Health Insurance
Aditya Birla
Aditya Birla Health Insurance is a joint venture between Aditya Birla Capital and MMI Holdings of South Africa. The company started its operations in 2016 and has brought out various health insurance policies catering to individuals and senior citizens. It has policies that cover chronic disease (like diabetes, blood Pressure, etc) management and incentive programs that reward users for being healthy. It has a vast network of cashless hospitals.
Aditya Birla Health insurance plans
Activ Care Classic
Activ Care Classic could be a good policy if you’re 55+, with pre-existing complications or if nobody is willing to insure you. However, if you have other alternatives, this policy could be a letdown, considering the policy has some unsavoury conditions including restrictions on room rent. So do read more below.
Activ Care Premier
Activ Care Premier could be a good policy if you’re 55+, with pre-existing complications or if nobody is willing to insure you. However, if you have other alternatives, this policy could be a letdown, considering the policy has some unsavoury conditions. So do read more below.
Activ Health Platinum Enhanced
Activ health platinum enhanced is a decent policy. It has a few benefits and it gives you the option to avail comprehensive coverage. So if you picked the right options at the time of buying the policy, then this could be a good pick for you.
Activ Fit Plus
This plan is specially curated for young audiences who are into fitness. It has special discounts on both first-year premiums and renewal premiums based on medical evaluations or a fitness regime matrix. It also offers online consultations for mental illnesses based on medical evaluation. All in all, it is a good plan with good features, no outrageous conditions, so long as you're under 45.
Activ One NXT
Activ One NXT is a variant within the Activ One policy series and it is perhaps the least appealing option within the lot. While the base features are pretty okay, you do miss out on a loyalty bonus, which you can find in both Active One Max and Active One Max+. You also have to contend with a pre-existing disease waiting period of 4 years and the only upside here is that you get the Super Reload Benefit which essentially means you will 2x the cover you opted for from day 1.
Activ One MAX
Activ One Max is a variant within the Activ One policy series. This series allows customization over a base plan letting users pick and choose add-ons and Active One Max is the base plan. It includes several notable features, such as an exceptional bonus system and built-in consumable coverage. Additionally, it provides up to a 100% discount on renewal premiums, contingent upon adherence to a designated fitness regimen. If you are looking for an affordable plan with decent features, this could be a pretty good fit even without the customization
Activ One MAX+
Activ One Max+ is a variant within the Activ One policy series. It includes the base plan with a couple of extra benefits. Within the annual health check up list you will see 2 extra tests and it will cover costs associated with wheelchairs, walkers, hearing aids, etc if it is deemed medically necessary (with an explicit approval from a doctor). However comparing the costs and the restrictions involved in claiming the extra benefits, perhaps just the base plan i.e. Activ One Max (without the +) becomes a better option.
Activ One SAVR
Aditya Birla Activ One SAVR is one of the 7 variants from the series of Aditya Birla Activ One. This variant is comprehensive and is a great pick overall. Apart from the PED waiting period of 3 years, which is a tad bit longer (2 years would have been better) than expected, the plan has no caveats. And while the policy doesn’t offer any over-the-top features like maternity or international coverage, it covers all the bases and has nominal restrictions. Additionally, as a couple of unique perks, the policy also offers a Hospital Cash Cover for parents or parents-in-law and an in-built loyalty bonus of 100% to 500%. Overall - a solid pick!
Activ Care Standard
Activ Care Standard could be a good policy if you’re 55+, with pre-existing complications or if nobody is willing to insure you. However, if you have other alternatives, this policy could be a letdown, considering the policy has some unsavoury conditions including restrictions on room rent. So do read more below.
Activ Health Platinum Essential
Activ health platinum essential is fairly economical and it does an okay job. But once you're hospitalized, they'll make you split the bill, they might not offer the full cover for some treatments and they'll make you wait 4 years before covering complications arising out of pre-existing illnesses.
Activ Fit Preferred
This plan is specially curated for young audiences who are into fitness and it is slightly more robust than its counterpart Activ Fit Plus. It has special discounts on both first-year premiums and renewal premiums based on medical evaluations or a fitness regime matrix. It covers online consultations for mental illnesses based on medical evaluation and it even offers maternity coverage (to a certain extent) on top. All in all, a pretty good plan for people under 45 and those seeking maternity protection.
Activ One VYTL
Activ One VYTL is a comprehensive variant within the Activ One policy series. You get all the benefits you get with Active One Max (the base plan) and day-1 coverage for 7 conditions including common lifestyle diseases like Diabetes Mellitus and Hypertension. You also get coverage for certain diagnostic tests as specified in the application and if you are somebody with a lifestyle condition listed in the policy document, this product could be an excellent fit.
Activ One VIP
Activ One VIP is a premium variant within the Activ One policy series. It includes most of the comprehensive features that Active One Max (base plan) offers. And it extends coverage for maternity and international treatments (excluding USA and Canada) within certain limits. And while these features are nice to have, the added premiums you'll be expected to pay for the VIP plan may not always be worth it, unless you're specifically looking for maternity or international coverage.
Activ One VIP+
Activ One VIP+ is a super premium variant within the Activ One policy series. It includes most of the comprehensive features that Active One Max (base plan) offers. And it extends coverage for maternity and international treatments (including USA and Canada) albeit with slight improvements over the plain vanilla VIP plan. And while these features are nice to have, the added premiums you'll be expected to pay for this super premium variant may not always be worth it, unless you're specifically looking for a robust maternity or international coverage.
Super Health Plus Top-Up
Aditya Birla Super Health Plus Top Up is a pretty decent super top up plan. It offers a wide range of deductible options (5L, 7L, 10L, 15L). Offers comprehensive cover options of upto 95 Lakhs and doesn’t impose any restrictions on the kind of room you can pick (which most super top-up policies do). The only downside is that Aditya Birla Health Insurance Company doesn’t have an extensive track record.
Activ Assured Diamond
Activ Assured Diamond is a decent policy. And while it covers most bases, it does make you wait 4 years before covering complications arising out of pre-existing diseases (like diabetes). So you might want to read more.
Aditya Birla Health insurance claim process
Aditya Birla claims can be of different types based on the hospital in which you are getting the treatment. If it’s part of Aditya Birla's network hospitals, you can get a “Cashless claim” in which insurance company directly pays the bills to the hospital. But if your choice of hospital is not part of their network, then you have to pay the bills and apply for reimbursement claim. Here’s a brief process for both types of claims:
Cashless Claims
Inform the Hospital Desk
All network hospitals have an insurance desk. You can submit your policy copy (even soft copy works), ID proof, initial diagnosis report and the insurance desk will request the insurance company for “pre-authorization”. In case of planned treatments, you need to do this process 2 days before hospitalization
Insurer’s decision
Based on the provided documents, insurance company approve the claim and the hospital will start the treatment and they will co-ordinate with insurer for the treatment costs. In case of Cashless claim rejection, you can still go ahead with the treatment. In this case, you will need to pay the bills initially and can file for a reimbursement claim later
Discharge
If your cashless claim is approved, at the time of discharge, the insurance company will do the final settlement with the hospital and once that is sorted, you are good to go.
Reimbursement Claims
Inform the insurance company
For any planned treatments, you need to inform the insurance company 2 days before hospitalisation. In case of emergency, you can inform within 24 hours of admission. Insurance company will acknowledge the intimation.
Hospitalization
You need to submit a insurance claim form along with original copies of hospital bills, doctor consultation reports, and diagonstic reports.
File the claim
Within 30 days post discharge, you can initiate the claim online or at any of the registered offices of the insurance company. You need to fill a claim form and attach all the reports and bills.
Insurer’s decision
Based on the claim form and submitted documents, insurance company will settle the claims as per policy terms and conditions.
Aditya Birla Health Insurance Renewal
Firstly, if you’ve purchased the policy online, you’ll always receive an intimation e-mail from the insurer around 30 days before the renewal date. The e-mail will have a renewal link that will directly take you to the page where you can make the payment and check policy details. And it’s done. You’ll receive the policy document via e-mail.
However, in case you choose to do it on your own, here’s what you need to do:
Visit the website
Visit the Aditya Birla website and then go to the Renewal section here.
Enter details
You’d be asked to provide your current policy number which you can find in the policy soft copy. You may as well be asked to enter your mobile number, email ID, Date of Birth or policy expiry date.
Review and edit the policy details
Next, you’ll be able to see details of your new policy and the renewal premium you need to pay. Also, you’ll be given the option to make some changes related to sum insured, existing covered members, etc.
Complete the payment and it’s done
Once you confirm the details, you’ll be directed to the payment gateway. Once the payment is complete, you’ll receive your new policy soft copy via e-mail.
Few things to consider when renewing your Aditya Birla health insurance policy
- If you want to increase your Sum Insured, now is the time. You can’t do it anytime during the year.
- If you didn’t make a claim in the past year, make sure you have been given a no-claim bonus if your policy offers it.
- If you want to add members like your spouse or kids, you have the option to do so only at the time of renewal. So do give this a thought.
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