Aditya Birla Health Insurance

There are many other health insurance policies in the market who promised to strongly focus on offering valuable and better service to the consumers but often forget their aim in the race of profit. Aditya Birla Health Insurance provides hassle-free and promising health insurance solutions but also have proven the same. Aditya Birla Health Insurance has researched the need and requirement of consumer thoroughly and then crafted its health insurance plans, keeping various factors in mind. There are many health insurance plans which not only benefit the individual but also their families, groups and loved ones.

High Sum Assured

Aditya Birla Health Insurance plans come with a high sum assured amount which may range from Rs.10 lakh, up to Rs.2 crore for comprehensive plans which help and assist policyholder holder to take care of rising medical expenses.

Tax Benefits

Aditya Birla Health Insurance along with the health insurance coverage offer various attractive tax relief benefit to policyholders under the provisions of section 80 D of the income tax act, 1961.

Longer Plan Terms

Aditya Birla Health Insurance Plans offer long-term coverage from one year to three years which ensures that the policyholder to be free from the hassle of renewing health insurance policy every year.

Flexible Plan Option

Aditya Birla Health Insurance of various plan which customer can choose as per their requirement. These plans can be chosen for an individual & all groups. Benefits or cover which is offered under the plan can also be chosen as per the needs accordingly for examples personal accident, critical illness.

Hospitalisation Coverage

Aditya Birla Health Insurance plans not only offer free and post hospitalisation expenses coverage but also
as per your plan you can also avail cover for extra treatments like ICU charges, room rent in hospital, operating
room charges, medicinal charges, and other patient’s treatments.

Daycare Coverage

With Aditya Birla Health Insurance you can choose the plan that also offers coverage of day care surgeries or
other procedures which do not require any hospitalisation for over 24 hours. Advance technology such
as dialysis does not require hospitalisation for more than 24 hours but cost too much.

Cover For Expenses

As medical expenses are touching the sky, hospitalisation charges are something that burns hole in the pocket
of a middle-class person.Aditya Birla Health Insurance plans provide cover for pre and post hospitalisation
charges for the duration of the insurance policy.

Riders

Customers can avail additional value-added services at extra cost. These Riders may include the option for critical in the world, health return reward, service of a wellness coach and etc depending on what value the policyholder
choose and what is required.

Network Hospitals

Many health insurance policies offer attractive coverage but when you are in need you come to know that most of the
hospitals are not covered under your health insurance policy. Aditya Birla Health Insurance Company has a big network of hospitals and doctors in cities/towns.

Aditya Birla Health Insurance offers a wide range of health insurance plans. These health insurance plan covers almost everything that you require.

All plans are designed to offer a broader and wholesome coverage. They offer a wide range of health benefits to take care of the policyholder and family.

Nowadays companies, organisations take care of their employees and treat them as their family members. Employees give their heart and soul to the workplace if they are treated with tender love and care by their management. Group health insurance products are just another way of employers to tell the employees that they love and care for them and their loved ones. There are two types of customised group health insurance by Aditya Birla Health Insurance Company:

1. Group Activ health
2. Group Activ secure

• Both the products are customised keeping in mind the corporate portal and offers flexibility as per need of the company.
• Group health insurance offers cashless claim settlement and simple documentation.
• Premium amount paid is exempted under section 80 D of Indian income tax.

• First if any policyholder go through hospitalisation due to hazardous occupation or adventurous activities then his treatment expenses are not covered under the policy.
• Rehabilitation expenses caused due to addiction of some illegal drugs or something are excluded. Treatment for any sexually transmitted disease STDs, HIV and AIDS are not paid any coverage under the plans.
• Any plastic surgery or cosmetic surgery are also not covered under any of the insurance plan.
• Any hereditary disease or genetic disorder is also not covered.
• Any dental treatment or any type of eyesight and vision assistance are also not covered under the Aditya Birla Health Insurance Plans.

• Identity proof such as voter ID card etc.
• Address proof
• Aadhaar card number
• Any medical document in case if your health insurance Policy demand.

• First, you have to check the list of network hospital on the website of Aditya Birla Health Insurance.
• You have to show policy number/cashless card at cashless helpdesk of the hospital. You also need to show your ID cards which can be a passport, PAN card or voter ID etc.
• Then you have to fill the cashless hospitalization request form. If you want to save time then you can even fill the form online to pump up the process. In case of emergency hospitalization, the form is needed to be filled and submitted maximum within 48 hours of hospitalization. While in pre-planned hospitalization the form can be submitted at least three days before the hospitalization.
• After making the decision of cashless hospitalization, information regarding the same is provided to the policyholder usually within two business hours.
• The claim settlement process will be done as per the terms and condition of the hospital on completion of all the formalities.

Reimbursement process of Aditya Birla Health Insurance is very simple-

• The insurance company should be notified in case of an emergency within 48 hours and three days before hospitalization in case of pre-planned hospitalization on number-1800-103-1033. You can also email at – [email protected]
• You have to submit all relevant/required original documents from the hospital and submit them via post or login portal within 15 days of discharge from the hospital.
• Submit all documents as per the conditions of the insurance policy.
• You can check the claim status on the portal after logging in with username/member ID and password provided.

Following document must be submitted to the insurance one making the claim request

• Duly filled claim form
• Original medical bills receipts
• Dr/physician certificate with information about the diagnosis.
• Death certificate in case of any demise and other relevant documents.

The policyholder may visit the online website of Aditya Birla Health Insurance and get all the details regarding claim procedure. In case of any situation where you want to file a claim you need to inform the insurer immediately. Always keep the customer care number handy and take care of all the documents required while filling the claim form

• It is very easy to renew the Aditya Birla Health Insurance policy before it gets expired through the online method.
• Visit the official website of Aditya Birla Health Insurance Corporation Limited.
• Select the ‘Quick renewal’ button and then press on new.
• Filled up the form on the next window with all accurate personal and policy information.
• At last, select the ‘Renew Now’ To proceed with the online payment.
• After payment, a confirmation message will be pop up and the same will be emailed to you with information about successful renewal process for the Aditya Birla Health Insurance Policy.

Aditya Birla Health Insurance premium is calculated on the basis of the following factors

• Age of the insured medical history
• Coverage type
• Lifestyle including Resident and occupation also matter the premium amount. Example if you are working at Coal mine etc than the premium amount will be more.
• Tobacco or smoking habits
• Sum insured amount
• Body mass index
• Other factors depending on the policy.

And you can also calculate online premium very easily buy using the online health insurance premium calculator.

Aditya Birla Health Insurance Company is definitely a one-stop shop for all health insurance related needs. With a long list of effective health insurance plan, the company is ensuring to cover a wide area so that it can cater different needs of customers so that they can live their life happily and in peace. With all its plans, the company promotes to stay fit and healthy and for the same, it offers multiple wellness programs through which customers can easily earn huge cashback. In the Insurance Industry, Aditya Birla Health Insurance Company holds the position of a leading health insurance company. Its goals and mission are enough to show how much it values its customer and offer great services for a long term association. It is surely a recommend platform for your health insurance purchase.