Aditya Birla Health Insurance Company Limited is a part of Aditya Birla Group. The company was established as a result of coming together of Aditya Birla Capital Limited, a leading financial services company and MMI Holdings Limited one of the largest insurance companies in South Africa. Aditya Birla Capital Limited holds a 51% stake in the company whereas MMI Holdings Ltd. holds a 49% stake in the company. Both the partnered companies have a legacy of being in the financial services market for more than a century. Along with offering a wide range of health insurance products that provide financial protection, the company also takes a conventional approach and offers various other services to promote the importance of health.
Here are some of the important facts about Aditya Birla Health Insurance Company and the Group –
Apart from the strong market presence and continuous recognitions received, there are many other strong reasons to choose Aditya Birla Health insurance Company as your insurer. Following are the reasons to choose the company –
Aditya Birla Health Insurance Company specializes in designing a diverse range of innovative health insurance plans. The company exclusively crafts health insurance plans for various customer segments keeping in mind each unique need of the customer category.
Following are the types of health insurance plans currently offered by Aditya Birla Health Insurance Company –
Let’s take a look at some of the common coverage offered by health insurance plans along with exclusions applicable under these plans offered by Aditya Birla Health Insurance Company Limited.
Following are the coverages offered under Aditya Birla health insurance plans
Coverage benefits, as mentioned |
Meaning of the benefits offered |
In-patient hospitalisation expenses |
Expenses incurred for hospitalisation of more than 24 hours is covered. Expenses included are room rent, nursing and boarding expenses, Intensive care unit charges, operation theatre expenses, medical practitioners fees including fees of specialists and anaesthetics treating the insured person, qualified nurse charges, medicines, drugs and other allowable consumables prescribed by the treating medical practitioner, investigative tests, diagnostic procedures, blood, oxygen, anaesthesia, surgical appliances, chemotherapy, radiotherapy, cost of prosthetic devices like pacemaker implanted during surgical procedures etc. |
Pre-hospitalisation medical expenses |
Expenses incurred for injury or illness immediately before the hospitalisation is covered. The coverage is offered for a predefined number of days which is usually between 30 days to 60 days |
Post-hospitalisation medical expenses |
Expenses incurred for injury or illness immediately after the hospitalisation is covered. The coverage is offered for a predefined number of days which is usually between 30 days to 180 days |
Daycare treatment |
Daycare treatments (medically necessary treatment as advised by a medical practitioner) expenses incurred on any illness or injury during the policy period is covered. However, this is applicable for only treatments that are availed as an in-patient or at daycare centres. These are the medical treatments/surgical procedures that would require less than 24 hours of hospitalisation. |
Domiciliary hospitalisation |
The policy provides coverage for medical expenses incurred on domiciliary hospitalisation during the policy period. However, the coverage is provided only if domiciliary hospitalisation continues for at least three consecutive days. |
Road ambulance cover |
The policy covers the cost incurred up to the specified limit on transportation of the insured person by road ambulance to a hospital for treatment in an emergency situation. |
Organ donor expenses |
The policy covers the medical expenses incurred for an organ donor’s treatment for the harvesting of the organ donated as per the Transplantation of Human Organs Act, 1994. |
Reload of sum insured |
In case the basic sum insured is exhausted during the policy period, the policy provides 100% reload of sum insured option for once in the policy period. |
Cumulative bonus |
If there are no claims made during the policy year, then the cumulative bonus benefit will be given at the end of the policy year. The benefit can be accumulated over the years |
Health check-up program |
The policy provides free comprehensive health check-up facility once in a policy year for insured above 18 years of age |
Second e-opinion on critical illnesses |
In case the insured person is diagnosed with any of the critical illnesses listed in the policy, the insured person can seek second e-opinion from the company’s panel of medical practitioners. |
Wellness coach |
To create more awareness of proactive health among insured persons, the policy offers wellness coaching in areas like weight management, nutrition, tobacco cessation and activity and fitness |
Following are the exclusions applicable under Aditya Birla health insurance plans –
Exclusions, as mentioned in the plans |
Meaning of the benefits that are excluded |
Pre-existing illness –waiting period |
All pre-existing illnesses are excluded for an initial 48 months. For example, diabetes, hypertension, coronary artery disease etc are not covered during this waiting period |
Initial waiting period clause |
Treatment expenses incurred for any disease/illness/injury for the initial 30 days from the date of policy inception are excluded. |
Specific treatments/illnesses –waiting period |
Expenses incurred for specific illnesses/treatments are excluded for a specified waiting period (one to two years). Benign ENT disorders and surgeries and polycystic ovarian diseases are excluded for the first one year from the date of inception of the policy. Surgery of hernia, hydrocele, non-infective arthritis, Undescended testes, cataract, surgery of benign prostatic hypertrophy and hysterectomy etc. are excluded for initial two years from the date of inception of the policy. |
Maternity waiting period |
Any treatment arising from or traceable to pregnancy, childbirth including caesarean section will not be covered until 24 months of continuous coverage has elapsed for that particular insured person since the inception of the maternity expenses benefit under the policy |
War and nuclear perils |
Any treatment for illness/injury directly or indirectly caused by or attributable to war, invasion, warlike operations (whether war be declared or not), the act of foreign enemy, civil war, public defence, uprising, rebellion, insurrection, revolution, military or usurped acts or by nuclear weapons and materials. |
Breach of law |
An insured person committing or attempting to commit a breach of law with criminal intent are not covered |
Self-inflicted injuries |
Suicide, attempt to suicide and intentional self-injury and willful or deliberate exposure to danger are not covered |
Military operations and Adventurous activities |
Participation in naval, military or air force operations, circus, diving, aviation, scuba diving, racing in wheels or horseback, hang-gliding, mountain climbing, parasailing, bungee jumping, river rafting, skydiving, ballooning, ice sports etc are not covered. |
Alcohol and/or drug abuse |
Any injury caused due to or arising out of alcohol consumption or being under the influence of intoxicating drugs. |
Cosmetic treatments |
Plastic surgery, cosmetic surgery and aesthetic treatments (other than necessitated due to accidents/illnesses), re-shaping treatments and surgeries and any complications arising out of it are not covered. |
Dental treatments |
Any dental treatment/surgery which is cosmetic, corrective or of aesthetic procedure, crowns, filling of cavity, root canal treatment etc are not covered |
Non-allopathic treatments |
Expenses incurred for non-allopathic treatment of illness/injury are not covered |
Unproven and experimental procedures |
Any treatment that has no proper base which is still in the experimental and investigational phase are not covered |
Vaccination |
Vaccination or inoculation of any kind, unless it is posted animal bite and there is hospitalisation as an in-patient |
Congenital illnesses |
Any expenses related to the treatment of congenital illness, birth defects or anomalies and genetic disorders are not covered. |
Mental disorders |
Any expenses incurred for treating mental illness, stress, psychiatric or psychological disorders are not covered |
Stem cell therapy |
Stem cell therapy or surgery, or growth hormone therapy are not covered |
Sexually transmitted diseases |
All expenses incurred on the treatment of venereal diseases and sexually transmitted diseases like HIV/AIDS, LAV are not covered. |
Pregnancy and childbirth |
Expenses incurred for treatments arising from pregnancy, miscarriage, abortion, childbirth, caesarean section and complications arising out of it are not covered. The policy also excludes treatments for fertility, subfertility, infertility and related complications. |
Developmental problems |
Treatments for developmental problems, learning difficulties, for example, dyslexia, behavioural problems including attention deficit hyperactivity disorder are not covered |
Non-medical expenses |
Non-medical charges incurred during the treatment and hospitalisation are not covered |
Overseas treatment |
Treatments availed outside India are not covered. |
Name of the Plan |
Variant |
Type |
Individual/ Family Floater |
Age at Entry |
Sum Insured |
Aditya Birla Activ Assure Diamond Plan |
NA |
Indemnity Health Insurance Plan |
Family Floater |
5 years |
2 lakhs to 2 crore |
Aditya Birla Activ Health Platinum Plan |
Enhanced |
Indemnity Health Insurance Plan |
Family Floater |
Adult- 18 years Child- 91 days |
2 lakhs to 2 crore |
Aditya Birla Activ Health Platinum Plan |
Essential |
Indemnity Health Insurance Plan |
Family Floater |
Adult- 18 years Child- 91 days |
50,000 to 10 lakhs |
Aditya Birla Global Health Secure |
NA |
Indemnity health plan covering international treatment for listed illnesses |
Individual basis only |
Adult – 18 years to 65 years Children – 91 days |
INR 3 crores to INR 6 crores |
Aditya Birla Aarogya Sanjeevani Plan |
NA |
Standard indemnity health plan |
Individual or Family Floater |
18 to 65 years |
INR 1 lakh to INR 5 lakhs |
Aditya Birla Corona Kavach Plan |
NA |
COVID specific indemnity health plan |
Individual or Family Floater |
1 day to 65 years |
INR 50,000 to INR 5 lakhs |
Aditya Birla Super Health Plus Top-up |
Plan A and Plan B |
Super top-up plan |
Individual or Family Floater |
91 days to 65 years |
INR 3 lakhs to INR 95 lakhs |
Aditya Birla Activ Secure Personal Accident Plan |
NA |
Personal Accident Plan |
Family Floater |
5 to 65 years Child- 91 days |
Up to 12 X Annual Gross Income Or 30 lakhs for a non-earning member or 15 lakhs for parents/children |
Aditya Birla Activ Secure Critical Illness Plan |
NA |
Critical Illness Plan |
Family Floater |
The plan I and Plan II- 5 year onwards Plan III- 18 years onwards Child- 91 days |
Up to 12 X Annual Gross Income Or 30 lakhs for a non-earning member or 10 lakhs for parents or 15 lakhs for children |
Aditya Birla Activ Secure Hospital Cash Plan |
NA |
Hospital Cash Plan |
Family Floater |
5 to 65 years Child- 91 days |
Daily allowance of 500 to 10,000 |
Aditya Birla Activ Secure Cancer Secure plan |
NA |
Cancer Care Plan |
Family Floater |
Adult- 18 years and above |
5 lakhs to 1 crore |
Aditya Birla Activ Care Plan |
Standard |
Senior Citizen Indemnity Health Insurance Plan |
Family Floater |
Adult- 55 to 80 years |
3 to 10 lakhs |
Aditya Birla Activ Care Plan |
Classic |
Senior Citizen Indemnity Health Insurance Plan |
Family Floater |
Adult- 55 to 80 years |
3 to 10 lakhs |
Aditya Birla Activ Care Plan |
Premier |
Senior Citizen Indemnity Health Insurance Plan |
Family Floater |
Adult- 55 to 80 years |
5 to 25 lakhs |
Now that you know the coverage benefits offered and exclusions applicable under health plans, here are the details of each health plan offered by the company –
Aditya Birla Activ Assure Diamond Plan offered by Aditya Birla Health Insurance Company is a comprehensive insurance policy that offers various amazing benefits and features. Along with protecting your finances, it also helps you manage your health proactively with a variety of services like a health coach which gives you personalised coaching by a medical expert. There are many such features, services and additional riders that make this policy a complete package.
Entry age |
Above 5 years with no restriction on maximum age |
Renewability |
Lifelong renewable |
Entry age for dependent children |
91 days |
Pre-entrance medical check-ups |
Required |
Relationships covered |
Self, spouse and dependent children |
Co-payment |
20% co-pay applicable for an insured person aged above 61 years |
Pre-existing illnesses waiting period |
48 months |
Sum insured |
INR 2 lakhs to INR 2 Cr |
Aditya Birla Activ Health Enhanced plan offered by Aditya Birla Health Insurance Company provides enhanced coverage as the name suggests. There are various unique and advanced features offered by the policy that makes insured to have enhanced and comprehensive health coverage. The policy not just gives you financial security but also helps you live a healthier life. It is one of a kind health insurance product loaded with many unique benefits.
Entry age |
Above 18 years. There is no restriction on the maximum entry age |
Renewability |
Lifelong renewable |
Entry age for dependent children |
91 days |
Pre-entrance medical check-ups |
Required |
Relationships covered |
Self, spouse, dependent children, dependent parents, dependent parents in law |
Deductible |
INR 25,000 to INR 5 lakhs |
Pre-existing illnesses waiting period |
48 months except for chronic diseases that get day 1 coverage |
Sum insured |
INR 2 lakh to INR 2 Crores |
As the name implies Aditya Birla Activ Health Essential plan offered by Aditya Birla Health Insurance Company provides coverage for all the essential medical expenses and treatment. Along with giving protection financially policy also rewards you for working towards your well-being and maintaining good health. The policy comes with a range of customisable features, additional benefits and optional coverages.
Entry age |
Above 18 years. There is no restriction on the maximum entry age |
Renewability |
Lifelong renewable |
Entry age for dependent children |
91 days |
Pre-entrance medical check-ups |
Required |
Relationships covered |
Self, spouse, dependent children, dependent parents, dependent parents in law |
Deductible |
INR 25,000 to INR 2 lakhs |
Pre-existing illnesses waiting period |
48 months |
Sum insured |
INR 50,000 to INR 10 lakhs |
This is a specialized indemnity oriented plan which covers international treatments taken for 16 specific illnesses. The salient features of the plan are as follows –
Entry age |
Adults – 18 to 65 years Children –5 years |
Renewability |
Lifelong renewable |
Entry age for dependent children |
91 days to 5 years under the multi-individual policy |
Pre-entrance medical check-ups |
Required |
Relationships covered |
Self, spouse, dependent children, dependent parents, dependent parents in law, siblings, grandparents, grandchildren, children-in-law, brother or sister-in-law, nephew or niece |
Pre-existing illnesses waiting period |
24-48 months |
Sum insured |
INR 3 crores to INR 6 crores |
This is a standardized health insurance plan which has been launched as per the directive issued by the IRDA. The plan provides basic health insurance coverage at affordable premium rates. The features of the plan are as follows –
Entry age |
18 to 65 years |
Renewability |
Lifelong renewable |
Entry age for dependent children |
3 months to 25 years |
Pre-entrance medical check-ups |
Not Required |
Relationships covered |
Self, spouse, dependent children, dependent parents, dependent parents in law |
Co-payment |
5% of all claims |
Pre-existing illnesses waiting period |
48 months |
Sum insured |
INR 1 lakh to INR 5 lakhs |
This health insurance policy is a COVID specific health plan which covers hospitalisation due to Coronavirus. The salient features of the plan are as follows –
Entry age |
18 to 65 years |
Entry age for dependent children |
1 day to 25 years |
Pre-entrance medical check-ups |
Not Required |
Relationships covered |
Self, spouse, dependent children, dependent parents, dependent parents in law |
Deductible |
INR 50,000 to INR 5 lakhs |
Pre-existing illnesses waiting period |
15 days |
Sum insured |
INR 50,000 to INR 10 lakhs |
This is a super top-up insurance plan which helps you in increasing existing health insurance coverage at affordable premiums. The salient features of the policy include the following –
Entry age |
5 to 65 years |
Entry age for dependent children |
91 days to 25 years |
Pre-entrance medical check-ups |
Depends on age and sum insured selected |
Relationships covered |
Self, spouse, dependent children, dependent parents, dependent parents in law, siblings, grandparents, grandchildren, children-in-law, brother or sister-in-law, nephew or niece |
Deductible limit |
INR 1 lakh to INR 15 lakhs |
Pre-existing illnesses waiting period |
36 months or 48 months depending on the plan variant selected |
Sum insured |
INR 3 lakhs to INR 95 lakhs |
Aditya Birla Activ Secure Personal Accident plan offered by Aditya Birla Health Insurance Company is a comprehensive plan that provides complete financial protection for you and your family in the event of an accident. Coverage includes accidental death, permanent total and partial disablement.
Entry age |
5 years to 65 years |
Renewability |
Lifelong renewable except for temporary total disablement coverage benefit which cannot be renewed after 70 years of age |
Entry age for dependent children |
91 days |
Pre-entrance medical check-ups |
Not required |
Relationships covered |
Self, spouse, dependent children, dependent parents, dependent parents-in-law |
Co-payment |
none |
Pre-existing illnesses waiting period |
48 months |
Sum insured |
Proposer’s sum insured – Up to 12 times of annual gross income for an earning member of the family Non-earning member – 100% of proposer’s sum insured or INR 30 lakh whichever is lower Parents and parents-in-law – 100% of proposer’s sum insured or INR 15 lakhs whichever is lower Dependent children – 100% of proposer’s sum insured or INR 15 lakhs whichever is lower |
Developing a critical illness poses a greater risk and is challenging mentally, physically as well as financially. The best way to avail financial protection against such contingencies is by buying the right critical illness insurance plan. Aditya Birla Activ Secure Critical Illness plan offered by Aditya Birla Health Insurance Company is specially crafted to provide comprehensive coverage by including all the major critical illnesses. With 150% of sum insured payouts, the policy covers up to 64 critical illnesses.
Entry age |
Plan 1 and plan 2 – 5 year onwards Plan 3 – 18 years onwards |
Renewability |
Lifelong renewable |
Entry age for dependent children |
91 days |
Pre-entrance medical check-ups |
Required |
Relationships covered |
Self, spouse, dependent children, parents, parents-in-law |
Co-payment |
None |
Pre-existing illnesses waiting period |
48 months |
Sum insured |
Proposer’s sum insured – Up to 12 times of annual gross income for an earning member of the family Non-earning member – 50% of proposer’s sum insured or INR 30 lakhs whichever is lower Parents and parents-in-law – 50% of proposer’s sum insured or INR 10 lakhs whichever is lower Dependent children – 50% of proposer’s sum insured or INR 15 lakhs whichever is lower |
Aditya Birla Hospital cash plan offered by Aditya Birla Health Insurance Company is designed to provide protection from unexpected expenses during hospitalisation. The policy provides daily cash allowance during hospitalisation ranging from INR 500 to INR 10,000 per day to meet indirect expenses which include travel expenses (to and fro to the hospital), loss of income and attendant expenses etc.
Entry age |
5 years to 65 years |
Renewability |
Lifelong renewable |
Entry age for dependent children |
91 days |
Pre-entrance medical check-ups |
Not required |
Relationships covered |
Self, spouse, dependent children, dependent parents and dependent parents-in-law |
Co-payment |
None |
Pre-existing illnesses waiting period |
48 months |
Cancer Secure plan offered by Aditya Birla Health Insurance Company is specifically designed to protect you financially against various types of and all stages of cancer. The policy provides coverage from minor to advanced stages of cancer. Usually, treatment of cancer can be intensive with various types of medical procedures to undergo such as chemotherapy, radiation and surgery which is not only painful but also very expensive. The policy pays out a lump sum benefit upon diagnosis of cancer irrespective of the stage. Basically, the policy helps you stay positive and focus on treatments without worrying about finances.
Entry age |
18 years and above. There is no restriction on the maximum entry age |
Renewability |
Lifelong renewable |
Entry age for dependent children |
Dependent children below 18 years are not covered |
Pre-entrance medical check-ups |
Not required |
Relationships covered |
Self, spouse, dependent children, dependent parents and dependent parents-in-law |
Co-payment |
No |
Pre-existing illnesses waiting period |
Not applicable |
Sum insured |
INR 5 lakhs to INR 1 Cr |
Aditya Birla Active Care plan offered by Aditya Birla Health Insurance Company provides comprehensive coverage for senior citizens. With various plan options, coverage benefits and tailored features, the policy aims to provide enhanced protection in the golden years of your parents.
Entry age |
Above 55 years |
Renewability |
Lifelong renewable |
Pre-entrance medical check-ups |
Required |
Relationships covered |
Self, spouse |
Co-payment |
15% of co-payment applicable |
Pre-existing illnesses waiting period |
48 months |
Sum insured |
Standard plan – up to INR. 10 lakhs Classic plan – up to INR. 10 lakhs Premier plan – up to INR. 25 lakhs |
Various health insurance plans offered by Aditya Birla Health Insurance Company can be purchased through Turtlemint by following below simple steps.
As soon as you make the payment, the policy will be issued instantly. You would also receive a digital copy of your policy on your registered email ID. A hard copy of the policy document would be mailed to your registered residential address.
With 24/7 customer support system, strong digital presence for claim intimation, registering a claim with Aditya Birla Health Insurance Company has become simple, easy and convenient process. Cashless claim facility makes the claim process even more convenient with widespread network hospitals.
Turtlemint can help you with claim settlements, you can contact Turtlemint by calling on 1800-266-0101 or write to claims@turtlemint.com and our claims executive will get in touch with you.
Let’s take a look at the claim process involved in health insurance plans that you would want to buy from Aditya Birla Health Insurance Company.
Health insurance claims can be raised in two ways with Aditya Birla Health Insurance Company. Either you can opt for cashless settlement of claims or reimbursement of claims.
In case of medical treatments or emergencies, if you decide to seek treatment in-network hospitals for cashless settlement of claims, the following process is to be followed –
In case you seek treatment at non-network hospitals you can get the claim reimbursed. Following is the process to be followed for reimbursement of health claims –
The requirement of documents may vary depending on the nature of the claim. However, here are some of the common documents required for health insurance claims –
For any other queries, you can contact Turtlemint support team on 1800-266-0101 or you can contact Aditya Birla Health Insurance Company’s customer care at 1800-270-7000 or you can write to them on care.healthinsurance@adityabirlacapital.com
Domiciliary hospitalisation treatment refers to treatment taken at home which would otherwise have required hospitalisation. This could be due to patients conditions to unable to move to a hospital or due to unavailability of beds in hospitals.
Following are the treatments/illnesses that are excluded under domiciliary hospitalisation cover –
Following are the major 11 critical illnesses covered under the Activ Health plan –
Health insurance plans not only give comprehensive protection but also benefit you by saving a few amounts of tax. You can avail tax deduction on premiums paid towards health insurance plans taken for self, spouse, children and parents. Here are the details –
Description |
The maximum premium for self, spouse and dependent children |
Maximum premium for parents (dependent/non-dependent) |
Total deductions available under Section 80D of IT Act |
All members of the family < 60 years of age |
INR 25,000 |
INR 25,000 |
INR 50,000 |
Self, spouse and children < 60 years age Either of the parents > 60 years age |
INR 25,000 |
INR 50,000 |
INR 75,000 |
Self > 60 years age Spouse and children < 60 years of age Parents > 60 years age |
INR 50,000 |
INR 50,000 |
INR 1,00,000 |
Aditya Birla Health Insurance Company helps you focus on well-being and health management along with protection offered in the way of a diverse range of health insurance plans. Below are the wellness programs offered by the company –
Following are the major health services offered by Aditya Birla Health Insurance Company –