Aditya Birla Health Insurance
Aditya Birla Health Insurance offers comprehensive medical coverage, wellness rewards, and cashless treatments at network hospitals. Get customized plans for individuals, families, and critical illnesses.
Quick
Cashless
Effective
Tax Benefit
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What is Aditya Birla Health Insurance?
Aditya Birla Health Insurance exists to deliver complete health coverage designs based on your requirements.
Aditya Birla Health Insurance offers different types of health insurance coverage that meets the healthcare requirements of multiple types of customers. These healthcare plans protect you from medical bills by paying for necessary medical services. The company offers health insurance choices for everyone including family plans along with wellness and prevention benefits.
Did You Know? Aditya Birla Health Insurance has a Claim settlement ratio of 96.23% during FY 22-23 which is one of the highest ever in the health insurance segment
Health Insurance Plans for Aditya Birla
| Plan Name | Sum Insured Options |
| Activ Fit Plus | ₹5 lakh to ₹1 crore |
| Activ Health Platinum Essential | ₹5 lakh to ₹2 crore |
| Activ Health Platinum Enhanced | ₹5 lakh to ₹2 crore |
Why Choose Aditya Birla Health Insurance?
Finding the ideal health insurance company is very important for protection and treatment. Aditya Birla Health Insurance offers special advantages that set it apart from other providers.
- Comprehensive Coverage: Their insurance policies cover pre and post-hospitalization expenses, and a wide array of daycare procedures.
- Cashless Hospitalization: Through their hospital network of 11000+ facilities across India patients enjoy convenient cashless medical care.
- Wellness Programs: Their wellness program Health Returns rewards members with upto 100% premium back as long as they keep up with the healthy living plans.
- Day 1 Coverage: Day 1 cover for illnesses such as Diabetes, high Blood Pressure, Asthma and High Cholesterol
- No Room Rent Capping: Their policy gives you the freedom to stay in any hospital room you prefer thanks to the removal of room rent restrictions.
Interesting Fact: The #JumpForHealth campaign from Aditya Birla Health Insurance earned multiple awards to display their dedication to better health.
Key Features of Aditya Birla Health Insurance Plans
Aditya Birla Health Insurance delivers maximum benefits through features added to its plans.
- Super Reload: The Super Reload benefit lets you restore your entire policy coverage without limits when you need it during one policy year.
- Wellness Coaching: Their plans offer professional wellness coaching services for nutrition fitness and lifestyle assistance.
- Mental Health Support: The plan includes mental health check-ups to serve customers’ total well-being needs.
Did You Know? The Active One plan from Aditya Birla Health Insurance provides unlimited support for hospitalization costs including room charges and ICU fees to help policyholders recover without financial stress.
Benefits of Choosing Aditya Birla Health Insurance
Choosing Aditya Birla Health Insurance helps policyholders benefit from several advantages.
- Tax Benefits: Your payments towards Health Insurance qualify as deductible expenses when you file taxes under Section 80D.
- Global Coverage: The plan covers medical expenses while traveling outside the country.
- Health Assessment: The Plan Offers Regular Health Tests At No Extra Charge To Keep Track Of Your Health Condition
- Flexible Sum Insured: You can pick specific sum insured plans based on your healthcare needs and money planning.
- Interesting Tidbit: You can access funds earned through HealthReturns™ to pay your insurance premiums or cover health-related costs outside hospital during your policy renewal period.
Inclusions and Exclusions in Aditya Birla Health Insurance Claims
| Inclusions | Exclusions |
| Hospitalization Expenses: Covers total medical costs, including accommodation and skilled care. | Cosmetic Surgeries: Procedures done solely for aesthetic enhancement without medical necessity. |
| Pre and Post-Hospitalization: Covers medical expenses before and after hospitalization (typically 30 and 60 days, respectively). | Self-Inflicted Injuries: Injuries intentionally caused by the policyholder. |
| Daycare Procedures: Covers surgeries that do not require 24-hour hospitalization, such as cataract removal. | Substance Abuse Treatments: Treatments related to drug or alcohol addiction. |
| Unproven Treatments: Healthcare methods lacking official medical approval or research backing. |
Did You Know? The insurance plans from Aditya Birla Health Insurance protect you through their wide range of benefits which cover all hospitalization costs plus the expenses before and after treatment and daycare treatments.
How to Apply for Aditya Birla Health Insurance Through Fincover?
It is easy to obtain insurance by following these three steps through Fincover.
- Visit Fincover’s Website: Go to Fincover’s Website and search for the health insurance section.
- Compare Plans: Look at all Aditya Birla Health Insurance plans to pick the option that matches your health coverage requirements.
- Fill in Details: Insert required personal data and healthcare information.
- Get a Quote: Request premium estimates using your entered information.
- Make Payment: Decide your preferred payment procedure to fund your premium.
- Policy Issuance: The policy will reach your email once you complete your purchase.
Interesting Fact: Fincover has built an easy-to-use website that lets people see different health insurance plans and buy them from the comfort of their homes.
What are the Documents Required for Claim Processing?
To ensure a smooth claim settlement process, you need:
- Completed claim form
- Policy copy
- Doctor’s prescription and treatment details
- Hospital discharge summary
- Original medical bills and receipts
- Investigation reports
- KYC documents (Aadhaar, PAN card, etc.)
- Bank details for reimbursement claims
How to Download Aditya Birla Health Insurance Policy?
- Users can access Aditya Birla Insurance through either its website or Fincover platform.
- Enter your policy details.
- Users can obtain their digital policy by selecting ‘Download Policy’ from the website menu.
- You can save the PDF file both for current and upcoming use.
Interesting Tidbit: Through its mobile app ‘Active Health App’ Aditya Birla Health Insurance enables users to handle policies while downloading documents and accessing many services through their smartphones
How to Download Niva Bupa Health Insurance Policy?
- Users must either log into the official Niva Bupa website or access Fincover
- Access your digital policy through the ‘Download Policy’ button.
- The PDF document can be saved for future access as a backup.
Pro Tip: Save your policy digitally as a PDF through email or cloud storage as you can retrieve it any time
Aditya Birla Health Insurance Network Hospitals
The large network of Aditya Birla Health Insurance covers more than 11000+ Indian hospitals to provide policyholders with accessible quality medical care regardless of their current location. The network hospitals in this organization offer cashless treatment services to make medical facility access easier during hospital admissions.
Did You Know? Users within the insurer’s network have immediate access to reputable hospitals known for their specialized medical treatments so they can obtain optimal healthcare services.
How to Find a Network Hospital?
A policyholder can easily find network hospitals by following these steps.
- Use the Official Website of Aditya Birla Health Insurance by accessing its main website page.
- Users can locate network hospital information by using the ‘Network Hospitals’ part of the website.
- Residents must enter their city name or pin code to access a list of available network hospitals.
- Review your selection from a list of suitable medical centers according to your needs.
Protip: Active Health App allows policyholders to both find network hospitals and access cashless services in addition to managing their health records through a smooth interface.
How to File an Aditya Birla Health Insurance Claim?
Filing a claim involves the following steps:
- Intimate the Insurer: The first step to file a claim is notifying Aditya Birla Health Insurance about hospitalization through immediate contact.
- Fill Out the Claim Form: Download a claim form from the official website then fill it out according to the given instructions.
- Gather Necessary Documents: Collect all essential documents by obtaining hospital bills together with discharge summaries and investigation reports.
- Submit the Claim: The customer must either directly submit the completed documents and form to the nearest branch office or upload them through the customer portal.
- Claim Processing: The insurer completes a claim review operation after which they will send the claim processing update to the involved parties.
Did You Know? Aditya Birla Health Insurance enables policyholders to choose between cashless care or reimbursement for medical expenses during emergencies.
FAQs on Aditya Birla Health Insurance
1. What is the waiting period for pre-existing diseases?
Each policy from the provider includes a standard waiting period between 2 to 4 years which varies based on the specific policy’s terms.
2. Are alternative treatments like Ayurveda covered?
Policyholders gain access to AYUSH (Ayurvedic, Yoga, Unani, Siddha, Homeopathy) treatment options through specified benefit allowances under select plans.
3. Can I avail of health check-ups with my policy?
Health insurance plans frequently integrate annual health check-ups in their wellness packages to provide preventive healthcare benefits to policyholders.
4. Is there a grace period for policy renewal?
A standard grace period of 30 days exists as policyholders renew coverage so their benefits stay uninterrupted.
5. How can I contact customer support?
You can reach out to customer care at 1800-270-7000 or email care.healthinsurance@adityabirlacapital.com for assistance.
Did You Know? Through the ‘Active Health App’ you can earn HealthReturns™ points that you can use to offset premiums and medical expenses.
Aditya Birla Health Insurance Plans
Activ Fit Plus
Activ Health Platinum Essential
Activ Health Platinum Enhanced
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Individual Health Insurance
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Family Floater Health Insurance
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Senior Citizen Health Insurance
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Critical Illness Health Insurance
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Maternity Health Insurance
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Group Health Insurance
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Top-up Health Insurance
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Personal Accident Health Insurance
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Hospital Daily Cash Health Insurance
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Cashless Health Insurance
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1 Crore Health Insurance Plan
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Cashless Health Insurance
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10 Lakhs Health Insurance Plan
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Unlimited Health Insurance Plan
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50 Lakh Health Insurance Plan
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International Health Insurance Plan
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Hospital Daily Cash Plans
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