Claim Settlement Ratio 99.73%
Claim Settlement Facility 100%
COVID-19 Cover Yes
Network Hospitals 10000
Incurred Claim Ratio 59%
There are various discounts which are offered by Aditya birla health insurance company for its customers that are mentioned below:
The no claim bonus super provides 50% of the base sum insured as bonus for every claim free year maximum up to 100% of the base sum insured. The no claim bonus super cover can be taken in addition to the no claim bonus cover in which the base sum insured would be increased by 105 for every claim free year up to 100% of the sum insured.
Aditya birla health insurance plan provides 3 EMIs toward an existing loan if the insured customer is hospitalized continuously for more than 6 days in a policy year. The EMIs will be paid as a lump sum amount once the insured is discharged from the hospital. It is necessary for the customer to declare the EMI amount and the loan details in the proposal form at the time of taking the policy.
The health insurance policy of Aditya birla provides for unlimited refill of the sum insured in case of exhaustion of the sum insured. The sum insured would be refilled unlimited number of times upon exhaustion of the base sum insured and any existing no claim bonuses.
If the insured person is diagnosed with any of the mentioned critical illnesses during the policy period for the first time or suffers an injury due to an accident resulting in permanent total disability then the premium would be waived off by the company for 1 policy year. The permanent total disability should occur within 365 days from the date of the accident during the policy period.
Aditya birla health insurance plan provides for additional sum insured up to 100% of the base sum insured in case of accidental hospitalization. The additional sum insured would be in addition to the base sum insured and would be available only for hospitalization due to an accident. Cancer hospitalization booster is also available up to 100% of the sum insured if the insured is diagnosed with any of the mentioned critical illness, double sum insured would be available under the plan.
Under this the insurance company would return up to 50% of the premium if the insured maintains an active lifestyle. 30% refund would be available if the insured completes 13 active dayz a month and 20% extra if the insured can complete 275 active dayz a year. Active dayz are those in which the insured should complete 10000 steps per day or 300 calories burned or 30 minute gym session or a fitness assessment test taken every six months.