With the escalating costs seen in medical treatments, it is suggested that one should purchase health insurance in order to remain untouched with medical expenses or any misfortunes happened during the lifetime. For this, Aditya Birla Health Insurance comes with an insurance plan called Aditya Birla Activ Health wherein policyholders are provided with customisable health cover which gives value for money. This plan comes at an affordable premium amount and also provides comprehensive coverage against medical bills.
Types of Aditya Birla Activ Health
There are two types of plan under Aditya Birla Activ Health namely:
- Activ Health Enhanced
- Activ Health Essential
Activ Health Enhanced
This plan is designed to acquaint policyholders in getting comprehensive coverage against the medical bills. Moreover, this plan comes with various benefits such as- Health Returns, Reload of Sum Insured, Chronic Management Program and others.
Eligibility Criteria
| Parameters | Minimum | Maximum |
| Entry Age | 91 days | No limit |
| Entry Age (Child) | 91 days | 25 years |
| Policy Term | 1 year | 3 years |
| Sum Insured | Rs.2 lacs | Rs.2 Cr |
Activ Health Essential
This plan is designed in order to provide the policyholders varied health coverage that gives value for money. Under this plan, policyholders can earn up to 30% of policy premium back in form of health returns.
Eligibility Criteria
| Parameters | Minimum | Maximum |
| Entry Age (Individual) | 91 days | No limit |
| Entry Age (Children) | 91 days | 25 years |
| Policy Term | 1 year | 3 years |
| Sum Insured | Rs.50,000 | Rs.10 lacs |
Aditya Birla Activ Health Coverage
| Coverage | Activ Health Essential | Activ Health Enhanced |
| In-patient Hospitalization | Covered up to-
a) Single Private Room b) Shared Room c) General/Economy Ward |
Covered up to-
a) Any room up to 7 Lacs b) Single Private Room c) Shared Room |
| Pre- Hospitalization | 30 days | 60 days |
| Post- Hospitalization | 60 days | 180 days |
| Day Care Treatment | Available | Available |
| Domiciliary Hospitalization | Available | Available |
| Ambulance Cover | Rs.2000 per hospitalization for non-network hospitals | Rs.5000 per hospitalization for non-network hospitals |
| Organ Donor Expenses | Not Available | Available |
| Reload of Sum Insured | Not Available | Available |
| Co-Payment | 20% | Not Available |
Documents required for claim process
- Duly completed and signed Claim Form Part A by insured
- Duly completed and signed Claim Form Part B by hospital
- Policy Copy
- KYC documents (Photo ID, Address and Age Proof)
- Copy of Hospital Registration Certificate
- Original discharge summary/ death summary
- Original hospital bil
- Original diagnostic reports
- Medical bills with prescription
- Original payment receipt
Claim process for Aditya Birla Activ Health
For Cashless claims-
Step 1: Check network hospitals
Step 2: Provide patient identification (Aditya Birla Health Insurance Cashless Card or Policy Number).
Step 3: Submit Cashless Hospitalization request form.
Step 4: After reviewing the form, company will send a confirmation message and e-mail within 2 hours of the processing.
Step 5: Company will process the claim with the hospital after all the formalities are fulfilled. Now you can check your claim status on the website.
Exclusions under Aditya Birla Activ Health
- Non-allopathic treatment
- Treatment directly or indirectly arising from consequences upon war or any act of war, invasions, act of foreign enemy and others
- Consequences of the abuse of the intoxicants such as drugs, alcohol and smoking
- All routine examinations and preventive medical health check-ups
- Cosmetic, aesthetic and re-shaping treatments and surgeries
- HIV
- Organ Donor expenses
- Treatment taken outside India
- Congenital external diseases
How long does it take to pay out the claims?
For policyholders, company will pay out the claim within 7 days of the receipt of the last document but not more than 30 days.
Renewal Process of Aditya Birla Activ Health
Policyholders need to follow the below mentioned steps to renew the Aditya Birla Health Insurance:
Step 1: Visit the official website of Aditya Birla Health Insurance at https://www.adityabirlacapital.com/healthinsurance/#!/homepage
Step 2: Click “Renew” and then click “Quick Renew”
Step 3: Fill the personal details accurately
Step 4: Click “Renew Now” to proceed with online payment
Step 5: A confirmation message will be sent to the policyholder notifying about the successful completion of the renewal process.
Advantages of buying Aditya Birla Activ Health
- Maternity Cover
- Lower premium amount
- Availability of cashless facility
- Worldwide emergency assistance service
- Coverage of organ donor expenses
Customer Care
Email: care.healthinsurance@adityabirlacapital.com
Call (Toll Free): 1800-270-7000
WhatsApp: 8828800035
Address:
Aditya Birla Health Insurance Co Limited
9th Floor, Tower 1, One Indiabulls Centre,
Jupiter Mills Compound, 841, Senapati Bapat Marg,
Elphinstone Road, Mumbai- 400013
FAQs
Q1. What are the payment methods to pay premium amount?
Policyholders can pay their premium amount through following modes:
- Net Banking
- Debit Card
- Credit Card
- ECS etc.
Q2. Is maternity coverage provided by the insurer?
Yes, policyholders can take maternity benefit under Aditya Birla Activ Helath insurance plan.
Q3. What is the sum insured under Activ Health Enhanced Insurance?
Under this plan, policyholders can avail a sum insured of amount Rs. 2 lacs to Rs. 2 Cr.