Aditya Birla Health Insurance is a renowned insurance provider that focuses on the well-being and health of individuals. With a strong commitment to customer satisfaction, they offer various insurance plans designed to cater to diverse needs. Their policies provide comprehensive coverage for medical expenses, hospitalisation, surgeries, and other healthcare services.

Aditya Birla Health Insurance aims to promote a healthier lifestyle through its wellness programs and initiatives. They prioritise customer convenience by ensuring hassle-free claim settlements and providing a user-friendly digital platform for policy management.

Aditya Birla Health Insurance is one of the most sought-after health insurance companies and it offers several standout features in its plans and policies that set it apart:

• Rapid cashless approval turnaround time of just 2 hours.


• Impressive claim settlement ratio of 96% with 10,500+ hospitals.


• Aditya Birla Health Insurance offers the advantage of pre-existing disease coverage from day one, addressing the needs of individuals with existing health conditions.


• The company also provides special benefits such as incentivised wellness programs, and encouraging and rewarding a healthy lifestyle.


• Starting at just Rs. 270 per month, policyholders can obtain coverage of up to Rs. 5 lakh.

Aditya Birla Health Insurance offers a vast range of health plans for family and, individuals including:

• Activ Health Policy: Comprehensive coverage for inpatient, outpatient, and diagnostic expenses and coverage for alternative treatments, wellness programs, and daily cash allowances.


• Activ Health Enhanced: Offers enhanced coverage for critical illnesses and cancer treatments along with personalised guidance on fitness and nutrition.


• Activ Secure Critical Illness: Specifically designed to support in the event of critical illnesses.


• Activ Secure Personal Accident: Provides coverage against accidental injuries and disabilities.


• Activ Secure Hospital Cash: Offers daily cash benefits during hospitalisation to manage additional expenses.


• Activ Health Platinum Enhanced: This health plan can be taken by those who want a sum assured of up to Rs. 2 crores.


• Activ Assure Diamond: This plan covers individuals and families, with a sum assured of up to INR 2 crore for up to about 586 procedures.


• Activ Care: This plan offers cashless hospital coverage, starting from INR 1,500/month.

Aditya Birla Health Insurance plans offer several key features and benefits to policyholders. Here are some of them:

• Comprehensive Coverage: Aditya Birla Health Insurance provides extensive coverage for hospitalisation expenses, including room charges, medicines, doctor's fees, OT charges, and more.


• Lifetime Renewability: One of the significant benefits of renewal Aditya Birla Health Insurance is lifetime renewability without any age restrictions.


• Additional Benefits: Has additional benefits like pre as well as post-hospitalisation charges, ambulance costs, day-care procedures, alternative treatments, and maternity benefits.


• Health and Wellness Programs: Promotes a holistic approach to healthcare by offering health and wellness programs.


• No-Claim Bonus: Reward policyholders with a no-claim bonus if they do not make any claims during the policy year.


• Tax benefits: Premiums are tax-free U/S 80D of the Income Tax Act.


• Discounted premiums: Rewards policyholders with discounted premiums if they stay healthy.

Aditya Birla Health Insurance (ABHI) offers a variety of health insurance plans with features such as:

• No Claim Bonus: If you do not make any claims in a specific year, the insurance company rewards you by providing a higher sum insured without increasing the premium.


• Sum Insured: It represents the maximum amount the insurer will reimburse or pay directly to the hospital for medical expenses on an indemnity basis.


• Exclusion in the Policy: Some health insurance plans may have clauses regarding exclusions that can be chosen when you compare health insurance.


• Sub-Limits: Room rent can be a significant expense during medical treatment and is often tied to the sum insured. Typically, it ranges from 1-2% of the total sum insured, and in the case of ICU, the allowed room rent is slightly higher.


• Network of Hospitals for Treatment: The cashless facility of a health insurance plan depends on the network of hospitals that have a tie-up with the insurance company.


• Pre and Post Hospitalisation Expenses: These are expenses incurred before and after hospitalisation.

Earn rewards for staying fit

HealthReturns is a policy that values your commitment to maintaining a healthy lifestyle by rewarding you with HealthReturns. You can earn these rewards by following a few simple steps:

• Complete a health assessment to receive your Healthy Heart Score, which indicates your overall cardiovascular health.

• Engage in regular exercise to earn Activ Days, which helps you accumulate HealthReturns.

• You can earn HealthReturns every month based on your accumulated Activ Days and Healthy Heart Score.

Binge Refill

• With Binge Refill, you no longer have to worry about exhausting your insurance coverage.

• If your Sum Insured, along with accumulated No Claim Bonus or Super No Claim Bonus, falls short of covering a claim, you get an offer of a complete refill of the total sum insured that can be utilised an unlimited number of times for any illness or injury.

Upfront Good Health Discount

• This exclusive discount is available to customers who are 18 years and above and have successfully undergone a Health Risk Assessment at the time of obtaining their first policy.

• When you buy Aditya Birla Health Insurance Policy Online you are a step towards assessing your health, and you will receive a 10% discount upfront.

Early Bird Discount

• Early Bird Discount is specifically designed to reward individuals who choose to secure their insurance coverage at a younger age.

• To be eligible for this discount, the insured person needs to be below 35 years of age when they first enrol in a policy. Here's how the discount works.

From the 4th policy year to the 7th policy year, a 5% discount will be applied. Starting from the 8th policy year onwards, a 10% discount will be granted.

• Hospital Cash Benefit: Provides a daily cash allowance for each day of hospitalisation.

• Critical Illness Cover: Offers coverage for specified critical illnesses, providing a lump sum amount on diagnosis.

• Maternity Benefit: Covers maternity expenses including pre and post-natal care, delivery, and newborn expenses.

• Personal Accident Cover: Provides financial protection in case of accidental injuries or death.

• OPD (Out-Patient Department) Coverage: Covers expenses for doctor consultations, diagnostic tests, and medication without hospitalisation.

• Wellness Programs: Offers access to wellness services such as health check-ups, fitness programs, and nutrition guidance.

• Second Opinion: Provides an option to seek a second opinion from a panel of medical experts.

• Ambulance Cover: Covers the costs of ambulance services during medical emergencies.

• No-Claim Bonus: Offers a bonus for each claim-free policy year, resulting in increased coverage or premium discounts.

• Additional Sum Insured: Allows augmentation of the base sum insured for enhanced coverage.

• Room Upgrade: Provides the flexibility to upgrade to a higher category room during hospitalisation.

• Cashless Network Hospitals: Offers access to a network of hospitals where cashless treatment can be availed.

• Restore Benefit: Restores the sum insured in case it gets exhausted during the policy term.

• Domiciliary Hospitalisation Cover: Covers medical expenses incurred at home for specific illnesses.

• Accidental Death Benefit: Provides an additional payout in case of accidental death.

Here are the steps to follow to buy Aditya Birla Health Insurance Policy online

• Click on the Health tab of the home page https://www.coverfox.com/

• Select:

  • Gender
  • Members
  • Ages of all members
  • PIN Code and your contact information

• Choose the specific Aditya Birla Health Insurance Plan that you wish to buy and click on the “Buy Now” tab

• Add all details and choose the plan options, riders, etc.

• Make payment online.

• The policy document will be shared with you in your registered email ID.

Documents Required for Buy Aditya Birla Health Insurance Plans:

To register with Aditya Birla Health Insurance, you will need to provide the following documents

• OTP verification or a copy of the proposal form

• Identity, age and address proof

• Medical reports, if needed.

Your 12-digit member ID can be found in your welcome email, policy kit, or E-card.

The Process to Renew Aditya Birla Health Insurance Plans

To renew your Aditya Birla Health Insurance Plan, you need to log in with your policy credentials and contact details and make an online payment and the policy document will be emailed to your registered email address.

Documents Required for Renew Aditya Birla Health Insurance Plans

The documents required to renew Aditya Birla Health Insurance include

• A filled-out and signed Policy Renewal Form.

• Identification proof such as a passport, voter ID, or Aadhaar card, if needed.

• Online payment details to renew the plan.

Listed below are the processes to claim Aditya Birla Health Insurance Plans.

Cashless Claim

In case you get admitted into any of the network hospitals, you can apply for a cashless claim. In this, the process is fairly simple, wherein you need to provide the following documents at the time of admission:

• Policy document or health card.
• KYC documents of the policyholder and insured (if different).
• Doctor’s advice for hospitalisation.

The hospital would handle the rest of the process and documentation and you would receive the final bill at the time of discharge. You would have to pay only the amount that the insurer does not approve to take the patient home. The insurer would pay directly to the hospital to settle the claim.

Reimbursement Claim

In case of admission to a non-network hospital, you would have to pay for the entire expense from your own pocket and then claim a reimbursement of the same. Here is the process for filing a reimbursement claim:

Inform the insurer

• In the case of emergency hospitalisation, you are required to inform the organisation within a timeframe of 48 hours of being admitted.
• If the hospitalisation is planned, you must inform the organisation 3 days before being admitted.

After discharge, the actual claim needs to be processed.

Submit the documents

• You are required to collect all relevant documents listed from the hospital in their original form.
• Following discharge, these documents should be sent to the appropriate organisation within 15 days.

Claim processing

• Upon receiving the documents, the organisation will conduct a review of the documents as per the terms and conditions.
• Once all necessary formalities are completed, the hospital will process the claim.

Documents Required to Process a Claim of Aditya Birla Health Insurance Plans:

Here is a checklist of documents required to initiate a claim of Aditya health health insurance plan:

• Duly filled and signed claim form.

• KYC documents of the policyholder.

• Doctor’s advice for hospitalisation.

For reimbursement claim, the additional documents are:

• Original bills and receipts for medical expenses along with prescriptions.

• Investigation report related to the medical condition.

• Discharge summary or discharge card issued by the hospital.

• Policyholder’s bank account details with a cancelled cheque.

In case of an accident, the FIR (First Information Report) or Medico-Legal Certificate may be required.

Listed below on what is covered under Aditya Birla Health Insurance plans:

• Domiciliary Hospitalisation Expenses: If your doctor advises treatment at home, Aditya Birla Health Insurance plans provide coverage for such hospitalisation expenses.

• Organ Donor Expenses: Surgical expenses and medical expenses related to organ donation are covered by the insurer.

• Daycare Treatments: If the insured is hospitalised for less than 24 hours, then procedures like eye surgery, dialysis, sinusitis, and more, will be covered.

• In-patient Hospitalisation Expenses: With Aditya Birla Health Insurance plans, hospitalisation expenses for admission of more than 24 hours will be covered. This includes nursing, boarding, room rent, and other fees.

Listed below on what is not covered under Aditya Birla Health Insurance.

• Insurance does not typically cover cosmetic surgeries such as dental surgery, botox fillers, and other cosmetic procedures.

• Treatment expenses related to diseases such as Venereal or STDs are usually not covered by insurance.

• Insurance policies generally do not cover injuries caused by self-infliction, such as suicide attempts.

• Injuries resulting from war, riots, nuclear threats, or strikes are usually not covered by insurance policies.

• Participation in hazardous activities like paragliding, mountain climbing, and skydiving may not be covered by Aditya Birla Health Insurance policies in case of injuries.

If you are looking for simple information in an unbiased manner, Coverfox can help you in the same. It provides:

• Hassle-free buying options

• Claim assistance as well as

• Data protection and confidentiality!

Aditya Birla Health Insurance provides a range of health insurance plans that can be purchased online. Consider Aditya Birla Health Insurance for comprehensive coverage and convenient online policy management.