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Aditya Birla Group Activ Health Plan

The Group Activ Health plan is a variant of the group insurance products offered by the private insurance firm, Aditya Birla Health. With this unique offering, Aditya Birla Health maintains its commitment to promote the physical well-being of individuals apart from providing a financial cover for medical calamities. Irrespective of the plans, all policyholders can take advantage of a wellness coach who will provide guidance for achieving fitness goals. Aditya Birla Health places the health of its consumers at the heart of its health insurance products making it different from other health insurance providers.

As the name suggests, the Group Active Health plan is a group insurance health plan which means that it provides coverage for members of a group. A group can be members of a society, professionals in a common group, and employees working for the same company, etc. A group health insurance plan is mostly included in the compensation benefits offered to an employee on joining an organisation. Group health insurance policies are uniform in nature which means that the same benefits can be enjoyed by all the members of the group or employees. Most employers extend the coverage under a group health insurance plan to the family members of an employee. Group insurance plans can be highly beneficial for people who cannot afford individual health plans.

Advantages of a Group Health Insurance Plan:

  • There is no waiting period for a group health insurance plan, even for critical illnesses like diabetes, asthma, heart ailments, etc. and the insured individual is provided coverage from day one of enrolment.
  • Even maternity benefits are available to be reaped from day one of the enrolment.
  • The policyholder need not undergo any medical checkup or submit medical reports to be covered under the group insurance plan.
  • Under a group insurance plan, the status of an individual is not taken into account. This means that an individual who is prone to diseases can avail benefits of a health plan at affordable premium rates. Insurers usually charge high premium rates for high-risk individuals.
  • Buying an individual health insurance could become a costly affair for some and for those individuals, a group insurance health plan can come in handy when medical exigencies strike.
  • Group health insurance plans are crucial for safeguarding the health of members of a group.
  • Family members are also offered coverage under a group insurance health plan. This will reduce the financial burden of the policyholder because otherwise, he/she has to pay premiums for individual health policies.

Features and Benefits of Group Activ Health Plan:

As stated above, the Group Activ Health plan provides a comprehensive coverage for members of a group. It can be customised by the employer or the insurance provider to meet the needs of its group members. Below are the benefits and features offered by the plan:

  • Provides coverage for pre and post-hospitalisation expenses, ambulance charges, room rent, doctor’s fee, etc.
  • Expenses for daycare treatments are also covered under the plan.
  • Maternity-related expenses are offered cover from day one of enrolment under the Group Activ Health plan.
  • There is no waiting period for critical illnesses like hypertension, asthma, diabetes, heart ailments, etc.
  • For major critical illnesses, a second opinion of specialist medical practitioners are available through an online medium.
  • Settlement of claims will be provided through a cashless facility where the hospital bills will be directly settled by the insurance provider, in this case, Aditya Birla Health. The cashless facility can only be availed at network hospitals.
  • The documentation involved in enrolling in a Group Activ Health plan is simple and hassle-free.
  • Insurance coverage is provided for pre-existing illnesses as well.
  • There is an option of availing the benefits of a wellness coach who will guide policyholders towards a sustained healthy behaviour.
  • Different optional covers are available for policyholders as per their health needs.
  • Under the Group Activ Health plan, the policyholder is eligible for a free health checkup every year.
  • Domiciliary hospitalisation is also covered under the plan and includes attendant charges and medicine costs.
  • Like in most group health insurance plans, there is no need for the policyholder to take a medical checkup or produce medical reports.
  • Daily hospital cash allowance will be given in case the policyholder is admitted to a hospital and the amount can range from Rs.500 to Rs.5,000.
  • Choice of hospital rooms is also given to the policyholder.
  • Aditya Birla Health has a broad coverage of network hospitals to ensure high accessibility to hospitals.
  • Any premium paid towards the Group Activ Health plan is eligible for availing tax benefits under Section 80D of the Income Tax Act, 1961.

The Group Activ Health plan can be an ideal health insurance partner for both the buyer and the beneficiary which in the case of organisations are employers and employees, respectively.

 4.5 / 5.0   by 6164 users
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Group Activ Health Plan Reviews

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  • Religare Health Insurance
    "Fast claim process"
    0.5 4.5/5 "Excellent!"
    My health policy was offered by RBL creidit card, I paid the premium around Rs. 9000 its has Rs. 5lakhs of family cover , the insurer got tied up with many hospitals. When my son was not well at the time I admitted them for three days of treatment through cash less option.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jun 24, 2019
  • Reliance General
    Reliance General Health Insurance
    "Good service"
    0.5 5.0/5 "Blown Away!"
    My company had provide heath insurance for me, i have done claim experience with Reliance general health company, their service was good, like i have done cashless treatment , they have tie up with many hospital , so far i did not face any type of issue.
    Was this review helpful? 0
    , ghaziabad
    Reviewed on Jun 24, 2019
  • National Insurance Health Insurance
    "GOOD"
    0.5 4.0/5 "Great!"
    I am using the corporate insurance policy for health since from last 4 years. I had no claim experience also the policy has the medical coverage of 2L for family added on that the policy has the disease coverage as illness coverage. The listed hospital is good.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jun 23, 2019
  • Future Generali Health Insurance
    "GOOD"
    0.5 4.0/5 "Great!"
    I am using health insurance policy with FUTURE GENERALI GENERAL INSURANCE since from last one year and the premium paid was 1400 rupees it gives the medical coverage of 5L for family. The listed hospital is good also the customer support is good.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jun 23, 2019
  • Bajaj Allianz Health Insurance
    "GOOD"
    0.5 4.0/5 "Great!"
    I had no claim experience but using from last 5 years. The premium paid buy the company and it is a corporate insurance policy, medical coverage is for 3L for family coverage apart from that they have no additional coverage in this insurance policy.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jun 23, 2019
  • Religare Health Insurance
    "More than satisfactory"
    0.5 5.0/5 "Blown Away!"
    Religare health care was quick to send me the policy papers after I purchased my health policy through them. I have take the policy for my whole family. The medical coverage is of 12 lakhs and the premium is of 15K which is paid on a yearly basis. There are so many benefits on the card.
    Was this review helpful? 0
    , chennai
    Reviewed on Jun 23, 2019
  • HDFC Ergo Health Insurance
    "Satisfied"
    0.5 5.0/5 "Blown Away!"
    It is a corporate health insurance policy with HDFC Ergo. It is a family floater and I got the medical card for each member as well. The medical coverage is of five laksh for the whole family. It was a easy process to get the policy and the details .
    Was this review helpful? 0
    , chennai
    Reviewed on Jun 23, 2019
  • Bajaj Allianz Health Insurance
    "Great experience"
    0.5 5.0/5 "Blown Away!"
    I prefer Bajaj since have been getting good services on various parameter. I took a medical policy with BajaJ Allianz for one year. It covers 3 of family member and 1 individual. Monthly payment is Rs.1024 for family and individual is Rs.645, the best thing is need to pay only 10months and 2months are exclusive. They are providing good medical coverage.
    Was this review helpful? 0
    , vadodara
    Reviewed on Jun 22, 2019
  • Star Health Health Insurance
    "EXCELLENT"
    0.5 5.0/5 "Blown Away!"
    I had no claim experience with health insurance where i am using it from STAR HEALTH & ALLIED INSURANCE since last 2 years. The premium paid was 15k and the medical coverage is for 5L for 4 person. The listed hospital is good. I got the health card with this policy.
    Was this review helpful? 0
    , pune
    Reviewed on Jun 22, 2019
  • Tata AIG Health Insurance
    "Excellent Policy"
    0.5 5.0/5 "Blown Away!"
    My employer has provided me a health insurance policy from TATA AIG and the premium is being deducted from my salary. I do not have any claim experience till now. My entire family has been covered in this policy. I got the coverage amount of Rs. 5 lakhs.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jun 22, 2019
  • New India Health Insurance
    "Average"
    0.5 4.0/5 "Great!"
    I took a health insurance with New India Assurance which was suggested by well known agent to me. The medical coverage is 2L and the policy covers only myself. I have paid premium near about 4 to 5K for one year policy. I got the insurance paper and E-cards on time. I have no claim experience.
    Was this review helpful? 0
    , kolkata
    Reviewed on Jun 22, 2019
  • Oriental Insurance Health Insurance
    "Overall good"
    0.5 4.0/5 "Great!"
    I feel the Oriental insurance policy cover is lesser, they quoted only Rs. 3 lakhs its cover entire family, it has no claim benefits and cash less treatment facility available. They got tie up with many hospital, they improvement sum assured as per current scenario.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jun 22, 2019
  • review Health Insurance
    "Excellent"
    0.5 5.0/5 "Blown Away!"
    I got a health insurance with Iffco Tokio which was offered by company. Recently have utilized the policy for wife pregnancy. The claim process is excellent and not even single rupee have been paid by my pocket. They have asked for pan card, health card and company id card and the procedure is simple with less documents.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jun 21, 2019
  • Star Health Health Insurance
    "So far good"
    0.5 4.0/5 "Great!"
    I took a health insurance with Star Health and it was suggested by one of my friend. He is working in the same company so its much easier to get a help from knowing person. I have no claims and am paying 6K to purchase the policy. It covers 2kids and 2 Adults, the medical coverage is 5L.
    Was this review helpful? 0
    , visakhapatnam
    Reviewed on Jun 21, 2019
  • Religare Health Insurance
    "Excellent"
    0.5 5.0/5 "Blown Away!"
    Its more than a year with Religare and have several claims which was good. They have covered 5L health insurance for my family and it included 3members. They have multiple networks of cashless and its easy to claim. It covers all type of disease. Its a corporate health policy.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jun 21, 2019
  • New India Health Insurance
    "Need scope of improvement"
    0.5 4.5/5 "Excellent!"
    I have New India assurance health policy, the employer gave me Rs. 3.5 lakhs of medical cover it protects me, spouse and son. I faced a claim when my son was admitted hospital for one month, I got the reimbursement upto 90%. They have to take action quickly and they should give cash less treatment for that they should tie up more hospitals.
    Was this review helpful? 0
    , pune
    Reviewed on Jun 21, 2019
  • Star Health Health Insurance
    "Excellent service"
    0.5 5.0/5 "Blown Away!"
    My company had provided me health insurance with Star health insurance, the medical coverage is up to 7,00,000 whenever i want to apply it would be cashless treatment, they have tie up with many hospital , my experience was good with them. Their customer care service is good.
    Was this review helpful? 0
    , secunderabad
    Reviewed on Jun 20, 2019
  • Star Health Health Insurance
    "Good Policy"
    0.5 5.0/5 "Blown Away!"
    I have applied the claim twice from Star health insurance. On the emergency purpose, the hospital is not covering for cashless facility hence i have submitted all the documents and proceed the claim. Within 7 days, they have processed the claim. I have taken the policy for my entire family. Earlier i took a family covered policy and when I'm renewing the policy, i have taken two separate policy for myself and my parents.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jun 19, 2019
  • Star Health Health Insurance
    "Reasonable policy"
    0.5 3.0/5 "Satisfactory"
    One of relative who is working as a agent has forced me to take the health insurance policy from Star. I have taken the policy for my family. Since my wife is taking care of the policy, I'm not sure about the premium and coverage value. I do not have any claim experience so far.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jun 19, 2019
  • National Insurance Health Insurance
    "GOOD"
    0.5 5.0/5 "Blown Away!"
    I had a claim experience many time where and it was cashless also reimbursement, i got 80-90% claim. I am holding since from last 10 years also paying the premium for 6K for medical coverage of 1L. The disease, pre existing disease, illness, accidental coverage is there.
    Was this review helpful? 0
    , ahmedabad
    Reviewed on Jun 18, 2019
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