Aditya Birla Health Insurance FAQs

The maximum no claim bonus is up to 100% of the sum insured, which is available if there are no claims for 10 consecutive policy years.

The entry age to buy cancer plan is between 18 years and 65 years.

The plan can be taken for 1 to 3 years.

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

You can claim as many times as possible, but the total claim can’t exceed the sum insured amount under the policy.

The policyholders are required to submit the claim form along with the documents for the reimbursement of the claim not later than 15 days from the date of discharge from the hospital at the nearest branch of Aditya Birla Health Insurance.

Aditya Birla Health Insurance generally settles the claim within 7 working days of the receipt of the last necessary document, but not more than 30 days.

You can use the formula given below to calculate the Claim Settlement Ratio of Aditya Birla Health Insurance.

Claim Settlement Ratio (CSR)=(Total number of claims received during a financial year)/(Total number of claims settled during a financial year+Outstanding claims at the beginning of the year)

In case of planned hospitalisation, you must inform Aditya Birla Health Insurance within 48 hours of hospitalisation, whereas in case of emergency hospitalisation, the information should be conveyed 3 days prior to hospitalisation.

To process cashless insurance claim settlement of Aditya Birla Health Insurance is as follows:

• Approach the network hospital of Aditya Birla Health Insurance
• Provide the policy number or show Aditya Birla Health Insurance card at the hospital
• The network hospital will submit the pre-authorization form within 48 hours of hospitalisation.
• Your claim request will be reviewed by the insurance company and the decision will be conveyed to the network hospital
• Once all the formalities have been completed, the insurance company will settle the bill directly at the network hospital.

Given below is the process to make claim under Aditya Birla Health Insurance:

• Notify Aditya Birla Health Insurance about the treatment required and get hospitalised at a network hospital or a non-network hospital of your choice.
• After getting treated, payout of your own pocket at the hospital
• Collect all the claim documents from the hospital and submit them to Aditya Birla Health Insurance
• After verifying your documents, Aditya Birla Health Insurance will approve your claim and will you for the treatment availed. Note that you will be informed about the same on your registered phone number or Email ID.

As per the IBAI’s General Insurance Claim Insights Handbook For Policyholders-4th and 5th Edition, the Claim Settlement Ratio of Aditya Birla Health Insurance for the year 2018-19 and 2019-20 93.68% and 70.81% respectively.

The Claim Settlement Ratio of Aditya Birla Health Insurance for the FY 2019-20 is 70.81%.

The name of the critical illness policy offered by Aditya Birla Health Insurance is Activ Secure - Critical Illness.

Aditya Birla Health Insurance covers 20 to 64 critical illnesses under its critical illness plans.

The minimum entry age under Aditya Birla Health critical illness plan is 5 years.

To buy critical illness cover offered by Aditya Birla Health Insurance, you can fill a quote at InsuranceDekho or may simply contact the customer care executives on the toll-free number 755-119-6989 and share your requirements. You can even visit the official website of Aditya Birla Health insurance to buy the policy.

Anyone aged above 18 years and is living in India can purchase a critical illness policy offered by Aditya Birla Health Insurance plan.

Yes. You can avail tax benefits under Section 80D of the Income Tax Act, 1961 on the premium paid for health insurance plans offered by Aditya Birla Health Insurance.

To be able to purchase critical illness policy offered by Aditya Birla Health Insurance, you must be aged at least 18 years.

You would require the following documents at the time of claim under critical illness policy offered by Aditya Birla Health Insurance:

• Claim form Part A and Part B duly filled by the insured
• Aditya Birla Health ID card or policy copy
• KYC documents including photo ID, age proof, and address original hospital bill, original discharge card, and final payment receipts
• Diagnostic reports, pharmacy or medical bills as well as the prescription
• Letter from a medical practitioner that specifies the duration, complaints, past history and treatment details
• All previous consultation papers related to current illness.

The pre-existing waiting period for diabetes policy is 3 years.

The premium paid under the plan is eligible for tax benefits under section 80D of the Income Tax Act.

Yes, there is coverage for ambulance expenses under diabetes plan.

For the coverage for diabetes, you can opt for Activ Health Enhanced Plan by Aditya Birla as it not just covers Diabetes ( Type 1 and Type 2) but also other diagnosed ailments like Blood Pressure, Asthma, and Cholesterol.

Yes, Aditya Birla offers a family floater plan in the name of Activ Secure and Active Health Platinum.

Also known as family floater health insurance policy, family health insurance is a single mediclaim policy which extends cover for the entire family under one common sum insured.

No. In such a plan, you have to pay the premium for a single sum insured based on the age of the members in the policy.

Aditya Birla family floater plan provides coverage for self, spouse, parents, in-laws as well as 3 kids.

Aditya Birla family health insurance plan is a perfect purchase for people who want to secure the health of their family members and gain financial stability in medical emergency situations. So, if you want to insure your spouse as well as dependent children, go for Aditya Birla’s family health insurance.

Unfortunately, policyholders are not allowed to make any changes to their Aditya Birla family health insurance sum insured during the policy tenure. The right time to change the amount is the policy renewal time.

Sum insured options up to Rs. 2 crore, lifelong policy renewal, easy claim settlement, cashless facility at 6000+ network hospitals, recovery benefits, health returns, no claim bonus, affordable premium are some of the key advantages of the Aditya Birla family health insurance.

Aditya Birla family health insurance Active Assure Diamond plan provides cover for inpatient hospitalization, pre & post medical expenses, AYUSH inpatient hospitalization, road ambulance cover, second e-opinion, daily allowance, free health check-up, daycare procedures, domestic/international emergency services, and various other expenses.

Yes! Aditya Birla family health insurance policy provides tax benefits under Section 80D of the Income Tax Act, 1961 to the policyholder for the policy premium paid.

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

Aditya Birla Health Insurance plans are available in for 1, 2 or 3 years.

Portability is a feature that enables you to switch from one insurer to another, without making you lose any benefits of your existing policy, such as the waiting period and so on.

The toll-free customer care number of Aditya Birla Health Insurance is 1800-270-7000.

Yes. All Indian residents are eligible to buy the Aditya Birla Coronavirus (COVID-19) Health Insurance Plan, provided they are fit and fine at the time of purchasing the policy. Like other health insurance plans, this plan also comes with an initial waiting period of 30 days after which the policy holder can get the insurance coverage for treatment.

To contact Aditya Birla Health Insurance company you can either call them on 1800-270-7000 (Toll-Free) or email them at care.healthinsurance@adityabirlacapital.com.

A complete body health check-up is required to determine your current health status before buying Aditya Birla Health Insurance. While children below 25 years of age can be covered as dependents under the family floater plan.

To get your payment receipt for Aditya Birla Health Insurance, simply visit the company's website and progress ahead by entering your policy number and date of birth.

The optimum plan varies as per the individual specifications of the customers. Nonetheless, most of the policyholders prefer Activ Assure Diamond Plan for comprehensive coverage that is lined up from routine medical checkups to hospitalization care along with various other incentives.

The waiting period under Aditya Birla Health Insurance Plan for a pre-existing ailment ranges from 1-4 years.

InsuranceDekho suggests the customers with various health Insurance Plans from different insurance companies as per their requirements, and on the basis of the comparison factors, it allows the customer to select the best insurance plan.

To purchase an Aditya Birla Health Insurance Plan customers need to submit their Identity proof and Address Proof.

As per the Insurance Regulatory and Development Authority of India (IRDAI), all the general and health insurance companies offering health insurance plans must sell them online, at least during the coronavirus pandemic. This means that the entire process will take place digitally, starting from filling quotes, to paying health insurance premium. So, it is not necessary to carry a hard copy of your Aditya Birla Health Insurance policy at all times. But if you want to have a hard copy, then you can download the same online and take a print out.

When you buy Aditya Birla Health Insurance policy online, then you generally get your policy document in a digital format as well as receive a hard copy on the address provided. In case you lose the hardcopy of the documents or have misplaced the copy provided by the insurance company, then you can use the digital copy to get a new print out if required.

In case of any trouble, you can either contact the customer care executives at Aditya Birla Health Insurance or at InsuranceDekho. They will help you get the copy within the stipulated time.

Your Aditya Birla Health Insurance policy document may have some errors that you must get changed timely to avoid any inconvenience at the time of claim settlement. These may be change in the nominee, name of the insured, health condition, address, zone, birth, occupation, etc. If you face the issue too, then you must get it corrected, which you can do by contacting the customer care executives at Aditya Birla Health Insurance and sharing your requirements. They will guide you through the entire process and help you in correcting the details as required.

Activ Secure - Personal Accident, Activ Secure - Critical Illness, Activ Secure - Hospital Cash and Activ Secure - Cancer are some of the top individual health insurance plans of Aditya Birla.

Yes, individual health insurance plans provide coverage for pre-hospitalisation and post-hospitalisation expenses.

Aditya Birla ensures many benefits with its individual health insurance. Unique benefits are Health ReturnsTM, Reload of Sum Insured, Chronic Disease Management, Worldwide Emergency Medical Assistance, and Choice of Hospital Room.

Aditya Birla individual health insurance plan is a must purchase for people who want health insurance cover only for themselves or whose family is already secured for health under a good health insurance plan.

No, you cannot! Any change of such type will not be allowed during the policy tenure. Policy renewal time is the ideal time for making any changes to the sum insured as the same is allowed by health insurance companies.

Aditya Birla individual health insurance policy Activ Health Enhanced provides cover for domiciliary hospitalisation, daycare treatment, pre & post-hospitalization expenses, worldwide emergency assistance services, organ donor expenses, second e-opinion, ambulance hospitalisation, chronic management program under which chronic illnesses such as high cholesterol, diabetes, hypertension, asthma are covered, and various other expenses.

Yes! Aditya Birla individual health insurance provides tax benefits to the policyholder under Section 80D of the Income Tax Act, 1961.

The minimum entry age for kids under Aditya Birla Health Insurance is 91 days.

By the age of 25 years, children can be covered as dependents under different plans of Aditya Birla Health Insurance.

Yes, Aditya Birla Health insurance offers an organ donor cover for kids as well.

Aditya Birla kids health insurance plan is a must buy for those who want to secure their children under health insurance against expenses that may incur during a medical emergency situation. If you have dependent children who you want to insure along with yourself, Aditya Birla Activ Enhanced Plan is for you.

No, you cannot! An Aditya Birla policyholder is not allowed to make any change in their sum insured amount of kids health insurance during the policy tenure. The change can be successfully made at the time of policy renewal.

There are multiple advantages of Aditya Birla kids health insurance Activ Health Enhanced. The key ones include sum insured up to Rs. 2 crore, health returns, cashback of annual premium, 100% reload of the sum insured in case of unrelated illnesses and accidents, optional cover for outpatient expenses, maternity, hospital cash benefit and more.

Aditya Birla kids health insurance policy Activ Health Enhanced provides cover for inpatient hospitalization, pre & post-hospitalization expenses, domiciliary hospitalisation, daycare treatment, worldwide emergency assistance services, organ donor expenses, second e-opinion, ambulance hospitalisation, chronic management program and many other expenses.

Yes! Aditya Birla kids health insurance provides tax benefits to the policyholder as per Section 80D of the Income Tax Act, 1961.

It means coverage for the expenses incurred in pregnancy/childbirth whether it is complicated deliveries or caesarean sections.

Yes, there are some health insurance plans that cover first-year vaccinations expenses for your newborn.

Yes, a comprehensive health check-up, which covers various tests is provided by Aditya Birla Health Insurance for your parents.

Yes, Aditya Birla Health Insurance gives several daycare procedures for your parents.

Yes, Aditya Birla Health Insurance offers different plans for senior citizens and family under which your parents can receive the domiciliary hospitalisation cover.

Aditya Birla parents health insurance plan is a must buy for people in their 60s so that they can handle medical expenses in case of an unexpected medical emergency without losing their savings or compromising on the quality of treatment. Take note that while the minimum entry age is 55 years, the maximum entry age is 80 years.

No! If you are not satisfied with the sum insured amount, make sure you request for a change at the time of policy renewal and not during the policy tenure. Remember, the health insurance company does not allow any changes during the policy period.

Sum insured range up to Rs. 25 Lakh, vast coverage, lifelong renewability, cashless facility at network hospitals, hassle-free claim settlement, 50% to 100% sum insured reload allowed once a year, no claim bonus, health and wellness discounts on OPD procedures, Care benefits, optional Care benefits, reasonable premium are some of the key advantages of Aditya Birla parents health insurance.

Aditya Birla parents health insurance policy Activ Care covers inpatient hospitalization, pre & post hospitalisation medical expenses, annual health check-up, 586 daycare procedures, home treatment, domiciliary hospitalisation expenses, OPD treatment cover, organ donor expenses, Ayush related procedures, road ambulance cover, second opinion for major illnesses among many others.

Yes, it does! Aditya Birla parents health insurance offers tax benefits to the policyholder under Section 80D of the Income Tax Act, 1961 for the policy premium payment made.

Aditya Birla Health Insurance offers a host of plans including Activ Assure Diamond, Activ Health Platinum- Enhanced, Activ Health Platinum- Essential, Activ Care, Activ Secure, Group Activ Health, Group Activ Secure, and Activ Secure-Critical Illness.

Aditya Birla Health Insurance coverage differs as per the type of policy chosen by an individual. However, most of the plans generally offer in-patient hospitalization, pre-hospitalization, post-hospitalization expenses, and ambulance cover.

Here are the basic documents required to be presented for portability in Aditya Birla Health Insurance:

• Plan’s proposal form
• Portability form
• Copy of expiring health insurance policy
• Copy of renewal notice

The entry age depends on the terms and conditions of the Aditya Birla Health Insurance.

The policyholders can utilize the option of portability at the time of policy renewal.

You need to inform Aditya Birla Health insurance at least 45 days prior to the date of renewal of the current policy. Also, you need to notify the new insurer by furnishing the completed portability form and proposal form.

Yes, you will surely receive the payment acknowledgment from Aditya Birla Health Insurance for paying the premium.

Yes, Aditya Birla Health Insurance provides you the duplicate copy of the premium receipt.

The ‘premium receipt' shows the amount of premium paid by you for the insurance plan. You can utilize it as the investment proof for getting tax benefits.

You can use the Aditya Birla Health Insurance premium calculator by following the below steps:

• Go to insurancedekho.com and select 'Health' section.
• Complete the details as asked.
• Premiums of suitable plans will be displayed.
  
  

You need to enter some of the basic information like your name, phone number, your geographical location, tenure to buy the plan, members to be insured, and their age.

Primary factors that affect the premium amount of Aditya Birla Health Insurance are your age, body mass index, occupation, and lifestyle( a chain smoker or regular drinker).

For the purpose of comparing Aditya Birla Health Insurance Plan, you can take assistance from our premium calculator. With the help of a premium calculator, you can form a basis of comparison as per the coverage, restoration benefits, PED waiting period, and co-payment clause.

There are numerous advantages of using Aditya Birla Health Insurance premium calculator like smoother financial planning, error-free calculation of the premium amount, a quick comparison between different health insurance plans, and it also lets you customize the coverage as per your requirements.

To calculate premiums of health insurance plans for parents offered by Aditya Birla Health Insurance, you can use InsuranceDekho’s health insurance premium calculator. It is a free tool that lets you ease the complex calculations of premiums of different health insurance plans.

Benefits of using Aditya Birla Health Insurance premium calculator are as follows:

• The tool gives you an estimate of premium to be paid and hence you can plan your financial schedule accordingly
• Saves you from doing the complex calculations by providing quotes instantly
• The tool lets you customise your health insurance plans
• Shortlists the most suitable health insurance plans for you.

Yes. When buying Aditya Birla Health Insurance plans, you will be required to pay GST at the rate of 18%.

To lower your health insurance premiums for Aditya Birla Health Insurance plans, you must follow the tips given below:

• Purchase health insurance plans on a family floater basis instead of an individual basis
• Purchase top-up plans as they offer extra coverage and come at affordable premiums too
• You can choose health insurance plans with co-payment option as it will require you to pay less health insurance premium
• Choose add-on wisely and go for the ones you actually require

There are several factors that affect the health insurance premium of Aditya Birla Health Insurance plans. Some of these are age, sum insured, policy term, pre-existing illnesses, lifestyle habits, etc.

When buying a senior citizen health insurance plan, pay special attention to all features that meet their specified needs. Choose a plan that provides specific features like dialysis, chemotherapy, organ donation. Check benefits under the room rent limit for several treatments, daycare, and ambulance expenditures, all that covered under the policy, the sum assured options, waiting period, and premium.

Senior citizen health plans are for the people of over 60-years. These plans are the option for retired individuals.

Yes, you can buy health insurance online. Aditya Birla is committed to offering the best possible online services to policyholders.

For people aged over 65 years, the best Aditya Birla Health Insurance Plan is Activ Care.

Aditya Birla senior citizen health insurance plan is an excellent plan for the elderly who want to gain coverage against sky-rocketing medical expenses at the time of an unexpected medical emergency. If you fall in the age range of 55 years up to 80 years, Aditya Birla senior citizen health insurance policy Activ Care is ideal for you.

No! Health insurance companies, including Aditya Birla do not allow any changes in the sum insured during the policy tenure. Therefore, if you want to get your sum insured increased or decreased, it would be best to wait for the policy renewal time.

Some of the prime advantages of Aditya Birla senior citizen health insurance Activ Care are sum insured up to Rs. 25 Lakh, 50% to 100% sum insured reload allowed once a year, lifelong renewability, cashless facility at network hospitals, easy claim settlement, no claim bonus, health and wellness discounts on OPD procedures, affordable premium and many more.

Aditya Birla senior citizen health insurance policy Activ Care covers inpatient hospitalization, pre & post hospitalisation medical expenses, OPD treatment cover, annual health check-up, 586 daycare procedures, domiciliary hospitalisation expenses, organ donor expenses, Ayush related procedures, Domestic and International emergency assistance services, second opinion for major illnesses, etc.

Yes! Aditya Birla senior citizen health insurance provides tax benefits to the policyholder under Section 80D of the Income Tax Act, 1961.

Yes, women can get tax benefits on the premium paid for Aditya Birla Health Insurance plans under Section 80D of the Income Tax Act, 1961.

Yes, women are provided with the health check-up program by Aditya Birla Health Insurance.

Yes, Aditya Birla Health Insurance provides Easy Health Returns up to 30% of your premium for staying healthy and fit.