Aditya Birla Health Insurance Co. Limited

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Aditya Birla Health Insurance Co. Limited

Explore our Health Insurance Plans

Activ One NXT

HealthReturns™ + No Capping on Medical Expenses + Super Reload
  • - Earn up to 100% premium back as HealthReturns™
  • - No capping on hospitalization expenses, procedures & benefits
  • - 100% unlimited refill of sum insured with 2x cover from day 1

Activ One VYTL

HealthReturns™ + Day 1 Cover for 7 Chronic Conditions + Chronic Management Program
  • - Earn up to 100% of your premium back as HealthReturns™
  • - 1 Day Cover for 7 Chronic Conditions
  • - Access to Chronic Management Program (OPD)"

Super Health Top Up

Maximize Your Protection with a Top-Up of up to ₹95* Lakhs
  • - Get large coverage at the most affordable premium
  • - 586 day care procedures covered
  • - Pre and Post hospitalisation expenses covered
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Protecting millions of lives

The Aditya Birla Health Insurance Difference

“It feels great when you get something in return for staying healthy”
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Beyond health insurance

As your health partner, we will keep you motivated on your journey towards health and wellness. We reward you for your good health with HealthReturns™ and provide you with support at every stage – with guidance on nutrition, fitness, and lifestyle.

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“It feels great when you get something in return for staying healthy”
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That little extra care during hospitalization, made me feel valued & happy.
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Trusted care managers

Our care managers simplify the process of health insurance for you, from explaining policy documents to filing a claim to managing paperwork and discharge during hospitalization. Connect with your care manager on the Activ Health App.

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“That little extra care during hospitalization, made me feel valued & happy.”
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Health Coaches gave me complete health guidance

Health coach

Get day-to-day tips and guidance from your personal doctor-on-call, medical specialists, dietitians, fitness gurus, and tobacco counselors to keep your health in top condition, always. Get the support you need to better manage chronic conditions like high blood pressure, high cholesterol, and diabetes.

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“My diabetes complication was diagnosed by a health coach at the right time.”
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My diabetes complication was diagnosed by a health coach at the right time.

Chronic Management Program

A special program to manage the cost of living with four major chronic conditions – asthma, blood pressure, cholesterol, and diabetes. Get Day 1 cashless cover for your OPD expenses of medicines, diagnostic tests, and doctor consultations.

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“Health Coaches gave me complete health guidance”
My diabetes complication was diagnosed by a health coach at the right time.

Support is just a text away

Reach out to our customer support team on WhatsApp and get your doubts and queries answered instantly.

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What Is Health Insurance

Health insurance is a policy that covers the medical expenses that you might incur if you suffer an illness or an injury. If you suffer a medical emergency, and it is covered under your health plan, then medical costs will be borne by the insurer.

Why Do You Need A Health Insurance Plan?

It is a must to have a comprehensive health insurance plan in India. It safeguards you and your family against unforeseen medical emergencies. It also ensures that you don't end up draining your personal savings on medical bills.

The need for health insurance in India stems from the coverage that the plan provides. Consider these two facts -

  • Medical costs have become quite expensive.

  • With increasing life expectancy and rising lifestyle-related diseases, the chances of suffering from an illness or injury have also increased.

When you consider the above factors, a medical emergency has the potential to wipe out your savings. A medical insurance policy, therefore, becomes very important.

You should, thus, Buy Health Insurance Plans in India for the following reasons:

Protect your financial savings in a medical emergency

Afford quality healthcare despite medical inflation

Meet the high costs of hospitalization and medical treatments

Save taxes on the premiums paid up to Rs.75,000 under the provisions of Section 80D

Get treated at the best hospitals on a cashless basis

Cover all your family members under the family floater plan

Protect your financial savings in a medical emergency

Afford quality healthcare despite medical inflation

Meet the high costs of hospitalization and medical treatments

Save taxes on the premiums paid up to Rs.75,000 under the provisions of Section 80D

Get treated at the best hospitals on a cashless basis

Cover all your family members under the family floater plan

So, look for the best health insurance policy offered by leading Mediclaim Insurance companies. Choose the most suitable plan that provides all the necessary coverage benefits you need at affordable premiums.

What Are the Benefits of Health Insurance?

A health insurance policy provides a comprehensive scope of coverage that underlines the various benefits that you can avail of. Have a look at some Mediclaim Insurance benefits -

Hospitalization cover

Hospitalized for an illness or injury? Don't worry about the room rent or the treatment costs if you buy health insurance. Health insurance plans cover the cost of hospitalization, room rent, doctor's fee, treatment charges, nurse's fee, and all the expenses that you might incur when you are hospitalized. Having a comprehensive medical insurance plan with a hospitalization cover can give you peace of mind during such unforeseen events.

Cashless treatments

If you are being hospitalized, choose a network hospital and you wouldn't have to worry about the hospital bills. The medical insurance policy would settle your bills directly, without you having to shoulder the burden yourself. This eliminates the stress and hassle of arranging funds at short notice to cover exorbitant hospital bills.

Family Cover

Choose family floater plans and get coverage for all your family members. One policy allows umbrella coverage to all your loved ones, so that if anyone falls ill, the policy covers the medical costs. This means that you can rest assured that your family will be taken care of, even in your absence. Some family cover plans also work out to be more affordable, rather than getting individual plans for each family member.

Free health check-ups

Health insurance plans motivate you to keep regular track of your health. They allow coverage for free health check-ups at regular intervals to keep a tab on your health and catch complications early on. Buying Health Insurance for Parents is very beneficial as it encourages them to take an active interest in their own health, and ensures that they take necessary precautions based on the test results immediately

How To Choose The Right Health Insurance Plan?

With so many Aditya Birla health insurance plans available, choosing the right plan can prove to be a difficult job. But, with the right checklist, you will be prepared to make the right selection.

Here are some quick parameters to find the right health insurance plan in India -

Medical costs are increasing, every day. So, make sure you choose an optimal sum insured which proves sufficient to cover the exorbitant medical costs. Remember that life expectancy is also increasing, so you may need to plan for health insurance for a longer period.

Check the coverage benefits that the health insurance plans offer. Choose a plan which offers the most inclusive scope of coverage that also matches your needs. It's tempting to pick a policy with the least premium, but make sure you check the coverage benefits first.

Nothing is more important than affordable premiums. So, check the coverage and ensure that the premium is commensurate with the coverage provided. Also, ensure that the premium is affordable for you. Since premiums will need to be paid every year or every few years (depending on the terms of the policy), make sure you keep funds aside so that you don't have to run around at the last minute.

If a health plan has a wide network of hospitals, you can make a cashless claim easily. So, buy health insurance plans with wide hospital networks. This also means that you will have a seamless claims experience.

Waiting periods play a spoilsport when it comes to coverage. So, choose plans which have low waiting periods so that you can get coverage without waiting too long. The last thing you want is a delay in processing the insurance amount in times of great need, so make sure to pick a plan and an insurance company that comes to your aid when you need it the most.

Sub-limits restrict the scope of coverage. The right policy would be the one that has no sub-limits for comprehensive protection.

Lastly, choose an insurance company that enjoys the trust of its customers and has made its name in the health insurance industry. You might also want to check the claims settlement ratio, so that you don't face any hassles in the future.
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How To Claim Your Aditya Birla Health Insurance?

With Aditya Birla's digitized services, making health insurance claims has been simplified. Download the Active Health App to register and track your health insurance claims or connect with the company online. You can also call the toll-free number 1800 270 7000 for claims assistance. You can avail of two types of health insurance claims -

Cashless Claims

If you are admitted to a networked hospital, the medical insurance company pays your medical bills directly to the hospital. For settlement of cashless claims under Aditya Birla health insurance plans, follow these steps -

  • Locate your nearest networked hospital
  • Verify the insured's identity by submitting the Health Card or any other valid ID proof
  • Fill up and submit the Pre-Authorization Claim Form
  • Get your claims processed and settled

Reimbursment Claims

If you are admitted to a non-networked hospital or if you are unable to make a cashless claim, the health insurance claim would be reimbursed. You should pay your bills yourself when taking treatments. After you are discharged and recover, file your claim and the insurer will reimburse your expenses.

The reimbursement claim process of Aditya Birla health insurance plans is simple and hassle-free, and is as follows -

  • Inform the company within 48 hours of an emergency hospitalization or 3 days before a planned one
  • Submit all the relevant documents
  • Get your health insurance claim processed and reimbursed

Reimbursment Claims

If you are admitted to a non-networked hospital or if you are unable to make a cashless claim, the health insurance claim would be reimbursed. You should pay your bills yourself when taking treatments. After you are discharged and recover, file your claim and the insurer will reimburse your expenses.

The reimbursement claim process of Aditya Birla health insurance plans is simple and hassle-free, and is as follows -

  • Inform the company within 48 hours of an emergency hospitalization or 3 days before a planned one
  • Submit all the relevant documents
  • Get your health insurance claim processed and reimbursed

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