Aditya Birla Health Insurance for Family
Family health insurance plans are carefully designed to cover all healthcare expenses of an entire family. These floater plans are umbrella covers for all members of the family. In today’s modern world, health insurance is a necessity for all. If you purchase individual health insurance plans for all family members, it will certainly burn your pocket. Moreover, it’s a challenging job to manage everyone’s health insurance. Thus, you need a single health policy that will cater to the medical needs of all the members of the family. That’s why family floater health insurance policies are in high demand nowadays.
Aditya Birla health insurance is a prodigious company that offers both individual and Aditya Birla family health insurance plans to its customers. Activ Assure-Diamond Plan is specially designed by Aditya Birla health insurance to safeguard your health and finances. This Aditya Birla health insurance plan offers an array of health benefits to you and your family. The plan comes with many lucrative benefits that inspire you to keep yourself and your family members fit and healthy. This health insurance plan is available on both an individual and family floater basis. Both these Aditya Birla health insurance plans offer a chunk of benefits from regular medical check-ups to hospitalization care to policyholders.
Features of the Aditya Birla Family Health Insurance Plan
- The plan offers variable sum insured ranging from Rs. 2 Lakh to Rs. 2 Crore
- Individual plan: Minimum entry age-5 years (no maximum age of entry)
- Under the family floater plan (2 adults+4 children), you can add up to 6 members including self, spouse, and dependent children
- Aditya Birla Mediclaim policy for family offers recovery benefits
- Health returns
- The plan provides domestic or international emergency support services (including air ambulance)
- The policy is available for a term of 2 years, 3 years, and 4 years
- No claim bonus is an additional advantage with this plan
Benefits of Family Health Insurance Plans
- Pre- and post-healthcare expenditures covered up to a certain limit
- 586 daycare procedures are covered under the plan
- In-patient hospitalization expenses are also covered by this plan based on the sum insured you opted for
- AYUSH in-patient hospitalization expenses are reimbursed by the plan
- Road ambulance coverage is included up to a certain limit
- You are free to take a second opinion on critical illness
- The plan offers a daily cash allowance to policyholders
- Free health check-up program is also offered by the plan once in a policy year
Anyone who is above 91 days old can be enrolled under this policy. But the maximum entry age is not defined by this plan.
- The plan will not offer any coverage in case of any injury due to a foreign enemy, war, revolution, uprising, or military acts
- Expenses incurred due to self-injury or breach of law with criminal intent
- Cosmetic, re-shaping treatments, aesthetic treatments, and surgeries are not covered by the plan
- The costs of spectacles, hearing aids, or contact lenses will not be covered
- Excessive use of intoxicating substances like drugs, alcohol, tobacco chewing, smoking, etc. won’t be covered
Claim Process for Aditya Birla Family Health Insurance
Let’s take a look at the below-mentioned steps regarding how to enjoy cashless treatment against your family health insurance plan.
- Step 1: You need to select a network hospital from the list of hospitals given on the website of the insurance company to enjoy a cashless facility.
- Step 2: Enter the patient’s health card details or policy number along with the valid ID proof
- Step 3: Once the identification process is completed, the network hospital will provide a cashless hospitalization request form to the insurance company (Here Aditya Birla)
- Step 4: The insurance company (Aditya Birla) will thoroughly review the request form and then, it will convey the decision to the network hospital. The intimation will also be sent via SMS and e-mail to the address provided by the insured policyholder.
- Step 5: According to the terms and conditions of the policy, the insurer will process the claim with the network hospital. Once all formalities are completed, the claim will be raised.
How Long Does It Take to Pay Out a Claim?
Aditya Birla health insurance usually settles claims within 7 days, but not more than 30 days of the last necessary documents submitted. In case of any fraudulent activity, the claims can be rejected or declined by the company.
Renewal Process of Aditya Birla Family Floater Health Insurance
You need to follow the below-mentioned steps to renew your policy
- Step 1: First, go through the official website of Aditya Birla Health Insurance
- Step 2: Select “Renew”
- Step 3: Now, click on the “Quick Renew” button to proceed further
- Step 4: provide all your details
- Step 5: Click “Renew Now” to complete online payments against your policy plan
- Step 6: You will get a confirmation message from the insurance company on your registered mobile number regarding the successful completion of the renewal process.
Advantages of Aditya Birla Family Floater Health Insurance
- You will get a good discount on your premium amounts
- High health returns
- You are eligible for free health check-ups to all your family members above 18 years of age
- You are flexible to choose a health insurance policy for parents
- You will get a chronic management program for ailments like diabetes, asthma, blood pressure, and others
Before purchasing a family health insurance policy, it is imperative to know how many members you can include under your selected policy plan. Moreover, you also need to check the maximum renewability age especially if you are looking for parents to get coverage under the same policy. Aditya Birla health insurance review is good when compared to other health insurance companies. So, you can purchase a family floater health policy for your family members to protect them against various diseases and medical inflation.