Aditya Birla Health Insurance for NRIs
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Overview of Aditya Birla Health Insurance for NRIs
Aditya Birla Health Insurance for NRI covers the medical expenditure of NRIs or Non-Resident Indians while visiting or staying in India. It covers the cost of hospitalization, OPD consultations, emergency assistance services, etc., incurred by the NRI during a medical emergency faced in India or abroad. It also offers lucrative benefits, including 100% Health Returns, annual health check-ups, reload of sum insured, health assessment benefits, etc.
Aditya Birla Health Insurance for NRI in Detail
Aditya Birla Activ Health Platinum Plan
The Aditya Birla Activ Health Platinum plan comes with a sum insured amount ranging from Rs 50,000 to Rs 2 crore. It is available in three variants - Essential, Enhanced and Premiere.
Coverage Benefits:
- Hospitalization expenses, mental illness hospitalization and home treatment are covered
- OPD cover, dental consultations and post-hospitalization physiotherapy cover are available
- Emergency assistance services, critical illness cover and international coverage for major illnesses are covered
- Premium waiver, super reload of the sum insured and recovery benefit are available
- Obesity treatment, modern treatment and second e-opinion for critical illness are covered
- Maternity expenses, hospital cash benefit and waiver of mandatory co-payment are available as optional covers
Aditya Birla Activ Fit Plan
The Aditya Birla Activ Fit plan is available for a sum insured, ranging from Rs 1 lakh to Rs 1 crore. It comes in two variants - Plus and Preferred.
Coverage Benefits:
- In-patient treatment, domiciliary treatment and AYUSH cover are available
- Home treatment, maternity expenses and pre-post hospitalization expenses are covered
- Domestic emergency assistance services, binge refill and daily shared accommodation are available
- Premium waiver, non-medical expenses waiver and reduction in maternity waiting period are available as optional covers
- OPD expenses, super no claim bonus and travel protect cover are also available as an optional cover
Aditya Birla Activ Assure Diamond Plan
The Aditya Birla Activ Assure Diamond plan offers a sum insured amount varying from Rs 2 lakh to Rs 2 crore. It is available in two variants - Diamond and Silver.
Coverage Benefits:
- Domiciliary treatment, in-patient treatment and day care treatment are covered
- Daily allowance, vaccination cover and AYUSH cover are available
- Road ambulance, emergency assistance services and second opinion on critical illness is covered
- Optional covers, such as any room upgrade, reduction in PED waiting period and super NCB are available
- Cancer hospitalization booster and accidental hospitalization booster are also available as optional covers
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Benefits of Aditya Birla Health Insurance for NRI
Here are some of the key benefits of buying Aditya Birla Health Insurance for NRI:
- Wellness Discount on Premium - NRIs can earn up to 100% discount on the renewal premium with the Health Returns benefit if they achieve more than 13 active days per month and over 325 active days a year.
- Reload of the Sum Insured - With the reload of the sum insured benefit, NRIs can recharge their base sum insured amount before renewal. In some plans, the sum insured can be restored unlimited times in a policy year.
- Annual Health Check-up - The insurance company covers the cost of health check-ups availed by NRIs every year.
- Health Assessment - All Aditya Birla health insurance plans for NRIs cover the cost of annual health assessment, including BP, BMI, blood sugar, total cholesterol, smoking status and HWR.
- Health Coach - NRIs suffering from diabetes, high BP, asthma and hyperlipidemia can take health coaching sessions from the expert health coach from the insurer’s panel.
- Claim Assistance - Customers can also get claim assistance at any step of the claim process from dedicated care managers of the Aditya Birla Health Insurance Company.
- Tax Benefits - The premium paid towards buying or renewing an Aditya Birla health insurance policy is eligible for tax deductions under the Income Tax Act, Sec 80D.
How to Buy Aditya Birla Health Insurance for NRI?
Take a look at the steps that NRIs can follow to buy an Aditya Birla health insurance policy:
Step 1: Log in to Policybazaar.com and select ‘Health Insurance’
Step 2: Choose the people to be insured with their ages and enter your city of permanent residence
Step 3: Select your gender, enter your name and fill in your country code and mobile number
Step 4: Pick a suitable option to provide details of your past medical illness
Step 5: Choose the Aditya Birla health insurance plan that the NRI wants to buy
Step 6: Confirm all the details and pay the premium amount
Step 7: The insurer will issue the Aditya Birla health policy to the NRI.
Note: NRI customers can get a GST refund if the policy was purchased from an NRE account and for a 1-year tenure. All they need to do is to submit a declaration, TRC and a 6 months bank statement of the NRE account used to pay the premium.
How to Renew Aditya Birla Health Insurance for NRI?
NRIs can follow the steps given below to renew their Aditya Birla health insurance policy:
Step 1: Go to the Policybazaar.com and click on the ‘Renew Your Policy’ tab at the top of the page
Step 2: Select the ‘Health Renewal’ option from the dropdown menu
Step 3: Choose your country code and provide your mobile number & the OTP received on it
Step 4: If you are new to Policybazaar.com, go to the ‘Health Insurance’ option on the homepage
Step 5: Provide the required details and select the Aditya Birla health insurance renewal plan
Step 6: Review the details and pay the renewal premium
Step 7: The Aditya Birla Health Insurance Company will renew the policy of the NRI.
Note: NRI customers can get a GST refund if the policy was purchased from an NRE account and for a 1-year tenure. All they need to do is to submit a declaration, TRC and a 6 months bank statement of the NRE account used to pay the premium.
How to File a Claim with Aditya Birla Health Insurance for NRI?
Check out the procedure that NRIs can follow to file a claim under their Aditya Birla health insurance policy:
1
Get Hospitalized
Visit a network hospital of the insurance company and get hospitalized to avail cashless treatment.
2
Inform the Insurer
Get in touch with the Aditya Birla Health Insurance Company and inform them about your planned hospitalization at least 3 days in advance. In case of emergency hospitalization, intimate the insurer within 48 hours of hospital admission.
3
Show Necessary Documents
Display your Aditya Birla health insurance cashless card or provide your policy number at the hospital. Also, show a valid ID proof, such as an Aadhaar card, passport, PAN card, voter ID, etc.
4
Pre-Authorization Form Submission
Submit a duly filled pre-authorization form to the hospital, which will forward it to the insurer to get approval for cashless treatment.
5
Cashless Treatment Approval
The insurer will check if all the documents are as per the policy terms & conditions and upon satisfaction, they approve the cashless treatment request.
6
Settlement of Claims
The insurer will pay the claim amount to the network hospital after the NRI has been discharged.
For reimbursement claims, the NRI should settle all the bills at the time of discharge, collect all the documents and submit them to the insurance company. The insurer will verify all the documents and pay the claim amount.
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*We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.
*Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.
*All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.
**All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.
*₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.
*₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases
*₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.
*₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.
*No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.
*The values taken for effective cost calculation are indicative values and may change as per the selected plan.
*Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.
*Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.
*The scope of coverage may vary from plan to plan.
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##On ground claim assistance is available in 114 cities
Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.
STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.
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