Aditya Birla Medical Insurance: Your Path To Comprehensive Wellness

Aditya Birla medical insurance is a leading insurer with various health insurance policies like Aditya Birla Activ Assure Diamond Plan, Aditya Birla Activ Assure Shield Plan, Aditya Birla Activ Health Optimizer, Aditya Birla Activ MediClaim, Aditya Birla Activ MediStar, Activ Assure cashless mediclaim, and Aditya Birla Activ Cashless Card. Aditya Birla Health Insurance has provided comprehensive health insurance policies to its customers at an affordable rate. There are various benefits and advantages to opting for Aditya Birla Health Insurance.

Benefits & Advantages

Aditya Birla Health Insurance policies provide coverage for pre- and post-hospitalization expenses, thus ensuring that all the medical requirements of the insured are taken care of. It also offers parents medical insurance through the Aditya Birla Activ MediClaim and Activ MediStar plans. Customers also get a No Claim Bonus (NCB) of up to 50% on the policy renewal. In addition, there is no room rent restriction on the Aditya Birla Insurance plans, which helps customers save money on medical bills. Other advantages include free health check-ups, 24*7 customer services, hassle-free claim settlement, and cashless treatment.

Eligibility

Aditya Birla medical insurance plans are available for individuals between 18 and 65 years old. Customers of any state of India are eligible for these policies. Customers can avail of Aditya Birla policies for individuals and families, with a maximum of 23 members in the family. Children, who are under three years of age, need to be covered under separate policies.

Coverage & Sum Assured

All Aditya Birla Health Insurance policies cover hospitalization expenses, like ICU charges, doctor’s fees, room charges, etc. The Aditya Birla Activ Assure Diamond Plan provides coverage up to ₹50 lakhs, while the Aditya Birla Activ Assure Shield Plan covers up to ₹25 lakhs. The Aditya Birla Activ Health Optimizer, Aditya Birla Activ MediClaim, and Aditya Birla Activ MediStar policies coverage are up to ₹15 lakhs.

Network Hospitals

Aditya Birla Health Insurance has more than 5000 network hospitals spread across India. Customers can avail of cashless treatment at any of these hospitals. Customers can easily find the network hospitals in their city by using the hospital locator on the company’s website.

Claims Process

Aditya Birla Health Insurance offers customers a hassle-free and efficient claims process. Customers can easily initiate the claim process online by visiting the company’s website. Customers need to provide their policy number and fill out the cashless form for cashless claims. For reimbursement claims, customers must submit the duly-signed claim form and all the required documents.

Renewal of Policy

Aditya Birla Health Insurance plans can be renewed online as well as offline. Customers can log in to the official website and easily renew the policy. Customers can also renew the policy offline by filling out the renewal form and submitting all the required documents at the nearest branch.

Key Features

  1. Quick online issuance.
  2. Get free health check-ups after every four years of continuous renewal.
  3. Higher sum assured up to 50 lakhs under the Aditya Birla Activ Assure Diamond Plan.
  4. Cashless treatment facility available in more than 5000 network hospitals.
  5. Tax exemption under Section 80D of the Income Tax Act, 1961.

Premiums

The premiums for Aditya Birla Health Insurance plans depend on the coverage opted for, policy term, sum assured, age, pre-existing medical conditions, etc. The premiums are reasonable and easily affordable by people of all economic backgrounds.

Tax Benefits

Aditya Birla Health Insurance customers enjoy tax benefits under Section 80D of the Income Tax Act 1961. Customers can avail of tax deductions up to ₹25,000 for policies taken for themselves and their parents through parents medical insurance.

Reasons to Consider

Aditya Birla Health Insurance offers comprehensive health coverage at an affordable premium. Its policies provide attractive features like zero room rent restriction, coverage for pre- and post-hospital expenses, tax benefits, No Claim Bonus, etc., which makes Aditya Birla an ideal option for customers of all economic backgrounds.

Exclusions

Aditya Birla Health Insurance policies do not cover pre-existing medical conditions for the first two years, except for some specified illnesses like cataracts, hernia, hydroceles, piles, etc. Treatment of HIV/AIDS, mental illness, pregnancy, infertility, drug abuse, vaccinations, and congenital diseases are also excluded from the policies.

Conclusion

Aditya Birla Health Insurance is a leading insurer with many health insurance policies. Its policies provide comprehensive health coverage at an affordable premium. Customers can enjoy various benefits and advantages, like free health check-ups, Claim Bonuses, cashless treatment in-network hospitals, tax benefits, etc. Customers can make informed decisions and choose the policy that best suits their needs.