Aditya Birla Health Insurance Plans

The main features of Aditya Birla Health Insurance are highlighted in the table below:[1]

To meet the demands and needs of different people, Aditya Birla Health offers a range of health insurance plans, such as the following:[1]

• Family Health Insurance Plans: Aditya Birla Health offers family health insurance plans that include all of your family's medical costs into one making it an all-inclusive plan. This covers you, your spouse, and your kids in addition to your dependent parents. Aditya Birla Health offers family health insurance that covers the medical needs of your whole family without requiring you to purchase several plans.
• Individual Health Insurance: Individual health insurance plans are offered by Aditya Birla Health based on each person's specific medical needs. Medical costs resulting from disease, accidents, hospital stays, and other health-related problems are covered under these plans. Additionally, individual plans provide tailored coverage according to the policyholder's age, health history, and other specifications.
• Senior Citizens Health Insurance: These insurance, as their name implies, are specifically created for those who are sixty years of age or older. These plans cover a range of healthcare needs, such as pre-existing medical diseases, chronic illnesses, and age-related issues, tailored to the specific needs of senior individuals.
• Group Health Insurance: Aditya Birla Health Insurance provides insurance to a variety of people, including members of the community, workers at a firm, and members of organisations. All group members are fully covered by these plans at a much-reduced cost as compared to individual plan premiums. Moreover, employer-sponsored health insurance sometimes includes refunds and other perks.
• Maternity Health Insurance: Maternity health insurance policies cover a variety of costs, including prenatal care, delivery, postpartum care, and infant care. These plans can also pay for doctor visits, hospital stays, diagnostic testing, and birth control pill costs.
• Plans for Critical Illness Health Insurance: Financial protection against serious medical disorders such as cancer, heart attacks, and other life-threatening illnesses is provided by these policies. If it is determined that the policyholder has the covered critical illness, the insurance will pay a lump amount to cover treatment-related medical expenses.
• Coverage for the Out-Patient Department (OPD): Aditya Birla Health offers a unique kind of health insurance plan called OPD coverage. Payment for non-hospitalized outpatient medical treatments, consultations, diagnostic tests, prescription drugs, and procedures is covered by the Out-Patient Department. It provides comprehensive medical coverage for both in and out-patient treatments.
• Plans for Top-Up Health Insurance: Beyond the limits of your current insurance, these policies provide further coverage. The top-up plans offered by Aditya Birla Health kick in when your primary medical policy's coverage is exceeded by medical bills. With these plans, you may affordably expand the coverage of your health insurance without seeing a major rise in prices.
• Health Insurance for Women: Aditya Birla Health offers health insurance plans specially designed to meet the particular medical requirements of women. Under this insurance, gynaecological procedures are covered, as are disorders particular to women and pregnancy. Additional benefits like health activities and preventative exams could be included in these plans.

The table below offers an overview of every Aditya Birla Health Insurance plan:[1]

The following are the specifics of each of the previously mentioned plans:

1. Activ Assure Diamond

Aditya Birla's Activ Assure Diamond Plan is a health insurance plan that provides extensive coverage for medical costs. High coverage levels are provided for hospital stays, pre- and post-hospital care, childcare services, etc. In addition, the plan pays for daily hospital stay cash benefits, organ donation, ambulance expenses, and much more.

In addition, policyholders receive savings for maintaining good health and fitness as well as access to wellness programs and health examinations. This plan will ensure you have money in case of a medical emergency, so you can concentrate on getting better instead of worrying about paying bills. [2]

2. Activ Fit

Aditya Birla Health Insurance's Activ Fit Plan is designed to satisfy the medical needs of a fit individual. It covers the price of being admitted to the hospital, pre- and post-hospital care, childcare charges, etc. The program incentivizes policyholders to lead active lifestyles and to stay in good health. You may accrue this benefit by tracking your physical activity, such as walking or working out, and utilising it to cover costs or premiums.

Furthermore, this plan provides wellness benefits including professional guidance on diet and exercise, health examinations, mental health assistance, and coverage for complementary and alternative therapies like AYUSH. This plan offers a discount in addition to financial help for leading a healthy lifestyle.[3]

3. Activ Health Platinum

Aditya Birla's Activ Health Platinum Plan offers comprehensive medical coverage for inpatient stays, outpatient procedures, physician visits, and domiciliary care. Providing HealthReturns incentives for maintaining an active lifestyle, which may be used for future premiums or medical costs, encourages people to lead healthy lives.

Coverage for alternative therapies, childcare services, and customised programs for managing long-term health issues like diabetes and asthma are all included in the plan. Aditya Birla Health Insurance subscribers also receive cashless treatments at the extensive network of network hospitals, wellness coaching, and a no-claim incentive. [4]

4. Activ One

A comprehensive health insurance program created to promote and incentivize a healthy lifestyle is Aditya Birla Health Insurance's Activ One Plan. Beyond what is typically covered by insurance, it also covers hospital stays and medical costs for diseases. Health coaches are available to provide guidance, as well as wellness perks like free health exams and fitness evaluations. A fitness app may be used to measure your daily physical activity and earn you HealthReturns, a kind of reward point that can be applied toward future premiums or medical costs. By providing rewards like premium savings or extra coverage for maintaining your fitness, this plan encourages you to be active and healthy. [5]

5. Corona Kavach Policy

A health insurance plan called the Corona Kavach Policy is made expressly to pay for COVID-19 treatment-related costs. It offers financial support to offset hospitalisation expenses associated with the coronavirus, such as lodging expenditures, intensive care unit fees, physician bills, and diagnostic testing. In addition, the plan pays for up to 30 days of post-hospitalisation expenditures and 15 days of pre-hospitalisation costs if a doctor prescribes at-home therapy. The cost of PPE kits, gloves, masks, and other essential protective equipment is also covered by the plan. Policyholders have a broad range of premium payment choices and coverage options between Rs. 50,000 and Rs. 5 lakh.

Both individuals and families can purchase the plan, which guarantees comprehensive coverage for every member. The goal of the Aditya Birla Corona Kavach Plan is to offer robust health coverage and financial relief during the pandemic.[6]

6. Cancer Secure

Aditya Birla Health Insurance's cancer secure plan is designed specifically to pay for the expenses related to cancer treatment. This plan offers a lump sum payout in the event of a cancer diagnosis, which you may use to cover any associated medical costs. Whether you are diagnosed with an early, significant, or critical stage of cancer will determine how much money you are eligible to receive. This implies that you receive financial assistance for therapy, recuperation, and other necessities from the moment of diagnosis.

Additionally, if you are diagnosed with a significant or critical stage of cancer, the plan gives a premium waiver benefit that exempts you from paying future premiums. You will also have greater protection over time thanks to a provision that allows you to raise the amount of coverage each year if no claims are filed. The main goal of the Cancer Secure Plan is to lessen the financial burden associated with cancer so that you may concentrate on your health rather than your medical bills.[7]

7. Activ Secure

In essence, Aditya Birla's Activ Secure plan is an insurance policy created to offer complete coverage for a range of life events. It provides insurance against serious diseases, mishaps, and hospital costs. Put another way, it serves as a financial safety net in the event of major medical problems or accidents. For example, the plan pays a lump sum amount to cover medical bills and other expenditures during recuperation if you are diagnosed with a serious disease such as cancer, or if you have an accident and suffer a catastrophic injury. It's similar to having a fallback strategy that guarantees you won't have to worry about money should things become hard.

Additionally, advantages like a daily hospital cash allowance or outpatient spending coverage may be offered, contingent upon the particular plan selected. The overall goal of the Activ Secure plan is to provide financial help in the event of unanticipated medical issues or accidents, hence providing peace of mind.[8]

8. Super Health Plus Top-Up Policy

Aditya Birla offers the Super Health Plus Top-Up Policy, an extra health insurance plan that is meant to supplement your current coverage. When your medical costs surpass a certain amount, called the deductible, this coverage becomes active. It assists with paying for high hospital bills and other medical expenses without appreciably raising your premium. High coverage levels and a variety of benefits are provided by the plan, such as daycare services, cashless hospitalisation at network hospitals, and post-waiting period coverage for pre-existing conditions. Wellness perks including health examinations and savings on medical services are also included. In essence, it offers an additional degree of financial security against significant medical bills, ensuring that you won't have to worry about paying a large amount out of pocket during serious medical emergencies. [9]

9. Activ Health

Aditya Birla's Activ Health Plan emphasizes wellness and preventative treatment, making health insurance easier to understand. It provides all-inclusive coverage that covers outpatient care, diagnostics, and wellness initiatives in addition to inpatient costs. Through its HealthReturns program, which awards policyholders with points for leading active lives, the plan promotes healthy living. Afterwards, you may utilize these points to save money on health-related bills or renewal charges. Numerous other advantages are also offered by Activ Health, including coverage for mental health, childcare services, and complementary and alternative medicine like homoeopathy and Ayurveda. With alternatives for family coverage, lifetime renewability, and multiple sum-insured options to meet diverse requirements, it gives flexibility.

The plan is unique in that it offers a no-claim bonus that, after a year of no claims, raises the total insured amount at no extra expense. Activ Health's overall goal is to encourage proactive healthcare through rewards for healthy behaviors and extensive coverage alternatives, rather than merely paying for medical bills.[10]

10. Aarogya Sanjeevani Policy

Aditya Birla Health Insurance offers a basic health insurance policy called the Aarogya Sanjeevani Plan that covers medical expenditures. It provides hospital coverage for illness or accident-related expenses, with a maximum insured amount of Rs. 1 lakh to Rs. 5 lakhs. For people and families seeking basic health coverage without a lot of fine print, this plan is perfect. It covers expenditures for things like lodging, ICU fees, doctor visits, surgery, and up to 30 and 60 days of post-hospitalisation expenses, respectively. Daycare operations that don't require round-the-clock hospitalisation are also covered by the coverage. Its capacity to include parents and cover the complete family under one insurance is a special advantage. For individuals looking for basic health insurance against unforeseen medical bills, it's an economical option that offers peace of mind without the complexity of more expensive health plans.[11]

You have to fulfill several conditions to be eligible to purchase a health insurance plan from Aditya Birla Health.

1. Age Requirements

• The adult’s age requirement is 18 years or older.
• The age of a child varies according to the plan given by Aditya Birla Health Insurance to be eligible for health care under a family floater insurance, which covers several family members under a single plan.

2. Waiting Period

• There is a 30-day waiting period to begin using the coverage. This waiting period, however, does not apply in the case of an unforeseen emergency.
• Maternity waiting periods range from 2- 6 years.
• Patients with pre-existing conditions also have 36 months.

3. Additional Conditions

• There is a wide range of insured amounts available, ranging from 1 lakh to 20 crore.
• OPD and COVID coverage are only two more extra benefits offered by Aditya Birla Health Insurance plans.
• Aditya Birla Health has ensured that each customer's health insurance plan is customized to match their specific needs.

Depending on what works best for you, you may buy the Aditya Birla health insurance plan online or offline. The following provides these two strategies' specifics:

Online Process

You can visit the InsuranceDekho website or the insurer's website to purchase the Aditya Birla Health Insurance plan online:

Use InsuranceDekho To Purchase Medical Insurance

To acquire your health insurance coverage on the official InsuranceDekho website, take the following actions:[12]

Step 1: Fill out the InsuranceDekho website with your information.

First, fill out this form with your name and phone number on the InsuranceDekho health insurance website.

Step 2: Select the Best Plan

Next, from the list of options, choose the best Aditya Birla Health insurance plan. Make sure the items you select fit your needs and are within your limits.

Step 3: Coverage Payment

Next, complete two forms with your details and respond to a few health-related questions. Along with paying the money, you'll also need to provide a few papers.

Step 4: After Payment, Get Assistance

An InsuranceDekho manager will get in touch with you once you've paid the premium for the Aditya Birla Health insurance of your choosing to assist with any policy issues.

Get a Health Insurance Policy on the Provider's Website

The quickest and easiest ways to get Aditya Birla health insurance directly from the insurer's website are as follows:[1]

Step 1: Visit the insurer's website

To start the application process and submit the necessary information, visit the official Aditya Birla Health Insurance website.

Step 2: Execute the Prior Actions.

You only need to follow the instructions in the "Purchase Health Insurance With InsuranceDekho" section, starting with Step 2, to complete the process of obtaining your coverage on the official Aditya Birla Insurance website.

Offline Process

Take the following steps to get personalized help from the InsuranceDekho relationship manager when buying your Aditya Birla health insurance policy:[12]

Step 1: Fill the Website with Content

Fill out the necessary information at www.insurancedekho.com, including your phone number, pin code, and age.

Step 2: Comparing the Available Plans

You will receive a list of the best Aditya Birla health insurance policies after submitting your information.

Step 3: Ask for a Callback

You may edit your query and request a callback on the plan page if you require any more assistance. If you need further help, a personalised support visit from an InsuranceDekho relationship manager can be scheduled.

The following paperwork is required to purchase Aditya Birla's Health Insurance:

• A filled-out and signed Proposal Form
• Proof of age, like 10th or 12th Mark Sheet, Voter Card, Passport, PAN Card, Driving Licence
• Proof of where you live, such as an Aadhaar card, Passport, Driving License, Electricity Bill or Voter Card
• Any medical reports the insurance company needs
• Passport-size photos

The table below highlights the differences between two different variants of the Activ Health Plan: [4][10]

Note: The variants might differ from one Aditya Birla health insurance plan to another. The table above is crafted by comparing the variants of the most popular Aditya Birla Health plan i.e. Aditya Birla Health Plan.

Here's how to quickly upgrade your plan with InsuranceDekho if you want to increase the coverage provided by Aditya Birla Health Insurance:[12]

• At the Time of Renewal

When it's time to renew your health insurance policy, you have a fantastic chance to increase your coverage. Aditya Birla's medical insurance coverage may be enhanced in two ways with InsuranceDekho: by adding additional riders or by raising the maximum amount insured. You are welcome to evaluate your existing coverage and talk with us about any adjustments that will better meet your current medical needs throughout the renewal process.

• In Between

To make changes to your Aditya Birla health insurance plan, you don't need to wait until it's time for your policy to renew. Speak with the InsuranceDekho customer support team to learn about your possibilities for an upgrade if your healthcare needs change or if you discover that your current coverage is inadequate.

• Portability Benefits

If you're thinking about moving to Aditya Birla Health Insurance from another health insurance company, you may use InsuranceDekho's portability option to increase the scope of your coverage. With the use of this provision, policyholders can transfer their current health insurance policy to a new plan while keeping some advantages, such as waiting period credit and coverage continuity.

[1]https://www.adityabirlacapital.com/abcd/health-insurance?ref=abc-homepage

[2]https://www.adityabirlacapital.com/healthinsurance/assets/PDF/20180122T182300.pdf

[3]https://www.adityabirlacapital.com/-/media/abcd/data/media/files/pdf/1-activ-fit/activ-fit-brochure.pdf

[4]https://www.adityabirlacapital.com/healthinsurance/assets/PDF/20180803T093555.pdf

[5]https://www.adityabirlacapital.com/healthinsurance/assets/pdf/active-one/brochure.pdf

[6]https://www.adityabirlacapital.com/healthinsurance/assets/pdf/20210916T071904.pdf

[7]https://www.adityabirlacapital.com/healthinsurance/assets/PDF/20200724T114213.pdf

[8]https://www.adityabirlacapital.com/healthinsurance/assets/PDF/20200724T114256.pdf

[9]https://www.adityabirlacapital.com/healthinsurance/assets/PDF/20201021T132126.pdf

[10]https://www.adityabirlacapital.com/healthinsurance/assets/pdf/Activ-Health-Brochure.pdf

[11]https://www.adityabirlacapital.com/healthinsurance/assets/PDF/20200724T115314.pdf

[12]https://www.insurancedekho.com/health-insurance