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Aditya Birla Health Insurance

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Aditya Birla Health Insurance
Highlights
Cashless Approval TAT2 hr Cashless Claim Processing
Claim Settlement Ratio96%
Network Hospitals10,500+
Pre-existing Disease Coverage Starting FromDay 1
Special BenefitsIncentivized Wellness
Starting Premium for Rs. 5 lakh CoverageRs. 270/month

Aditya Birla Health Insurance Co. Limited (ABHICL), which is a part of Aditya Birla Capital Ltd. (ABCL) is a joint venture between Aditya Birla Group and MMI Holdings of South Africa. ABHICL started its operation in October 2016 and began giving health insurance services to its customers. As per data ABHICL has recorded a gross written premium of Rs. 2,399 Crore till date and has covered 21 Million lives. It has a presence in over 5000+ cities through its branches and partner offices across the country.

About Aditya Birla Health Insurance

Aditya Birla Health Insurance has a wide range of health insurance products for its customers. It has a unique offering that includes chronic care and incentivized wellness. The company has settled over 20.5 lakh+ claims with a claim settlement ratio of 96% for the financial year 22-23. Aditya Birla Health Insurance not only sells insurance but also helps and motivates its customers in their journey of health and wellness. The health insurance company will give rewards to you for your good health with HealthReturnsTM and they will support you at every stage with guidance on nutrition, fitness, and lifestyle.

Key Features

Listed below are the key features of Aditya Birla Health Insurance:

  • Cashless Hospitalisation: Aditya Birla Health Insurance gives cashless treatment facilities at its network hospital. If you are receiving treatment at the network hospital of the company then you don’t have to take tension of cash. The company will settle all bills of the hospital.
  • No Co-Payment: The company offers plans to its customers in which there is no co-payment. It means you do not have to pay a single amount at the time of claim.
  • Health & Wellness Programs: Aditya Birla Health Insurance not only deals in health insurance but also cares for its customers. The company says that “prevention is better than cure” and this is why they not only cover your medical bills but also encourage you to stay healthy. You will get a nutrition plan and mental health guidance from the wellness coach.
  • Coverage for Pre-Existing Conditions: You will get coverage for necessary care when needed for pre-existing diseases that are in your body before buying health insurance.
  • No Claim Bonus: You will get an extra sum assured as a reward for each claim-free year.

Health Insurance Calculator

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Disclaimer : Actual Premium might vary basis your location, age and number of members

Key Metrics 

Go through the key metrics of Aditya Birla Health Insurance from the table below:

Key Metrics

Data

Claim Settlement Ratio

98%

Solvency Ratio

2.63

Lives Covered

2.5 Crore+

Network Hospital

11000+

Launch Year

2016

* Claim settlement ratio is the metric used to evaluate the insurance company on the basis of claims settled by them. The percentage of claims received and from that how much claim is settled is calculated and then the claim settlement ratio comes out. If the company has a claim settlement ratio greater than 85% then it is considered good to go for an insurance policy.

* *Solvency ratio is used to calculate the financial stability of the company. It is used to measure whether the company is capable of paying its long-term debt or not.

Aditya Birla Health Insurance Plan List

  • Individual (9)
  • Family (9)
  • Woman (9)
  • Parents (6)
  • Blood Pressure (9)
  • Kids (7)
  • Thyroid (9)
  • Diabetes (9)
  • Heart (3)
  • Senior Citizen (5)
See More Plans

Eligibility to Purchase Adityta Birla Health Insurance Plan

There are a few eligibility criteria that should be fulfilled to purchase health insurance from Aditya Birla Health Insurance and those eligibilities are:

  • Children: 91 days for family floaters plans and 5 years for individual plans.
  • Adults: From the age of 18 years to 99 years old depending on the plan selected by the customers.
  • Citizenship: Must be a citizen of India
  • Medical Tests: Depends on the types of plan selected
  • Disclosures: Must disclose if there is any pre-existing disease and habit of smoking.
  • Family: An individual must have a spouse, children, parents and siblings to get covered under a family floater plan.

Aditya Birla Health Insurance Top Up List

    Name of PlanSum Insured
    Super Health Plus Top-up PolicyMin: 91 Days; Max: 65 years3 Lakh - 95 Lakh Check Premium

    Top Plans Offered by Aditya Birla Health Insurance

    The top plans by Aditya Birla Health Insurance Company are tabulated below:

    Plans

    Plan Type

    Sum Insured

    Suitable For

    Active Assure Diamond Plan

    Individual and Family Floater

    Rs. 2 Lakh to Rs. 2 Cr

    Family

    Activ Health Platinum Enhanced

    Individual and Family Floater

    Rs. 2 Lakh to Rs. 2 Cr

    Family

    Active Fit

    Individual

    Rs. 2 Lakh to Rs. 2 Cr

    Young Individual

    Riders offered by Aditya Birla Health Insurance

    Some of the top riders offered by Aditya Birla Health Insurance are mentioned below:

    • Super No Claim Bonus: By taking this rider for your plan you will be eligible for adding a minimum of 50% and a maximum of 100% sum insured to your plan for every claim-free year.
    • Reduction in Waiting period: This rider will help you to reduce the waiting period for pre-existing diseases by 24 months.
    • Cancer Hospitalisation Booster: This will help you to get coverage for the treatment expenses of cancer-related diseases.
    • OPD Expenses: You can take an OPD rider which will help you cover expenses related to the OPD consultation, diagnostic and medication.

    How to Purchase Aditya Birla Health Insurance Policy?

    There are two ways through which you can purchase the Aditya Birla Health Insurance policy, one is online and another is through agents.

    Purchase Aditya Birla Health Insurance Policy via the Insurer’s Website

    Please follow the given below process for purchasing Aditya Birla Health Insurance from its official website:

    Step 1: Visit the Aditya Birla Health Insurance Website

    On your search engine open the Aditya Birla Health Insurance website and visit the health insurance section.

    Step 2: Click on the “I am looking for” section

    Click on the “I am looking for” section in the top right corner of the screen. There you have to select the type of plan you want to buy and the option of adding family members.

    Step 3: Enter Age

    Enter the age of yourself and your family members

    Step 4: Enter your email address and phone number

    You have to fill email address and phone. After filling in your phone number you will get an OTP for verification.

    Step 5: Select the plan

    Select the plan according to your needs and demand which will suit best for you and your family members.

    Step 6: Fill in the required information

    Fill in the required information of all your family members such as phone number, address, age, and qualifications.

    Step 7: Make Premium Payment Online

    After filling in all details you will be redirected to the secure payment gateway and make your payment.

    Documents Required for Purchasing Your Policy

    • Proposal form
    • Age proof
    • Identity proof
    • Passport size photograph
    • Address proof
    • Medical reports
    • PAN/ Aadhar card

    How to Claim Your Health Insurance?

    Aditya Birla Health Insurance provides cashless claims to its customers for network hospitals and reimburses the bill amount to the customer account for non-network hospitals. For planned hospitalisation inform the insurer 3 days before hospitalisation and in case of emergency inform within 48 hours after hospitalisation.

    Awards and Achievements of Aditya Birla Health Insurance

    • Best Health Insurance Co of the Year 2022, at the InsureNext Summit and Awards by Banking Frontier
    • Best Group Insurance Growth 2022, at the InsureNext Summit and Awards by Banking Frontier
    • Best Product Innovation - BFSI at Dun & Bradstreet's BFSI and Fintech Awards 2023
    • Product Innovation Company of the Yearat the India Insurance Summit Awards 2023 by Synnex

    Aditya Birla Health Insurance - Customer Service & Support

    To connect with the Aditya Birla Health Insurance customer service and support team you can:

    • Call their toll-free number 1800-270-7000
    • Whatsapp on +91-8828800035
    • You can also connect with InsuranceDekho's Customer Support Team by sending an email to support@insurancedekho.com or by calling +91-755 1196 989.

    Complaints & Grievance Redressal

    Aditya Birla Health Insurance has a well-settled grievance cell which will help you in addressing your concerns. You can contact them with the following information:

    Write to the company Head Office at the below address

    Aditya Birla Health Insurance Co. Limited 7th floor, Modi Business Centre, Kasarvadavali, Mumbai, Thane West 400 615

    InsuranceDekho Grievance Redressal

    You can also contact the InsuranceDekho grievance cell at:

    grievance@insurancedekho.com

    Or

    Contact Number: 7551196989

    Health Insurance News

    FAQs

    • On what factors the eligibility to get a health insurance plan depends?

      The two basic eligibility criteria for getting the insurance policy are entry age and medical check-up.

    • Can I buy a health insurance policy for my 4-year-old kid?

      Aditya Birla Health Insurance does not offer any separate health insurance plan for kids. But, they can be covered with their parents either on an individual or a floater basis.

    • When should a reimbursement claim request be submitted?

      Request for reimbursement claim should be submitted within 15 days of getting a discharge from the hospital or clinic.

    • What is the period in which Aditya Birla Health Insurance settles claims?

      Aditya Birla Health Insurance settles claims, including the rejection, within 7 working days of receiving necessary documents, but not more than 30 days.

    • What is the Incurred Claims Ratio of Aditya Birla Health Insurance for the financial year 2018-2019?

      The ICR for Aditya Birla Capital Health for FY 2018-19 is 59%.

    User Reviews

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    What users are saying
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    • Price
    • Helpful
    • Network Hospitals
    • Claim
    • Renew
    • Premium
    • Top up
    • Critical Illness
    • Great Customer service

      It was a smart choice to go with Aditya Birla Health for my health insurance, and InsuranceDekho made it even simpler. Their plans have a special emphasis on preventative healthcare and provide extensive coverage at reasonable costs. I like their preventative health exams and wellness initiatives because they keep me fit and active. I received competent and kind guidance from their customer service agents when I processed my insurance. Aditya Birla Health's dedication to maintaining my family's and my health is something I appreciate

      A
      Aditya Birla
      By Apurav Kalra
      On: Jun 26, 2024
    • Comparing to choose the best p...

      The Aditya Birla Health Insurance alternatives offered by InsuranceDekho pleased me. Finding the right plan for my needs was made simple and dependable by the platform. The entire procedure was simple and stress-free thanks to their expert advice and thorough information. I heartily endorse their offerings.

      R
      Aditya Birla
      By Riaz Khan
      On: Jun 20, 2024
    • Customer Care team is an immen...

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      D
      Aditya Birla
      By Dhruv Gupta
      On: May 29, 2024
    • Doubts and concerns resolved

      InsuranceDekho gave me peace of mind while I was purchasing an Aditya Birla Health Insurance plan. Transparent terms and quick responses to queries. They made it easy to under the plans and made my choice easier fulfilling all my needs.

      O
      Aditya Birla
      By Ojas Chaudhary
      On: May 23, 2024
    • Easy To Buy Online

      Thanks to InsuranceDekho for helping me in purchasing the Aditya Birla Health Insurance Policy. My purchase with the InsuranceDekho company was highly worth it. Every step in the buying process was smooth and convenient. It was simple for me to compare the plans and buy through InsuranceDekho's official website. Thanks to the customer care team for helping with my purchase.

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      Aditya Birla
      By Tanya Yadav
      On: Mar 12, 2024