Aditya Birla Health Insurance Review – Forbes Advisor INDIA

The Aditya Birla Health Insurance company offers a wide variety of health plans, providing coverage to an individual and their family. Let’s have a look at all the plans which are available under the company:

Activ Health Platinum Enhanced

This plan comes up with a sum assured limit up to INR 2 crore along with a policy term between one, two and three year. Activ Health Platinum Enhanced is available both as an individual and family floater plan. It covers pre- and post-hospitalization expenses for a period of 60 days and 180 days respectively.

  • Health insurance + wellness benefit + chronic care management
  • Cashless facility available at 8700+ network hospitals
  • Premium starting at INR 7,722 per year

2. Activ Assure Diamond

The Activ Assure Diamond plan offers coverage to individuals as well as families. The sum assured option goes up to INR 2 crore. The consumer can purchase an annual policy or a three-year plan. It also includes day care treatment up to 586 procedures.

  • 1 crore cover + health insurance + health benefit
  • Cashless facility available at 8700+ network hospitals
  • Premium starting at INR 6,731 per year

Activ Health Platinum Essential

This plan is more comprehensive in nature that caters to the middle-income subscribers. It also comes up with multiple sum insured options so that a subscriber can select as per their budget. Apart from the regular cashless and reimbursement benefits, this plan also gives an option for several other additional benefits such as health returns, wellness coach among others.

  • Health Insurance + wellness benefit + chronic care management
  • Cashless facility available at 8700+ network hospitals
  • Premium starting at INR 6,780 per year

4. Activ Health Platinum Premiere

Another variant is the Aditya Birla Activ Health Premier plan. It covers day-to-day and modern treatments along with the chronic management program. It is available both on an individual and family floater basis. This plan also covers in-patient hospitalization expenses due to mental illnesses.

  • Sum insured up to INR 2 crore
  • Cashless facility available at 8700+ network hospitals
  • Premium starting at INR 31,145 per year

5. Activ Care Plans

The Aditya Birla Active Care plan provides coverage for senior citizens and this policy comes in three variants – standard, classic and premier. There are 586-day care procedures covered in the policy. There is also an option of availing a second e-opinion and health coaching session on major illness. This plan can be availed as an individual or family floater plan providing coverage to self and spouse.

  • Health insurance for parents
  • Cashless facility available at 8700+ network hospitals
  • Standard policy premium starting at INR 24,202 per year
  • Premier policy premium starting at INR 38,632 per year

6. Aarogya Sanjeevani

The Aditya Birla Arogya Sanjeevani policy offers a 5% rise in the sum insured for every claim-free year. The tenure is one year for both individual and family floater kinds of policies. Any treatment can only be availed after the completion of a 30-day waiting period. Pre-existing diseases are covered after a waiting period of 48 months. This health insurance covers all day care procedures such as:

  • 30 days pre and 60 days post hospitalization expenses covered
  • Cashless facility available at 8700+ network hospitals
  • Premium starting at INR 5,117 per year

7. Corona Kavach

The Aditya Birla Health Insurance has recently introduced Corona Kavach policy to provide protection against medical expenses arising from Covid-19. Cover for medical expenses for Covid-19 admissible only when hospitalization is for a minimum period of 24 consecutive hours. Irrespective of the sum insured and age of the insured, no pre-policy health check-up is required for this policy.

  • Covid-19 hospitalization expenses covered
  • PPE kit, gloves and mask expenses covered
  • Cashless facility available at 8700+ network hospitals
  • Premium starting at INR 2,486 per year

8. Activ Secure – Cancer Secure

The Aditya Birla Health Insurance Cancer Secure plan provides protection against various types of and stages of cancer. This policy offers coverage starting from minor to advanced stages of cancer. The policy pays out a lump sum benefit upon diagnosis of cancer. It also offers an option to avail second e-opinion and the flexibility to choose policy tenure ranging from one year, two years and three years.

  • Protection against all three stages of cancer
  • International second e-opinion for major illnesses
  • 100% reload of sum insured
  • Premium starting at INR 428 per year

9. Activ Secure Critical Illness Plan

The Critical Illness plan provides coverage under the diagnosis of a major or minor critical illness. This plan is available in three flexible options and each option provides different degrees of cover. The subscriber gets an option for coverage up to 20, 50, and 64 critical illnesses. There are also two optional benefits, which include a wellness coach and the option of availing a second e-opinion on any particular critical illness.

  • 64 critical illnesses covered
  • Up to INR 1 crore of sum insured
  • Lump sum payout on detection
  • Premium starting at INR 5,463 per year

10. Activ Secure Personal Accident

This plan ensures the financial security against any unseen risks such as accidental death or disabilities. It provides personal accident cover against accidental death, permanent partial and disabilities. It also provides a cumulative bonus between 5% and 50%.

The age criteria is five to 65 years. The policyholder will have an option to enhance the coverage with optional covers such as temporary total disability, worldwide emergency assistance services and accidental in-patient hospitalization.

  • Health insurance for cover against accidents
  • Protection against death and disability
  • Protection against income loss
  • Loan and equated monthly installment (EMI) protect
  • Premium starting at INR 212 per year

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