In Patient Hospitalization- If it is a planned treatment or an unforeseen emergency and you need to stay in the hospital for more than 24 hours, Aditya Birla Health Insurance will cover expenses like room rent, doctor’s fee, operation theatre expenses, medicines, drugs and other consumables under the policy as per your eligibility. Room options for SI 4 lakhs and above: Shared room, Single private a/c room & any room.

Pre-hospitalization Medical Expenses- You may incur expenses for consultations or diagnostic tests before your hospitalization, such costs will be covered up to 60 days before your hospitalization, where the hospitalization claim is accepted by the company.

Post-hospitalization Medical Expenses- You may incur expenses for medicines, diagnostic tests and other such costs will be covered up to 180 days after your discharge from the hospital where the hospitalization claim is accepted by the company.

Day care Treatment- Get covered for medical expenses incurred on the Insured Person’s day care treatment, up to the specified limits during the policy period following an illness or injury that occurs during the policy period.

Domiciliary Hospitalization- Get covered for medical expenses incurred for the Insured Person’s Domiciliary Hospitalization, up to the specified limits during the policy period following an illness or injury that occurs during the policy period.

Road Ambulance Cover-  Aditya Birla Health Insurance will cover cost incurred towards transportation by road ambulance to a nearest hospital from the place of occurrence of an Emergency for treatment, where such Emergency occurs during the Policy Period.

Organ Donor Expenses- Aditya Birla Health Insurance cover the medical expenses up to the specified limits, incurred by or in respect of the organ donor, for an organ transplant Surgery accepted by Aditya Birla Health Insurance solely towards the harvesting of the organ donated.

Reload of Sum Insured- In case the sum insured with cumulative bonus (if any) is insufficient as a result of previous claims in that policy year, then you get an additional sum insured up to 100% for your health needs resulting out of an illness unrelated to previous claims in that policy year

AYUSH Cover- Get covered on a reimbursement basis, up to the limits as specified towards the Medical expenses for in-patient hospitalization incurred with respect to the Insured person’s Ayush treatment undergone in any AYUSH Hospital.

Mental Illness Hospitalization- Aditya Birla Health Insurance will cover the medical expenses incurred by the Insured person up to the specified limits, towards hospitalization of the Insured person specifically for any Mental illnesses.

Obesity Treatment- The problem of obesity is commonly faced by many. Aditya Birla Health Insurance understands it holds you back from having a healthy physical and mental well-being. Get covered for the related medical expenses as specified in the policy documents if the Insured person is hospitalized for a Bariatric surgery which is medically necessary, on the written advice of a Medical Practitioner.

Home Treatment Expenses- You can avail treatment expenses at home up to the specified limits for Illnesses / Injuries such as chemotherapy, dengue, gastroenteritis, hepatitis, peritoneal dialysis on a cashless basis. Only to be availed through Aditya Birla Health Insurance’s Network Provider / Empaneled Service Providers providing such facility.

Second E-Opinion for Major Illness- When it comes to detection of a major illness such a cancer, kidney failure and many more, then a second opinion is always helpful. Aditya Birla Health Insurance understand that and provide you with a second e-opinion through a consortium of domestic and international medical practitioners. This benefit is available on Cashless Facility basis only

Health Check-up program- Aditya Birla Health Insurance provide a free comprehensive health check-up for each adult once in a policy year customized to the life stage you are in

Domestic / International Emergency Assistance Services (including Air Ambulance)- We travel on work or sometimes to get away from our busy lives and sometimes we may end up going to places that are remote. In such cases where an adequate medical facility is not available and you need medical help, Aditya Birla Health Insurance will help you reach such a medical facility and then take you back to your home.

Get covered for emergency medical assistance outside India/within India when Insured person is travelling 150 kms or more away from his/her residential address for a period of less than 90 days.

OPD Cover- Aditya Birla Health Insurance shall cover costs incurred for  medically required consultations, diagnostic tests and pharmacy expenses which are incurred on an out-patient basis at Aditya Birla Health Insurance’s network providers

Chronic Management Program- Aditya Birla Health Insurance know that you don't choose the illnesses that you get; they can happen to just to anyone.  Under the Chronic Management Program, the Insured Person Aged 18 years and above will be entitled to manage Medical Expenses for outpatient

treatment of Diabetes, Hypertension, Hyperlipidaemia, Asthma, as specified in the Policy Schedule,

These services can be availed at Aditya Birla Health Insurance’s Network Providers and /Empanelled Service Providers (such as Outpatient clinics or Physicians /Diagnostic centres)) for chronic conditions listed above, on a Cashless basis.

HealthReturnsTM- Aditya Birla Health Insurance policy rewards you for staying fit and healthy and these rewards are accumulated in the form of HealthReturns. You can start earning HealthReturns by completing the following steps

1. Complete a health assessment which as a result provides you a healthy heart score

2. Start exercising to earn Activ Dayz

3. Earn HealthReturns monthly based on the accumulated Activ Dayz and your Healthy Heart Score.

You can use these HealthReturns for something as small as getting medicines for a fever or even for a surgery that is not covered due to a waiting period or exclusion in the policy. Furthermore, you can use HealthReturns for paying your premium from the 1st renewal of the policy.

Health Assessment- Health Assessment measures MER including BP, BMI HWR and smoking status, Blood Sugar and Total Cholesterol.

Premium Waiver- Aditya Birla Health understands you can be diagnosed with an unforeseen critical illness during the policy period. It may result in mental and financial stress. To help you sail through these tough times you can avail one policy year premium waiver, for detection of listed illnesses for adults aged 18 years and above. This can be availed only once in the lifetime of the policy.

Cumulative Bonus- If you have not made any claim in a Policy Year and have successfully renewed the policy with us continuously and without any break, you will be eligible for Cumulative Bonus. You can get up to 50% increase in your Sum Insured without an associated increase in premium, but maximum up to 100% of Sum Insured or up to INR 1Cr.

Dental Consultation and Investigations- You can avail cashless Dental consultation and investigation services at Aditya Birla Health Insurance network providers or empaneled service providers. This covers comprehensive oral evaluation, oral prophylaxis and cost of x-ray. All three services listed above shall be availed on a single appointment scheduled by Aditya Birla Health Insurance.

Expert Health Coach- Aditya Birla Health Insurance Expert Health Coach provides guidance on nutrition, fitness, medical counselling and tele consultation with Homeopathy doctor. Mental health counselling includes screening for mental health status and consultation sessions.

Modern Treatment Methods and Advancement in Technologies- Due to advancement in technologies, covers Modern Treatment methods like Robotic surgeries, oral chemotherapy, stem cell therapy and more as a part of in-patient hospitalization or day care treatments 

Hospital Cash Benefit- For each day that you get hospitalized, you get an added benefit of a per day allowance with Aditya Birla Health Insurance.A deductible of 24 hours shall apply under this benefit. This benefit shall be payable for a maximum limit of 30 days in a policy year and 10 days for each claim. You can choose the amount of Rs. 500 to Rs.5000 (in multiples of Rs.500) based on your needs. This is an optional cover.

Personal Accident Cover- Accident and injuries can strike out of the blue and disrupt your life adversely. With Personal Accident cover, you can live your life without worrying about such possibilities. For a small premium, secure yourself and your family from financial implications of fatal accidents. The payout will be as per the Sum Insured. Both Accidental Death and Permanent Total Disablement are covered under Personal Accident Cover. This is an optional cover.

International Coverage for Major Illnesses- Sometimes for a major illness, under medically necessary treatment you will be advised for an international treatment. Aditya Birla Health Insurance cover planned in-patient hospitalization expenses for 16 major listed illnesses. This benefit is applicable only for Insured Person(s) who are Indian Citizens residing in India and with base sum insured of 10L and above. You can get covered for sum Insured INR 3 Cr and 6 Cr. This is an optional cover.

Critical Illness Cover- Developing a critical illness poses a greater risk. Besides the physical and emotional stress, a critical illness can drain you financially. Hence having a Critical Illness cover for up to 20 listed critical illnesses helps you overcome financial shortcomings. A short Survival Period is required of 15 days following the initial diagnosis of a critical illness. Initial waiting period of 90 days is applicable. This is an optional cover