Track your Aditya Birla claim status instantly through the online claim tracker or by sending a “Hi” on WhatsApp to +91 88288 00035. Whether you have filed a cashless or reimbursement claim, these channels allow you to quickly check the latest status, document requests, approvals, and settlement updates.
Aditya Birla Health Insurance has a strong 3-year average claim settlement ratio (CSR) of 98.45% (FY 2022–25), reflecting a consistent track record of settling claims.
For policyholders, understanding how claims are processed, the timelines involved, and the available support channels can make the experience smoother. This guide is ideal for Aditya Birla Health Insurance policyholders who want to track claims, understand timelines, and handle claim delays or rejections.
Health insurance claims can be stressful, especially when you're waiting for approvals or settlement updates. Knowing how the claims process works and where to check updates can help you avoid confusion and respond quickly if additional information is required. This article explains the different ways to track your Aditya Birla Health Insurance claim, understand claim timelines, and navigate the process in case of delays or rejections.
If you’d like unbiased guidance on Aditya Birla Health Insurance or its claims process, book a free call or WhatsApp us.
What is Aditya Birla Claim Status?
Aditya Birla Health Insurance claim status shows the current stage of your claim, such as registered, under review, approved, rejected, or awaiting additional documents. The Aditya Birla claim status check online helps you track both cashless and reimbursement claims and stay updated on approvals, document requests, claim settlement progress, and payment status.
How to Check Aditya Birla Claim Status Online?
Step 1: Visit the official Aditya Birla Health Insurance claim tracking portal.
Step 2: Enter your claim number, policy number, or other required details.
Step 3: Verify your identity using the OTP sent to your registered mobile number.
Step 4: View your claim status, including updates such as under review, approved, rejected, additional documents required, or payment processed.
Step 5: If the status is not updated or you need further clarification, contact Aditya Birla Health Insurance customer support for assistance.
Ways to Track Your Aditya Birla Health Insurance Claim
You can track your claim through multiple channels:
Activ Health App: You can track your claim through the Activ Health App. Log in and visit the claims section for real-time updates.
Online Claim Tracker: Enter your ‘Claim Number’ or log in with your registered mobile number on the official claim tracking portal.
WhatsApp: Send “Hi” to +91 88288 00035 and follow the prompts.
SMS and Email: Receive automatic updates on claim registration, approvals, queries, and settlements.
Customer Care: For direct assistance, call 1800-270-7000 and keep your policy number or claim ID handy.
Claim Processing Timelines: Cashless vs Reimbursement Claims
Aditya Birla Health Insurance Claim Timelines
Claim Type
Typical Timeline
Cashless Claims
Pre-authorization approval within 1 hour and discharge approval within 3 hours, as per IRDAI guidelines
Reimbursement Claims
Typically settled within 7–15 working days after receipt of complete documents, although the regulatory maximum is 30 days
Note: Claim timelines may vary based on document verification and claim complexity. Submitting complete and accurate documentation can help avoid unnecessary delays in claim processing.
If you bought your policy through Ditto, our team offers end-to-end claims assistance, including documentation support, claim tracking, insurer coordination, and escalation guidance.
Documents Required for Aditya Birla Claims
1) Documents Required for Cashless Claims
Health insurance card
Valid ID proof
Doctor’s consultation papers
Pre-authorization request form
Hospital admission and treatment records
2) Documents Required for Reimbursement Claims
Duly filled claim form
Original hospital bills and payment receipts
Discharge summary
Diagnostic and medical test reports
Pharmacy bills and invoices
FIR or medico-legal documents, if applicable
KYC documents
Canceled cheque or bank account details
The infographic below highlights the key documents typically required to ensure a smooth and hassle-free health insurance claim process.
CTA
What to Do if Your Aditya Birla Claim Is Rejected?
A claim rejection is not always final and is often caused by documentation issues or policy conditions. The first step is to understand the reason mentioned in the rejection letter. Some common reasons for claim rejection include:
Active waiting periods
Treatments excluded under the policy
Missing or incomplete documents
Hospitalization is considered medically unnecessary
Non-disclosure of pre-existing illnesses
Steps to Take After a Claim Rejection
01
Review the Rejection Letter
Check the rejection letter to identify the exact reason for denial, such as policy exclusions, waiting periods, non-disclosure, or missing documents.
02
Submit Missing Documents or Clarifications
If the rejection is due to incomplete information, submit the requested documents, such as discharge summaries, diagnostic reports, bills, or medical records.
03
File an Internal Grievance
If you disagree with the decision, raise a complaint through Aditya Birla Health Insurance's grievance redressal system and attach all supporting documents.
04
Escalate the Matter
If the insurer does not resolve your grievance satisfactorily, escalate the matter through IRDAI's grievance platform.
05
Approach the Insurance Ombudsman
If the dispute remains unresolved, you can file a complaint with the Insurance Ombudsman for independent review and resolution.
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Aditya Birla Health Insurance allows policyholders to track both cashless and reimbursement claims through its website, mobile app, and WhatsApp service. Regularly checking your claim status can help you stay up to date on approvals, document requests, settlement progress, and payment updates.
To avoid delays, ensure that all required documents are submitted accurately and on time. If a claim is rejected, reviewing the reason and following the insurer’s grievance process can help resolve the issue efficiently.
How do I check my Aditya Birla Health Insurance claim status online?
You can check your Aditya Birla Health Insurance claim status through the official claim tracker portal by entering your Claim ID. The portal displays the latest update on your cashless or reimbursement claim. Customers can also track claims through WhatsApp, the Activ Health mobile app, or by contacting customer care. If the claim status does not update immediately, it is advisable to wait a few hours and check again, as claim processing updates may take time to appear in the system.
What is the claim settlement ratio of Aditya Birla Health Insurance?
The Aditya Birla Health Insurance claim settlement ratio (CSR) for FY 2024-25 stands at 95.88%. The insurer has maintained this strong performance consistently, with an average ratio of 95.81% over the period 2022–2025. This indicates that the insurer settles a large majority of claims received from policyholders. The insurer also reports relatively lower complaint volumes than many competitors, reflecting a smoother customer claims experience. However, when evaluating an insurer, policyholders should also consider factors such as policy exclusions, hospital networks, customer support, and overall claims-servicing experience.
How long does Aditya Birla take to settle reimbursement claims?
Aditya Birla Health Insurance generally settles reimbursement claims within 7 working days after receiving all required documents. However, depending on the complexity of the claim or the need for additional verification, the process may take longer. Incomplete documentation is one of the most common reasons for delays. To speed up claim settlement, policyholders should submit original hospital bills, discharge summaries, diagnostic reports, prescriptions, bank account details, and all supporting paperwork together. Keeping documents organized from the beginning of hospitalization can significantly reduce processing delays.
What is the deadline for submitting a reimbursement claim?
Policyholders are usually required to submit reimbursement claims within 15 days of discharge from the hospital. However, if there is a genuine reason for delay, the insurer may still consider the claim. Check the policy wording and submit an explanation with supporting documents. In emergency situations where delays occur due to medical reasons, customers may still request consideration by providing valid explanations and supporting medical documents. To avoid last-minute issues, it is advisable to start collecting and organizing all hospital bills, reports, and prescriptions during hospitalization.
Can I track both cashless and reimbursement claims on the same portal?
Yes, Aditya Birla Health Insurance allows customers to track both cashless and reimbursement claims through the same online claim tracking portal. Policyholders simply need their Claim ID to view the latest status updates. The portal typically shows whether the claim is under review, approved, awaiting additional documents, or settled. Customers can also use the Activ Health app or WhatsApp support for tracking claims. All these channels are connected to the insurer’s central claim system and usually provide similar real-time claim status updates.
What are the common reasons for Aditya Birla claim rejection?
Health insurance claims may be rejected for several reasons, including active waiting periods, policy exclusions, incomplete documents, medically unnecessary hospitalization, or non-disclosure of pre-existing conditions at the time of policy purchase. Documentation issues are among the most common and fixable reasons for rejection. If a claim is denied due to missing paperwork, policyholders may still have the opportunity to resubmit the required documents. However, claims rejected due to exclusions or waiting periods are usually more difficult to reverse or successfully challenge.
What should I do if my Aditya Birla claim gets rejected?
If your claim gets rejected, start by carefully reading the rejection letter to understand the exact reason provided by the insurer. If the issue relates to incomplete documents or insufficient information, submit the required paperwork immediately. If you believe the rejection is unfair, you can raise a formal grievance with Aditya Birla Health Insurance. If the matter remains unresolved, policyholders can escalate the complaint to IRDAI or approach the Insurance Ombudsman. Keeping copies of all documents and communication records is important during the grievance process.
Does Aditya Birla offer cashless claims at non-network hospitals?
Yes, Aditya Birla Health Insurance offers a “Cashless Anywhere” facility under specific conditions, even at certain non-network hospitals. This is generally available during emergencies or planned hospitalizations if the insurer is informed within the required timeline. Policyholders are usually advised to contact customer support before admission for planned treatments or within a specified period during emergencies. If approval is not obtained on time, customers may have to pay hospital expenses first and later file a reimbursement claim with the insurer.
What documents are required for a reimbursement claim?
For reimbursement claims, policyholders generally need to submit a completed claim form, original hospital bills, payment receipts, discharge summary, diagnostic reports, pharmacy invoices, prescriptions, ID proof, bank account details, and a canceled cheque. Additional documents, such as FIRs or medico-legal certificates, may also be required in accident-related cases. Missing even a single important document can delay claim processing or lead to rejection. Safely keeping all original records from the first day of hospitalization can make the reimbursement process much smoother and faster.
How does the Aditya Birla cashless claim process work?
For cashless hospitalization at a network hospital, policyholders must present their health insurance card and valid ID proof at the hospital’s insurance desk. The hospital then submits a pre-authorization request to Aditya Birla Health Insurance on the patient's behalf. Once the insurer reviews and approves the request, eligible medical expenses are settled directly with the hospital. The customer only needs to pay non-covered charges, if any. Planned hospitalizations should ideally be informed in advance, while emergency admissions can be notified during or shortly after admission.
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