Aditya Birla Health Insurance
Aditya Birla Health Insurance Plans
Aditya Birla health insurance offers 12 health insurance plans. The premium of these plans starts from Rs. 212/yr. The sum insured ranges from Rs. 500 - 20 Cr. Details of the comprehensive coverage provided by the following 12 Aditya Birla health insurance plans are listed below:
Aarogya Sanjeevani Plan
Starting Premium- ₹ 5,117/yr
Eligible Age
91 days - 65 years
PED Waiting Period
4 years
Coverage
1 Lakh - 5 Lakh
NCB
5% increase in cover
Activ Assure Diamond Health Insurance
Starting Premium- ₹ 7,149/yr
Eligible Age
91 days onwards
PED Waiting Period
4 years
Coverage
2 Lakh - 2 Cr
NCB
10% increase in cover;max upto 50%
Activ Health Platinum Enhanced
Starting Premium- ₹ 7,937/yr
Eligible Age
91 days onwards
PED Waiting Period
4 years
Coverage
2 Lakh - 2 Cr
NCB
50% increase in cover;max upto 100% for 1cr only
Aditya Birla Top-up Plans
Aditya Birla health insurance provides 1 top-up plan. The premium of these top-up plans start from Rs. 1,338/yr. The sum insured ranges from Rs. 3 Lakh - 95 Lakh. Aditya Birla top-up plans provide enhanced coverage and added protection for your well-being. Explore the details of each Aditya Birla top-up insurance policy below:
Aditya Birla Super Health Plus Top-up Plan A And Plan B Super Top-up
Starting Premium- ₹ 1,338/yr
Eligible Age
91 days - 65 years
PED Waiting Period
3 years
Coverage
3 Lakh - 95 Lakh
NCB
NA
Top Features From Aditya Birla Health Plans
Exclusions Across Aditya Birla Health Plans
Aditya Birla Customer Care
Customer Care Number
Aditya Birla Claim Process
Aditya Birla supports both cashless claims and reimbursement claims. This section covers the information on how to check Aditya Birla health insurance claim status, fill Aditya Birla health insurance claim form, and the claim settlement process.
In case of medical treatments or emergencies, if you decide to seek treatment in-network hospitals for cashless settlement of claims, the following process is to be followed
- Firstly, approach Aditya Birla Health Insurance Company’s network hospital nearest to you. You can locate the nearest network hospital on their website
- You can provide your policy details to show your cashless health card (provided by Aditya Birla Health Insurance Company). You may also have to show valid ID proof such as PAN card, passport, voter’s ID etc for the purpose of identification
- Post identification, network hospital will submit a cashless hospitalisation request form to the insurance company for availing pre-authorisation. Please note, in case of emergency hospitalisation, cashless hospitalisation request needs to be submitted within 48 hours from the time of hospitalisation. In case of planned hospitalisation, cashless hospitalisation request form needs to be submitted at least three days before hospitalisation
- The insurance company will review and convey the decision to the network hospital via SMS or email within 2 hours. You can also track your claim status online
- Upon approval and receipt of all the relevant documents from the hospital, claims will be directly settled with the network hospital
In case you seek treatment at non-network hospitals you can get the claim reimbursed. Following is the process to be followed for reimbursement of health claims
- Inform the insurance company immediately when you are admitted to the network or non-network hospital. In case of emergency hospitalisation, cashless hospitalisation request needs to be submitted within 48 hours from the time of hospitalisation. In case of planned hospitalisation, cashless hospitalisation request form needs to be submitted at least three days before hospitalisation
- Make payment to the hospital as per the process
- Collect all the original documents related to a medical condition, treatment and hospitalisation from the hospital at the time of discharge
- Submit all the relevant documents received from the hospital along with duly filled and signed claim form to the insurance company within 15 days of discharge from the hospital
- The insurance company will review documents and approve your claim or seek further clarifications accordingly
- Once the claim is approved, payment of claims will be made to you within the specified time limit
Aditya Birla Health Insurance Renewal Process
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FAQs
Domiciliary hospitalisation treatment refers to treatment taken at home which would otherwise have required hospitalisation. This could be due to patients conditions to unable to move to a hospital or due to unavailability of beds in hospitals
Following are the treatments/illnesses that are excluded under domiciliary hospitalisation cover
- Asthma
- Bronchitis
- Diarrhoea and all types of dysenteries including gastroenteritis
- Chronic Nephritis and Chronic Nephritic syndrome
- Pyrexia of unknown origin for less than 10 days
- Diabetes mellitus and Insipidus
- Epilepsy
- Hypertension
- Influenza, cough and cold
- Tonsillitis, Upper respiratory tract infection including laryngitis and Pharyngitis
- Arthritis, Gout and Rheumatism
- All psychiatric and psychosomatic disorders
Following are the major 11 critical illnesses covered under the Activ Health plan
- Cancer of specified severity
- Myocardial infarction (first heart attack of specified severity)
- Open chest CABG
- Coma of specified severity
- Open heart replacement or repair of heart valves
- Kidney failure requiring regular dialysis
- Stroke resulting in permanent symptoms
- Major organ/bone marrow transplant
- Permanent paralysis of limbs
- Motor neurone disease with permanent symptoms
- Multiple sclerosis with persisting symptoms
Health insurance plans not only give comprehensive protection but also benefit you by saving a few amounts of tax. You can avail tax deduction on premiums paid towards health insurance plans taken for self, spouse, children and parents. Here are the details
|
Description |
The maximum premium for self, spouse and dependent children | Maximum premium for parents (dependent/non-dependent) | Total deductions available under Section 80D of IT Act |
| All members of the family < 60 years of age | INR 25,000 | INR 25,000 | INR 50,000 |
| Self, spouse and children < 60 years ageEither of the parents > 60 years age | INR 25,000 | INR 50,000 | INR 75,000 |
| Self > 60 years ageSpouse and children < 60 years of ageParents > 60 years age | INR 50,000 | INR 50,000 | INR 1,00,000 |
Aditya Birla Health Insurance Company helps you focus on well-being and health management along with protection offered in the way of a diverse range of health insurance plans. Below are the wellness programs offered by the company
- Activ together – you can subscribe to get valuable input on health & fitness, diet & nutrition and lifestyle conditions
- Activ age – you can know your active age health-wise by filling in just a simple questionnaire. This would help you improve and maintain your good health
- Healthy heart score – you can calculate heart score on their website. Aditya Birla Health Insurance policies reward you for maintaining a good score!
- Activ Dayz – you can keep updating about your activities that promote good health and earn rewards.
- HealthReturns – It is a monetary reward offered by Aditya Birla Health Insurance Company for staying fit and maintaining good health for each insured person.
Following are the major health services offered by Aditya Birla Health Insurance Company
- Chronic care management program – This service comes as an in-built feature with Activ Health Platinum cover. In case an insured or his family members are suffering from chronic diseases like diabetes, blood pressure and cholesterol, the program helps them manage well to live a healthy life through experts help. Along with this, there is coverage offered for consultation with medical practitioners, diagnostic tests and medicines.
- Wellness coaching –Under this service, insured is given personal coaching to maintain good health. Insured can seek coaching by various options like ask specialist, ask a doctor, ask a dietitian, doctor on call, a counsellor on call and smoke cessation.
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