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Top Features From Aditya Birla Health Plans

  • Comprehensive Coverage: Aditya Birla Health Insurance plans often offer extensive coverage,including hospitalization expenses,pre and post-hospitalization costs,daycare procedures, and more.
  • Cashless Hospitalisation: Aditya Birla Health Insurance provides a wide network of 10051+ hospitals,allowing policyholders to avail cashless hospitalization facilities.
  • Chronic Management Program: Policyholders can manage conditions like asthma,diabetes,hypertension,and High Cholesterol etc. with Aditya Birla's program.You can get Day 1 cover on OPD expenses for the above-mentioned chronic diseases.(Hospitalization, however, requires a 90-day waiting period.)
  • Wellness Coaching: Another top feature is that select aditya health insurance plans offer wellness coaching, covering nutrition,fitness,tobacco cessation,and weight management.
  • Lifetime Renewability: Aditya Birla Health policies ensure lifetime renewability, allowing policy renewal without age restrictions.
  • Health Return Benefit: Aditya Birla Health Insurance offers a variety of distinctive health insurance benefits,including HealthReturns™ which rewards you for embracing a healthy lifestyle. You may receive up to 30% of your health insurance premium back.
  • Second E-Opinion: Aditya Birla Health plans provide a unique feature of second e-opinion for critical illnesses. You can consult a panel of medical practitioners for an additional perspective.
  • Reload of Sum Insured: Aditya Birla Health offers the reload benefit in some of the plans.For example - Reload of Sum Insured is available up to 100% of SI in Activ Health Platinum Enhanced product.

Exclusions Across Aditya Birla Health Plans

  1. Pre-existing Conditions: Initial waiting periods or exclusions may apply for pre-existing illnesses. These are usually not covered for a certain duration from the policy inception.
  2. Specific Waiting Periods: Certain treatments or conditions may have specific waiting periods before they are covered. For example, maternity benefits often have waiting periods.
  3. Specific Surgeries: Procedures like joint replacement, cosmetic surgery, and dental surgery are generally excluded from coverage unless necessitated by an accident or illness.
  4. Alternative Treatments: Health insurance plans usually do not cover alternative treatments such as homeopathic and Ayurvedic therapies.
  5. Self-Inflicted Injuries: Injuries or health issues resulting from intentional self-harm or suicide attempts are typically excluded.
  6. War or Nuclear Risks: Injuries or illnesses arising from war, nuclear incidents, or acts of terrorism may be excluded.
  7. Injuries from Hazardous Activities: Injuries sustained during hazardous activities, such as extreme sports or adventure pursuits will not be covered in Aditya Birla Health policies.
  8. Substance Abuse: Health issues resulting from substance abuse, including drug or alcohol abuse, may be excluded.
  9. Congenital Conditions: Birth defects or congenital conditions may be excluded, or there may be waiting periods associated with their coverage.

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Assuming all documentation is in order, Aditya Birla Health Insurance typically settles claims within 30 days from the submission date of all "required" documents.

Aditya Birla Company retains the exclusive right to alter, include, or limit any network hospital for cashless services offered under the policy at its discretion. Prior to utilizing the cashless service, the policyholder/insured person should verify the current list of applicable network hospitals on their website.

Regrettably, they are not obligated to process any claims that arise within the grace period.

HealthReturns™ is a rewarding feature applicable to Aditya Birla Activ Health, Activ Assure, and Activ Care Plans. It incentivizes your healthy lifestyle choices by offering monetary rewards that you can accumulate over time and use according to your needs.

By earning 13 Active Dayz™ plus a Green Healthy Heart Score, you can receive up to 30% of your premium back. The principle is straightforward – the healthier your habits, the greater the rewards.
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