Aditya Birla Health Insurance: Plans, Benefits, Claim Process & Reviews 2025
Health emergencies can arrive uninvited, and that's why having a robust health insurance plan is no longer optional — it's essential. One such trusted provider in India is Aditya Birla Health Insurance. Backed by the Aditya Birla Group, this insurer offers a wide range of health plans tailored to individual, family, and senior citizen needs. Let’s explore why Aditya Birla could be the right health partner for you in 2025.
 |
| Aditya Birla Health Insurance: Plans, Benefits, Claim Process & Reviews 2025 |
🌟 Why Choose Aditya Birla Health Insurance?
- Cashless network of over 10,000+ hospitals
- Chronic management programs for diabetes, asthma, hypertension
- Health returns & wellness rewards
- 100% reload of sum insured for subsequent claims
- Day 1 coverage for some chronic diseases
- Option to avail second opinion & global coverage
📦 Aditya Birla Health Insurance Plans 2025
Here are some of their popular health plans available in 2025:
1. Activ Health Platinum Enhanced
- Sum Insured: ₹5 lakh to ₹2 crore
- Pre & Post Hospitalization: 60 & 180 days
- No Claim Bonus: Up to 50%
2. Activ Fit Plan
- Specifically designed for young and active individuals
- Includes wellness discounts & fitness tracker integration
3. Activ Assure Diamond Plan
- Room rent covered as per actuals
- 100% SI Reinstatement
- Free annual health check-ups
💰 Premium Calculation
The premium depends on multiple factors like age, location, sum insured, and add-ons. For example:
- 30-year-old male, ₹10 lakh SI → approx. ₹9,000/year
- Family floater (2 adults + 1 child), ₹15 lakh SI → approx. ₹21,000/year
📄 Claim Process
Aditya Birla Health Insurance offers both cashless and reimbursement claim options:
Cashless Claims:
- Visit network hospital
- Show your e-card or policy number
- Hospital sends pre-auth request
- Insurer approves and settles bill directly
Reimbursement Claims:
- Pay the hospital bill
- Collect all documents & submit within 15 days
- Claim gets processed in 7–15 working days
🧾 Documents Required for Claim
- Policy copy
- Hospital discharge summary
- Bills & payment receipts
- Prescription & diagnostic reports
- Valid ID proof
📞 Customer Care & Support
- 24/7 helpline: 1800-270-7000
- Email: [email protected]
- Claim status: Check here
🌐 How to Buy Aditya Birla Health Insurance Online?
- Visit: Official Website
- Choose your plan
- Fill personal & health details
- Make online payment
- Policy instantly issued in your email
✅ Pros and Cons
| Pros | Cons |
|---|---|
|
|
📊 Aditya Birla Health Insurance Reviews (2025)
- Customer Rating: ⭐ 4.3/5
- Claim Settlement Ratio (FY 2024-25): 95.1%
- Positive reviews for customer care & fast claim process
🧠 Final Thoughts
Aditya Birla Health Insurance is a reliable option for individuals and families looking for comprehensive health protection. With features like chronic disease management, cashless hospitals, and wellness rewards, it stands out as a modern insurer suited to India’s evolving healthcare needs.
❓ FAQs About Aditya Birla Health Insurance
- Q: Is Aditya Birla Health Insurance IRDAI approved?
A: Yes, it is IRDAI approved and trusted by lakhs of customers across India. - Q: How do I check my claim status?
A: Visit their official website and go to ‘Track Claim’ section. - Q: Can I port my existing policy to Aditya Birla?
A: Yes, portability is allowed under IRDAI rules within 45 days before renewal. - Q: Are pre-existing diseases covered?
A: Yes, after a waiting period of 2–4 years depending on the plan. - Q: Do they offer coverage for maternity?
A: Yes, some plans offer maternity & newborn baby cover. - Q: What is the grace period for renewal?
A: 30 days from the date of expiry. - Q: Can I avail tax benefits?
A: Yes, under Section 80D of the Income Tax Act. - Q: How to download policy PDF?
A: Login to their website → My Policy → Download PDF. - Q: What is HealthReturns™?
A: It’s a wellness reward program offering up to 30% of premiums back. - Q: Is COVID-19 covered?
A: Yes, as per IRDAI guidelines, COVID-19 is covered. - Q: Can I add family members later?
A: Yes, during renewal or via endorsement. - Q: What is the customer service number?
A: 1800-270-7000 (toll-free) - Q: What is waiting period?
A: Usually 30 days (except accidental claims) - Q: Does it cover day care procedures?
A: Yes, 500+ day care procedures are covered. - Q: Can I cancel the policy?
A: Yes, within 15 days free-look period.