Aditya Birla Health Insurance CO. Limited is a non-govt company founded on April 22, 2015. It is a publicly traded, unlisted company classified as a "company limited by shares." Aditya Birla Health is a collaboration of the Aditya Birla Group and MMI Holding Ltd. This collaboration between India's third largest private sector conglomerate and one of South Africa's largest insurance companies with a 122-year legacy is poised to help individuals and families live healthier and happier lives. ABHICL is a catalyst for expanding India's prevalent health insurance landscape through product innovations and a broader range of consumer-relevant products.
Aditya Birla Medical Insurance has received numerous honours. So, consider the following recognitions:
- Several prestigious awards have been bestowed upon the #JumpForHealth campaign, including the E4M Indian Digital Marketing Awards and the E4M Indian Content Marketing Awards in 2018-19.
- The company won Silver for Marketing Strategy at Maddie Awards 2020 with the campaign #HealthfromHome.
- Birla Health Insurance won Bronze for enabling technology at Maddie Awards 2020. The name of the campaign was “Activcare.”
Aditya Birla Health Insurance Overview
Aditya Birla Health insurance company offers a variety of health-related products, which have many features. The following are the key specifications of the company:
| Particular | Specifications |
|---|---|
| Network Hospitals | 10051+ |
| Incurred Claim Ratio (2020-21) | 69.56 |
| Claim Settlement Ratio (less than three months) (2021-22) | 99.41 |
| Solvency Ratio (2021-22) | 1.73 |
| Gross Direct Premium (2021-22) | 1726.67 Crores |
*Data was obtained from the IRDAI 2021-22 annual report.
Features of Aditya Birla Health Insurance
Every insurance company has certain distinctive features that ensure a simple process and a hassle-free claim procedure.
Claim Settlement Ratio
The health insurance claim settlement ratio (CSR) represents the ratio of settled claims to total claims filed in a given fiscal year. CSR is a reliable parameter for assessing an insurance provider's ability to settle claims. With 99.41, the CSR of Aditya Birla Health Insurance is trustworthy.
Network Hospitals
Aditya Birla medical Insurance company has a good network of hospitals that ensures an easy claim settlement process. The current status of the network hospital is 10051+.
Solvency Ratio
The solvency ratio demonstrates an insurance company's ability to meet its long-term financial obligations. Aditya Birla Health Insurance company has a solvency ratio of 1.73, which is higher than the mandatory 1.50.
Market Share
A company's market share is the total number of policies sold and premiums collected in a given year. It is important to consider when looking at a company’s profile.
Health Insurance Plans Offered By Aditya Birla Health insurance
Aditya Birla Health Insurance provides various insurance products. So, let's look at all the designs divided into three groups.
Individual and Family Health Insurance Plan
 |
Aditya Birla Activ Health Platinum |
Coverage Benefits
- Day Care Treatment
- AYUSH Benefits
- Domiciliary Treatments
Eligibility Criteria
Entry Age: 91 Days - No Upper Limit
Sum Insured: 50K - 2 Crores
|
Aditya Birla Activ Assure Diamond |
Coverage Benefits
- ICU Expenses
- Domiciliary Treatments
- Hospital Cash Benefits
Eligibility Criteria
Entry Age: 91 Days - No Upper Limit
Sum Insured: 2 Lakhs - 2 Crores
|
Aditya Birla Arogya Sanjeevani |
Coverage Benefits
- Day Care Treatment
- AYUSH Treatment
- Cataract Treatment
Eligibility Criteria
Entry Age: 91 Days - 65 Years
Sum Insured: 1 Lakh- 5 Lakhs
Senior Citizen Health Insurance Plan
|
Aditya Birla Activ Care Classic |
Coverage Benefits
- ICU Expenses
- AYUSH Benefits
- Domiciliary Treatments
Eligibility Criteria
Entry Age: 55 Years - 80 Years
Sum Insured: 3 Lakhs - 25 Lakhs
|
Aditya Birla Activ Assure Diamond + Super Health Topup |
Coverage Benefits
- Day Care Treatment
- AYUSH Benefits
- Domiciliary Treatments
Eligibility Criteria
Entry Age: 5 Years - 65 Years
Sum Insured: 3 Lakhs - 95 Lakhs
|
Aditya Birla Activ Platinum Essential |
Coverage Benefits
- AYUSH Treameny
- Domiciliary Treatments
- Annual Health Checkup
Eligibility Criteria
Entry Age: 91 Days - No Upper Limit
Sum Insured: 2 Lakhs - 2 Crores
Critical Illness Health Insurance Plan
|
Aditya Birla Activ Secure Critcal Illness Plan 1 |
Coverage Benefits
- Kidney Failure
- Cancer treatment
- Heart Attack
Eligibility Criteria
Entry Age: 5 Years - 65 Years
Sum Insured: 1 Lakh - 1 Crore
|
Aditya Birla Activ Secure Critcal Illness Plan 2 |
Coverage Benefits
- Kidney Failure
- 50 Critical Illness Covered
- Heart Attack
Eligibility Criteria
Entry Age: 5 Years - 65 Years
Sum Insured: 1 Lakh - 1 Crore
|
Aditya Birla Activ Secure Critcal Illness Plan 3 |
Coverage Benefits
- Kidney Failure
- 64 Critical Illness Covered
- Heart Attack
Eligibility Criteria
Entry Age: 18 Years - 65 Years
Sum Insured: 5 Lakhs - 1 Crore
|
Aditya Birla Activ Platinum Essential |
Coverage Benefits
- AYUSH Treameny
- Domiciliary Treatments
- Annual Health Checkup
Eligibility Criteria
Entry Age: 91 Days - No Upper Limit
Sum Insured: 2 Lakhs - 2 Crores
|
Aditya Birla Cancer Secure |
Coverage Benefits
- Early Stage Cancer
- Major Stage Cancer
- Advanced Stage Cancer
Eligibility Criteria
Entry Age: 18 Years - 65 Years
Sum Insured: 5 Lakhs - 1 Crores
|
Aditya Birla Activ Secure Personal Accident |
Coverage Benefits
- Emergency Road Ambulance
- Accidental Death Cover
- No Claim Bonus
Eligibility Criteria
Entry Age: 5 Years - 65 Years
Sum Insured: 1 Lakh - 20 Crores
Aditya Birla Health Insurance Benefits
Health insurance is a must buy policy these days. As we succumb to deeper health problems, health insurance is an escape from heavy medical bills and gives us the confidence to live our lives without overthinking about the same.
Health Returns
Aditya Birla medical Insurance company rewards healthy choices by giving up to 30% premium by maintaining good health. The rewards earned from Health Returns can be used to cover unexpected expenses.
Chronic Management Program
Diabetes, heart disease, lung disease, and other chronic health issues are covered under this programme. In the event of a chronic condition, day one coverage can be provided. If a policyholder develops a chronic health disease under the terms of their current policy, the policy is upgraded to the chronic management programme.
Trusted Care Managers
Your Care Manager will assist you in completing and submitting the necessary paperwork. Concentrate on your loved ones while your Care Manager works with the hospital to ensure a smooth and timely discharge.
Wellness Coaching
Wellness Coaching is a one-of-a-kind programme provided by Aditya Birla Health Insurance that assigns you a health and lifestyle expert to assist you in developing good habits and eliminating bad ones.
Aditya Birla Health Insurance Exclusions
Here are some of the significant exclusions under Birla health insurance:
- If you have a disease when you purchase the policy, it will be considered a pre-existing condition. Specific health insurance policies exclude pre-existing conditions.
- Cosmetic treatment expenses are one of the most common health insurance exclusions.
- Aditya Birla Health insurance policies do not cover injuries if the policyholder intentionally harms himself. This includes any injuries sustained as a result of self-harm or suicide attempts.
- Sexually transmitted diseases
- Mental illnesses or diseases
Network Hospitals
Aditya Birla Health Insurance Buying Process
Aditya Birla Health Insurance has a simple buying process. Let us first look at how to purchase Aditya Birla Health Insurance online.
Buy from "RenewBuy"
- Visit the official site of "RenewBuy".
- Select the "Health Insurance Plan" tab.
- Choose the desired health insurance policy.
- Fill in all the required details.
- Click on the "Buy Now" button.
- Proceed with the payment.
Buy From the Official Website of Aditya Birla Health Insurance
- On the official website, you can browse and compare all available options based on your premium, coverage type, etc.
- After you have narrowed down your options, you must choose the best health insurance plan.
- When applying for health insurance online, you must provide identification information and proof of identity. This is a critical step that should be approached with caution.
- Examine the policy for exclusions and riders. Take down important information such as the premium, total coverage, waiting period, claim settlement process, etc.
- After you've chosen your plan and the amount covered, you can pay using one of the numerous online payment methods.
Why Buy Aditya Birla Health Policies From RenewBuy?
RenewBuy offers the most competitive Birla Insurance plans on the market. The following are the main reasons why you should consider us:
- IRDAI Certified
- Get Insured by top insurers
- Lower Premiums
- Compare Various Health plans online
- Simple & Easy Buying Procedure
- 24x7 Claim Assistance
Aditya Birla Health Insurance Renewal Process
Renewal of health insurance is quick and easy with Aditya Birla Health Insurance. Insureds can either follow the procedures listed below or contact our partners for assistance with renewing their Aditya Birla health insurance.
- Visit the official website of "Aditya Birla Health Insurance".
- Click on the “Renewal” tab.
- Enter your current health insurance information, including your birthdate and policy number.
- Click on the ‘Renew' tab.
- You can renew your coverage and pay your Aditya Birla health insurance premiums online.
Aditya Birla Health Insurance Claim Process
The claim procedure is simple and hassle-free. We have the entire process available for you to make things easier.
Cashless Claim: Your medical insurance provider will pay the hospital directly for your medical expenses if you are admitted to one of its networked hospitals. Follow these steps to settle cashless claims under Aditya Birla health insurance plans:
- Find the closest networked hospital.
- Verify the identity of the insured by providing the health card or any other legitimate ID proof.
- Complete the Pre-Authorization Claim Form, then send it.
- Process and settle your claims.
Reimbursement Claim: The Aditya Birla health insurance plans' reimbursement claim procedure is easy and straightforward, and it goes as follows:
- Notify the company 48 hours after an unplanned or three days before an emergency hospitalisation
- Submit all necessary paperwork
- Process and receive payment for your health insurance claim.
Aditya Birla Network Hospitals in top cities
Delhi
Gurgoan
Mumbai
Bangalore
Chennai
Hyderabad
Pune
Kolkata
Ahmedabad
Chandigarh
Documents Required for the Claim
Unexpected medical emergencies only have medical insurance plans as a cost-effective solution to handle them. However, you can only get help for such emergencies if you submit a reimbursement claim or visit a nearby network hospital.
In health insurance plans, the following paperwork is needed to submit a claim:
- Claim Form
- Medical Investigation Report
- Discharge Card
- Copies of Health Insurance Plans
- Doctor’s bill
- Any other for required by TPA
Aditya Birla Health Insurance Contact Details
Please use the contact information provided below to get in touch with Aditya Birla Health Insurance if you have any questions or concerns about your coverage:
Email ID: care.healthinsurance@adityabirlacapital.com
Contact Number: 1800-270-7000
Disclaimer:
The details, facts, or figures given here are intended solely for the reader's informational purposes and should not be relied upon for personal, medical, legal, or financial decisions. Please visit the insurer's website for the latest updates. We do not endorse any particular insurance company or insurance product provided by any insurer.
