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Aditya Birla Group Insurance Products

A health insurance plan that offers financial coverage to a group of people is termed as a group health insurance plan. The group can be members of a society or employees of a firm. Most group health insurance plans are offered by employers as a benefit to the employees and the plan is designed either by the employer or the health insurance provider. These plans are mostly uniform and offer the same benefits to all the group members.

Group health insurance plans are advantageous for both the employer and the employee. Employers use group health plans as a vehicle to motivate employees by covering for their medical expenses which otherwise can cause a financial burden on the employee. Since the policy is bought for a large number of people, employers can get a discount on the premiums and they can also enjoy decreased tax liabilities. Group health insurance plans are also used to attract potential employees and retain the existing ones.

On the employee front, group health plans can be really beneficial as the rising medical costs can leave the employee in financial distress when he/she is struck with a medical calamity. Employees also do not have to go through the hassle of undergoing any medical health checkup for enrollment. There is also no waiting period and most illnesses are offered coverage from day one.

To cater to the healthcare needs of members in a group or firms, Aditya Birla Health has launched 2 group insurance products called as Group Activ Health and Group Activ Secure. Both these products provide a comprehensive coverage for hospitalisation expenses arising out of an accident, critical illness and other ailments. Before we get into the individual features of both these plans, let us first see the features of group health insurance plans.

Features Offered by Group Insurance Health Plans:

  • In a lot of cases, group health insurance plans extend coverage to the family members of the employee.
  • Maternity expenses are provided cover starting from day one, under a group insurance health plan.
  • For illnesses like diabetes, hypertension, asthma, etc. there is no waiting period and the beneficiary is covered from the first day of the policy issuance.
  • As stated above, there is no need for beneficiaries to undergo a health checkup to be a part of a group insurance plan.
  • Cashless facility is available for hospital treatments where the bill will be directly settled between the health insurance company and the hospital.
  • Ancillary charges like to and fro travel to hospital, ambulance costs, etc. are also generally covered under group health insurance plans.
  • The health status of the individual is not taken into account for enrollment under the group health insurance plan. So, it is highly beneficial for people who suffer from certain ailments but cannot get an insurance plan at affordable rates.
  • A group insurance plan can come really handy for an individual who does not have any health cover at all. All group members are ‘auto-covered’ under a group health insurance plan without having to enroll individually.

Group Activ Health Plan:

This offering by Aditya Birla offers group hospitalisation cover for medical treatments in network hospitals. The Group Activ Health plan can be completely customised by the employer or the insurance company to meet the health needs of the group members. Some of the other benefits offered under the plan are given below:

  • Provides coverage for in-patient, pre and post-hospitalisation expenses.
  • Diagnostic, physiotherapy and medicine costs will also be covered under this plan.
  • If the policyholder needs to receive a medical treatment at home, the expenses will be paid by the insurance provider.
  • On critical illnesses, an option of second opinion from specialist medical practitioners will be provided to the policyholder through an online medium.
  • Underwriting and policy issuance is quick and simple.
  • Features, waivers on restrictions, and limits can be personalised according to the needs of the policyholder.
  • For the benefit of policyholders, there are various optional covers available which they can opt as per their needs.
  • Documentation for the entire policy enrollment process is simple.
  • Offers cashless claim settlement in case of hospitalisation of the policyholder.

Group Activ Secure Plan:

The Group Activ Secure plan is meant to provide coverage for accidental death, critical illness and daily hospital cash allowance. The plan offers the below-mentioned features:

  • Provides cover for accidental death, permanent or partial disablement.
  • All major critical illnesses are offered protection under the Group Activ Secure plan.
  • Optional wellness coach to help achieve an active and healthy lifestyle.
  • Upon hospitalisation of the policyholder, a daily hospital cash allowance that can range from Rs.500 to Rs.10,000 will be given to meet the hospital expenses.
  • The policyholder will be entitled to a lump sum amount in the event of a medical crisis.

Both the group insurance products offered by Aditya Birla Health - Group Activ Health and Group Activ Secure are highly beneficial for anyone who is looking for a comprehensive coverage for its group members.

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Group Insurance Products Reviews

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  • HDFC Ergo Health Insurance
    "It's Excellent interms of claims but transparency needed for"
    0.5 3.0/5 "Satisfactory"
    HDFC has sold me a health insurance policy and they said after 3 years it covers maternity. But when I enquire they said its not covered in the policy and this feature is only applicable in Gold policy other than this no issues with HDFC for last 12 years. I did not have proof for this so suggest them it does not happen to any customer in future. I quite this policy from HDFC ERGO and its been one year. I took claims, it was fine. The medical coverage was satisfactory.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jul 20, 2019
  • United India
    United India Health Insurance
    "Medical cover should be increased"
    0.5 4.0/5 "Great!"
    My company gave me the medical card of United India, they gave me the mediclaim value of Rs. 2 lakhs its not sufficient when I am trying to enhanced the sum assured. My employer said to pay 10% of money from my end hence I dropped it, I think the insurer is providing cover for all the disease.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jul 20, 2019
  • review Health Insurance
    "So far its good"
    0.5 5.0/5 "Blown Away!"
    My company has provided me a health insurance with Iffco Tokio and its been 2 years. They are deducting monthly 2000 rupees from my salary. There is no claims applicable. The policy coverage is 6L for family members. They are covered with all type of major hospitals.
    Was this review helpful? 1
    , hyderabad
    Reviewed on Jul 20, 2019
  • ICICI Lombard Health Insurance
    "Good claim ratio with ICICI lombard"
    0.5 5.0/5 "Blown Away!"
    The service is faster and the claim settlement ratio is good. I have mediclaim value of Rs. 5 lakhs its covers my spouse and children, they don't have critical illness in the corporate policy. They got tied up with many hospitals in my area.
    Was this review helpful? 0
    , ghaziabad
    Reviewed on Jul 19, 2019
  • Oriental Insurance Health Insurance
    "Good for health"
    0.5 5.0/5 "Blown Away!"
    My company gave me the mediclaim of Rs. 50 lakhs its covers for my entire family around three members. They got tie up with many hospital, there was no additional value added but they are good in customer service. But I don't have any claim so far.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jul 18, 2019
  • HDFC Ergo Health Insurance
    "Good insurer"
    0.5 4.0/5 "Great!"
    I have taken a health insurance in HDFC ERGO on 2 years before. The policy is for yearly renewable.I am paying premium amount of 3 thousands in the half yearly package. While getting a policy my agent has given an information about the policy details. I use to do payments through an online. Tied up with many hospitals.
    Was this review helpful? 1
    , hyderabad
    Reviewed on Jul 17, 2019
  • Religare Health Insurance
    "Good insurer"
    0.5 4.0/5 "Great!"
    I have taken a health insurance in RELIGARE HEALTH on 2 months before. I am paying premium in the monthly package. While getting a policy my agent has given an information about the policy details. I use to do payments through an online.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jul 17, 2019
  • Royal Sundaram Health Insurance
    "Good insurer"
    0.5 4.0/5 "Great!"
    I have taken a health insurance in ROYAL SUNDARAM on last month only. I am paying premium in the monthly package. While getting a policy my agent has given an information about the policy details. They have tied up with particular hospitals only. I use to do payments through an online.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jul 17, 2019
  • Star Health Health Insurance
    "Good health insurance"
    0.5 5.0/5 "Blown Away!"
    5 years back, i have started taking the health insurance from Star health insurance. They are providing some discounts also but i did not get any claim till now. Its because of the best services an the premium is less hence i have purchased the policy with them. My entire family has been covered in this policy. I don't have any claim experience.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jul 16, 2019
  • HDFC Ergo Health Insurance
    "Not recommendable policy"
    0.5 3.0/5 "Satisfactory"
    I have chosen the health insurance from HDFC Ergo without any reason. I have been using the policy for a long time but they haven't provide the no claim bonus till now. They have provided me a coverage value of Rs. 7 lakhs and the executive come to my place to renew the policy. I do not have any claim bonus.
    Was this review helpful? 0
    , chennai
    Reviewed on Jul 16, 2019
  • United India Health Insurance
    "Good 100% claim policy"
    0.5 5.0/5 "Blown Away!"
    My employer has provided me a health insurance policy from United India. Myself and my entire family has been covered in this policy with a coverage value of Rs. 10 lakhs for each person. I had a claim experience which was very fast and smooth. It was cashless facility covered for 100%. Overall, I'm very much satisfied with the policy.
    Was this review helpful? 0
    , greater noida
    Reviewed on Jul 15, 2019
  • Max Bupa Health Insurance
    "Need to decrease premium amount"
    0.5 5.0/5 "Blown Away!"
    I have taken a health insurance in MAX BUPA. The policy is for one year but it will getting renew on every year. I am paying premium in the yearly package and the amount is too high. While getting a policy my agent has given an information about the policy details. They have tied up with particular hospitals only and cashless also applicable.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jul 15, 2019
  • Star Health Health Insurance
    "AVERAGE"
    0.5 3.5/5 "Pretty good"
    I am using from last few years the health insurance policy, i had a claim but the settlement was done for 70% within 3-4days. The coverage is for family, premium paying was nominal, medical coverage is for 4L, illness, pre existing disease coverage is available with the policy.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jul 14, 2019
  • Star Health Health Insurance
    "GOOD"
    0.5 5.0/5 "Blown Away!"
    I had a claim for 2 time and the experience was excellent, it was a reimbursement and cashless once also the customer support is good, i am using from last 10 years. It has the pre existing disease coverage and illness is there, listed hospital is good, premium was nominal, medical coverage is was 10L for family coverage.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jul 13, 2019
  • Oriental Insurance Health Insurance
    "No claim experince"
    0.5 4.0/5 "Great!"
    The benefits are good hence i opted for the oriental insurance. I have chosen the lower premium policy which has a coverage of Rs. 2 lakhs. I have chosen the policy only for me. Almost most of the hospitals has been covered with the cashless facility.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jul 13, 2019
  • Religare Health Insurance
    "Yet to explore the policy benefits"
    0.5 3.5/5 "Pretty good"
    My employer has given me a health insurance policy from Religare and they have provided me a coverage amount of Rs. 5 lakhs. Myself, my wife and my children are covered in this policy. Still now i haven't get my policy documents. They have a cashless facility with some of the hospital as well.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jul 13, 2019
  • Religare Health Insurance
    "GOOD"
    0.5 4.0/5 "Great!"
    I am using the policy from last 1year, i had a claim experience it was good and responsive with the customer support. The premium paid was nominal which was 46K+60K it gives the coverage for family and the medical coverage is for 5L for each, the listed hospital is nominal.
    Was this review helpful? 0
    , pune
    Reviewed on Jul 13, 2019
  • review Health Insurance
    "GOOD"
    0.5 3.0/5 "Satisfactory"
    I have used the heath insurance policy with IFFCO TOKIO GENERAL INSURANCE where i had claim experience but the settlement it takes nearly 3 months with the policy. It gives the coverage for my parents but the policy i am not satisfied.
    Was this review helpful? 0
    , pune
    Reviewed on Jul 13, 2019
  • review Health Insurance
    "GOOD"
    0.5 5.0/5 "Blown Away!"
    The reason for taking the health insurance policy with ADITYA BIRLA HEALTH INSURANCE CO LTD is because it is good when compared to others. the policy i am using from last 6 months and it has the validity of 1 year, it gives the self and spouse coverage.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jul 12, 2019
  • Max Bupa Health Insurance
    "GOOD"
    0.5 5.0/5 "Blown Away!"
    I have taken the health insurance policy with MAX BUPA where i had no claim experience with the policy added on that the policy has the premium as nominal has the good medical coverage. The i have been using from last 6 months and the coverage is for 2 years.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jul 12, 2019
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