Aditya Birla Health Insurance Company Limited is a joint undertaking between Aditya Birla Group of India and MMI Holdings of South Africa. It was incorporated in 2016 as a standalone health insurance company from the Aditya Birla Financial Services Group. The Company was established to bring out the focus on health as much as insurance. In India, the current healthcare facility needs significant development, and Aditya Birla Health Insurance’s initiative is a moving a step closer towards achieving the goal for a better and healthier India. The company aims to provide their customers with comprehensive healthcare solutions at an affordable price. The company understands the diverse healthcare needs of their customers that is why they made their health insurance plans to offer you wide range of benefits.
Key Features & Benefits of Aditya Birla Health Insurance:-
- ✔This insurer offers wide range of medical insurance online policies not only for individuals, but also for families, and groups.
- ✔Aditya Birla health insurance policies offer longer plan terms ranging from 1 year to 3 years.
- ✔The company offers free online insurance quotes and renewal quotes.
- ✔The Offers coverage for pre and post hospitalization expenses.
- ✔Aditya Birla medical insurance plans come with a high sum assured amount that ranges from Rs.10 lakh, up to Rs.2 crore for comprehensive plans.
- ✔Additional expenses coverage is also available under Aditya Birla health insurance policy online.
- ✔Provides coverage for other medical treatment expenses like in-patient treatments that includes ICU charges, room rent, operation charges, specialist’s fee etc.
- ✔Domiciliary hospitalization expenses come under Aditya Birla medical insurance plan.
- ✔Offers coverage for daycare procedures.
- ✔If you buy Aditya Birla health insurance policy online, you will get the choice of hospital room category. If the policyholder has chosen a lower room category, he/she will be eligible to file for the reimbursement claim.
- ✔Recovery benefit is available and it depends on the terms of plan you choose.
- ✔The most wanted benefit of Aditya Birla mediclaim policy is tax benefits under the provision of Income Tax law in India.
- ✔Free medical check-up option is available.
- ✔Ambulance charges are covered.
- ✔For each claim-free policy year, you will get 10% to 20% cumulative bonus. Though it depends on the policy you have chosen.
- ✔The company offers reload of sum assured.
- ✔All the policyholders can avail a range of value-added benefits under the Aditya Birla medical insurance plans as well. Such as the option to get second e-opinion for a critical illness, participate in a Chronic Management Program to supervise chronic illnesses and avail the services of Wellness Coach.
Wide ranges of insurance products are offered by Aditya Birla health insurance policy online to complete the need of individual to family. Following are the mediclaim policies offered by Aditya Birla.
Activ Secure – Hospital Cash:
- ✔This Activ Secure - Hospital Cash cover of Aditya Birla is specially planned to take care of your additional expenses that may occur along with your hospitalization expense and itself can burn a hole in your hard earned savings.
- ✔During the period of hospitalization, the plan offers daily cash benefit and that will be paid for every 24 hours. This daily cash benefit can be opted for duration of 30 days, 45 days and 60 days respectively during a single policy year.
- ✔While normal health insurance policy provides coverage for the medical expenses incurred during the hospitalization, there are many unseen expenses involved in the hospitalization. However, this hospital cash benefit will come in handy for a series of expenses including food, travel, convalescence, etc.
- ✔This Activ Secure – Hospital Cash plan offers tax benefits under Section 80D of the Income Tax Act, 1961.
- ✔This policy comes with different options and ensures that insured have adequate money for their day-to-day expenses during the period of hospitalization.
- ✔Based on the plan chosen by the insured, per day allowance ranges between Rs.500 to Rs.10,000.
- ✔Under Double Benefit Cover, the insured persons are entitled to double the amount of daily cash benefit if they are admitted to the ICU. This profit is paid for a maximum duration of 10 days during each policy year.
- ✔If an insured below 12 years of age has been hospitalized for over 72 continuous hours, then parental accommodation benefit will be paid which is equal to daily cash benefit of one day.
- ✔Convalescence benefit will be paid to the insured if the insured is hospitalized for duration of 7 days.
- ✔Active Secure – Hospital Cash plan also offers a Wellness Coach who will help and guide you in improving and maintaining the health.
Activ Assure Diamond:
- ✔Activ Assure Diamond policy by Aditya Birla offers comprehensive health insurance coverage and this plan has an affordable premium that offers various benefits and wide insurance coverage.
- ✔This plan provides coverage for a range of hospitalization expenses like diagnostic tests, follow-up tests, etc. for a time period of 30 and 60 days correspondingly.
- ✔The policy offers sum insured reload option in case the sum insured and No Claim Bonus is exhausted due to claims filed earlier. As per this policy, an insured person gets up to 150 percent additional sum insured for hospitalization due to a disparate illness.
- ✔If the insured has been hospitalized for over 24 hours for sudden emergency or a planned treatment, this Activ Assure Diamond policy provides coverage for the expenses like doctor’s fee, medicines, room rent, operation charges and other related expenses.
- ✔Under this policy, Rs.500/day is provided for a maximum of 5 days as a daily allowance of per hospitalization on policies with a sum assured of up to Rs.4 lakh.
- ✔This Diamond plan offers coverage for a range of other types of treatments such as 586 day-care procedures, road ambulance cover, domiciliary hospitalization, organ donor expenses, vaccination, and AYUSH in-patient treatment.
- ✔10% no claim bonus of sum assured is provided to the insured for every claim free policy year. The maximum limit of NCB is 50% of sum assured.
- ✔Additional benefits offered under this plan include a yearly held health check-up program for the policyholders, domestic/international emergency assistance services, chance to avail the HealthReturns rewards for staying fit, and services of a health coach.
- ✔This Activ Assure Diamond plan also comes with a number of value-added optional covers like unlimited reload of sum assured, any room upgrade, cancer hospitalization accidental hospitalization booster and Reduction in Waiting Period for pre-existing illness.
Group Activ Health:
- ✔Aditya Birla Group Activ health insurance covers are primarily taken by the employers to provide health cover for their employees.
- ✔This policy provides comprehensive coverage against a range of health related diseases.
- ✔Documentation required to apply for this Group Activ Health insurance plan is minimal and simple.
- ✔Under this plan, you can avail cashless claim settlement.
- ✔Policy issuance is made rapid and easy due to the simple underwriting process.
- ✔This Group Activ Health insurance plan of Aditya Birla also offers a range of optional covers that can help you tailor the plan as per your requirements and get enhanced protection. In addition to that, you can further customize the policy in terms of the features, limits, and waiver of restrictions.
- ✔This plan is entitled for tax exemption under Section 80D of the Income Tax Act, 1961.
Group Activ Secure:
- ✔The Activ Secure plan of Aditya Birla is a group plan that offers fixed benefits.
- ✔This plan provides coverage for group personal accident, group critical illness cover and Group Hospital Cash Benefit.
- ✔Under this Group Activ Secure plan, if the policyholder suffers from a health issue they will be entitled to receive a lump sum benefit.
Activ Health Enhanced:
- ✔This plan provides sum insured up to 2 crores.
- ✔There is a choice of hospital room category.
- ✔If you stay healthy, you can get rewards in health return form.
- ✔24 hrs hospitalization coverage for chronic disease like diabetes, high cholesterol hyper tension, and asthma.
- ✔Reload of sum assured.
- ✔Worldwide emergency services.
- ✔Premium price will be decided on Zone basis.
Activ Health Essential:
- ✔This plan can be purchased for a policy term of 1, 2, or 3 years.
- ✔Sum Insured option is available of up to Rs 10 lakhs
- ✔For enhanced protection, Aditya Birla health insurance offers optional add-ons.
- ✔you can select room according to your choice.
- ✔Rewards in form of health returns.
- ✔Offers day 1 coverage for chronic disease.
- ✔Coverage for death due to an accident, partial and permanent disability.
- ✔Benefits for education and orphan for dependent children.
- ✔Avail option of wellness coach service.
- ✔This plan offers three options to provide coverage for 20, 50 or 64 critical illness.
- ✔Tax benefit.
- ✔Wellness coach service option is available.
- ✔As per this plan, you will get coverage for early, major and advance stage of cancer.
- ✔On detection of advance stage of cancer, you will get up to 150% payout.
- ✔Option of increasing cumulative bonus.
Other products offered under Aditya Birla Health Insurance are:-
- ✔Group Activ Health.
- ✔Group Activ Secure.
You cannot avoid the necessity of Aditya Birla health insurance renewal, if you are looking for future emergency regarding health, Policyholders must need to renew their policy before its expiration. Aditya Birla health insurance renewal is easy and convenient if you go with online method. By following the below-mentioned steps, you will be able to complete Aditya Birla mediclaim policy online renewal.
- ✔First of all, you have to log into the website of Aditya Birla Health Insurance Company Limited
- ✔Then click on the ‘Renew’ tab and select ‘Quick Renew’ to initiate Aditya Birla health insurance online renewal.
- ✔After that, you have to fill up the details regarding your personal self and policy details and click on ‘Renew Now’.
- ✔In the next step, you have to pay the premium digitally for completing insurance renewal.
- ✔After paying the premium, you will receive a confirmation mail stating the completion of Aditya Birla health insurance online renewal.