Aditya Birla Health Insurance
Illness does not spare or distinguish between the young or old. Many people, both young and old, are falling prey to illness or even develop life-threatening medical conditions. Seeking treatment for these diseases is very expensive and many cannot bear the medical expenses.
To take the burden off your shoulders, Aditya Birla has launched a health insurance product, Aditya Birla Health Insurance, a debutant in the Indian health insurance space. Aditya Birla Health Insurance is an alliance between the Aditya Birla Group of India and the leading health insurance provider in Africa known as MMI Holdings.
Aditya Birla Health Insurance offers an integrated wellness program and an array of health insurance all designed with the purpose of helping customers lead healthier lives.
Features and Benefits of Aditya Birla Health Insurance:
Aditya Birla Health offers various health insurance plans keeping in mind the requirement of the customer. A number of Aditya Birla Health Insurance plans are offered not only to individuals, but also to large groups and families. Some of the distinguished features of the Aditya Birla Health Insurance plans are:
–Aditya Birla Health Insurance plans offer longer plan terms from 1 year to 3 years with a high sum assured from Rs.10 lakh up to Rs.2 crore. Thus, you need not renew your health plan annually.
–Aditya Birla Health Insurance plans offers coverage for pre/post hospitalization charges for durations which vary according to the plan, which has been chosen.
-These plans also cover additional expenses for a range of treatment expenses like in-patient treatments, which includes room charges, ICU charges, specialist’s fee, operation room charges, medicines, etc.
-A number of listed day-care surgeries and procedures not requiring hospitalization for over 24 hours are also listed and provided coverage. Minimum 24-hour hospitalization clause not mentioned.
-Cover for domiciliary hospitalization where the patient was treated at home due to medical constraints. Coverage for such treatments will be provided as per plan terms.
-The insured is free to choose the hospital room category for their hospitalization. If the insured has chosen a lower room category, they can file for reimbursement at the time of raising a claim.
-Recovery Benefit – Depending on the plan chosen, policyholders are eligible towards a Recovery Benefit under their plan.
-These plans offer tax benefits to policyholders under provisions of Section 80D of the Income Tax Act, 1961.
-In addition to the above features, the customers are eligible for a number of value-added benefits such as participate in a Chronic Management Program to manage chronic illnesses, option to get second e-opinion for a critical illness, avail the services of Wellness Coach, and be eligible for Health Returns rewards.
-Depending on the plan chosen, policyholders are eligible for a Cumulative Bonus of 10% to 20%, which is provided for every claim-free policy year.
Every insured policyholder above the age of 18 is eligible for a free health check-up annually.
Plans Offered By Aditya Birla Health Insurance: Aditya Birla Health provides 4 health insurance plans for an individual as well as group health insurance plans. Activ Secure, Activ Health, Activ Assure, and group health insurance plans.
-Activ Health Plans:
Activ Health – Essential: This Aditya Birla Health insurance plan option offers a sum assured ranging from Rs.50,000 to Rs.10 lakh for a policy term of 1, 2, or 3 years.
Activ Health – Enhanced: This plan offers a policy term of 1, 2, or 3 years for the sum insured options ranging from Rs.2 lakh to Rs.200 lakh.
Activ Secure Plans:
Activ Secure – Personal Accident: Basic covers such as Permanent or Partial Disablement, Accident Death Cover, and Permanent Total Disablement where 100% of sum assured provided if insured is left permanently and totally/partially disabled due to an accident or dies due to an accident is offered in this plan.
Activ Secure – Critical Illness: The Critical Illness plan is designed to offer financial assistance when you have been diagnosed with a major or minor critical illness. This plan is available in 3 options, and each option provides varying degrees of coverage.
Activ Secure – Hospital Cash: This plan is designed to help take care of additional expenses that are incured along with hospitalization, which itself can be pretty expensive. Daily Cash Benefit (DCB) will be paid for every 24 hours that the insured spends under hospitalization. This benefit can be opted for a duration of 30 days/45 days/60 days during a single policy year.
Activ Secure – Cancer Secure: This plan offers much needed financial support for any occurrence of cancer, so that you can focus on getting better. In case, the cancer has been detected at an early or minor stage, the policy provides 50% of the sum assured amount. In case of a major stage cancer diagnosis, the policy provides 100% of the sum assured amount. In case, diagnosed with advanced stage cancer, the policy will provide 150% of the sum assured amount. Cumulative Bonus is offered for every claim-free policy year. Additionally, this plan offers the optional coverage of getting a second e-opinion of a specialist.
Activ Assure Diamond: Cover for a number of pre, and post-hospitalization expenses (diagnostic tests, follow-up tests, etc.) for a period of 30 and 60 days respectively along with additional benefits.
Group Insurance Products:
-Group Activ Health: Policy offers comprehensive cover against a range of health-related ailments. Paperwork required to apply for this plan is simple and minimal. Issuing of policy is made quick and easy due to the simple underwriting process. Policyholders can avail cashless claim settlement under this policy.
-Group Activ Secure: The Group Activ Secure plan is a group plan which offers fixed benefits. In case, the policyholder suffers from a health issue which is covered under the scope of the plan, they will be entitled to receive a lump sum benefit. This plan also offers Group Critical Illness cover, Group Personal Accident Cover, and Group Hospital Cash Benefit.
Secure the future of your loved ones, choose Aditya Birla Health Insurance and enjoy the benefits.