Aditya Birla Health Insurance company is a joint venture of 2 leading companies of India and South Africa. In 2015, Aditya Birla and MMI Holdings of South Africa started this company with 51% and 49 % of respective shares and started their business in October 2016. In a short time period of 4 years, this company has managed to maintain a good reputation in the health sector. Although this company was dealing with other sectors since 1857, it is admirable to set up their business in the insurance sector. They have 17,000 registered employees working around the world. Apart from this, 2,00,000 employees are working with Aditya Birla Health Insurance company as a broker, agent, or channel partner.
Health plays an important role in every person’s life and you should take good care of it. As per a survey, we found that a normal person spends around 5-6 thousand rupees per month on their health. Hence if we calculate the annual data then it will go too high. Also. when we talk about health, then the first thing that comes in our mind is the hospital expenses. Just think once, if you get diagnosed with any critical illness. Is your saving sufficient to provide good treatment? Maybe not, no middle-class person has this much savings to spend on their medical emergencies. That’s why opting for health insurance is not a choice in the current scenario. Additionally, it will be a cherry on the cake if you purchase it from the best health insurance in India like Aditya Birla Health Insurance company.
After all, the Aditya Birla group of companies has well-maintained credibility in the Indian market. But there are so many other reasons to choose this company as your financial support in health emergencies.
Reasons Why You Should Choose Aditya Birla Health Insurance?
- This company provides family floater benefits to all individuals as well as long term plans.
- Provide an annual health check-up facility for all age groups.
- Provide attractive discounts at the time of purchasing and renewal. Also, provide a bonus at the end of the policy so that the policyholder can renew their policy on discounted rates.
- This company will provide various plans to cover all the health emergencies, whether they are critical, pre-existing, or permanent.
- Users can make their policy more effective by opting add on covers along with the basic plan.
- The insured person can avail Tax deductions benefits as per Section 80D of the Income Tax Act.
Aditya Birla capital health insurance company has an incurred claim settlement ratio of 85.34%.
Features & Benefits provided by Aditya Birla Health Insurance company
· High sum insured:
A policy with a low sum insured will not be able to cover your overall medical expenses. So, this company provides a high sum insured of up to 2 crores. You can purchase a health insurance plan of a minimum of 10 lakhs to the maximum as per your budget and need.
· Long term policy:
Customers can purchase a long term plan of 3 years to eliminate the hassle of renewing the policy every year.
· Supplementary Coverages:
It is important to take supplementary coverage with a basic health insurance plan. This will cover your additional expenses such as in-patient treatments, surgery charges, ICU costs, private room rent, and many others
· Day-care treatment cover:
Surgeries taking less than 24 hours are covered in the policy. Generally, most of the insurance provided doesn’t cover these expenses in the policy.
· Pre and Post Hospitalization cover:
Policyholders can remain stress-free of their pre and post-hospitalization expenses. Expenses incurred after and before within a certain period of hospitalization is covered in the policy.
· Range of network hospitals:
Aditya Birla health insurance company has more than 6050 network hospitals in India. Insured persons can take cashless treatment at these hospitals.
· Lifetime renewability:
Aditya Birla Health Insurance company provides lifelong insurance renewability features. You can purchase a policy until the end of your life and get rid of paying high medical expenses.
· Sum insured reload:
In case you sum insured gets void in mid of any treatment then the insurance provider will refill your account with a 100% sum insured.
· Domiciliary hospitalization cover:
Patients can take treatment at their residence if they are physically challenged or medically unable to move. This insurance company will cover the medical expenses of the treatment taken at your home.
Types of the plan provided by Aditya Birla Health Insurance company
Aditya Birla Health Insurance company is providing the best health insurance policy in India. From an individual plan to a family floater plan, we have all the range of policies. Apart from this, you can also customize these plans according to your budget and requirements:
· Individual Plans:
If you are still a bachelor then you can take an individual plan for yourself. This has a low premium as compared to other plans provided by this company. A person can pay his all hospital expenses by purchasing this individual health plan.
· Family Floater Plans:
If you want to take an insurance policy for more than 2 persons, then family floater plans are perfect for you. You can include your parents, spouse, and kids in this policy. This type of plan has a high premium as the insurance provider is providing a high sum insured. Also, purchasing a family floater plan of people will cost you less than purchasing individual plans.
· Critical Illness cover Plans:
If anybody in your family gets diagnosed with any critical disease then you can think of a critical illness cover. This insurance cover will pay the entire expenses of the treatment after the waiting period.
· Long Term Plans:
If you don’t want to take the hassle of renewing your policy or forgot to renew it then go for this policy. Users will also get attractive discounts on purchasing long term plans.
Apart from this, recently Aditya Birla Health Insurance company has announced a special plan for COVID treatment. In this policy, you can take cashless treatment after serving the waiting period of 30 days.
What are the Permanent exclusions in Aditya Birla Health Insurance policy?
- This policy will not cover any treatment if suicidal attempts. Apart from this, they will also not cover your medication of intake of any intoxicants or hallucinogenic substances.
- An insurance policy will not cover cosmetic surgery, contact lenses fixing, and aesthetic treatment.
- Any surgery or treatment for hearing aids and spectacles is not included in the policy.
- Aditya Birla Health Insurance policy will not cover the treatment of mental illness or psychological disorder.