As your health partner, we will keep you motivated on your journey towards health and wellness. We reward you for your good health with HealthReturns™ and provide you with support at every stage – with guidance on nutrition, fitness, and lifestyle.
“It feels great when you get something in return for staying healthy”
Our care managers simplify the process of health insurance for you, from explaining policy documents to filing a claim to managing paperwork and discharge during hospitalization. Connect with your care manager on the Activ Health App.
“That little extra care during hospitalization, made me feel valued & happy.”
Get day-to-day tips and guidance from your personal doctor-on-call, medical specialists, dietitians, fitness gurus, and tobacco counselors to keep your health in top condition, always. Get the support you need to better manage chronic conditions like high blood pressure, high cholesterol, and diabetes.
“My diabetes complication was diagnosed by a health coach at the right time.”
A special program to manage the cost of living with four major chronic conditions – asthma, blood pressure, cholesterol, and diabetes. Get Day 1 cashless cover for your OPD expenses of medicines, diagnostic tests, and doctor consultations.
“Health Coaches gave me complete health guidance” My diabetes complication was diagnosed by a health coach at the right time.Reach out to our customer support team on WhatsApp and get your doubts and queries answered instantly.
Health insurance is a policy that covers the medical expenses that you might incur if you suffer an illness or an injury. If you suffer a medical emergency, and it is covered under your health plan, then medical costs will be borne by the insurer.
It is a must to have a comprehensive health insurance plan in India. It safeguards you and your family against unforeseen medical emergencies. It also ensures that you don't end up draining your personal savings on medical bills.
The need for health insurance in India stems from the coverage that the plan provides. Consider these two facts -
When you consider the above factors, a medical emergency has the potential to wipe out your savings. A medical insurance policy, therefore, becomes very important.
Protect your financial savings in a medical emergency
Afford quality healthcare despite medical inflation
Meet the high costs of hospitalization and medical treatments
Save taxes on the premiums paid up to Rs.75,000 under the provisions of Section 80D
Get treated at the best hospitals on a cashless basis
Cover all your family members under the family floater plan
Protect your financial savings in a medical emergency
Afford quality healthcare despite medical inflation
Meet the high costs of hospitalization and medical treatments
Save taxes on the premiums paid up to Rs.75,000 under the provisions of Section 80D
Get treated at the best hospitals on a cashless basis
Cover all your family members under the family floater plan
So, look for the best health insurance policy offered by leading Mediclaim Insurance companies. Choose the most suitable plan that provides all the necessary coverage benefits you need at affordable premiums.
A health insurance policy provides a comprehensive scope of coverage that underlines the various benefits that you can avail of. Have a look at some Mediclaim Insurance benefits -
Hospitalized for an illness or injury? Don't worry about the room rent or the treatment costs if you buy health insurance. Health insurance plans cover the cost of hospitalization, room rent, doctor's fee, treatment charges, nurse's fee, and all the expenses that you might incur when you are hospitalized. Having a comprehensive medical insurance plan with a hospitalization cover can give you peace of mind during such unforeseen events.
If you are being hospitalized, choose a network hospital and you wouldn't have to worry about the hospital bills. The medical insurance policy would settle your bills directly, without you having to shoulder the burden yourself. This eliminates the stress and hassle of arranging funds at short notice to cover exorbitant hospital bills.
Choose family floater plans and get coverage for all your family members. One policy allows umbrella coverage to all your loved ones, so that if anyone falls ill, the policy covers the medical costs. This means that you can rest assured that your family will be taken care of, even in your absence. Some family cover plans also work out to be more affordable, rather than getting individual plans for each family member.
Health insurance plans motivate you to keep regular track of your health. They allow coverage for free health check-ups at regular intervals to keep a tab on your health and catch complications early on. Buying Health Insurance for Parents is very beneficial as it encourages them to take an active interest in their own health, and ensures that they take necessary precautions based on the test results immediately
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With so many Aditya Birla health insurance plans available, choosing the right plan can prove to be a difficult job. But, with the right checklist, you will be prepared to make the right selection.
Here are some quick parameters to find the right health insurance plan in India -
The right sum insuredMedical costs are increasing, every day. So, make sure you choose an optimal sum insured which proves sufficient to cover the exorbitant medical costs. Remember that life expectancy is also increasing, so you may need to plan for health insurance for a longer period.
The right coverage benefitsCheck the coverage benefits that the health insurance plans offer. Choose a plan which offers the most inclusive scope of coverage that also matches your needs. It's tempting to pick a policy with the least premium, but make sure you check the coverage benefits first.
The right premiumNothing is more important than affordable premiums. So, check the coverage and ensure that the premium is commensurate with the coverage provided. Also, ensure that the premium is affordable for you. Since premiums will need to be paid every year or every few years (depending on the terms of the policy), make sure you keep funds aside so that you don't have to run around at the last minute.
Wide network of cashless hospitalsIf a health plan has a wide network of hospitals, you can make a cashless claim easily. So, buy health insurance plans with wide hospital networks. This also means that you will have a seamless claims experience.
Low waiting periodsWaiting periods play a spoilsport when it comes to coverage. So, choose plans which have low waiting periods so that you can get coverage without waiting too long. The last thing you want is a delay in processing the insurance amount in times of great need, so make sure to pick a plan and an insurance company that comes to your aid when you need it the most.
No sub-limitsSub-limits restrict the scope of coverage. The right policy would be the one that has no sub-limits for comprehensive protection.
Trust and goodwillLastly, choose an insurance company that enjoys the trust of its customers and has made its name in the health insurance industry. You might also want to check the claims settlement ratio, so that you don't face any hassles in the future.
With Aditya Birla's digitized services, making health insurance claims has been simplified. Download the Active Health App to register and track your health insurance claims or connect with the company online. You can also call the toll-free number 1800 270 7000 for claims assistance. You can avail of two types of health insurance claims -
If you are admitted to a networked hospital, the medical insurance company pays your medical bills directly to the hospital. For settlement of cashless claims under Aditya Birla health insurance plans, follow these steps -
If you are admitted to a non-networked hospital or if you are unable to make a cashless claim, the health insurance claim would be reimbursed. You should pay your bills yourself when taking treatments. After you are discharged and recover, file your claim and the insurer will reimburse your expenses.
The reimbursement claim process of Aditya Birla health insurance plans is simple and hassle-free, and is as follows -
If you are admitted to a non-networked hospital or if you are unable to make a cashless claim, the health insurance claim would be reimbursed. You should pay your bills yourself when taking treatments. After you are discharged and recover, file your claim and the insurer will reimburse your expenses.
The reimbursement claim process of Aditya Birla health insurance plans is simple and hassle-free, and is as follows -
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Aditya Birla Health Insurance Co. Limited. IRDAI Reg.153. CIN No. U66000MH2015PLC263677. Address:- 9th Floor, Tower 1, One World Centre, Jupiter Mills Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai 400013. Email: care.healthinsurance@adityabirlacapital.com Website: adityabirlahealthinsurance.com Fax: +91 22 6225 7700 Phone: 1800 270 7000. For more details on risk factors, terms and conditions please read terms and conditions carefully before concluding a sale. Trademark/Logo Aditya Birla Capital is owned by Aditya Birla Management Corporation Private Limited and Trademark/logo HealthReturns™, Healthy Heart Score and Active Dayz are owned by Momentum Metropolitan Life Limited (Formerly known as MMI Group Limited). These trademark/Logos are being used by Aditya Birla Health Insurance Co. Limited under licensed user agreement(s). Product and UIN. 1. Group Activ Health (IRDAI/HLT/ABHI/P-H(G)/V.1/19/2016-17); 2. Group Activ Secure (IRDAI/HLT/ABHI/P-H(G)/V.1/18/2016-17); 3. Activ Health (IRDAI/HLT/ABHI/P-H/V.1/32/16-17); 4. Activ Secure (ADIHLIP18076V011718); 5. Activ Assure (ADIHLIP18077V011718); 6. Activ Care, Product UIN: ADIHLIP20001V011920; 7. Group Activ Travel, Product UIN : ADITGBP19020V011819. 8. Acitv Fit, Product UIN : ADIHLIP22008V012223. #Claim settlement ratio for the financial year of 22-23. Tax benefits are subject to changes in tax laws. Figures displayed on homepage are as on September 2023. For more details on risk factors, terms and conditions please read terms and conditions carefully before concluding a sale. Category of Certificate: Health Insurance. Validity of Certificate of Registration: In Force
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