Aditya Birla Health Insurance: Overview
Buy Aditya Birla Health Insurance policies to safeguard your savings from unforeseen medical expenses. Choose from plans with medical coverage of up to Rs. 2 crore and avail cashless treatment across 10,000+ network hospitals.
Aditya Birla Health Insurance offers a range of health insurance policies on Bajaj Finance Insurance Mall with annual premiums starting at Rs. 5,196*. With an average claim settlement ratio of 94% (as of 2022), Aditya Birla Health Insurance offers a variety of health-related services through its insurance plans, such as daycare treatment coverage, pre- and post-hospitalisation coverage, wellness benefits, and more. It has a nationwide distribution presence in 2,300+ cities through 14,000+ branches and 38+ digital partners. Overall, it covers over 10 million customers. Visit the official website of Aditya Birla Health Insurance : Click Here
Key features of Aditya Birla Health Insurance
Here’s a quick look at the features of Aditya Birla Health Insurance.
Features |
Specifications |
Premiums starts |
Rs. 5,196* (annual) |
Claim settlement ratio |
94% (as of 2022) |
Medical coverage |
Up to Rs. 2 crore |
Hospitalisation coverage |
Daycare treatment, pre-and post-hospitalisation |
Cashless network hospitals |
10,000+ |
Customers |
10 million+ |
Branches |
14,000+ |
City coverage |
2,300+ |
Digital partners |
38+ |
Key benefits of Aditya Birla Health Insurance
Here are the key benefits offered by Aditya Birla Health Insurance policies.
Covers modern treatment methods
You get coverage for robotic surgeries, oral chemotherapy, balloon sinuplasty, and other new-age treatments.
Covers daycare procedures
You get coverage for around 586 daycare procedures, which require less than 24 hours of hospitalisation.
Offers wellness coaching
You can seek wellness and nutrition advice from expert health coaches.
Offers health returns benefit
Aditya Birla Health Insurance offers 30% of health return benefits on health policy premiums. You get the benefit credited as digital cash on the Activ health app. Avail of this benefit to pay for renewal premiums, medicines, or diagnostic tests.
Offers sum reinstatement benefit
This benefit helps you restore your sum insured on the policy by 150%. Avail this benefit if you have exhausted the original sum insured on the policy.
Lifetime renewability
You can renew your Aditya Birla Health Insurance policy at any stage of your life. There is no age limit for health insurance renewal.
Why choose a policy from Aditya Birla Health Insurance?
Aditya Birla Health Insurance policies come with modern features that cater to the present medical needs. Besides this, you get the following benefits:
- A dedicated customer support team assists you during any grievances or claim settlement process. The team also resolves your queries.
- Offers a range of health insurance policies for you and your loved ones at affordable premiums. You also get super top-up health plans to enhance your regular health insurance policy.
- Aditya Birla Health Insurance has a 94% claim settlement ratio in health insurance as of 2022. A good claim settlement ratio indicates the insurance company’s efficiency to resolve claims per year.
- Through its Activ health app, maintain and monitor your health records on your mobile or tab. Buy and renew your health insurance policy on the app itself.
What does Aditya Birla Health Insurance cover?
Here are some key inclusions of Aditya Birla Health Insurance policies.
Covers pre-and post-hospitalisation expenses
Get coverage for pre-and post-hospitalisation expenses incurred 30 days before and 90 days after hospitalisation.
Covers chronic illnesses
Aditya Birla’s Group Activ Health plan covers asthma, blood pressure, cholesterol, and diabetes.
Covers organ donor’s expenses
Get coverage for the organ donor’s in-patient hospitalisation expenses in case of any organ transplant procedure.
Covers road ambulance charges
You get compensation for road ambulance cost up to Rs. 2,500.
Covers modern and AYUSH treatment expenses
Get coverage for ayurveda, yoga, unani, siddha, and homoeopathy treatments. Also, get coverage for new-age treatments like robotic surgeries, oral chemotherapy, and more.
What does Aditya Birla Health Insurance not cover?
Here are some key exclusions in Aditya Birla Health Insurance policies.
- Any injuries suffered in the act of war, terrorism, or invasion.
- Any self-inflicted injuries or attempted suicide.
- Treatment expenses due to abuse of intoxicants or hallucinogenic substances like drugs or alcohol.
- Cosmetic, aesthetic, and re-shaping treatments and surgeries.
- Expenses of hearing aids, spectacles, or contact lenses.
Also read: Family Health Insurance
Step-by-step guide to buy Aditya Birla Health Insurance plans
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Step 1
Click here to open our online application form.
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Step 2
Fill in the application form with basic details such as name, gender, mobile number, date of birth, and residential PIN code for you or the person you want to insure.
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Step 3
Now click on ‘Get Quote’ to proceed.
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Step 4
From the list of policies shown, choose your preferred Aditya Birla Health Insurance plan by clicking the ‘Buy Now’ button placed under each plan. You can further modify the insured amount, policy term, and plan-type to get a list of policies tailored to your preference.
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Step 5
Based on the plan you choose, you may get the option to select the policy term and premium amount.
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Step 6
Enter your email ID and check if all personal details shown are correct. Click ‘Next’ to proceed.
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Step 7
Enter some additional details, such as height, weight, nationality, marital status, address, and nominee details (if applicable).
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Step 8
Answer a few questions about your health and lifestyle by clicking the relevant checkboxes. Click on the ‘Next’ button to proceed.
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Step 9
Verify if the previously filled details are correct and click on the ‘Proceed’ button to visit the payment page.
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Step 10
Make the payment through net banking, UPI, debit or credit card to buy the policy.
After successful payment, your policy document will be available for you to download instantly. A copy of the policy document will also be mailed to your registered email ID within 5-7 working days.
You will also receive an SMS confirmation immediately after the payment process is completed.
You can also access your policy details through the My Account section within 5-7 days after purchase.
Step-by-step guide to buy Pocket Insurance plans
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Step 1
Choose your preferred plan by visiting our Pocket Insurance product list and clicking on the ‘Buy Now’ button.
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Step 2
Enter your full name and mobile number registered with us and press the ‘Submit’ button.
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Step 3
Enter the One Time Password (OTP) received on your registered mobile number for verification.
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Step 4
If your mobile number matches our records, your details on the form will be pre-filled. All you need to do is to check if the details are correct.
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Step 5
At this point, the payment page will open. Complete the online payment via one of the following options:
UPI, net banking, credit/debit cards, or payment wallets. -
Step 6
After the payment is successful, you can download the policy receipt instantly.
You can also download the policy document from 'My Account' (our customer portal) after 5 to 7 working days from the date of purchase of the policy.
Documents required to buy a policy
No documents are required to buy Aditya Birla Health Insurance policies on Bajaj Finance Insurance Mall. Just enter the following information to apply.
- Date of birth of the applicant as per the PAN card
- A valid 10-digit mobile number
- Residential PIN code of the applicant
How to raise a cashless claim
Follow these steps to raise claim requests for cashless hospitalisation with Aditya Birla Health Insurance.
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Step 1 - Contact the insurer
Reach out to the insurer within 48 hours of emergency hospitalisation and 3 days before planned hospitalisation.
• Toll-free: 1800-270-7000
• E-mail at : care.healthinsurance@adityabirlacapital.com -
Step 2 - Locate a network hospital near you
You can get cashless treatment at 10,000+ Aditya Birla Health Insurance network hospitals across India. Click here to locate a hospital near you.
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Step 3 - Verify patient’s identity
Share the patient’s policy number or the Aditya Birla Health Card along with a valid identity proof (PAN, voter ID, passport) at the hospital reception.
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Step 4 - Submit the pre-authorisation form
Fill and submit the pre-authorisation form available at the hospital desk. You can also download the form online and fill it beforehand.
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Step 5 - Claim settlement
The insurer will review and verify the documents and process the claim per the policy terms and conditions. The bills will be settled between the insurer and the hospital.
How to raise a reimbursement claim
To reimburse your hospital and medical expenses with Aditya Birla Health Insurance, follow these steps.
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Step 1 - Contact the insurer
Reach out to the insurer within 48 hours of emergency hospitalisation and 3 days before planned hospitalisation.
• Toll-free: 1800-270-7000
• E-mail at: care.healthinsurance@adityabirlacapital.com -
Step 2 - Settle all hospital bills
Settle all medical bills and other costs involved in hospitalisation and treatment at the hospital.
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Step 3 - Submit necessary documents
Submit the required documents like the reimbursement claim form, hospital discharge summary, bills and prescriptions, and more to the nearest branch office of the insurer.
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Step 4 - Claim settlement
The insurer will review and verify the documents and process the claim as per the policy's terms and conditions.
Documents required for raising a claim request
Here is the list of documents you need to raise a claim request with Aditya Birla Health Insurance.
- Claim form (Part A and B). Part A to be filled by the insured and Part B to be filled by the hospital
- Aditya Birla Health Card
- Valid ID proof (PAN, voter ID, passport)
- Original discharge summary
- Original hospital bills and payment receipts
- All doctor consultation papers
- FIR copy or post-mortem report in case of an accident or death
Renewal process of Aditya Birla Health Insurance
Here are steps to renew Aditya Birla Health Insurance.
- Login to your account on the Aditya Birla Health Insurance official website.
- Click on the ‘Renew’ option and enter your policy number.
- Details of your health insurance policy will appear; you can review the policy and make changes if required.
- Pay the premium using any of your preferred online payment gateway.
- You will receive the policy document on your registered email ID instantly.
Check the benefits of Aditya Birla Health Insurance renewal.
Contact Aditya Birla Health Insurance
For queries related to the policy, claim settlement and other related information, you can contact the insurer in the following ways:
- Write an email at: care.healthinsurance@adityabirlacapital.com
- Send a WhatsApp message to: +91 88288 00035
Frequently asked questions
Yes, Aditya Birla Health Insurance offers a cashless treatment benefit across 10,000+ hospitals. The policyholder can go to any of the empanelled hospitals to avail of the cashless facility. The policyholder needs to show the Aditya Birla Health Card or share the policy number with the network hospital to seek treatment. The insurer will directly settle the claim with the hospital after the due procedures.
Aditya Birla group is one of the country's most trusted health insurance providers, offering insurance since 2015. Aditya Birla Health Insurance offers the following benefits:
- Cashless claim settlement
- Pre-and post-hospitalisation expense coverage
- 527 daycare procedures coverage
- Free annual health check-up
- Lifelong renewability
- Organ donor expenses coverage
The insurance firm provides health insurance premium estimates to the policyholder after determining certain factors and risks. Some of the factors are:
- Sum insured amount
- Age of the insured
- Tobacco or smoking habits
- Medical history
- Lifestyle factors, including your occupation
- Body Mass Index (BMI)
Aditya Birla Super Top-up Plan is a top-up health insurance plan that provides you and your family with additional coverage benefits over and above your current plan. You can get coverage for medical expenses incurred during daycare procedures, pre-and post-hospitalisation, domiciliary treatment, or organ donor. This plan offers both cashless and reimbursement facilities.
Check the plan here.
Aditya Birla Group Activ Health Plan is a comprehensive health plan that offers coverage against chronic illnesses like asthma, blood pressure, cholesterol, and diabetes to all members covered under the policy. It also provides coverage for pre-and post-hospitalisation expenses, medical expenses of the organ donor and road ambulance charges. You also have the option to choose either a single private room or a shared room during hospitalisation.
Check the plan here.
Aditya Birla Health Insurance offers comprehensive health insurance plans that cover medical expenses incurred due to illnesses, injuries, or accidents. These plans provide coverage against a range of medical expenses incurred during hospitalisation, medical tests, surgeries, and treatments.
Aditya Birla Health Insurance offers coverage from Rs. 5 lakh to Rs. 2 crore, depending on the policy variant and the insured's age. Select the coverage limit as per your requirement and budget on Bajaj Finance Insurance Mall.
