Aditya Birla Health Insurance Plans
Company Overview
Aditya Birla Health Insurance is a joint venture between the Aditya Birla Group and MMI Holding Limited. This partnership between India’s third-largest private sector conglomerate and one of South Africa’s largest insurance companies with a legacy of 122 years is poised to enable individuals and families lead healthier and happier lives.
Aditya Birla Health Insurance Co. Limited. IRDAI Reg.153. CIN No. U66000MH2015PLC263677.
Address:- 9th Floor, Tower 1, One Indiabulls Centre, Jupiter Mills Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai 400013.
Email: [email protected] Website: adityabirlahealthinsurance.com
Fax: +91 22 6225 7700 Toll-Free: 1800 270 7000.
List of Aditya Birla Health Plans
Active Assure
Diamond
PROTECTING your health is Aditya Birla's priority, while they also protect your finances.
- Comprehensive range of sum insured up to 2 crores.
- 150% Reload of Sum Insured for subsequent claims due to unrelated illness
- Coverage for 586 day care procedures
- No Claim Bonus (NCB) of 10% of sum insured for every claim-free year
- Earn HealthReturnsTM worth up to 30% of your premium by earning Activ Dayz and staying healthy. Activ Dayz can be earned through plethora of exercising options such as Running, walking, yoga and many more.
- Coverage for AYUSH In-Patient hospitalization comprising of Ayurveda, Yoga and Naturopathy, Unani, Siddha, and Homeopathic treatment
- International and Domestic Emergency Assistance Services including air ambulance
- Range of comprehensive optional covers such as Super NCB, unlimited reload of sum insured, and Any room upgrade
Active Health
Activ Health Enhanced
Live worry free by getting a comprehensive coverage against medical bills
- Choice of Hospital Room category
- Comprehensive range of Sum Insured up to 2 Crores
- Rewards to stay fit and healthy in the form of Health ReturnsTM
- Day 1 cover for chronic diseases like diabetes, hypertension, high cholesterol and asthma
- Worldwide Emergency Assistance Services to keep you safe when you travel
- Reload of Sum Insured for an unrelated illness in case of insufficient funds due to claim(s)
- Zone based Premiums
Activ Health Essential
Get a customizable health cover that gives you value for money
- Choice of Hospital Room category
- Wide range of Sum Insured up to 10 Lacs
- Rewards to stay fit and healthy in the form of Health ReturnsTM
- Day 1 cover for chronic diseases like diabetes, hypertension, high cholesterol and asthma
- Zone based Premiums
- Range of optional covers to broaden your benefits
Active Secure
Personal Accident
Ensure financial protection for you and your family in the event of an accident.
- Coverage for Accidental death, Permanent or Partial Disablement
- Coverage of modification of residence and vehicle
- Education benefit and Orphan benefit for dependent children
- Optional Covers such as Temporary total disablement, Accidental in-patient hospitalization and Worldwide Emergency Assistance Services
- Complete protection against EMI and loan instruments
- 5% Cumulative Bonus for every claim free year, maximum upto 50% of Sum Insured
- Option of a wellness coach to help you reclaim good health
Critical Illness
Protect yourself and your family from all major critical illnesses with this cover.
- Flexibility to choose from 3 plan options with varied benefits
- Comprehensive protection against all major Critical illnesses
- A low Survival period requirement of 15 days following first diagnosis of Critical Illness
- Policy continues even after payout for an early stage critical illness is made in our most comprehensive plan
- Payout of maximum 150% of sum insured for more than one Critical Illness in our most comprehensive plan
- Option of a wellness coach to help you reclaim good health
- Tax benefits under section 80D of the Income Tax Act
Hospital Cash
Protect yourself from unplanned costs that increase your financial burden during hospitalization.
- Daily Cash Benefit options from INR 500 to INR 10,000
- Flexibility in choice of coverage for maximum number of days in a policy year
- Convalescence benefit in case of hospitalization more than 7 days
- Parental Accommodation Benefit
- Option of a wellness coach to help you reclaim good health
- Tax benefits under section 80D of the Income Tax Act
Cancer Secure
Secure yourself against all stages of cancer from minor to advanced and get the peace of mind you deserve.
- Staged cancer cover with payouts on early stage (50% of sum insured) major stage (100% of sum insured) and advanced stage (150% of sum insured)
- Additional payout of 100% on major stage cancer in spite of having claimed for an early stage with a payout of 50% of sum insured
- Cumulative Bonus of 10%, maximum up to a 100% of sum insured
- A low Survival period requirement of 7 days following first diagnosis of Cancer
- Option of a wellness coach to help you reclaim good health
- Tax benefits under section 80D of the Income Tax Act
Group Insurance Products
Group Activ Health
Aditya Birla offers you a Group hospitalization cover with all classic and latest world class features.
- Comprehensive coverage for classic and pioneering features
- Simple documentation
- Simple underwriting for quick and easy policy issuance
- Cashless claim settlement
- Various optional covers are available to tailor make health plan as per insured’s needs
- Completely customizable by the way of features, limits and waivers of restrictions
- Premium paid is exempt under section 80D (subject to change as per tax laws)
Group Activ Secure
Aditya Birla offers you a Group fixed benefit Health plan that gives Lump sum benefit on occurrence of health events as covered under scope of your plan.
- Group Personal Accident cover
- Group Critical Illness cover
- Group Hospital Cash Benefit
Why Choose Aditya Birla Health Insurance?
At Aditya Birla Health Insurance, they provide you a range of unique health insurance benefits such as:-
Health Returns™
- Earn rewards for adopting a healthy lifestyle
- Earn back up to 30% of your health insurance premium
Chronic Management Program
- Chronic Management Program is specially designed program for management of chronic illness like asthma, diabetes, hypertension etc.
- Day 1 cover for chronic conditions
- Automatic upgrade to the program if you develop a chronic condition during your policy tenure
Second E Opinion
- Second opinions in case of critical illnesses are covered
- Panel of expert doctors including international specialists
Choice of Hospital Room
- Freedom to use a shared room or a private room during your hospital stay.
- If treated in a lower room category, than what you are eligible for, you can earn back Health Returns™.
Day 1 Cover
- Get insurance coverage right from Day 1 in case of chronic diseases on OPD expenses. (Hospitalization still has 90 day waiting period)
- Day 1 Cover is applicable for diseases such as Hypertension, Asthma, Diabetes and High Cholesterol
Advantages of Buying a Health Insurance Policy
Benefits of health insurance are plenty. Illnesses and injuries are an unavoidable aspect of life. Given the escalating medical treatment costs, health care tends to become a financial burden. Health insurance is the need of the hour as it makes quality health care affordable for everyone. Besides covering your medical care costs, there are several other benefits of health insurance such as no claim bonus, top up plans, cashless facility, tax benefits, free health check-up and much more.
Tax Benefits
- The premium paid towards health insurance is deductible from taxable income under the section 80D of the Income Tax Act 1961.
No Claim Bonus
- For every claim-free year, you will be eligible for a no-claim bonus that increases progressively with each year of policy renewal until it reaches 50% of the policy premium. The No Claim Bonus gets added to your sum insured which in turn enhances your claim/coverage amount.
Free Health Check-Up
- Health Insurance companies cover annual health check-ups in a bid to encourage its customers to stay healthy.
Cashless Facility
- Under a cashless facility, health insurance companies settle the medical bills directly with your healthcare providers. Hence, you are saved from the hassle of making the initial payment and then waiting for the claim.
Coverage for OPD Expenses
- Obtain coverage for expenses incurred during OPD visits as well as diagnostic tests.
Steps to raise Cashless Claim with Aditya Birla Health Insurance
STEP 1 - Check Network Hospital
To avail cashless facility approach to their Network Hospital. For a list of their network hospitals Click Here
STEP 2 - Patient Identification
Show patient’s Aditya Birla Health Insurance Cashless Card or provide policy number. Also show valid ID proof like Passport, PAN card, Voter’s ID etc. for identification purposes.STEP 3 - Cashless Hospitalization Request Form
Post identification, the network hospital will submit the cashless hospitalization request form (i.e. Pre-Authorization Form) to us. To speed up the process of Cashless Pre-authorization, intimate us by filling the request form by Click Here
Note:
Emergency Hospitalization :- Cashless Hospitalization Request Form needs to be submitted within 48 hours from the time of hospitalization.
Planned Hospitalization :- Cashless Hospitalization Request Form needs to be submitted 3 days before hospitalization.
STEP 4 - Hospitalization Request Review
Aditya Birla will review and provide their decision to the network hospital and also send a SMS and an e-mail to you within 2 hours, when a request is received within usual business hours.You can also check your claim status by Click Here.
STEP 5 - Claim Settlement
Aditya Birla will process the claim (as per policy terms & conditions) with the hospital after the completion of all the formalities.You can also check your claim status by Click Here.
Steps to raise Reimbursement Claim with Aditya Birla Health Insurance
STEP 1 - Intimate Us
In the case of Emergency Hospitalization notify them within 48 hours and in case of Planned Hospitalization notify them 3 days before your admission in our network or a non-network hospital. After getting admitted, you have to pay the hospital directly as per the process / practice of the hospital unless a pre-authorization has been issued by them.
STEP 2 - Collection and Submission of Claim Documents
Collect below mentioned relevant document in original from the hospital and submit them to us within 15 days of discharge from the hospital
STEP 3 - Claim Processing and Reimbursement
Aditya Birla will review and approve claim accordingly / seek further information / documents / reject the same. (as per the terms & conditions). You can check your claim status by Login Here
- If your request for reimbursement of expenses is approved, we will reimburse the approved amount through NEFT to your registered bank account
- In case of any information deficiency or further information requirements, you will be communicated to ensure resolution of the same at the earliest
- If your request for claim is declined, you will be communicated the same along with valid reason(s) for rejection
Product and UIN.
- Group Activ Health (IRDAI/HLT/ABHI/P-H(G)/V.1/19/2016-17);
- Group Activ Secure (IRDAI/HLT/ABHI/P-H(G)/V.1/18/2016-17);
- Activ Health (IRDAI/HLT/ABHI/P-H/V.1/32/16-17);
- Activ Secure (ADIHLIP18076V011718);
- Activ Assure (ADIHLIP18077V011718).