Aditya Birla Health Insurance Reviews, Ratings, Best Plans and USPs
Aditya Birla Health Insurance
Aditya Birla Capital is part of the Aditya Birla Group. It has various subsidiary companies that offer different insurance solutions. Life insurance is offered by the Aditya Birla Sun Life Insurance Company Ltd., health insurance is offered by Aditya Birla Health Insurance Co. Ltd. Whereas, motor insurance and travel insurance is the responsibility of Aditya Birla Insurance Brokers Ltd. Moreover, they carry decades of expertise with roots tracing back to the nascent corporate group founded in 1857. However, they ventured into providing diverse life, health, motor, and travel insurance solutions only in the year 2000.
As a leading insurance and multinational financial company, Aditya Birla Capital has won several accolades for its quality of services and products. Moreover, they are one of the few Indian origin insurance companies to fall into the league of companies recognized by Fortune 500. With a claim paying ability of 96% in the year 2019-2020 and a consistent claim settlement ratio of above 90% through the years, you have a high chance of getting your claim settled with Aditya Birla Capital Insurance.
About Aditya Birla Health Insurance
High claim settlement ratio (CSR):
Aditya Birla Capital has a high life insurance and health insurance claim settlement ratio. Its life insurance CSR was 97.54% in the financial year 2019-2020 and the health insurance CSR was 96%. The CSR is the number of insurance claims settled by an insurer in a year – and the higher the ratio is, the better are your chances of receiving your money’s worth.
Comprehensive Insurance Policies
Aditya Birla Capital ensures that its customers don’t have any shortage of choices and that no one is left out when it comes to receiving insurance protection. They have a comprehensive range of insurance plans to fit every individual need and budget.
Additional programs, benefits, and rewards
Not only does Aditya Birla Capital offer a diverse range of insurance policies, it also has a network of curated wellness programs, chronic disease management programs, health rewards and incentive programs, health guidance coaches, health assessment bookings, care managers, and their unique yet customizable application called Activ Health. Moreover, they have a list of resources on hospital networks, diagnostic centers, pharmacy service centers, and fitness centers including gym, zumba, yoga, dance, and other fitness centers. They also publish blogs on fitness, lifestyle, nutrition and the different kinds of insurance so that customers can clear their doubts on any subject.
Quick turnaround time and 24x7 customer support
For Aditya Birla Capital, the customer always comes first. Apart from having a quick turnaround time for cashless health claims (around 2 hours) they have customer support teams working 24x7 to answer doubts, clarify issues, and address any other concerns on email, call or WhatsApp and SMS.
National and Global presence –
Nationwide and across 46 countries
Industry standards –
Tentative market share up to 2020 = 2.18%
Revenue in 2020 = Rs. 4,31,00,000
Premium in 2020 = Rs. 35,63,00,000
Aggregate assets under management = 3,300 billion
Active customer base of 21 million and counting
Brand ratings = 4.5/5
Customer ratings = 4-5/5
1.Health Insurance Plans
- Activ Health Platinum Essential
- Activ Health Platinum Enhanced
- Activ Health Platinum Premiere
- Activ Secure Critical Illness Plan
- Activ Secure Personal Accident Plan
- Activ Secure Cancer Plan
- Active Care Classic
- Active Care Standard
- Active Care Premiere
- Activ Assure Diamond Health Plan
- Activ Assure Diamond + Super Health Top-up
- Group Activ Health Plan
- Corona Kavach Policy
- Arogya Sanjeevani Policy
- Global Health Secure
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Health Insurance Plan |
Entry age (Minimum and maximum) |
Premium rate |
Sum insured (SI) (Minimum and maximum) |
Scope of coverage |
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Activ Health Platinum Essential Plan
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The minimum entry age for adults is 18 years and for children is 91 days. There is no maximum entry age |
Rs. 6,780 per year |
Minimum SI = Rs. 50,000 Maximum SI = Rs. 1,00,00,000 |
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Activ Health Platinum Enhanced Plan
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The minimum entry age for adults is 18 years and for children is 91 days. There is no maximum entry age |
Rs. 7,722 per year |
Minimum SI = Rs. 2,00,000 Maximum SI = Rs. 2,00,00,000 |
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Activ Health Platinum Premiere
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The minimum entry age for adults is 18 years and for children is 91 days. The maximum entry age is 65 years |
Rs. 31,145 per year |
Minimum SI = Rs. 10,00,000 Maximum SI = Rs. 2,00,00,000 |
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Activ Secure Critical Illness Plan
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The minimum entry age for adults and children is 5 years for Plan 1 and 2 and 18 years for plan 3. The maximum entry age is 65 years |
Rs. 5,463 per year |
Minimum SI = Rs. 1,00,000 Maximum SI = Rs. 1,00,00,000 |
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Activ Secure Personal Accident Plan |
The minimum entry age for adults and children is 5 years. The maximum entry age is 65 years |
Rs. 212 per year |
Minimum SI = Rs. 2,00,000 Maximum SI = Rs. 2,00,00,000 |
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Activ Secure Cancer Plan
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The minimum entry age for adults and children is 18 years. The maximum entry age is 65 years |
Rs. 428 per year |
Minimum SI = Rs. 2,00,000 Maximum SI = Rs. 2,00,00,000 |
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Active Care Classic
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The minimum entry age is 55 years. The maximum entry age is 80 years |
Rs. 21,916 per year |
Minimum SI = Rs. 2,00,000 Maximum SI = Rs. 2,00,00,000 |
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Active Care Standard
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The minimum entry age is 55 years. The maximum entry age is 80 years |
Rs. 24,202 per year |
Minimum SI = Rs. 2,00,000 Maximum SI = Rs. 2,00,00,000 |
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Active Care Premiere
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The minimum entry age is 55 years. The maximum entry age is 80 years |
Rs. 38,362 per year |
Minimum SI = Rs. 2,00,000 Maximum SI = Rs. 2,00,00,000 |
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Activ Assured Diamond Health Plan
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The minimum entry age for adults is 18 years and for children is 91 days. The maximum entry age is 65 years. |
Rs. 6,371 per year |
Minimum SI = Rs. 2,00,000 Maximum SI = Rs. 2,00,00,000 |
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Activ Assured Diamond+ Super Health Top-up |
The minimum entry age is 91 days, 5 years, or 25 years. The maximum entry age is 65 years. |
Rs. 10,768 per year |
Minimum SI = Rs. 3,00,000 Maximum SI = Rs. 1,00,00,000 |
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Group Activ Health Plan
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Unspecified |
As per the policy quote |
Minimum SI = Rs. 2,00,000 Maximum SI = Rs. 2,00,00,000 |
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Corona Kavach Policy |
The minimum entry age is 1 day – 25 years. There is no maximum entry age. |
Rs. 2,486 per year |
Minimum SI = Rs. 50,000 Maximum SI = Rs. 5,00,000 |
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Arogya Sanjeevani Policy |
The minimum entry age is 18 years. The maximum entry age is 65 years. |
Rs. 5,117 per year |
Minimum SI = Rs. 1,00,000 Maximum SI = Rs. 5,00,000 |
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Global Health Secure |
The minimum entry age is 18 years. The maximum entry age is 65 years. |
Rs. 12,917 per year |
Minimum SI = Rs. 1,00,000 Maximum SI = Rs. 5,00,000 |
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2. Life Insurance Plans
Term Insurance Plans
- Aditya Birla Sun Life Insurance (ABSLI) Life Shield Plan
- ABSLI DigiShield Plan
- ABSLI Saral Jeevan Bima
|
|
Policy Term |
Entry age |
Maturity age |
Sum assured (SA) (Minimum and maximum) |
Benefits offered |
|
ABSLI Life Shield Plan |
10-55 years |
18-65 years |
85 years |
Minimum SA = Rs. 25,00,000. Maximum SA = no limit. |
8 plan options Joint (spousal) life protection Guaranteed death benefit Return of premiums paid Terminal illness benefit 5 additional riders |
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ABSLI DigiShield Plan |
5-55 years |
18-65 years |
85 years |
Minimum SA = Rs. 30,00,000. Maximum SA = no limit. |
10 plan options Guaranteed death benefit Survival benefit Maturity benefit Critical illness benefit Terminal illness benefit 6 additional riders |
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ABSLI Saral Jeevan Bima
|
5-40 years |
18-65 years |
70 years |
Minimum SA = Rs. 5,00,000. Maximum SA = Rs. 25,00,000 |
Simple and affordable plan Guaranteed death benefit 1 additional rider |
Retirement Plans
- ABSLI Immediate Annuity Plan
- ABSLI Empower Pension Plan
- ABSLI Empower Pension SP Plan
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|
Entry age |
Policy term/ Accumulation period |
Benefits offered |
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ABSLI Immediate Annuity Plan |
30-90 years |
5-20 years |
Guaranteed regular income payouts Multiple payout options No medical tests required
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ABSLI Empower Pension Plan |
25-70 years |
5-30 years |
Guaranteed death benefit Surrender benefit Vesting benefit Guaranteed additions |
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ABSLI Empower Pension SP Plan
|
25-70 years |
5-20 years |
Guaranteed death benefit Surrender benefit Vesting benefit Guaranteed additions |
Health Plans
- ABSLI Cancer Shield Plan
- ABSLI CritiShield Plan
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Policy Term |
Entry age |
Maturity age |
Sum assured |
Benefits offered |
|
ABSLI Cancer Shield Plan |
5-50 years |
18-65 years |
85 years |
Minimum SA = Rs. 10,00,000. Maximum SA = Rs. 50,00,000 |
Coverage for all stages of cancer Option to receive monthly income payouts Waiver of premium benefit Income benefit |
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ABSLI CritiShield Plan |
5-50 years |
18-65 years |
85 years |
Minimum SA = Rs. 10,00,000. Maximum SA = Rs. 50,00,000 |
Payout of the benefit for all cardiac and renal ailments Option to receive monthly income payouts Waiver of the premium on the diagnosis of the cardiac/renal ailment |
Child Plans
- ABSLI Vision Star Plan
- ABSLI Child’s Future Assured Plan
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|
Policy Term |
Entry age |
Maturity age |
Sum assured |
Benefits offered |
|
ABSLI Vision Star Plan |
14-23 years |
18-55 years |
75 years |
Minimum SA = Rs. 1,00,000. Maximum SA = Rs. 8,00,000 and above. |
Regular income payouts Death benefit Maturity benefit Reduced paid-up benefits 6 additional riders |
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ABSLI Child’s Future Assured Plan |
10-32 years |
18-65 years |
75 years |
Minimum SA = Rs. 4,00,000. Maximum SA = No limit. |
Education milestone benefit Marriage milestone benefit Maturity benefit Death benefit 6 additional riders |
Savings Plans
- ABSLI Assured Income Plus Plan
- ABSLI Vision Life Income Plus Plan
- ABSLI SecurePlus Plan
- ABSLI Guaranteed Milestone Plan
- ABSLI Assured FlexiSavings Plan
- ABSLI Vision Money Back Plus Plan
- ABSLI Vision Life Income Plan
- ABSLI Savings Plan
- ABSLI Vision Life Secure Plan
- ABSLI Income Assured Plan
- ABSLI Vision Endowment Plus Plan
- ABSLI Jeevan Bachat Plan
- ABSLI Monthly Income Plan
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Policy Term |
Entry age |
Maturity age |
Sum assured |
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ABSLI Assured Income Plus Plan |
7-13 years (Benefit payout period is between 20-30 years) |
5-60 years |
18-73 years |
Minimum SA = Rs. 5,50,000 Maximum SA depends on the insurer. |
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ABSLI Vision Life Income Plus Plan |
8-45 years |
30 days-55 years |
18-100 years |
Minimum SA = Rs. 2,00,000 No limit on the maximum SA. |
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ABSLI SecurePlus Plan |
13 years |
5-50 years |
63 years |
Minimum SA = Rs. 5,22,000 Maximum SA depends on the insurer. |
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ABSLI Guaranteed Milestone Plan |
12-26 years |
30 days-60 years |
18 years for children Adult maturity age not specified |
Minimum SA = Rs. 2,25,000 Maximum SA is 15 times the annualized premium. |
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ABSLI Assured FlexiSavings Plan |
17-26 years |
4-86 years |
18-86 years |
Minimum SA = Rs. 5,50,000 No maximum SA limit. |
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ABSLI Vision Money Back Plus Plan |
20-25 years |
13-45 years |
Not applicable |
Minimum SA = Rs. 1,00,000 Maximum SA = Rs. 8,00,000 and above. |
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ABSLI Vision Life Income Plan |
15-35 years |
30 days-60 years |
Not applicable |
Minimum SA = Rs. 2,00,000 Maximum SA = Rs. 8,00,000 and above. |
|
ABSLI Savings Plan |
10-20 years |
18-50 years |
70 years |
Minimum SA = Rs. 30,000 Maximum SA = Rs. 10,00,000 |
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ABSLI Vision Life Secure Plan |
15-35 years |
30 days-60 years |
18-75 years |
Minimum SA = Rs. 2,00,000 Maximum SA = Rs. 8,00,000 and above. |
|
ABSLI Income Assured Plan |
15-25 years |
8-60 years |
75 years |
Minimum SA = Rs. 1,00,000 Maximum SA = Rs. 8,00,000 and above. |
|
ABSLI Vision Endowment Plus Plan |
10-40 years |
30 days-60 years |
70 years |
Minimum SA = Rs. 1,00,000. Maximum SA = Rs. 8,00,000 and above. |
|
ABSLI Jeevan Bachat Plan |
10-15 years |
1-55 years |
18-65 years |
Minimum SA = Rs. 25,000. Maximum SA = Rs. 10,00,000 |
|
ABSLI Monthly Income Plan |
20-37 years |
18-55 years |
80 years |
Minimum SA = Rs. 4,00,000. Maximum SA = Rs. 8,00,000 and above. |
Unit-Linked Insurance Plans (ULIP)
- ABSLI Wealth Infinia
- ABSLI Wealth Assure Plus
- ABSLI Wealth Max Plan
- ABSLI Wealth Secure Plan
- ABSLI Fortune Elite Plan
- ABSLI Wealth Aspire Plan
|
|
Policy Term |
Entry age |
Maturity age |
Sum assured |
|
ABSLI Wealth Infinia |
10-30 years |
30 days-65 years |
100 years |
Minimum SA = 6,25,000 No limit on the maximum SA |
|
ABSLI Wealth Assure Plus |
15-35 years |
30 days-55 years |
18-75 years |
Minimum SA = Rs. 2,40,000 per year Maximum SA = Not specified |
|
ABSLI Wealth Max Plan |
5-20 years |
30 days-70 years |
18 years for children. |
SA = Maximum of 10 times the basic premium |
|
ABSLI Wealth Secure Plan |
Whole life |
30 days-65 years |
18-75 years |
SA = 10 times the annualized premium and the total investment fund value. |
|
ABSLI Fortune Elite Plan |
10-40 years |
30 days-65 years |
18-75 years |
SA = 10 times the annualized premium and the total investment fund value. |
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ABSLI Wealth Aspire Plan
|
10-40 years |
30 days-65 years |
18-60 years |
SA = 10 times the annualized premium and the total investment fund value. |
Group Insurance Plans (exceeding wc limit)
- Protection Solutions
- Employer Employee
- Voluntary
- Affinity
- Credit Life
- Retirement Solutions
- Annuity Scheme
- Gratuity
- Leave Encashment
- Post-Retirement Medical Benefits Scheme
- Superannuation
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Policy Term |
Entry age |
Maturity age |
Sum assured |
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Employer Employee |
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Voluntary |
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Affinity |
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Credit Life |
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Annuity scheme |
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Gratuity |
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Leave Encashment |
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Post-Retirement Medical Benefits Scheme |
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Superannuation |
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Best Insurance Policies offered by Aditya Birla Capital Insurance
Top Health Insurance Plans
- Activ Assured Diamond
- Activ Health Platinum Enhanced
- Activ Assured Diamond+ Super Health Top-up
- Activ Care Classic
- Activ Health Platinum Essential
Other Insurance Companies
Aditya Birla FAQs
1. What do alternative treatments include in Aditya Birla Health Insurance?
As opposed to allopathic treatment, alternative treatments include non-allopathic forms of treatment systems that have traditional roots. These include Ayurveda, Unani, Siddha, Homeopathy and Naturopathy treatment systems and practices.
2. Which add-on riders can you get with Aditya Birla’s Term Life Insurance Plans?
Aditya Birla’s Term Life Insurance Plans offer up to 6 additional riders for extra protection during
unforeseen life eventualities. These include the:
● ABSLI Accidental Death Benefit Rider Plus
● ABSLI Accidental Death and Disability Rider
● ABSLI Critical Illness Rider
● ABSLI Hospital Care Rider
● ABSLI Surgical Care Rider
● ABSLI Waiver of Premium Rider
3. What does Aditya Birla Health Insurance not cover in its Health Insurance Plans?
Aditya Birla Health Insurance does not cover the following treatments, illnesses, and procedures in
its health insurance plans:
● Cosmetic or plastic surgery
● HIV/ AIDS treatment
● Non-medical items/ expenses
● Laser treatment
● Illness/ injury arising from alcohol or drug overdose
● Treatment taken outside of India
● Injury/ illness arising from engaging in a hazardous or adventure activity
● Hereditary diseases
● Gender change treatments
● Any other treatment/ illness/ procedure mentioned in the policy wordings
4. Do you get any tax benefits with Aditya Birla life insurance and health insurance plans?
Yes, you get tax benefits on the premiums paid towards life insurance and health insurance plans as
returns. For life insurance you can get up to Rs. 1,50,000 per year as returns as per section 80C of the Income Tax Act, 1961. For health insurance, you can get up to Rs. 25,000 per year as returns if you are up to 60 years of age and up to Rs. 50,000 if you are a senior citizen above 60 years undersection 80D of the Act.
