Aditya Birla Health Insurance - Compare plans, reviews & renew online

Aditya Birla Health Insurance (ABHI) is one of the newly launched companies in the health insurance market. Aditya Birla provides insurance services in different domains through its financial services wing. Health insurance, however, is provided as a standalone service by Aditya Birla. This company has been established in partnership with South Africa-based MMI Holdings Ltd, which owns 49% stake in the venture. The company looks forward to position itself in the highly competitive health insurance business, which is still growing in the Indian market.

 

Features & Benefits of Aditya Birla Health Insurance

Aditya Birla Health Insurance is already operating in the Indian market, and it currently offers multiple products for individuals, families, and groups. Some of the key features and benefits of ABHI can be listed as follows.

• Flexible plan options: Aditya Birla offers variety of plans based on the requirements of customers. Plans are available for individuals, families, and groups. There are plans available for specific benefits including personal accident, critical illness, cancer, etc. In addition to this, there are plans that provide benefits for groups.
• Multiple sum insured options: Customers can choose the sum insured amount based on their requirement and affordability. Under specific plans, it is possible to get coverage for up to Rs.2 crore.
• Wellness coaching: One of the features of Aditya Birla Health Insurance is that it provides access to health industry experts anytime and anywhere. Customers can get their doubts clarified anytime by various health specialists online.
• Network hospitals: The company has a big network of hospitals and doctors. Customers can access the list of hospitals and doctors in their cities/towns by visiting the company website.
• Health Returns: The company offers rewards for healthy behaviour in its customers. Customers can access this information by visiting the company’s official website.
• Tax relief: The premium amount paid towards various health insurance policies under Aditya Birla is eligible for income tax benefit as per section 80D of the Income Tax Act.

Plans Provided by Aditya Birla Health Insurance

Aditya Birla Health Insurance offers a diverse range of plans based on the requirements of customers. The plans offered by the company can be listed as follows.

*Premiums may vary depending upon factors like age, location, term of the plan, and prevailing taxes/GST.

Activ Health Essential

Activ Health Essential by Aditya Birla is a comprehensive medical insurance cover specifically designed for the middle income segment of the country. This plan comes in multiple sum insured options based on the affordability of the proposer. In addition to the regular reimbursement and cashless treatment benefits, this policy also provides access to the value added benefits offered by the company including Health Returns, Wellness Coach, etc.

Unique Features of Activ Health Essential

• Sum insured options starting from as low as Rs.50,000
• No maximum limit on entry age
• Day 1 coverage for various chronic diseases including diabetes, hypertension, cholesterol, etc.
• Deductible options available to get premium discounts
• Free health checkup available once per policy year
• Second e-opinion from qualified international specialists for various critical illnesses

Plan Details

Entry age	From 91 days; no upper limit
Family floater cover	Coverage offered for up to 9 members including dependent parents and parents-in-law
Sum insured	Rs.50,000 to Rs.10 lakh
Copayment	Mandatory copayment of 20%
Cumulative bonus	Up to 10% per claim-free year subject to a maximum of 100%
Pre-hospitalisation expenses	Up to 30 days prior to the date of hospitalisation
Post-hospitalisation expenses	Up to 60 days after discharge from the hospital
Road ambulance cover	Network hospitals - actual expenses Non network hospitals - maximum of Rs.2,000 per hospitalisation

Activ Health Enhanced

Activ Health Enhanced by Aditya Birla is a health insurance cover designed to provide enhanced coverage for policyholders. This policy is available in flexible terms ranging from 1 to 3 years, and it offers a range of benefits for policyholders. This policy is available for both individuals and families. In addition to the regular benefits, customers who have this policy can also access the value-added benefits provided by the company.

Unique Features of Activ Health Enhanced

• Enhanced protection with sum insured up to Rs.2 crore
• No limit on entry age
• Day 1 cover for various chronic illnesses including diabetes, hypertension, asthma, etc.
• Choice of room category for all policyholders with sum insured Rs.7 lakh and above
• Recovery benefit for variou ancillary expenses including travel expenses, attendant fees, etc.
• Worldwide Emergency Assistance Service for medical help in places across the world

Plan Details

Entry age	From 91 days; no upper limit
Family floater cover	Coverage offered for up to 9 members including dependent parents and parents-in-law
Sum insured	Rs.2 lakh to Rs.2 crore
Copayment	Not required
Recovery benefit	Up to 1% of the sum insured subject to a maximum of Rs.10,000
Cumulative bonus	Up to 20% per claim-free year subject to a maximum of 100%
Reload of sum insured	Automatic reload for claims other than the one for which the sum insured got exhausted (For accidental claim, sum insured can be reloaded for the same claim.)
Organ donor expenses	Covered for both receiving and harvesting an organ
Domiciliary hospitalisation	Available up to the sum insured limit
Day care treatment	Available for various medical procedures like dialysis
Road ambulance cover	Network hospitals - actual expenses Non network hospitals - up to Rs.5,000 per hospitalisation
Pre hospitalisation medical expenses	Covered for up to 60 days before admission in a hospital
Post hospitalisation medical expenses	Covered for up to 180 days after discharge from the hospital

Activ Secure - Personal Accident

Personal accident covers are mainly for providing financial security against the unexpected risk of accidental death or disability. Aditya Birla Activ Secure - Personal Accident is designed just for that purpose. This personal accident cover offers coverage against permanent total disability, permanent partial disability, and death. In addition to the regular benefit, this policy also comes with a range of optional covers to provide enhanced protection.

Unique Features of Activ Secure - Personal Accident

• Complete protection against death and disability
• Coverage provided for modification of vehicle and home following a disability
• Compensation for education benefit for children of the insured
• Protection against loans taken by the insured
• Multiple add-on covers to enhance protection

Plan Details

Accidental death	100% of the sum insured
Permanent total disability	100% of the sum insured
Permanent partial disability	Up to 100% of the sum insured depending upon the nature of the disability
Education benefit	Lump sum payment of 10% of the sum insured for a surviving child
Orphan benefit	10% of the sum insured subject to a maximum of Rs.15 lakh
Emergency ambulance service	Up to Rs.1,000
Funeral expenses	1% of the sum insured subject to a maximum of Rs.50,000
Modification benefit	Up to Rs.1 lakh for modification of home or vehicle
Compassionate visit for travel expenses	Domestic travel - up to Rs.10,000 International travel - up to Rs.25,000
Cumulative bonus	5% of the sum insured per year subject to a maximum of 50%
Temporary total disability (optional)	Weekly benefit up to Rs.50,000 for 100 weeks
Accidental hospitalisation (optional)	1% of the sum insured subject to a maximum of Rs.1 lakh
EMI protect (optional)	Monthly instalments for loans as per the policy terms
Loan protect (optional)	Coverage for any loans taken by the insured

Activ Secure - Critical Illness

Activ Secure - Critical Illness policy by Aditya Birla is a health cover that pays lump sum payment following the first detection of any of the named critical illness in the list. The plan is available in different variants and comes with a lot of flexible options. It comes with a low survival period to ensure that policyholders get the benefits immediately. As a critical illness cover, this policy ensures that policyholders get adequate financial support if they are diagnosed with a major illness.

Unique Features of Activ Secure - Critical Illness

• Three different plans available based on the sum insured chosen
• Protection offered for up to 64 critical illnesses
• Sum insured options up to Rs.1 crore in the most comprehensive plan
• Tax benefits under section 80D of the Income Tax Act

Plan Details

Plan 1	Coverage for up to 14 illnesses with 100% payout
Plan 2	Coverage for up to 50 illnesses with 100% payout
Plan 3	Coverage for up to 64 illnesses 100% payout for 50 critical illnesses under List A 50% payout for 14 critical illnesses under List B 150% payout if diagnosed with more than one critical illness
Wellness coach (optional)	Coaching to get advice on changes to lifestyle, fitness, and nutrition
Medical second opinion (optional)	Second e-opinion from a panel of medical experts

Activ Secure - Hospital Cash

Activ Secure - Hospital Cash by Aditya Birla is a health insurance cover that offers daily cash benefit during the period of hospitalisation. While a regular medical insurance cover pays for the medical expenses incurred during hospitalisation, there are many hidden expenses involved in hospitalisation. This hospital cash benefit will come in handy for a range of expenses including food, travel, convalescence, etc. This plan comes with different options and ensures that patients have adequate money for their day-to-day expenses during hospitalisation.

Unique Features of Activ Secure - Hospital Cash

• Daily cash benefit offered irrespective of the hospital bill
• Per day allowance ranges between Rs.500 to Rs.10,000 based on the plan chosen by the insured
• Double cash allowance for hospitalisation in intensive care unit
• Additional benefit if hospitalisation extends beyond 7 days

Plan Details

Daily cash benefit	Available after each completed period of 24 hours in hospital Available for 30 days or 45 days or 60 days in a policy year based on the plan chosen by the policyholder
Double benefit for ICU hospitalisation	Available for a maximum of 10 days in a policy year
Convalescence benefit	1 day worth of cash benefit (for hospitalisation more than 7 days)
Parental accommodation	1 day worth of cash benefit if children aged 12 or less get admitted in a hospital (available for hospitalisation 72 hours or more)
Deductible	One day
Wellness coach (optional)	Access to wellness coaches for advice on lifestyle, fitness, and nutrition

Activ Secure - Cancer Secure

Activ Secure - Cancer Secure is a disease specific covered offered by Aditya Birla Health Insurance. Unlike a critical illness cover, this policy offers protection only against cancer. Various stages of cancer are covered in this policy, and it pays a lump sum upon the first diagnosis of cancer. Being a disease-specific policy with limited coverage, this policy can be availed for a cheap price. In addition to providing coverage for cancer, this policy offers a range of other benefits such as wellness coaching and medical second opinion.

Unique Features of Activ Secure - Cancer Secure

• Coverage provided for all three stages of cancer - early, major, and advanced
• Payout percentage of sum insured differs based on the stage of detection
• Survival period of just 7 days following the first diagnosis of cancer
• Increased protection through cumulative bonus

Plan Details

Payout benefits	50% of sum insured for early detection 100% of sum insured for major stage detection 150% of sum insured for advanced stage detection
Additional payout	Payout available for major stage even after initial payout for early detection
Survival period	7 days following the first diagnosis of cancer
Cumulative bonus	10% per claim-free year subject to a maximum of 100%
Wellness coaching	Access to wellness coaches for advice on lifestyle, fitness, and nutrition

Activ Assure - Diamond

Aditya Birla Activ Assure - Diamond is a health insurance cover that offers a range of specific benefits for policyholders. This cover ensures that policyholders are well protected and their financial security is not threatened following any illness. In addition to offering protection against hospitalisation costs, this policy provides coverage for various day-care procedures. This is a high-end plan intended to provide coverage for people with huge coverage requirements.

Unique Features of Activ Assure - Diamond

• Multiple sum insured options up to Rs.2 crore
• Any room upgrade option for sum insured over Rs.5 lakh
• Various add-on covers to enhance overall benefits
• Coverage for AYUSH in-patient hospitalisation for treatments including Ayurveda, Unani, Siddha, and Homeopathy
• Rewards for following a healthy lifestyle
• Tax relief for premium amount paid

Plan Details

Entry age	From 91 days; no upper limit
Sum insured	Up to Rs.2 crore
Day care treatment	Covered for up to 586 procedures
Organ donor expenses	Covered for both receiving and donating organs (If receiving organ, expenses of the donor are also covered.)
Reload of sum insured	Reload up to 150% subject to a maximum of Rs.50 lakh
Daily cash allowance	Rs.500 per day (max. 5 days) for sum insured up to Rs.4 lakh
No claim bonus	10% per claim-free year subject to a maximum of 100%
Health checkup	Once a year based on the age and sum insured amount of the insured person
Unlimited reload of sum insured (optional)	Reinstatement of sum insured multiple times after various claims
Super NCB (optional)	50% per claim-free year subject to a maximum of 100%

Group Activ Health

As the name implies, Aditya Birla Group Activ Health is a group medical insurance covered provided by the company. Group covers are primarily taken by employers to provide health cover for their employees. However, other groups such as members of an association may also take this cover. The specific terms of the cover and the benefits obtained can be discussed by contacting the company directly.

Unique Features of Group Activ Health

• Simple underwriting and quick issuance of policy
• Easy documentation procedures
• Availability of cashless treatment
• Customisable features and benefits
• Variable options as per the requirements of the insured

Checklist before Buying Aditya Birla Health Insurance

• Compare the plans offered by the insurer
• Choose the appropriate sum insured you need
• Finalise the coverage amount
• Check out the exclusions listed in the policy
• Ensure that the waiting period is suitable for you
• Prepare the documents necessary for signing up

Documents Required to Buy Aditya Birla Health Insurance

• Identity proof
• Address proof
• Aadhar number
• Medical certificates (if applicable)

Reasons to Choose Aditya Birla Health Insurance

• Additional benefits such as Wellness Coaching, Health Returns, etc
• Rewards for maintaining a healthy lifestyle
• Floater benefit in most insurance policies
• Multiple plans (critical illness, hospital cash, personal accident, etc.) under a single brand
• Plenty of add-on covers to enhance overall protection

Documents Required for Claim

The following documents must be submitted to the insurer while making a claim under a particular policy.

• Claim form
• Medical bills
• Death certificate (if applicable)
• Physician’s certificate regarding diagnosis
• Other relevant bills and documents

The company’s customer service page will provide you with all the relevant details about making a claim.

Claim Procedure

The website of Aditya Birla Health Insurance provides you access to all the details about your policy and claim details. Following the occurrence of an event that may give rise to a claim, the company must be notified immediately. You can contact the company’s customer service regarding the claim. While filing for a claim, you must provide all the above mentioned proofs and documents. Once the documents are submitted, the company will verify the claim and provide the settlement amount. During the claim process, you can check the status of your claim by logging in into the company’s website.