Aditya Birla Health Insurance vs Oriental Health Insurance

Given the plethora of health insurance policies available online, finding the right policy can be a task. To simplify the purchase process here is a concise and reliable guide on some of the policies offered by Aditya Birla Health Insurance and Oriental Health Insurance

Aditya Birla Health Insurance vs Oriental Health Insurance – Overview 

ParameterAditya Birla Health Insurance Oriental Health Insurance
No. of health insurance policies10+10+
E-servicesPolicy salePolicy renewalClaim settlementOnline consultationBranch locator24x7 customer supportPolicy salePolicy renewalClaim settlement Branch locatorOnline consultation24x7 customer help
Branches6501000+
Claim settlement ratio (CSR)93.68%94.28%
Hospital network7,000+4,300+ 

*Source: The Annual Report of the Insurance Regulatory and Development Authority of India (IRDAI) – years 2018-19 

Health Insurance Policies: Aditya Birla Health Insurance vs Oriental Health Insurance

In the 5 years since its establishment, Aditya Birla Health Insurance has settled over 6,30,000 claims showcasing its commitment to its customers. The company offers over 10 health insurance policies meeting the needs of individuals, families, senior citizens and corporate groups. 

Oriental Health Insurance has been operating since 1947 and is a pioneer in developing diverse insurance products. The company offers over 10 health insurance policies covering the healthcare needs of individuals, families, senior citizens, and corporate groups. 

Family Floater Policy: 

Aditya Birla Health Insurance offers 3 Family Floater Policies: 

  • Activ-Health PlatinumEssential (that provides a sum insured (SI) up to Rs. 10,00,000)
  • Activ-Health Platinum Enhanced (that provides an SI up to Rs. 2,00,00,000)
  • Activ-Assure Diamond (that provides an SI up to Rs. 2,00,00,000)

These policies cover: 

  • Pre, post,in-patient, and domiciliary hospital care 
  • Alternate (AYUSH) treatment
  • 586 daycare procedures
  • Organ donor expenses 
  • Chronic diseases like asthma, hypertension, high cholesterol, etc. from the first day of buying the policy 
  • Vaccination expenses of children up to the age of 18 years 
  • Road and air ambulance expenses

Some of the benefits of these health plans include:

  • Increase in the sum insured (SI) for a claim-free year 
  • Reloads of the SI in case of claims raised due to an unrelated illness/injury
  • Worldwide emergency assistance 
  • Health returns, health check-ups, and wellness coach for lifestyle management 

Oriental Health Insurance has a ‘Happy Family Floater Policy’ with 3 sub-policies (Silver, Gold and Diamond) that provide: 

  • SI amounts up to Rs.20,00,000
  • Reimbursements for pre, post, in-patient hospital care and domiciliary treatment expenses 
  • Inclusion of alternate treatments 
  • Payouts for organ donor transplant 
  • Add-on coverage for maternity and newborn baby
  • Cover for ambulance costs and telemedicine expenses 
  • Survival benefits for lifestyle management
  • Attractive discounts on premium for buying online 

Senior Citizen Policy 

Aditya Birla Health Insurance has ‘Activ Care’ – a senior citizen policy that provides:

  • SI amounts up to Rs.25,00,000
  • Reimbursements for in-patient hospital care and domiciliary care expenses 
  • Inclusion of 586 daycare procedures and alternate treatments
  • Payouts for nursing at home, portable medical equipment, and lifestyle support 
  • Cover for in-patient mental healthcare, organ donor expenses, and OPD treatment
  • Emergency domestic and international air and road ambulance services
  • Health returns up to 21% of the premium on staying active 

Oriental Health Insurance has a ‘Health of Privileged Elders Policy’ that provides: 

  • SI amounts up to Rs.5,00,000
  • Cover for 11 ailments such as accidental injury, knee replacement, cancer, etc.
  • Reimbursements for in-patient care and domiciliary care expenses 
  • Inclusion of alternate treatments, modern technology treatments, and daycare procedures 
  • Payouts for telemedicine expenses and ambulance charges 
  • Refunds of health check-up expenses 

Corona Kavach Policy

Aditya Birla Health Insurance’s Corona Kavach Policy provides:

  • SI amounts between Rs. 50,000 – Rs. 5,00,000
  • Cover for domiciliary care, in-patient hospital care, pre and post-hospital care expenses 
  • Inclusion of alternate treatment 
  • Protective equipment coverage including PPE kits, gloves and masks 

Oriental Health Insurance’s Corona Kavach Policy provides:

  • Settlements for pre and post-hospital care expenses 
  • Indemnification of expenses incurred for domiciliary care and alternate treatment 

Once you find the right health insurance policy for your needs, read the policy wordings carefully to avoid complications when the time for making a claim arises.