Aditya Birla Health Insurance

Health and Wellness Aditya Birla Health Insurance Plans

Activ One NXT (Health Returns + Unrestricted Medical Expenses + Super Reload) 

Key Features  

1. Earn up to 100% Health Returns by maintaining an active and healthy lifestyle.  
2. Receive 2X Sum Insured from the first claim and up to 100% of the Sum Insured for subsequent claims within a policy year, with no limitations.  
3. No capping on medical expenses, including room rent, ICU charges, day care treatments, mental illness hospitalisation, road ambulance cover, obesity treatment, etc., up to the Base Sum Insured.  

1. Health Assessment is available once in a policy year.  
2. Cover pre-hospitalisation and post-hospitalisation expenses up to 90 days and 180 days, respectively.  
3. Inclusive coverage for mental health illnesses and home-based treatments.  
4. Extend coverage to family members, including live-in partners and same-sex couples.  
5. Increase coverage up to 5x of Base Sum Insured, up to a maximum of Rs. 3 crore (irrespective of claims) with Super Credit (Optional).  
6. Cover listed chronic diseases from the first 1 with Chronic Care (Optional).  
7. Include listed non-medical expenses during a claim with Claim Protect (Optional).  

Activ Health Platinum Enhanced Aditya Health Insurance Plans

Activ Health Platinum Enhanced (Health Insurance + Wellness Benefit + Chronic Care Management + Wellness Coach + Health Returns) 

Key Features  

1. Health Returns: Earn rewards of up to 100% of your policy premium.  
2. Coverage for 586-day care procedures.  
3. Pre-hospitalisation and post-hospitalisation coverage for up to 60 and 180 days, respectively.  
4. Day 1 coverage for chronic illnesses.  
5. Reload of Sum Insured available up to 100% of Sum Insured.  

1. Access to an Expert Health Coach for medical, fitness, and nutritional counselling.  
2. Cashless home treatment.  
3. Coverage for Covid-19 hospitalisation expenses.  
4. Cashless facility is available at 10,051+ network hospitals.  

Activ Fit:

Activ Fit (Health Insurance + Health Benefits + Rewards + Wellness Coach + Health Returns)  

Key Features  

1. Earn up to 50% of your premium as Health Returns.  
2. Avail a 10% upfront good health discount at the time of policy purchase.  
3. Enjoy an early bird discount of up to 10% at the time of renewal.  
4. Benefit from a 100% unlimited sum insured refill.  
5. Coverage for pre-hospitalisation and post-hospitalisation expenses.  
6. Double your sum insured in 2 claim-free years with a Super No Claim Bonus (optional cover).  
7. Access to cashless facilities at 10,000+ network hospitals.  
8. Maternity expenses covered.  
9. Receive a 1-year premium waiver in case of the detection of a listed critical illness or injury due to an accident resulting in Permanent Total Disablement (optional cover).  

Activ Assure Diamond Aditya Health Insurance Plans

Activ Assure Diamond + Super Health Topup (Rs. 1 crore Cover + Health insurance + Health benefit + Wellness Coach + Health Returns) 

Key Features  

1. Gain up to 30% of your premium as Health Returns.  
2. Enjoy a 150% reload of the sum insured.  

1. Access to a Health Coach for personalised guidance.  
2. Coverage for 586 daycare procedures.  
3. Global emergency assistance services are available.  
4. No claim bonus benefits.  
5. In-patient treatment covers AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy).  
6. Coverage for Covid-19 hospitalisation expenses.  
7. Cashless facility is available at 10,051+ network hospitals.

Active Care Classic Aditya Health Insurance Plans

Activ Care Classic (Health Insurance for Parents + Wellness Coach + Health Returns) 

Key Features  

1. Receive 21% Health Returns.  
2. Choose from three plan variants – standard, classic, and premier.  
3. Enjoy a comprehensive annual health check-up.  
4. Benefit from a dedicated personal health coach.  
5. Access cashless treatment at home.  
6. Coverage for 586 daycare procedures.  
7. Avail nursing services at home.  
8. In-patient treatment covers AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy).  
9. Coverage for Covid-19 hospitalisation expenses.  
10. Cashless facility is available at 10,051+ network hospitals.  

Aditya Health Insurance Activ Assure Diamond Plan

Activ Assure Diamond (Health Insurance + Health Benefit + Wellness Coach + Health Returns) 

Key Features  

1. Accrue up to 30% Health Returns.  
2. Benefit from a 150% reload of the sum insured.  
3. Access the services of a Health Coach.  
4. Coverage for 586 daycare procedures.  
5. Receive worldwide emergency assistance services.  
6. Coverage for modern treatment expenses.  
7. In-patient treatment covers AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy).  
8. Covid-19 hospitalisation expenses covered.  
9. Cashless facility is available at 10,051+ network hospitals.  

Activ Health Platinum Essential Aditya Health Insurance Plans

Activ Health Platinum Essential (Health Insurance + Wellness Benefit + Chronic Care Management + Wellness Coach + Health Returns) 

Key Features  

1. Accrue Health Returns, earning up to 50% of your policy premium.  
2. Sum insured available up to 2 crores.  
3. Comprehensive pre and post-hospitalisation cover up to 60 & 180 days, respectively.  
4. Coverage for 586-day care procedures.  
5. Earn Cumulative Bonus over time.  
6. Cashless facility is available at 10,051+ network hospitals.  
7. Coverage for AYUSH-related treatment expenses.  
8. Covid-19 hospitalisation expenses covered.

Aditya Birla Activ Health Platinum Premiere

Activ Health Platinum Premiere (Safeguarding your Health, Ensuring Holistic Well-being + Wellness Coach + Health Returns) 

Key Features  

1. Accumulate Health Returns, earning up to 100% of your policy premium.  
2. Post-hospitalisation physiotherapy cover.  
3. Sum insured available up to Rs. 2 crore.  
4. 100% unlimited reload, applicable for the same and unrelated illnesses.  
5. Comprehensive pre-hospitalisation and post-hospitalisation cover up to 60 days & 180 days, respectively.  
6. Coverage for dental consultation & investigations.  
7. Includes modern treatment methods for listed procedures.  
8. Covid-19 hospitalisation expenses covered.  
9. Cashless facility is available at 10,051+ network hospitals.  

Aditya Birla Activ Care Standard

 Activ Care Standard (Parental Health Insurance + Wellness Coach + Health Returns) 

Key Features  

1. Accumulate 21% Health Returns.  
2. Avail of cashless treatment at home.  
3. Nursing services at home.  
4. Comprehensive health check-up.  
5. Daycare treatment coverage.  
6. Optional lifestyle support at home.  
7. Coverage for Covid-19 hospitalisation expenses.  

1. Cashless facility accessible at 10,051+ network hospitals.  

Aditya Birla Activ Care Premier

Activ Care Premier (Parental Health Insurance + Wellness Coach + Health Returns) 

Key Features  

1. Earn 21% Health Returns.  
2. Benefit from cashless treatment at home.  
3. Avail nursing services at home.  
4. Comprehensive health check-up included.  
5. Daycare treatment coverage is provided.  
6. Optional lifestyle support at home.  
7. Access to a personal health coach.  
8. Coverage for organ donor expenses.  
9. Inclusion of AYUSH (In-patient Hospitalisation).  
10. Covid-19 hospitalisation expenses covered.  
11. Cashless facility accessible at 10,051+ network hospitals.

Aditya Birla Arogya Sanjeevani Policy

Key Features  

1. Coverage for all daycare procedures.  
2. Inclusion of AYUSH In-Patient treatment.  
3. Pre-hospitalisation coverage is for 30 days, and post-hospitalisation coverage is for 60 days.  
4. Comprehensive coverage for hospitalisation expenses.  

1. Coverage for Covid-19 hospitalisation expenses.   

Aditya Birla Corona Kavach Plan 

Key Features  

1. Coverage for hospitalisation expenses.  
2. This includes expenses for a PPE kit, gloves, and mask.  
3. Coverage for home care treatment expenses.  
4. No pre-policy health check is required.  
5. Flexible sum insured options.  
6. AYUSH In-patient hospitalisation coverage.  
7. Covid-19 hospitalisation expenses covered.  
8. Cashless facility is available at 10051+ network hospitals.  

Aditya Birla Ekam Suraksha Policy

Key Features  

1. Coverage for hospitalisation expenses.  
2. AYUSH coverage – Expenses for hospitalisation under AYUSH Treatment up to 50% of the Sum Insured (SI).  
3. Pre-hospitalisation medical expenses are covered for 30 days before hospitalisation.  
4. Post-hospitalisation medical expenses are covered for 60 days after hospitalisation.  
5. Expenses for hospitalisation due to Modern Treatment-listed procedures covered up to 50% of SI.  
6. Expenses for cataract treatment covered up to a limit of Rs. 40,000 per eye.  
7. Co-pay of up to 20% on all claims.  

1. Waiver of a Co-pay of 20% is available by paying an additional premium.  

Aditya Birla Cancer Secure Plan

Cancer Secure (Health Insurance providing Coverage against Cancer) 

Key Features  

1. Protection against all three stages of cancer  
2. Up to 150% of the sum insured  
3. International second e-opinion for major illnesses  
4. Short survival period before payout  
5. 10% No Claim Bonus, up to 100% of the sum insured  
6. Tax benefits under section 80D of the Income Tax Act  
7. Covid-19 Hospitalisation Expenses Covered  
8. Cashless facility available at 10051+ network hospitals  

Aditya Birla Critical Illness Plan

Activ Secure Critical Illness (Health Insurance provides Coverage against Major Critical Illnesses) 

Key Features  

1. Three plan variants covering 20, 50, or 64 critical illnesses  
2. Up to Rs. 1 crore of the sum insured  
3. 150% sum assured to cover multiple claims  
4. Lumpsum payout on detection  
5. Short survival period before payout  

1. Optional Health Coach  
2. Optional second e-opinion  
3. Covid-19 Hospitalisation Expenses Covered  
4. Cashless facility available at 10051+ network hospitals  

Personal Accident Plan Aditya Health Insurance Plans

Activ Secure Personal Accident (Health Insurance provides Coverage against Accidents) 

Key Features  

1. Protection against death and disability  
2. Protection against income loss  
3. Road ambulance cover  
4. Funeral expenses and repatriation of mortal remains  
5. Optional EMI and Loan protect  
6. 5% No Claim Bonus  
7. Education benefit for dependents  
8. Covid-19 Hospitalisation Expenses Covered  
9. Cashless facility available at 10051+ network hospitals   

Aditya Birla Corporate Plans

Group Activ Health (Health Insurance for the Well-being of Employees + Wellness Coach) 

Key Features  

1. 30% Health Returns  

1. Customisable features, benefits, and limits  
2. Hospitalisation expenses  
3. Cashless claim settlement  
4. Road ambulance cover  
5. Daycare treatment  
6. Covid-19 Hospitalisation Expenses Covered  
7. Cashless facility available at 10051+ network hospitals 

Aditya Birla Group Activ Secure

Group Activ Secure (Health Insurance for the Well-being of Employees + Wellness Coach + Health Returns) 

Key Features  

1. In-patient Hospitalisation  
2. Hassle-Free Claims  
3. Road ambulance cover  
4. Covid-19 Hospitalisation Expenses Covered  
5. Cashless facility available at 10051+ network hospitals   

Aditya Birla Group Activ Travel

Group Activ Travel (Health Insurance for the Well-being of Employees + Wellness Coach) 

Key Features  

1. Ambulance Services  
2. Covers Hospitalisation  
3. Covers Miscellaneous expenses  
4. Covid-19 Hospitalisation Expenses Covered  

1. Cashless facility available at 10051+ network hospitals   

Aditya Birla International Cover Plan

Global Health Secure (Health Insurance for International Healthcare) 

Key Features  

1. Cashless treatment in any country  
2. In-patient and post-hospitalisation cover  
3. Travel and accommodation cover  
4. Organ donor expenses  
5. Repatriation of mortal remains  
6. International second e-opinion for major illnesses  
7. Visa documentation guidance  
8. Covid-19 Hospitalisation Expenses Covered  
9. Cashless facility available at 10051+ network hospitals 

What is Covered by Aditya Birla Health Insurance?

1. Emergency Ambulance Cover: In the event of an emergency, you can request an ambulance, and the transportation charges will be covered by the insurance.  
2. Domiciliary Hospitalisation Expenses: This refers to the treatment taken at home based on doctors' advice. ABC plans provide coverage for such hospitalisation.  
3. Organ Donor Expenses: Surgical expenses and medical expenses related to organ donation are covered by the insurer.  
4. Daycare Treatments: Expenses for hospitalisation lasting less than 24 hours, especially for procedures like dialysis, eye surgery, sinusitis, etc., will be covered.  
5. In-patient Hospitalisation Expenses: With Aditya Birla Health Insurance plans, expenses resulting from any unfortunate event requiring hospitalisation for more than 24 hours will be covered. These expenses include nursing, boarding, room rent, and other fees.  

What is Not Covered by Aditya Birla Health Insurance?

1. Cosmetic Surgery: Certain surgeries like joint replacement, dental surgery, botox fillers, and other cosmetic procedures are not covered by insurance.  
2. Venereal or STDs: Expenses related to the treatment of diseases such as Venereal or STDs are not covered by the insurance.  
3. Self-inflicting Injuries: Injuries caused by self-infliction, such as suicide attempts, are not covered by the insurance policy.  
4. Injuries Due to War: Injuries resulting from war, riots, nuclear threats, or strikes are not covered by the insurance policy.  
5. Injuries Due to Participation in Hazardous Activities: Injuries arising from engaging in hazardous activities like paragliding, mountain climbing, and skydiving are not included in ABC Health Insurance policies. 

How to Purchase Aditya Birla Health Insurance Plan Online?

Follow these steps to buy an Aditya Birla Health Insurance plan:  

1. Step 1: Visit the Aditya Birla official website and select the health insurance option.  
2. Step 2: Select the individuals to be insured, providing their respective ages.  
3. Step 3: Fill in the required details, including name, phone number, city, etc.  
4. Step 4: Indicate whether you have any pre-existing medical conditions.  
5. Step 5: Choose the Aditya Birla Health Insurance plan you wish to purchase.  
6. Step 6: Make the premium payment online.  
7. Step 7: Aditya Birla Health Insurance Company will issue the policy.  

Renewal Process for Aditya Birla Health Insurance Policy Online

To renew your Aditya Birla Health Insurance plan online, follow these straightforward steps:  

1. Step 1: Visit the Website  

Go to the official website of Aditya Birla Health Insurance. Click on the 'Renew' tab and select 'Renew Now' from the drop-down menu.  

1. Step 2: Enter Details  

Provide information for any two of the following: Policy Number, Date of Birth, and Mobile Number. Click 'Proceed.'  

1. Step 3: Pay Health Insurance Premium Online  

Make the required health insurance premium payment using any preferred mode of payment.  

1. Step 4: Receive Confirmation  

An email will be sent to you confirming the successful payment of the premium and renewal of the policy.   

How to Initiate a Claim with Aditya Birla Health Insurance Plan?

The process for filing a cashless claim with an Aditya Birla Health Insurance policy is outlined below:  

1. Visit the Nearest Network Hospital: Admit yourself to a network hospital affiliated with Aditya Birla Health Insurance Company to benefit from cashless treatment.  
2. Inform the Insurer: Notify the insurer about your emergency hospitalisation within 48 hours and planned hospitalisation at least three days before the scheduled admission.  
3. Present Necessary Documents: Show your Aditya Birla health insurance cashless card or provide your policy number at the hospital, along with a valid ID proof such as a passport, PAN Card, Aadhaar card, Voter ID, etc.  
4. Submit the Pre-Authorisation Request Form: Complete a pre-authorisation request form and submit it at the hospital's insurance desk. The hospital will forward the form to the insurance company for approval of cashless treatment.  
5. Approval of Claim: The insurer will review the form in accordance with the terms and conditions of your policy and grant approval accordingly.  
6. Settlement of Claim: After the completion of the treatment, the insurance company will settle the claim amount directly with the network hospital.  

Note: If the insured is admitted to a non-network hospital, they must settle the hospital bill upon discharge. To claim reimbursement, submit all required documents to the insurer. Upon verification, the claim amount will be disbursed accordingly.  

Necessary Documents for Aditya Birla Health Insurance

Ensure you have the following documents in order to process a reimbursement claim for Aditya Birla Health Insurance:  

1. Completely filled out Aditya Birla Health Insurance claim form  
2. Health card or a duplicate copy of the health insurance policy  
3. KYC documents, such as an Aadhaar card, passport, etc.  

1. Copy of the hospital registration certificate  
2. Original hospital discharge card or death summary  
3. Original detailed breakdown of the final hospital bill, inclusive of all initial deposits and payment receipts  
4. Original invoices beyond the primary hospital bill, along with corresponding payment receipts  
5. Stickers and invoices for any surgical implants  
6. Doctor's letter elucidating the medical condition, past medical history, treatment specifics, and duration  
7. Previous consultation records  
8. All original diagnostic reports  
9. Pharmacy bills accompanied by prescriptions  
10. Copy of MLC or FIR (applicable in accident cases)  

Waiting Period in Aditya Birla Health Insurance Plans

The waiting period denotes the duration during which policyholders must wait before being eligible to make a claim. This period begins from the policy purchase date and can span from 15 days to 4 years, varying based on the specific policy terms.  

1. Initial Waiting Period: This waiting period encompasses the first 30 days from policy commencement. During this time, claims are only permissible for emergency hospitalisation resulting from an accident.  

1. Pre-existing Disease Waiting Period: As defined by IRDAI, pre-existing diseases refer to ailments diagnosed within 48 months prior to the purchase of a health insurance plan. Conditions such as diabetes, thyroid disorders, and hypertension may be subject to waiting periods.  
2. Specific Diseases Waiting Period: Certain diseases, such as cataracts, ENT disorders, joint replacement surgery, and mental illnesses, may incur specific waiting periods, which can extend up to 24 months, depending on the chosen plan.  
3. Maternity Benefit Waiting Period: Maternity benefits typically commence after a waiting period ranging from one year to four years post-health insurance purchase, although this timeframe varies according to the policy. Hence, family planning considerations should be made accordingly.  
4. Mental Illness Waiting Period: While many policies now offer coverage for mental illnesses, there is typically a waiting period before claims can be made. This waiting period for mental illness coverage typically ranges from one year to four years.  

Aditya Birla Health Insurance Toll-free Number

1800-270-7000  

Note: The Aditya Birla Health Insurance toll-free number is available Monday to Friday from 10 am to 7 pm.