Regardless of age, every individual must pay attention to their health and hence, it’s a wise decision to invest in health insurance plans. Aditya Birla Capital, one of the most trusted names in the insurance space, offers comprehensive health insurance plans that cover you against a variety of health issues so that you don’t have to break a sweat in the times of need.

The company covers the insured against basic health diseases, personal accidents, critical illness, cancer and provides daily cash benefits in case of hospitalisation. Hence, all you need to focus on is your well-being and let the insurance provider take care of monetary aspects.

Interesting Facts of Aditya Birla Health Insurance

  • The company focus is in offering contemporary technology like digitally integrated, incentivised wellness programs which will help their customers choose healthier lifestyle.
  • The partnership comes with long history of conducting successful businesses.

Product Portfolio of Aditya Birla Health Insurance

Health Insurance Products

Aditya Birla Health Insurance Co. Ltd offers smart health plans which are designed to give you efficient service and also maintain a healthy lifestyle through wellness coach service.

Activ Health Enhanced


  • Choice of hospital room category
  • Sum assured of up to 2 crores
  • Rewards in form of health returns
  • Day 1 cover for chronic disease like diabetes, hyper tension, high cholesterol and asthma
  • Worldwide emergency connect to keep you safe when travelling
  • Reload of sum assured for unrelated illness in case of insufficient funds due to claim

Activ Health Essential


  • Choice of hospital room category
  • Sum assured of up to INR 10 lakhs
  • Rewards in form of health returns
  • Day 1 cover for chronic disease like diabetes, hyper tension, high cholesterol and asthma
  • Optional add-ons for enhanced protection

Personal Accident


  • Cover for death due to an accident, partial and permanent disability
  • Modification benefit for residence and vehicle following disablement
  • Education and orphan benefit for dependent children
  • Complete protection against loans and EMI
  • NO claim bonus of 5% for every claim free year
  • Option of wellness coach service to maintain healthy lifestyle

Critical Illness


  • Three plan options to cover 20,50 or 64 critical illness
  • Low survival period of 15 days following the first diagnosis of critical illness
  • Early stage and major stage different payout options
  • Payout of 150% for more than one critical illness in our most comprehensive plan
  • Tax benefit
  • Option of wellness coach service to maintain healthy lifestyle

Hospital Cash


  • Daily cash benefit (DCB)
  • 30/45/60 days choice option for DCB benefit
  • Double benefit cover for admission in an ICU or hospitalisation due to road traffic accident
  • Parental benefit if when insured 12 years or less is admitted for more than 72 hours
  • Wellness coach benefit optional cover

Cancer Secure


  • Early, major and advance stage cover
  • Up to 150% payout on detection of advance stage
  • Low survival period of 7 days on first diagnosis of cancer
  • Cumulative bonus increasing protection every year
  • Tax benefit

Other products offered under Health Insurance Category

  • Group Activ Health
  • Group Activ Secure

Claim Process of Aditya Birla Health Insurance

Cashless Claim Process

  • To avail cashless facility approach network hospital. The list of network hospital can be found on the website
  • Show cashless card or provide policy number at the cashless help desk. You will also require to show ID card like passport, pan card or voters ID card
  • You will need to fill cashless hospitalization request form. To speed up the process you can fill the form which is available on the website. In the case of emergency hospitalisation the form need to be filled and submitted within 48 hours of the hospitalization. For pre-planned hospitalisation the form needs to be submitted at least 3 days before the hospitalisation.
  • A decision on the cashless hospitalisation will be made within 2 hours (when request is received within usual business hours) and will be notified to the policyholder.
  • The claim settlement will be done as per the policy terms and conditions with the hospital on completion of the formalities.

Reimbursement Claim Process

  • Notify the insurance company on 1800-103-1033 or via email [email protected] of your admission in hospital, if emergency case then within 48 hours of hospitalisation and if pre-planned at least 3 days before hospitalisation.
  • Collect all relevant original documents from the hospital and submit them to us within 15 days of discharge from the hospital.
  • You can submit the documents via post or log in to the portal and upload the original documents
  • After submission of documents, the claim will be processed as per the terms and conditions.
  • Claim status can be checked on their website by login into the portal with username/ member ID and password provided.

Review of Aditya Birla Health Insurance

Aditya Birla Health Insurance Co. Ltd has come up with smart health insurance plan with innovative features and services. The plans offer comprehensive coverage and are easy to understand. The plans are great for people who are digital savvy and like the new age digital platform services.

Contact Details of Aditya Birla Health Insurance

Aditya Birla Health Insurance Co. Ltd.

13th Floor, R Tech Park,

Off Western Express Highway

Goregaon East, Mumbai

Maharashtra 400 063

Phone – 1800 270 7000

FAQs on Aditya Birla Health Insurance

What is the validity of my health insurance policy?

Your health insurance policy is valid for the duration you have chosen and is mentioned in the policy schedule. Policy duration is available for 1, 2 or 3 years.

What is the waiting period for maternity benefit cover?

There is a waiting period for 24 months to avail maternity benefit cover.

What is Portability in Health Insurance?

Portability allows you to switch from one insurer to another without making you lose the waiting period year benefit accumulated on your existing health insurance policy.

What is the time line for claim settlement?

Claims are settled within 7 working days of the receipt of last necessary document and not later than 30 days