Aditya Birla Health Insurance Reviews, Ratings, Best Plans and USPs

Aditya Birla Health Insurance

Aditya Birla Capital is part of the Aditya Birla Group. It has various subsidiary companies that offer different insurance solutions. Life insurance is offered by the Aditya Birla Sun Life Insurance Company Ltd., health insurance is offered by Aditya Birla Health Insurance Co. Ltd. Whereas, motor insurance and travel insurance is the responsibility of Aditya Birla Insurance Brokers Ltd. Moreover, they carry decades of expertise with roots tracing back to the nascent corporate group founded in 1857. However, they ventured into providing diverse life, health, motor, and travel insurance solutions only in the year 2000.

As a leading insurance and multinational financial company, Aditya Birla Capital has won several accolades for its quality of services and products. Moreover, they are one of the few Indian origin insurance companies to fall into the league of companies recognized by Fortune 500. With a claim paying ability of 96% in the year 2019-2020 and a consistent claim settlement ratio of above 90% through the years, you have a high chance of getting your claim settled with Aditya Birla Capital Insurance.

    Prepare today for a relaxed and secure future.

    Check out the best health insurance plans here:

    Policy Type

    IndividualFloater

    High claim settlement ratio (CSR):

    Aditya Birla Capital has a high life insurance and health insurance claim settlement ratio. Its life insurance CSR was 97.54% in the financial year 2019-2020 and the health insurance CSR was 96%. The CSR is the number of insurance claims settled by an insurer in a year – and the higher the ratio is, the better are your chances of receiving your money’s worth.

     

    Comprehensive Insurance Policies

    Aditya Birla Capital ensures that its customers don’t have any shortage of choices and that no one is left out when it comes to receiving insurance protection. They have a comprehensive range of insurance plans to fit every individual need and budget.

     

    Additional programs, benefits, and rewards

    Not only does Aditya Birla Capital offer a diverse range of insurance policies, it also has a network of curated wellness programs, chronic disease management programs, health rewards and incentive programs, health guidance coaches, health assessment bookings, care managers, and their unique yet customizable application called Activ Health. Moreover, they have a list of resources on hospital networks, diagnostic centers, pharmacy service centers, and fitness centers including gym, zumba, yoga, dance, and other fitness centers. They also publish blogs on fitness, lifestyle, nutrition and the different kinds of insurance so that customers can clear their doubts on any subject.

     

    Quick turnaround time and 24x7 customer support

    For Aditya Birla Capital, the customer always comes first. Apart from having a quick turnaround time for cashless health claims (around 2 hours) they have customer support teams working 24x7 to answer doubts, clarify issues, and address any other concerns on email, call or WhatsApp and SMS.

    1.    Health Insurance Plans

    • Activ Health Platinum Essential
    • Activ Health Platinum Enhanced
    • Activ Health Platinum Premiere
    • Activ Secure Critical Illness Plan
    • Activ Secure Personal Accident Plan
    • Activ Secure Cancer Plan
    • Active Care Classic
    • Active Care Standard
    • Active Care Premiere
    • Activ Assure Diamond Health Plan
    • Activ Assure Diamond + Super Health Top-up
    • Group Activ Health Plan
    • Corona Kavach Policy
    • Arogya Sanjeevani Policy
    • Global Health Secure

    Health Insurance Plan

    Entry age

    (Minimum and maximum)

    Premium rate

    Sum insured (SI)

    (Minimum and maximum)

    Scope of coverage

    Activ Health Platinum Essential Plan

     

    The minimum entry age for adults is 18 years and for children is 91 days.

    There is no maximum entry age

    Rs. 6,780 per year

    Minimum SI = Rs. 50,000

    Maximum SI = Rs. 1,00,00,000

    •  In-patient hospitalization
    • Pre and post hospitalization
    • Domiciliary (home) hospitalization
    • Daycare treatments
    • Ambulance charges
    • Alternate treatments
    • Mental illness treatment
    • Obesity treatment
    • Chronic health management program
    • Chronic illness treatment for:
    • Diabetes
    • Asthma
    • High blood pressure
    • High cholesterol

    Activ Health Platinum Enhanced Plan

     

    The minimum entry age for adults is 18 years and for children is 91 days.

    There is no maximum entry age

    Rs. 7,722 per year

    Minimum SI = Rs. 2,00,000

    Maximum SI = Rs. 2,00,00,000

    • Pre and post-hospitalization
    • Domiciliary hospitalization
    • Daycare treatments
    • Organ donor expenses
    • Ambulance charges
    • Dental treatment
    • Modern treatments
    • Mental illness treatment

     

    Activ Health Platinum Premiere

     

    The minimum entry age for adults is 18 years and for children is 91 days.

    The maximum entry age is 65 years

    Rs. 31,145 per year

    Minimum SI = Rs. 10,00,000

    Maximum SI = Rs. 2,00,00,000

    • Pre and post-hospitalization
    • Domiciliary hospitalization
    • Daycare treatments
    • Organ donor expenses
    • Ambulance charges
    • Dental treatment
    • Obesity treatment
    • Physiotherapy expenses
    • Modern treatments
    • Mental illness treatment

     

    Activ Secure Critical Illness Plan

     

    The minimum entry age for adults and children is 5 years for Plan 1 and 2 and 18 years for plan 3.

    The maximum entry age is 65 years

    Rs. 5,463 per year

    Minimum SI = Rs. 1,00,000

    Maximum SI = Rs. 1,00,00,000

    • Lump-sum payment of the SI
    • 64 critical illnesses
    • Wellness coach

     

    Activ Secure Personal Accident Plan

    The minimum entry age for adults and children is 5 years.

    The maximum entry age is 65 years

    Rs. 212 per year

    Minimum SI = Rs. 2,00,000

    Maximum SI = Rs. 2,00,00,000

    • Accidents
    • Permanent total and partial disabilities arising out of an accident
    • Temporary disablement
    • Loan repayment support
    • Child education benefit
    • Job loss benefit
    • In-patient hospitalization expenses

    Activ Secure Cancer Plan

     

    The minimum entry age for adults and children is 18 years.

    The maximum entry age is 65 years

    Rs. 428 per year

    Minimum SI = Rs. 2,00,000

    Maximum SI = Rs. 2,00,00,000

    • 3 stages of cancer – Early stage, Major stage, and advanced stage
    • Lump-sum payout of the SI on the diagnosis of cancer
    • Additional SI for advanced stage cancer

    Active Care Classic

     

    The minimum entry age is 55 years.

    The maximum entry age is 80 years

    Rs. 21,916 per year

    Minimum SI = Rs. 2,00,000

    Maximum SI = Rs. 2,00,00,000

    • Senior-citizen needs
    • In-patient hospitalization
    • Pre and post-hospitalization
    • Domiciliary hospitalization
    • Daycare treatments
    • Alternative treatments
    • Organ donor expenses
    • Ambulance charges
    • Comprehensive health check-up
    • Personal health coach

    Active Care Standard

     

    The minimum entry age is 55 years.

    The maximum entry age is 80 years

    Rs. 24,202 per year

    Minimum SI = Rs. 2,00,000

    Maximum SI = Rs. 2,00,00,000

    • Senior-citizen needs
    • Pre and post-hospitalization
    • In-patient hospitalization
    • Domiciliary hospitalization
    • Daycare treatments
    • Organ donor expenses
    • Alternative treatments
    • Ambulance charges
    • Comprehensive health check-up
    • Personal health coach
    • International coverage
    • Home nursing

    Active Care Premiere

     

    The minimum entry age is 55 years.

    The maximum entry age is 80 years

    Rs. 38,362 per year

    Minimum SI = Rs. 2,00,000

    Maximum SI = Rs. 2,00,00,000

    • Senior-citizen needs
    • In-patient hospitalization
    • Pre and post-hospitalization
    • Domiciliary hospitalization
    • Daycare treatments
    • Organ donor expenses
    • Alternative treatments
    • Lifestyle support equipment
    • OPD treatment
    • Ambulance charges
    • Comprehensive health check-up
    • Personal health coach
    • International coverage
    • Home nursing

    Activ Assured Diamond Health Plan

     

    The minimum entry age for adults is 18 years and for children is 91 days.

    The maximum entry age is 65 years.

    Rs. 6,371 per year

    Minimum SI = Rs. 2,00,000

    Maximum SI = Rs. 2,00,00,000

    • In-patient hospitalization
    • Pre and post-hospitalization
    • Domiciliary hospitalization
    • Daycare treatments
    • Alternative treatments
    • Organ donor expenses
    • Ambulance charges
    • Cancer and accident hospitalization
    • International coverage

    Activ Assured Diamond+ Super Health Top-up

    The minimum entry age is 91 days, 5 years, or 25 years.

    The maximum entry age is 65 years.

    Rs. 10,768 per year

    Minimum SI = Rs. 3,00,000

    Maximum SI = Rs. 1,00,00,000

    • In-patient hospitalization
    • Pre and post-hospitalization
    • Domiciliary hospitalization
    • Daycare treatments
    • Alternative treatments
    • Organ donor expenses
    • Ambulance charges
    • International coverage

     

    Group Activ Health Plan

     

    Unspecified

    As per the policy quote

    Minimum SI = Rs. 2,00,000

    Maximum SI = Rs. 2,00,00,000

    • Corporate group health needs
    • In-patient hospitalization
    • Pre and post-hospitalization
    • Domiciliary hospitalization
    • Daycare treatments
    • Alternative treatments
    • Organ donor expenses
    • Ambulance charges

    Corona Kavach Policy

    The minimum entry age is 1 day – 25 years.

    There is no maximum entry age.

    Rs. 2,486 per year

    Minimum SI = Rs. 50,000

    Maximum SI = Rs. 5,00,000

    • COVID-19 treatment
    • In-patient hospitalization
    • Pre and post-hospitalization
    • Domiciliary hospitalization
    • Comorbidity treatment
    • Alternative treatments
    • Ambulance charges

    Arogya Sanjeevani Policy

    The minimum entry age is 18 years.

    The maximum entry age is 65 years.

    Rs. 5,117 per year

    Minimum SI = Rs. 1,00,000

    Maximum SI = Rs. 5,00,000

    • In-patient hospitalization
    • Pre and post-hospitalization
    • Domiciliary hospitalization
    • Daycare treatments
    • Organ donor expenses
    • Alternative treatments
    • Ambulance charges

    Global Health Secure

    The minimum entry age is 18 years.

    The maximum entry age is 65 years.

    Rs. 12,917 per year

    Minimum SI = Rs. 1,00,000

    Maximum SI = Rs. 5,00,000

    • In-patient hospitalization
    • Post-hospitalization
    • Organ donor expenses
    • Travel and accommodation expenses
    • Visa documentation guidance
    • International second medical opinion

    2.    Life Insurance Plans

    Term Insurance Plans

    • Aditya Birla Sun Life Insurance (ABSLI) Life Shield Plan
    • ABSLI DigiShield Plan
    • ABSLI Saral Jeevan Bima

     

    Policy Term

    Entry age

    Maturity age

    Sum assured (SA) (Minimum and maximum)

    Benefits offered

    ABSLI Life Shield Plan

    10-55 years

    18-65 years

    85 years

    Minimum SA = Rs. 25,00,000.

    Maximum SA = no limit.

    8 plan options

    Joint (spousal) life protection

    Guaranteed death benefit

    Return of premiums paid

    Terminal illness benefit

    5 additional riders

    ABSLI DigiShield Plan

    5-55 years

    18-65 years

    85 years

    Minimum SA = Rs. 30,00,000.

    Maximum SA = no limit.

    10 plan options

    Guaranteed death benefit

    Survival benefit

    Maturity benefit

    Critical illness benefit

    Terminal illness benefit

    6 additional riders

    ABSLI Saral Jeevan Bima

     

    5-40 years

    18-65 years

    70 years

    Minimum SA = Rs. 5,00,000.

    Maximum SA = Rs. 25,00,000

    Simple and affordable plan

    Guaranteed death benefit

    1 additional rider

     

    Retirement Plans

    • ABSLI Immediate Annuity Plan
    • ABSLI Empower Pension Plan
    • ABSLI Empower Pension SP Plan

     

    Entry age

    Policy term/

    Accumulation period

    Benefits offered

    ABSLI Immediate Annuity Plan

    30-90 years

    5-20 years

    Guaranteed regular income payouts

    Multiple payout options

    No medical tests required

     

    ABSLI Empower Pension Plan

    25-70 years

    5-30 years

    Guaranteed death benefit

    Surrender benefit

    Vesting benefit

    Guaranteed additions

    ABSLI Empower Pension SP Plan

     

    25-70 years

    5-20 years

    Guaranteed death benefit

    Surrender benefit

    Vesting benefit

    Guaranteed additions

     

    Health Plans

    • ABSLI Cancer Shield Plan
    • ABSLI CritiShield Plan

     

    Policy Term

    Entry age

    Maturity age

    Sum assured

    Benefits offered

    ABSLI Cancer Shield Plan

    5-50 years

    18-65 years

    85 years

    Minimum SA = Rs. 10,00,000.

    Maximum SA = Rs. 50,00,000

    Coverage for all stages of cancer

    Option to receive monthly income payouts

    Waiver of premium benefit

    Income benefit

    ABSLI CritiShield Plan

    5-50 years

    18-65 years

    85 years

    Minimum SA = Rs. 10,00,000.

    Maximum SA = Rs. 50,00,000

    Payout of the benefit for all cardiac and renal ailments

    Option to receive monthly income payouts

    Waiver of the premium on the diagnosis of the cardiac/renal ailment

     

    Child Plans

    • ABSLI Vision Star Plan
    • ABSLI Child’s Future Assured Plan

     

    Policy Term

    Entry age

    Maturity age

    Sum assured

    Benefits offered

    ABSLI Vision Star Plan

    14-23 years

    18-55 years

    75 years

    Minimum SA = Rs. 1,00,000.

    Maximum SA = Rs. 8,00,000 and above.

    Regular income payouts

    Death benefit

    Maturity benefit

    Reduced paid-up benefits

    6 additional riders

    ABSLI Child’s Future Assured Plan

    10-32 years

    18-65 years

    75 years

    Minimum SA = Rs. 4,00,000.

    Maximum SA = No limit.

    Education milestone benefit

    Marriage milestone benefit

    Maturity benefit

    Death benefit

    6 additional riders

     

    Savings Plans

    • ABSLI Assured Income Plus Plan
    • ABSLI Vision Life Income Plus Plan
    • ABSLI SecurePlus Plan
    • ABSLI Guaranteed Milestone Plan
    • ABSLI Assured FlexiSavings Plan
    • ABSLI Vision Money Back Plus Plan
    • ABSLI Vision Life Income Plan
    • ABSLI Savings Plan
    • ABSLI Vision Life Secure Plan
    • ABSLI Income Assured Plan
    • ABSLI Vision Endowment Plus Plan
    • ABSLI Jeevan Bachat Plan
    • ABSLI Monthly Income Plan

     

    Policy Term

    Entry age

    Maturity age

    Sum assured

    ABSLI Assured Income Plus Plan

    7-13 years (Benefit payout period is between 20-30 years)

    5-60 years

    18-73 years

    Minimum SA = Rs. 5,50,000

    Maximum SA depends on the insurer.

    ABSLI Vision Life Income Plus Plan

    8-45 years

    30 days-55 years

    18-100 years

    Minimum SA = Rs. 2,00,000

    No limit on the maximum SA.

    ABSLI SecurePlus Plan

    13 years

    5-50 years

    63 years

    Minimum SA = Rs. 5,22,000

    Maximum SA depends on the insurer.

    ABSLI Guaranteed Milestone Plan

    12-26 years

    30 days-60 years

    18 years for children

    Adult maturity age not specified

    Minimum SA = Rs. 2,25,000

    Maximum SA is 15 times the annualized premium.

    ABSLI Assured FlexiSavings Plan

    17-26 years

    4-86 years

    18-86 years

    Minimum SA = Rs. 5,50,000

    No maximum SA limit.

    ABSLI Vision Money Back Plus Plan

    20-25 years

    13-45 years

    Not applicable

    Minimum SA = Rs. 1,00,000

    Maximum SA =

    Rs. 8,00,000 and above.

    ABSLI Vision Life Income Plan

    15-35 years

    30 days-60 years

    Not applicable

    Minimum SA = Rs. 2,00,000

    Maximum SA =

    Rs. 8,00,000 and above.

    ABSLI Savings Plan

    10-20 years

    18-50 years

    70 years

    Minimum SA = Rs. 30,000

    Maximum SA = Rs. 10,00,000

    ABSLI Vision Life Secure Plan

    15-35 years

    30 days-60 years

    18-75 years

    Minimum SA = Rs. 2,00,000

    Maximum SA =

    Rs. 8,00,000 and above.

    ABSLI Income Assured Plan

    15-25 years

    8-60 years

    75 years

    Minimum SA = Rs. 1,00,000

    Maximum SA =

    Rs. 8,00,000 and above.

    ABSLI Vision Endowment Plus Plan

    10-40 years

    30 days-60 years

    70 years

    Minimum SA = Rs. 1,00,000.

    Maximum SA =

    Rs. 8,00,000 and above.

    ABSLI Jeevan Bachat Plan

    10-15 years

    1-55 years

    18-65 years

    Minimum SA = Rs. 25,000. Maximum SA =

    Rs. 10,00,000

    ABSLI Monthly Income Plan

    20-37 years

    18-55 years

    80 years

    Minimum SA = Rs. 4,00,000.

    Maximum SA =

    Rs. 8,00,000 and above.

     

    Unit-Linked Insurance Plans (ULIP)

    • ABSLI Wealth Infinia
    • ABSLI Wealth Assure Plus
    • ABSLI Wealth Max Plan
    • ABSLI Wealth Secure Plan
    • ABSLI Fortune Elite Plan
    • ABSLI Wealth Aspire Plan

     

    Policy Term

    Entry age

    Maturity age

    Sum assured

    ABSLI Wealth Infinia

    10-30 years

    30 days-65 years

    100 years

    Minimum SA = 6,25,000

    No limit on the maximum SA

    ABSLI Wealth Assure Plus

    15-35 years

    30 days-55 years

    18-75 years

    Minimum SA = Rs. 2,40,000 per year

    Maximum SA = Not specified

    ABSLI Wealth Max Plan

    5-20 years

    30 days-70 years

    18 years for children.

    SA = Maximum of 10 times the basic premium

    ABSLI Wealth Secure Plan

    Whole life

    30 days-65 years

    18-75 years

    SA = 10 times the annualized premium and the total investment fund value.

    ABSLI Fortune Elite Plan

    10-40 years

    30 days-65 years

    18-75 years

    SA = 10 times the annualized premium and the total investment fund value.

    ABSLI Wealth Aspire Plan

     

    10-40 years

    30 days-65 years

    18-60 years

    SA = 10 times the annualized premium and the total investment fund value.

     

    Group Insurance Plans (exceeding wc limit)

    1. Protection Solutions
    • Employer Employee
    • Voluntary
    • Affinity
    • Credit Life
    1. Retirement Solutions
    • Annuity Scheme
    • Gratuity
    • Leave Encashment
    • Post-Retirement Medical Benefits Scheme
    • Superannuation

     

    Policy Term

    Entry age

    Maturity age

    Sum assured

    Employer Employee

     

     

     

     

    Voluntary

     

     

     

     

    Affinity

     

     

     

     

    Credit Life

     

     

     

     

    Annuity scheme

     

     

     

     

    Gratuity

     

     

     

     

    Leave Encashment

     

     

     

     

    Post-Retirement Medical Benefits Scheme

     

     

     

     

    Superannuation

     

     

     

     

     

     

    Best Insurance Policies offered by Aditya Birla Capital Insurance

    Top Health Insurance Plans

    • Activ Assured Diamond
    • Activ Health Platinum Enhanced
    • Activ Assured Diamond+ Super Health Top-up
    • Activ Care Classic
    • Activ Health Platinum Essential


    National and Global presence –

    Nationwide and across 46 countries

    Industry standards –

    Tentative market share up to 2020 = 2.18%

    Revenue in 2020 = Rs. 4,31,00,000

    Premium in 2020 = Rs. 35,63,00,000

    Aggregate assets under management = 3,300 billion

    Active customer base of 21 million and counting

    Brand ratings = 4.5/5

    Customer ratings = 4-5/5

    Aditya Birla FAQs

    1. What do alternative treatments include in Aditya Birla Health Insurance?

    As opposed to allopathic treatment, alternative treatments include non-allopathic forms of treatment systems that have traditional roots. These include Ayurveda, Unani, Siddha, Homeopathy and Naturopathy treatment systems and practices.

    2. Which add-on riders can you get with Aditya Birla’s Term Life Insurance Plans?

    Aditya Birla’s Term Life Insurance Plans offer up to 6 additional riders for extra protection during
    unforeseen life eventualities. These include the:
    ● ABSLI Accidental Death Benefit Rider Plus
    ● ABSLI Accidental Death and Disability Rider
    ● ABSLI Critical Illness Rider
    ● ABSLI Hospital Care Rider
    ● ABSLI Surgical Care Rider
    ● ABSLI Waiver of Premium Rider

    3. What does Aditya Birla Health Insurance not cover in its Health Insurance Plans?

    Aditya Birla Health Insurance does not cover the following treatments, illnesses, and procedures in
    its health insurance plans:
    ● Cosmetic or plastic surgery
    ● HIV/ AIDS treatment
    ● Non-medical items/ expenses
    ● Laser treatment

    ● Illness/ injury arising from alcohol or drug overdose
    ● Treatment taken outside of India
    ● Injury/ illness arising from engaging in a hazardous or adventure activity
    ● Hereditary diseases
    ● Gender change treatments
    ● Any other treatment/ illness/ procedure mentioned in the policy wordings

    4. Do you get any tax benefits with Aditya Birla life insurance and health insurance plans?

    Yes, you get tax benefits on the premiums paid towards life insurance and health insurance plans as
    returns. For life insurance you can get up to Rs. 1,50,000 per year as returns as per section 80C of the Income Tax Act, 1961. For health insurance, you can get up to Rs. 25,000 per year as returns if you are up to 60 years of age and up to Rs. 50,000 if you are a senior citizen above 60 years undersection 80D of the Act.