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Aditya Birla Health Insurance Plans

Aditya Birla Health Insurance Company

Aditya Birla Health Insurance Co. Limited (ABHICL) is an independent part of Aditya Birla Services Financial Group (ABFSG), providing health insurance services. The new business diversification of ABFSG is a combined undertaking between the Aditya Birla Group and MMI Holdings Limited (MMI), which is a diversified company, specialized in providing financial services in South Africa.

With its debutant venture in the Indian market, MMI Holdings Limited aims at expanding its financial services in the health insurance sector, which is fairly underdeveloped in India. The reach of health insurance is not more than 5% in the country. Thus, with venture ABHICL aims to develop the untapped sector.

Company Performance

  • In the previous year, ABHICL reported a preliminary income of INR 3,86,137.
  • A loss of INR 152,007,105 was documented since it was the first operational year.

Key Advantages and Features

The health insurance plans under ABHICL are Active Health Essential, Active Health Enhanced and Group Insurance Products. Here’s a comprehensive guide comparing all the plans available under its insurance arm.

Basic Features

  • The terms for both the plans ranges from 1 to 3 years.
  • The amount of sum assured in the former plan runs from INR 3-10 lakhs, while in the Enhanced plan it can be subscribed up to INR 20 lakhs.
  • Pre-medical hospitalization expenses are covered for additional 30 days in the Enhanced plan option i.e. 60 days.
  • Post-medical hospitalization expenses are covered for 180 days and 60 days in Enhanced and Essential plans respectively.
  • Compulsory co-payment is mandatory under Essential of 20%.
  • Under Enhanced ancillary expenses of organ donors are covered as well, apart from the surgery fee.
  • Ambulance expenses for hospitals who are absent in the network are covered up to INR 2000 and INR 5000 in Essential and Enhanced respectively.
  • Hospitalization expenses for IPD patients are covered from economy to single room, on the other hand under Enhanced plan expenses of any shared room are covered.
  • Domiciliary expenses are reimbursed under both the options.
  • Apart from the above benefits and features, medical aids like day care treatment, expenses incurred for fetching the second opinion of specialists in case of critical illnesses, a chronic management program for illnesses like diabetes, hypertension, asthma, etc. Health returns which are given as rewards for staying healthy, services of wellness coach who guides you and acts as a reminder for a healthy diet, cholesterol scrutiny, workouts, fitness schedule, etc., are also provided under both the plans.
  • Tax benefits can be availed under section 80D of Income Tax Act, 1961.
  • Free health check-up to monitor your complete physical wellness is also provided once a year.

Flexibility is given to choose any type of room depending on the insured’s convenience. And if the room is given from a category lower than what you paid the premium for, then it will be adjusted through your health returns. You can use the health returns for paying for renewal after the completion of the first year of your health insurance plan.

Some of the additional benefits under Essential and Enhanced plans are given below: -

Cumulative Bonus Increase of 10%, maximum up to 100%. No reduction in claim 20% increase, max up to 100% or INR 50,00,000. No reduction in claim amount.
Recovery Benefit Unavailable under this plan 1% of sum insured, maximum of INR 10,000 (10 days of hospitalization)
Worldwide Emergency Assistance Services Unavailable Medical assistance provided in any remote areas of the world. Expenses incurred to return to your hometown also covered.

Types of Products

Health insurance policies differ according to an individual’s preferences, needs and budget. With the skyrocketing cost of medical expenses and health care in India, it is advisable to opt for a comprehensive health insurance package which would cater to every unprecedented medical emergency and related expense.

Bearing the above constraint carefully in mind, Aditya Birla Health Insurance has formulated its insurance products that include plans which are classified neatly into two categories. These plans are a part of the platinum health insurance package.

The plans are known as -

  • Active Health Essential &
  • Active Health Enhanced.

Active Health Essential is an affordable and budget savvy health insurance cover. It is the basic plan in this category. The scale of the amount of policies in this package is limited. It provides the primal benefits and services.

Active Health Enhanced, as the name suggests, is a comprehensive and covers a wider scope in providing insurance services. The scale range of policy amounts is wider than Active Health Essential. It entails additional benefits and features comparatively, which will be covered in detail further.

Aditya Birla Health Insurance, compared to its peers in the insurance sector like L&T Health Insurance and SBI Health Insurance, extends coverage to at least nine members of the family. The other insurance players, on the other hand, have their coverage limit only up to six family members.

Even in the coverage of the hospital network, Aditya Birla Health Insurance cloaks a larger area than its peers. It has different zones under which the hospitals are chosen.

Health Insurance Plans Details

  • The Essential plan covers all the basic and preliminary features of a health insurance plan like pre-hospitalization and post-hospitalization expenses, day care treatment, ambulance cover, in-patient hospitalization etc. The Enhanced plan provides additional benefits comparatively.
  • Compared to other health insurance plans, the Essential option provides extra advantages like cumulative bonus, health check-up program, second E opinion for critical illnesses, etc.
  • Enhanced plan subscription makes the insured eligible for Worldwide Emergency Assistance Services.
  • Essential plan also has value added services like coverage for Chronic Illnesses called Chronic Management Program.
  • Apart from Chronic Management Program, benefits of Health Returns and Wellness Coach are provided under Enhanced plan.

Plan 1 - Active Health Essential

Active Health Essential is the first plan which provides basic services. It is a smart and reasonable coverage insurance plan which can suffice to every common man’s medical expenses reimbursement needs.


  • The plan provides flexibility in the preference of the category of room.
  • There is no reduction in the no-claim bonus in case of a settlement claim.


  • The minimum age for subscribing to this health insurance plan is 91 days, and no bar on the upper limit of age is fixed.
  • As dependents under the floater, children up to 25 years can be covered

Plan 2 - Active Health Enhanced

Active Health Enhanced is a compendious and wide-scoped insurance package compared to Active Health Essential. The features, benefits, network coverage of hospitals, etc. are the same as the former plan.

Subscribing to this plan will make the insured eligible for extra benefits like World Emergency Assistance Services, a wider range of policy amount, etc.


  • The insured can avail a sum up to INR two crores.
  • It provides additional benefit of recovery at 1% of sum insured, limited to INR 10000 (10 days of hospitalization)


  • The age bar and the dependents condition under the floater is the same as the former plan.
  • In family floater plans, up to nine members are covered (six adults and three children). It should comprise of self, dependent parents, dependent parents-in-law, children up to 25 years of age (only up to three)