Choosing a family health insurance plan with Aditya Birla Health Insurance Company in India is the best decision as it saves you from the financial burden of future health emergencies. Let’s understand in detail how to plan and what you should keep in mind.
What is family health insurance?
All family members are covered under a single health insurance plan with the same ‘sum insured’. This makes the premium lower than individual policies and brings all the benefits under one roof. ‘Family floater’ plans usually have a sum insured for the entire family—that is, any one or more family members can avail up to that amount for their respective hospital bills throughout the year.
1. Members covered under the plan
- Policyholder
- Spouse
- Children (usually 2-3, more in some plans)
- Parents (in some premium or separate coverage plans)
- Spouse’s parents or in-laws may also be covered in some plans
Features of the company’s plans
1. Key Plans
The popular family plans offered by Aditya Birla Health Insurance are:
- Active Health Platinum
- Active Health Premier
- Arogya Sanjeevani Policy
- Group Active Health
- Sub-plans are also available at times, such as Enhance, Essence, etc., which may have different features.
2. Key Features
- Pre and Post Hospitalization Cover: Medical expenses before and after hospitalization for a few days.
- Day-care treatment cover: Treatment that can be done in less than 24 hours.
- Chronic diseases: Covers diabetes, blood pressure and high-risk conditions.
- Renewability: Lifetime renewal.
- Free health check-up: Annually.
- No-Claim Bonus: Coverage increases as you go through years without making a claim.
- Cashless Treatment: Instant disbursement at Ample Network Hospitals.
Policy making process (step-by-step guide)
1. List family members
Determine the number of your family members, their age, medical history and special needs. The minimum age is usually 90 days for children and 18 years for adults. The maximum age varies from plan to plan.
2. Choose the right plan
- Sum Assured: The amount available in different plans ranges from Rs 3 lakh to Rs 1 crore.
- Premium: The higher the coverage, the higher the premium.
- Features: Check preventive health, wellness, chronic diseases, etc.
- Network Hospitals: Check if hospitals near you are covered.
- Claim Process: Online/Offline, documentation is simple.
3. Use the Premium Calculator
- Visit the company website/app or policy aggregator (PolicyBazaar, PolicyX, Bajaj Finserv, etc.) platform.
- Enter age, number of family members and sum assured.
- The system will automatically show the possible plans and premiums.
4. Compare plans/policies
View multiple plans based on features, claim settlement ratio, hospital network, exclusions and riders.
5. Application and documents
- Name, age, identity proof (Aadhaar/PAN card), medical history form.
- Birth certificate/school ID for children.
- Bank details (for premium).
- Some applications may require medical tests (after 40-45 years of age, or due to past medical history).
6. Premium payment and policy activation
- Many online platforms accept payments through UPI, debit/credit cards, net banking.
- After payment, policy/coverage details are instantly sent to your email/mobile.
7. Online Health Card
On successful payment, you get a digital health card which can be shown at network hospitals to avail instant cashless treatment.
What to look out for and what to look out for?
1. Inclusions and Exclusions
- Pay special attention to what is covered in each plan and what illnesses or treatments are not covered.
- Typically, there is a waiting period of 2-4 years for pre-existing illnesses.
- Some cosmetic or dental treatments, IVF, etc. are not covered.
2. No-Claim Bonus
- Get a discount or increase of 10-50% in the sum insured every year without making a claim.
3. Claim Process
- Online claim form, quick claim approval
- 24×7 helpline, tracking via mobile app
4. Network Hospitals
- It is important to check which hospitals are in the company’s network in your city and region.
- 4.5 Health and Wellness Rewards
- Fitness activity tracking, health challenge – earn rewards as you pay premiums.
5. Lifetime Renewability
- Can the policy be renewed for life?
- Age limit, medical checkup, waiting period? Know about the policy from customer care.
Channels to buy policy
1. Online:
- Company’s official website (adityabirlacapital.com), policy aggregators (PolicyBazaar, PolicyX), banking partners.
- Quick comparison, calculation and payment facility.
2. Offline:
- Company’s agents, branch offices, or partner banks.
3. Customer support
- Website, toll-free numbers, 24×7 helpline.
Benefits/Precautions of the plan
1. Benefits
- Frees the family from financial worries in case of an emergency.
- Spend wisely—tax exemption (income tax under 80D)!
- Medical bills, medicines, tests, ICU, ambulance facility (as per plan).
- Budget-friendly plan.
2. Precautions
- It is important to understand ‘co-pay’, ‘sub-limits’ (room rent, doctor’s fees).
- Is there any ‘Restoration Benefit’ (restart of cover after the sum insured is exhausted)?
- What are the limits/exclusions on motor ailments, cosmetic surgery, cosmetic dentistry, IVF?
- Read the rules for annual medical check-up and health returns.
Conclusion
Aditya Birla Health Insurance’s family plans offer highly proven and cost-effective solutions for Indian middle class and upper middle class families. With proper research, comparison and smart choices, you can build a strong foundation for your family’s health protection, so that you are always protected in case of an unexpected medical emergency.