OneAssure Verdict

Company Stats

About the company

Insurance Policies

KYC Documents

Claims

Renewals

Contact

Other companies

FAQs

Aditya Birla Health Insurance

7.1/10

OneAssure Rating

34.35%

Claim Settlement Ratio

16000+

Network Hospitals

7.1/10

OneAssure Rating

Our Verdict

Aditya Birla Health Insurance stands out by covering chronic conditions like diabetes, hypertension, and insulin dependency, along with maternity benefits. Its pre-policy medical checkup for adverse pre-existing conditions ensures tailored coverage and transparency, making it a reliable choice for individuals with specialized health needs.

Pros

Trusted Brand Legacy

Backed by the global reputation of the Aditya Birla Group, ensuring reliability and excellence.

Innovative Product Portfolio

Features unique offerings like Incentivized Wellness and bite-sized insurance options.

Rewarding Wellness Benefits

Offers incentives such as up to 100% premium return for maintaining good health.

Extensive Reach & Empowering Lives

Present in 5,000+ cities & serves over 21 million customers, reflecting its commitment to holistic health and wellness.

Pros

Cons

Product Variety Confusion

The Activ 1 product line offers six different versions, which may overwhelm customers trying to pick the most suitable plan.

High Premiums for Adverse PEDs

Policies for individuals with adverse pre-existing conditions may come with significantly higher premiums, making them less affordable for some.

Below-Average Claim Settlement Ratio:

The claim settlement ratio is lower than industry leaders, which may raise concerns about timely and hassle-free claim processing.

Cons

Company Stats

Industry Avg.

6623.86

Aditya Birla Health Insurance

3701.32

Gross Direct Premium

Industry Avg.

63.63%

Aditya Birla Health Insurance

68.31%

ICR%

Rating 7.1/10

Solvency2.1/4

ICR2.7/3

Growth2.3/3

About the Company

Aditya Birla Health Insurance Company (ABHICL), part of Aditya Birla Capital Ltd., is a trusted health insurance provider backed by the Aditya Birla Group and South Africa’s MMI Holdings. Since starting in 2015, ABHICL has focused on offering unique health plans like Chronic Care (for ongoing illnesses) and Incentivized Wellness, which promotes healthier living by rewarding good habits.

With pre-policy medical checkups for adverse pre-existing conditions, the company ensures tailored coverage and transparency, making it a trusted choice for individuals with specific and specialized health requirements.

Serving 21+ million lives, it combines comprehensive coverage with wellness benefits, empowering individuals to lead healthier lives with unparalleled care and support.

Insurance Policies

Aditya Birla Health Insurance For Senior Citizens Plan

Aditya Birla Activ Cancer Secure Plan

Aditya Birla Health Insurance’S Activ Secure - Critical Illness Plan 3

Aditya Birla Activ Health Platinum Enhanced Plan

Aditya Birla Health Insurance Super Top Up Plan

Aditya Birla Critical Illness Plan

Aditya Birla Activ Secure Critical Illness Plan

Aditya Birla Activ Secure Personal Accident Plan

Abhi Active Care Classic Plan

Aditya Birla Activ Assure Diamond Plan

Aditya Birla Activ One Max Plan

Active Care Standard Plan

Activ One Vip Policy And Plan

Aditya Birla Activ One Max Policy And Plan

Aditya Birla Activ One Nxt Plan

KYC Documents Required

Aadhar Card

Voter ID Card

PAN card

Passport

Claim Settlement

Cashless Claim

Step 1 - Visit Network Hospital

Step 2 - Inform OneAssure

Step 3 - Carry Required Documents

Step 4 - Fill Pre-authorization Form

Step 5 - Seek Approval

Step 6 - Claim Settlement

Reimbursement Claim

Step 1 - Notify the Insurer

Step 2 - Settle Hospital Bills

Step 3 - Collect Medical Documents and Receipts

Step 4 - Fill Out the Claim Form

Step 5 - Await Claim Review and Reimbursement

Renewal

Online Renewal

Step 1 - Visit the official Aditya Birla Health Insurance website.

Step 2 - Navigate to the "Renew" section

Step 3 - Enter your policy number, date of birth, and registered mobile number.

Step 4 - Review your policy details and proceed to payment.

Step 5 - Upon successful payment, your policy is renewed instantly.

Offline Renewal

Step 1 - Visit the nearest Aditya Birla Health Insurance branch.

Step 2 - Provide your policy details to the representative.

Step 3 - Complete the necessary paperwork and make the payment.

Step 4 - Receive confirmation of your policy renewal

Key points

Renew early to avoid coverage lapse

30-day grace period post-expiry for renewal.

Verify personal and policy details during renewal.

Adjust coverage as per current health needs.

Use online payment for secure, quick transactions.

Customer Support

Talk to our experts for Insurance Assistance for FREE

For Aditya Birla Health Insurance customer care :

Toll Free - 1800 270 7000

E-mail - care.healthinsurance@adityabirlacapital.com

Other related companies

IFFCO TOKIO General Insurance Company Limited

Frequently Asked Questions

1. HOW TO BUY ADITYA BIRLA FROM ONEASSURE?

2. HOW TO PORT TO ADITYA BIRLA'S HEALTH INSURANCE?

3. TAX BENEFITS

4. HOW TO BUY ADITYA BIRLA FROM ONEASSURE?

Frequently Asked Questions

HOW TO BUY ADITYA BIRLA FROM ONEASSURE? - Step 1: Visit www.oneassure.in or call us at +91 6364334343 to connect with our expert advisors.
Step 2: Receive 100% unbiased recommendations tailored to your needs from our team of expert advisors.
Step 3: They will help you select the best option that suits you.
Step 4: You will need to provide us with the necessary KYC documents to proceed with the issuance further.
Step 5: We will generate the payment link on your phone and email.
Step 6: Once you’ve made the payment, your policy will be issued promptly.
Step 7: If you have declared any medical conditions, additional reports must be submitted.
HOW TO PORT TO ADITYA BIRLA'S HEALTH INSURANCE? -
Step 1: Approximately 60 days before your current policy renewal date, you have the option to port.
Step 2: If you decide to proceed with porting, our team will discuss all the related information with you. Based on this discussion, they will recommend a suitable plan.
Step 3: After you have made your decision, depending on the chosen plan, you will need to provide us with additional documents that are not listed in your current policy document. These documents may include your height, weight, claim details if any, previous year policy copies, nominee's name, nominee's date of birth, and their relationship with you.
Step 4: The registration process for the new policy will be completed on the insurer's online portal.
Step 5: Once the registration is done, you will receive a payment link via email and phone. After making the payment, your new policy will be promptly issued.
TAX BENEFITS - Under Section 80D of the Income Tax Act, individuals are eligible for a tax deduction of up to ₹25,000 per year on health insurance premiums.
For senior citizens, this limit is extended to ₹50,000 per year.
Additionally, taxpayers can claim an additional deduction of up to ₹5,000 for expenses incurred on preventive health check-ups.
HOW TO BUY ADITYA BIRLA FROM ONEASSURE? - Step 1: Visit www.oneassure.in or call us at +91 6364334343 to connect with our expert advisors.
Step 2: Receive 100% unbiased recommendations tailored to your needs from our team of expert advisors.
Step 3: They will help you select the best option that suits you.
Step 4: You will need to provide us with the necessary KYC documents to proceed with the issuance further.
Step 5: We will generate the payment link on your phone and email.
Step 6: Once you’ve made the payment, your policy will be issued promptly.
Step 7: If you have declared any medical conditions, additional reports must be submitted.