Aditya Birla Health Insurance

Aditya Birla Health Insurance Company Limited (ABHICL) emerges as a robust entity in India, operating under Aditya Birla Capital Ltd—a prominent financial services platform within the Aditya Birla Group. ABHICL was established in 2015 and is a collaborative effort between the Aditya Birla Group and MMI Holdings of South Africa under a strategic joint venture.

Aditya Birla Health Insurance offers a comprehensive range of offerings and extends an array of well-crafted health insurance plans. These plans are designed for individuals and their families with exhaustive coverage encompassing medical expenses arising from various ailments, illnesses, or accidents. Other notable features include access to an extensive suite of healthcare services, provisions for cashless treatments, etc.

As we dive deeper into this insurance company, we will unravel the multifaceted benefits of its policies and operational mechanisms.

List of Aditya Birla Health Insurance Plans – Table

Policy Name	Key Features	Eligibility	Sum Insured Options	Policy Term	Add-ons/Variants
Aditya Birla Activ Assure Diamond Policy	– Wide coverage options – 150% reload of sum insured – AYUSH medical treatments – Premium discounts – Domestic and international emergency assistance	Age: 91 days minimum	Rs. 50k to 1 crore	1, 2, or 3 years	– Super No Claim Bonus – Unlimited recharge – Accidental cover
Aditya Birla Activ Health Platinum Policy	– Pre and post-hospitalization coverage – Cover 527 daycare procedures – Cumulative bonus – 100% reload of sum insured	Age: ≥ 91 days	Rs. 50,000 to Rs. 2 crores	1, 2, or 3 years	– Two variants: Essential and Enhanced
Aditya Birla Activ Secure Policy	– Financial protection for accidents and critical illnesses – Varied variants for different needs	Age: As per variant	As per variant	– Second e-opinion – Wellness coach	Not specified
Aditya Birla Activ Care Policy	– Cover for in-patient hospitalization expenses – Daycare treatment – Health assessment – No Claim Bonus (NCB) – Road ambulance cover – Restoration of sum insured limit	Age: 55 to 80 years	As per policy	1 year	– Nursing at home cover – Advanced health check-up cover
Aditya Birla Arogya Sanjeevani Policy	– Affordable coverage – Pre and post – Hospitalization cover – Dental treatment and plastic surgery coverage	Age: As per policy	Rs. 1 lakh to Rs. 5 lakh	1 year	Not specified

Why Should You Buy Aditya Birla Health Insurance Plans?

1. Dedicated Customer Support

You can benefit from a dedicated team at Aditya Birla Health Insurance focused on resolving customer grievances and inquiries promptly and efficiently.

2. Variety of Health Insurance Plans

You can choose from a diverse range of health insurance plans tailored to your specific requirements and those of your family members. With options catering to various budgets and coverage needs, you can select the most suitable plan with ease.

3. Wide Network Of Hospitals

You can access a vast network comprising over 10,500 hospitals spread across India. This extensive network ensures convenience and accessibility, enabling policyholders to avail themselves of cashless and reimbursement treatments at their preferred healthcare facilities.

4. High Claim Settlement Ratio

The insurer’s Claim Settlement Ratio is 96%, indicative of its robust claim settlement process. This ratio underscores the insurer’s reliability and efficiency in handling claims, instilling confidence in policyholders regarding their health insurance coverage.

How to File a Claim with Aditya Birla Health Insurance Plan?

1. Cashless Claim

To access cashless treatment under your Aditya Birla Health Insurance policy, you need to adhere to the following steps:

Visit any hospital within the Aditya Birla Health Insurance network to avail of cashless treatment facilities.
Provide either the policy number or display the patient’s Aditya Birla Health Insurance ID card at the hospital reception for identification purposes. Additionally, present a valid ID proof such as a voter’s ID, passport, PAN card, etc.
After completing the identification process, the network hospital will submit either the pre-authorization form or the cashless hospitalization request form to the insurer.
You can expedite this process by informing the insurer through a request form. Note that for emergency hospitalization, the pre-authorization form must be submitted within 48 hours, while for planned hospitalization, it should be submitted at least three days in advance.
Aditya Birla Health Insurance will review your request and notify the network hospital about the decision. You will also receive notification via SMS or email within 24 hours.
Once all formalities are completed, your claim will be settled at the hospital in accordance with the terms and conditions outlined in your policy.

2. Reimbursement Claim

To initiate a reimbursement claim, adhere to the following steps:

If faced with emergency hospitalization, inform Aditya Birla Health Insurance within 48 hours. For planned hospitalization, provide notification at least three days before admission to the hospital.
Seek admission and treatment at any network or non-network hospital according to your preference and medical requirements.
After receiving treatment, settle the medical bills directly with the hospital following its established payment procedure.
Obtain the necessary documents, including medical reports, bills, and discharge summaries, directly from the hospital. Ensure these documents are original and accurately reflect the treatment received.
Submit the collected documents to Aditya Birla Health Insurance within 15 days of discharge from the hospital. You may need to send the documents to the following address:

Aditya Birla Health Insurance Co. Limited,
5th floor, Modi Business Centre,
Kasarvadavali, Mumbai, Thane West 400615.

Documents required for Aditya Birla Health Insurance Claim

Aditya Birla Health ID card or policy copy
KYC documents (photo ID and proof of age and address)
Original discharge card, hospital bill, and payment receipts
Diagnostic reports, medical bills, and prescription
Letter from medical practitioner detailing duration, complaints, history, and treatment
Previous consultation papers related to the current illness

After document review, Aditya Birla Health Insurance will either approve your claim, request more documents or information, or reject it based on policy terms. A notification regarding the decision will be sent to your contact number or registered email ID.

Also Read: All About Waiting Period in Health Insurance

How to Buy Aditya Birla Health Insurance Plans?

You can buy the plans directly from the insurance company, via their enrolled agents, or through insurance aggregator platforms. You can do this either offline or online, based on your preference.

How to Renew Aditya Birla Health Insurance Plans?

Visit the official website of Aditya Birla Health Insurance and locate the ‘policy renewal’ page.
Input necessary details such as policy number, proposer’s date of birth, and proposer’s mobile number.
Click ‘Proceed’ to continue.
Review the policy details and verify the premium amount for renewal.
Choose from the available modes of online payment to complete the renewal process.

Also Read: A Complete Guide to Aditya Birla Health Insurance Renewal

How to Calculate Aditya Birla Health Insurance Premium?

Calculating the premium for Aditya Birla Health Insurance requires you to consider various factors to ensure accurate coverage and pricing. Here’s a step-by-step guide:

Firstly, assess your coverage needs, including the sum insured amount and any additional features or riders you may require.
Next, consider your age and the age of any family members you intend to include in the policy.
Evaluate the type of plan you wish to opt for, whether it’s an individual plan, family floater plan, or specific disease-specific plan. Each plan type comes with its own premium structure and coverage benefits.
Factor in any pre-existing medical conditions you or your family members may have. While disclosing pre-existing conditions may result in slightly higher premiums, it ensures comprehensive coverage and avoids claim rejection due to non-disclosure.
Consider the right policy term, whether it’s a one-year, two-year, or three-year term. Longer policy terms may offer discounts on premiums compared to annual renewals.

You can use online premium calculators provided by Aditya Birla Health Insurance or consult with an insurance agent to obtain a precise premium quote tailored to your specific requirements.

You May Like to Read: Senior Citizen Health Insurance – A Comprehensive Guide

FAQs

What types of health insurance plans does Aditya Birla Health Insurance offer?

Aditya Birla Health Insurance offers a wide range of health insurance plans, including individual plans, family floater plans, critical illness plans, and disease-specific plans to cater to diverse healthcare needs.

How can I purchase Aditya Birla Health Insurance online?

You can easily purchase Aditya Birla Health Insurance online by visiting their official website or through authorized insurance aggregators. Simply select your desired plan, fill in the required details, and make the payment to complete the purchase process.

What is the procedure for filing a claim with Aditya Birla Health Insurance?

To file a claim with Aditya Birla Health Insurance, you need to notify the insurer within the stipulated time frame, submit the necessary documents, such as medical bills and reports, and follow the prescribed claim settlement process outlined in your policy document.

Can I enhance the sum insured under my Aditya Birla Health Insurance policy?

Yes, you can enhance the sum insured under your Aditya Birla Health Insurance policy by opting for a higher coverage amount during the policy renewal or by purchasing additional riders for enhanced coverage benefits.

Does Aditya Birla Health Insurance cover pre-existing medical conditions?

Yes, Aditya Birla Health Insurance provides coverage for pre-existing medical conditions after a waiting period, as specified in the policy terms and conditions. It is essential to disclose any pre-existing conditions at the time of policy purchase to ensure seamless claim processing.

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Disclaimer:

The information provided on this blog regarding any insurer, its products, services, or offerings is intended for informational purposes only. It is subject to change without notice and should not be construed as professional advice or a recommendation to purchase any specific insurance product or service.

While we strive to ensure the accuracy and timeliness of the information presented, we make no representations or warranties of any kind, express or implied, about the completeness, reliability, suitability, or availability of the information contained herein. Any reliance you place on such information is strictly at your own risk.