Aditya Birla Health Insurance | 2021 Review & Details

Aditya Birla Health Insurance

In responding to the evolving healthcare ecosystem, hectic lifestyles, and rising risks and expenses associated with health care, the relevance of health insurance has expanded. The policies of Aditya Birla Health Insurance Company Limited (ABHICL) are tailored to each individual’s needs. With a variety of insurance alternatives, you can get full medical coverage for disease, disease, and accidents. Finserv MARKETS enables you to buy and sell items online fast and efficiently, resulting in a fantastic shopping experience! From cashless treatment to health programs, these spoken throughout that you are always covered for more.

Aditya Birla Health Insurance

Aditya Birla Health Insurance Company Limited (ABHICL), a division of Aditya Birla Capital Ltd, is a South African partnership between the Aditya Birla Group and MMI Holdings. The company was established in 2015 and began operations in December of that year. Since then, it has established a significant influence in the insurance industry.

This organization also offers a variety of health insurance policies for you and your family that provide comprehensive medical coverage in the event of an illness, sickness, disease, or accident.

Video Source PolicyX.com

Aditya Birla Health Insurance’s Highlights

With so many health insurance companies to choose from, finding the right health insurance plan can be a difficult endeavor. Many times, with so many options available, individuals become perplexed and, as a result of a lack of awareness, choose the incorrect decision.

According to statistics, Aditya Birla is among the top ten health insurance companies.

Let’s look at the important features of Aditya Birla Health Insurance that set it different from the competition:

List of features

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Let’s understand it in detail:

1 Network Hospitals

The Aditya Birla health insurance hospitals list is rather extensive, with over 8000+ network hospitals where you may take advantage of the cashless facility and receive treatment without having to spend any money out of pocket. You won’t have to worry about arranging funds in the event of a medical emergency because of our extensive network of affiliated institutions.

Annotation 2021 07 14 152914
Data Source: IRDAI https://www.irdai.gov.in Annual Report

2: Claim Support

Before you acquire health insurance, check to see how well your organization handles claims. When it comes to Aditya Birla Capital Health Insurance, the company claims to have 99.36% support.

3: Solvency Ratio

Aditya Birla Health Insurance
Data Source: IRDAI https://www.irdai.gov.in Annual Report

When choosing an insurance firm, the solvency ratio is an important element to consider. The solvency ratio can be found on the official IRDAI website, which also publishes it in its yearly reports. IRDAI currently requires all insurers to maintain a healthy solvency ratio of 1.50, which Aditya Birla Health Insurance Company satisfies admirably.

4: Market share


The Aditya Birla health insurance company has had substantial growth in recent years, as illustrated in the graph below. The company’s market share was 755.5 crores in the financial year 2019-2020, indicating good development in business volume.

Annual Premium of Aditya Birla Health INSURNACE
Data Source: IRDAI https://www.irdai.gov.in Annual Report

The company’s steadily increasing market share suggests that it has a stronghold on the industry and that it can be trusted.

5 Pan India Presence

Aditya Birla Health Insurance Company, with a presence in over 2500 places, ensures that no consumer is left behind due to a lack of services. You can visit their local branch office for any policy-related or claim-related questions because they have a pan-India presence.

What are the benefits of Aditya Birla health insurance?

Aditya Birla is responsible for a person’s total health, including an active health management program that coordinates all lab testing, doctor visits, and appointments. It offers chronic management and health evaluation programs, as well as easy access to all medical services.
The company also awards you for leading a healthy lifestyle, which you can track via the firm’s Health Dashboard. A variety of programs, such as the Healthy Heart Score and the Activ Dayz program, are used to keep track of your health. These programs all encourage you to stay active and healthy.

Insurance Plans

Aditya Birla Health Insurance Company has carefully created 8 health plans to satisfy the health insurance needs of every individual. These plans provide coverage for individuals and their families against all life’s unforeseen events.

Take a look at all of the Aditya Birla Health Insurance Company’s plans:

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  1. Aditya Birla Activ health Platinum Plan

Aditya Birla Activ Health Platinum-Enhanced is a complete medical insurance plan designed to help you in the event of a medical emergency.

Highlights:

  1. Certain health conditions, including mental illness and dental consultations, are covered under the plan.

2. Within this plan, AYUSH coverage is available.

3. The plan includes a Chronic Care Management Program, which means that when you or a member of the family has a chronic condition like diabetes or asthmatic, the company will appoint an expert to manage and monitor your progress, making it easier for you to cope with the sickness.

Eligibility:

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2. Aditya Birla Activ Assure Diamond Plan

The plan covers all hospitalization-related charges and offers many discounts when purchased for two or three years or when purchased as a family. There are various other add-on benefits included in the plan, ensuring that none of your healthcare needs are overlooked.

Features:

  • If the hospitalization is shorter than 24 hours, the plan covers up to 586 daycare procedures.
  • The insurer will get a reload of 150 percent of the total insured if the sum insured with no claim bonus is exhausted owing to past claims.
  • Staying fit and healthy is also rewarded under the scheme.

Eligibility:

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3:Aditya Birla Activ Assure Diamond+Super Top-Up Health Plan

This combo plan covers medical expenses up to Rs. 1 Crore, allowing you to focus on your treatment rather than your budget. Among its many perks, the plan also allows policyholders to take advantage of Health & Wellness Discounts.

Features:

  • The coverage pays up to Rs. 5,000 in road ambulance fees.
  • Coverage for Covid-19-related expenditures is available.
  • Expenses for in-home hospitalization are covered up to the policy limit.

Eligibility:

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4.Aditya Birla Activ Care Plan

The Activ Care plan is meant to assist seniors in covering their overall medical costs associated with hospitalization. Individuals might make financial plans for their parents and grandparents to protect them in the event of illness. This package comes in three flavors: Standard, Clas Premier, and Premium.

Features:

  • Every year, an individual health coach conducts a full health care check-up coaching session to ensure that parents/senio are in good health.
  • The HealthyReturns program helps to generate up to 21% of the premium.

Eligibility:

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5.Aditya Birla Activ Secure Plan

Aditya Birla Activ Secure Plan provides policyholders with four different types of policies that ensure that they and their families are protected against all types of terrible events.

i) Activ Secure Personal Accident Plan
The Active Secure Accident Insurance Plan is designed to safeguard individuals and their families against any accident-related eventualities. 

Features:
Besides a 100 percent total payout in the event of death or permanent or partial disability as a result of an accident, the organization also gives the option of choosing from a variety of policies that include:

  • Benefits of education
  • Coverage for road ambulances in an emergency
  • Expenses for the funeral
  • Repatriation of mortal remains 
  • Orphan Benefit
  • Modification 
  • Compassionate benefits

Eligibility:

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ii) Activ Secure Critical Illness Plan
The Activ Secure Critical Illness plan is aimed at protecting you financially from critical diseases and the costs that come with them. The assures that its extensive variety of benefits assist persons in being reimbursed for income loss caused by catastrophic illnesses.

Three options are available under the policy:     

  1.     Defense against 20 life-threatening illnesses
  2.     Immunization against 50 deadly diseases
  3.   64 key essential illnesses are covered.

Eligibility:

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iii) Activ Secure Hospital Cash Plan
The Activ Secure Hospital Cash Plan provides daily cash benefits to meet daily operations healthcare expenses.

Every day of hospitalization, independent of the hospital expense, the plan gives monetary benefit.

The plan also includes convalescence, parental accommodation, and a spa coach with nuts, fitness, and lifestyle habits in addition to these perks.

Eligibility:

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iv) Activ Secure Cancer Secure Plan
The Active Secure Cancer Secure Plan is designed to cover all medical costs associated with a cancer diagnosis. The benefit of the plan is all three cancer phases – early, major and advanced disease.

The plan provides a cumulative bonus of 10% of the total covered to a total of 100%.

Depending on the diagnosis, the plan covers 50 percent of the early-stage cancer insurance, 100 percent of the major-stage cancer insurance, and 150 percent of the advanced cancer insurance cover.

In addition, the insurer can also use a second medical opinion on his diagnosis in addition to the foregoing benefits.

Eligibility:

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6.Aditya Birla Global Health Secure

Global Health Secure is an international health insurance plan that covers 16 key ailments and allows for cashless treatment at any of the world’s two hospitals. This plan is meant to give you access to global healthcare solutions that will keep you safe no matter where you are.

The plan provides entire worldwide health coverage for all in-patient care charges, including doctor’s fees, room rent, medicines, dr operation theatre bills, and other costs.

A worldwide second e-opinion is also available if the insurer is diagnosed with any of the 16 chronic ailments specified.

Eligibility:

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7.Aditya Birla Group Insurance Products
Aditya Birla Group Insurance Products provides 3 different types of plans, allowing users to select the best one for their needs.

i) Aditya Birla Group Activ Health Plan
Aditya Birla Group is a company owned by Aditya Birla Members of a group can get complete coverage with top-notch features with the Activ Health plan.

  • It is possible to resolve a claim without using cash.
  • The plan offers a variety of options for coverage, as well as straightforward underwriting for speedy policy issuance.
  • The premium you pay for this plan may be eligible for tax benefits.

ii) Aditya Birla Group Activ Secure Plan
Under the following policies, the Aditya Birla Group Activ Secure Plan provides a lump-sum compensation to policyholders in the case of a health incident.

  • Group Personal Accident Coverage is included in the plan.
  • Group Critical Illness Coverage is included in the plan.
  • Group Hospital Cash Benefit is included in the plan.

iii) Aditya Birla Group Activ Travel
It is a comprehensive travel insurance policy that is extremely customizable, with a variety of optional coverage options to match the demands of consumers.

  • To fulfill their travel demands, this plan allows them to select from a variety of region-specific options.
  • The plan also includes cutting-edge features including an emergency home visit, lifestyle assistance in the event of an accident, and mugging protection.
  • In case of medical or non-medical crises, the plan provides a slew of extra services.

8. Aditya Birla Corona Kavach | Aditya Birla Covid Insurance
Having a Corona diagnostic not only has negative health consequences but also has the ability to wipe out all of your money. It is critical to safeguard your family financially by enrolling yourself and your family and friends in Aditya Birla Corona Kavach.

  • The plan covers the costs of a PPE kit, gloves, and a mask.
  • Treatment costs for AYUSH are also reimbursed.
  • Enrollment in this coverage does not need any medical testing.

Eligibility:

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How to Purchase Aditya Birla Health Insurance policy

You may simply get this on the company’s official website if you want to purchase Aditya Birla Capital Health Insurance without too many problems. Take the steps:

  1. Check the company’s official site. At the top of the screen is the Protection subtitle. Under this subtitle, click on the option Health Insurance.’
  2. After that, you will be sent to the Health Insurance website. Click the ‘Quick Quote’ button in the top-right corner.
  3. After entering all of the needed information, the amount of your health insurance premium will be presented on the screen, and you may choose the plan that best suits your needs.
  4. You will receive all insurance documents at your registered email address once you have paid the premium online.
  5. Aditya Birla health insurance renewal
  6. Aditya Birla Health Insurance has an official website. Click the ‘Renew’ option in the upper right corner.
  7. Select ‘Quick Renew’ from the drop-down option.
  8. Fill in your policy number, prosper’s date of birth or your phone number on the next page.
  9. Select ‘Abhi Karo’ from the drop-down menu.
  10. Your Aditya Birla healthcare insurance renewal information will be delivered to your registered email once you pay a premium online.

Aditya birla health insurance claim process

Cashless Claim

Aditya Birla’s website has a list of network hospitals. Show the Aditya Birla Capital Healthcare Insurance cashless card, as well as documentation such as a passport, PAN card, or voter’s card, at the network hospital.

The form will be reviewed by Aditya Birla. The judgment will be sent to you through SMS and email after the procedures have been completed. Payment will be given to the network hospital after this is completed.

Reimbursement Claim

You must pay the hospital directly after treatments if you are hospitalized at a non-network facility.
Within 15 days of discharge, submit the updated documents to Aditya Birla to register a claim:

  1. Health card
  2. Claim form
  3. Documents proving your identity.
  4. Hospital bills
  5. Original discharge summary
  6. Payment receipt and invoice
  7. All papers submitted for consultation
  8. Others

    Aditya Birla will make the appropriate judgement after evaluating the papers, and if authorised, the funds will be sent to the reg account by NEFT.

Aditya Birla Health Insurance Claim settlement ratio

When it comes to purchasing health insurance, one important element to consider is the claim settlement percentage of the health insurance companies. The claim resolution ratio of Aditya Birla Health Insurance Co. Ltd is 94 percent.

HDFC Aditya Birla Health Insurance

Features:

  1. A wide variety of sums insured is available, ranging from 2 lacs to 2 crores.
  2. Choose from a variety of hospital room categories, including shared, single, and any room.
  3. Hospitalization, pre-and post-hospitalization expenditures, daycare fees, and more are all covered.
  4. Reloading of the Sum Insured for a different sickness
  5. HealthReturnsTM is an incentive to keep fit and healthy.
  6. Chronic illnesses such as diabetes, hypertension, high cholesterol, and asthma are covered on the first day.
  7. Every year, regardless of claim status, all people receive a health checkup.
  8. Policy terms of one, two, or three years are available.
  9. Discounts of 7.5 percent and 10% on two and three-year policies, respectively.
  10. A 10% family discount is available when purchasing an individual policy that covers more than one family member.
  11. Treatment at network hospitals is free of charge.
  12. Renewal for life, subject to Us receiving premiums regularly.
  13. Benefits under Section 80D of the Internal Revenue Code

Aditya Birla Health Insurance Annual report

You can easily download the ABHI Annual report by clicking the Download button below:

Aditya Birla health Insurance Policy Download

To download the Insurance policy pdf, Click on the Download Button Below:

Aditya Birla Health Insurance Brochure Download

Aditya Birla Health Insurance Policy hospital list

Aditya Birla Health Insurance Cashless Network Hospital List:

Check out this myinsuranceclub.com’s cashless network Hospital list by click here.

Aditya Birla Health Insurance hospital list in Jaipur

Click here for to checklist (Source www.policyx.com)

Aditya Birla Health Insurance Customer Care Number

Support Care Number: 18002702700
Mail Adress: Care.healthinsurance@adityabirlacapital.com
Whatsapp Number: 8828800035

For more specific customer service go to Aditya Birla Health customer Services section click here

Aditya Birla Health Insurance App

You can easily download the Activ Health application from the google play store or Aditya Birla Insurance official website:
to download the app click on the button below:

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