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Aditya Birla Health Insurance Benefits

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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

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Aditya Birla Health Insurance Plan List

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Benefits of Aditya Birla Health Insurance

Aditya Birla Health Insurance offers a range of health insurance plans that meet varied health insurance requirements of the individuals. It offers individual health insurance plans, family health insurance plans, senior citizen health insurance plans, COVID-19 health insurance plans, etc. that provide the insured with a wide scope of coverage as well as wellness-oriented benefits that promote healthy living, all of it at affordable premiums. The insurer also offers an assessment tool, with the help of which one can find the best health insurance plans as per their requirements and budget.

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  • Additional Benefit of Free Health Check up

    Many Aditya Birla Health Insurance plans offer the facility of free preventive health check-ups to the insured. This benefit is in-built in the coverage features of the plans and can be availed after completing 1-4 policy years, which may vary from plan to plan.

  • Additional Protection over Employer Coverage

    Employer sponsored group health insurance plans are commonly provided to employees. However, such plans are not comprehensive in their coverage and the sum insured levels are also limited. Aditya Birla health plans allow individuals to increase their existing group health cover by buying a separate health insurance plan at affordable premiums.

  • Cashless Benefit

    Cashless claims are facilitated by Aditya Birla Health Insurance plans through a wide network of hospitals across India. Individuals can avail cashless benefits if they are treated at a networked hospital.

  • Claim Settlement Ratio

    Claim Settlement Ratio (CSR) is the ratio of the claims settled by the company against the total number of claims presented on it in one financial year. Aditya Birla aims to settle maximum of its claims and had a CSR of 70.81% for FY 2019-20. Note that the CSR changes from time to time.

  • Coverage against Medical Expenses

    The plans offered by Aditya Birla are quite comprehensive in nature. They provide coverage for a range of benefits like inpatient hospitalisation, ambulance costs, pre and post hospitalisation, restoration of the sum insured, day care treatments, alternative treatments, etc. Moreover, premium discounts and rebates are allowed if you maintain a good health and live a healthy lifestyle.
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Disclaimer : Actual Coverage might vary basis your location, age and number of members

Key Features of Aditya Birla Critical Illness Insurance Policies

Some common features of critical illness insurance plans offered by Aditya Birla Health Insurance are as follows:

  • Portability option
  • Cashless treatment
  • Lifelong renewalbility
  • Hassle-free claim settlement
  • Wellness coach and personalized health advice
  • Tax benefits under Section 80D of the Income Tax Act

Even if someone has a standard health insurance plan, they must still opt for a critical illness plan to avoid financial strain in case of a critical illness.

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Save Tax upto ₹75000*
Under Section 80D

*Tax benefits are subject to changes in Income Tax Act.

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

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    Aditya Birla Health Insurance User Reviews

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    459 User reviews
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    Claim Process at Aditya Birla Health Insurance

    • Network Hospital
    • Non-Network Hospital
    • 1

      Claim Assistance

      For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
    • 2

      Claim Intimation

      Emergency hospitalisation needs intimation within 48 hours and for planned hospitalisation intimate within 3 days prior to admission.
    • 3

      Claim Processing

      Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
    • 4

      Claim Settlement

      Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
    • 1

      Claim Assistance

      For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
    • 2

      Claim Intimation

      Emergency hospitalisation needs intimation within 48 hours and for planned hospitalisation intimate within 3 days prior to admission.
    • 3

      Claim Processing

      Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
    • 4

      Claim Settlement

      Once your request for reimbursement of expenses is approved, the claim will be settled.

    1720 Aditya Birla Cashless Network Hospitals in India

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    FAQ About Aditya Birla Health Insurance

    • 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%.

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    Network Hospital in Popular Cities

    CityNo of Hospital
    Hyderabad254
    Mumbai130
    Kolkata95
    Karimnagar24
    Indore46
    New Delhi6
    Nagpur70
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