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  • Aditya Birla Group Insurance Products

     4.0 / 5.0   by 5134 users
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    Cashless Treatment

    Customer Service

    Medical Coverage

    Claim Experience

    Responsiveness

    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.

    Group Insurance Products Reviews

  • Page 1 of 50 1 2 3 4 5
    • HDFC Ergo Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a health insurance policy with HDFC ERGO from last 2 years, i am happy with the coverage value of this insurance policy. I have no claim experience so far with this insurance policy. A premium of Rs 6000 has to be paid for this insurance and the coverage value is Rs 3-4 lacs.
      Was this review helpful? 0
      , vadodara
      Reviewed on Sep 17, 2018
    • Star Health Health Insurance
      "Average Service"
      0.5 3.0/5 "Satisfactory"
      I was using the health insurance policy with the Star Health. I am paying a premium of 35K per year. On one occasion I claimed the policy and they were able to reimburse only 75% of the amount claimed which wasn't satisfactory.
      Was this review helpful? 3
      , hyderabad
      Reviewed on Sep 15, 2018
    • Reliance General Health Insurance
      "Average Service"
      0.5 3.0/5 "Satisfactory"
      I've a health insurance policy with the Reliance General Insurance. I am paying a premium of 27000 per year. It is for the entire family. There hasn't been any claim experience so far. I will have to wait and see how they respond to my requests in future if I will have any.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Sep 15, 2018
    • New India Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      My health insurance is with New India Assurance from last 1 year, i am not aware of the premium amount as my company pays it. I have no claim experience so far with this insurance policy and the coverage value is Rs 2 lacs for individual.
      Was this review helpful? 1
      , bangalore
      Reviewed on Sep 14, 2018
    • Apollo Munich Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a health insurance policy with Apollo Munich from last 7-8 years, i have no claim experience so far with this insurance policy. I pay a premium of Rs 12000 for this insurance policy and the coverage value is Rs 5 lacs for this policy.
      Was this review helpful? 0
      , pune
      Reviewed on Sep 12, 2018
    • Cigna TTK Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a health insurance policy with CIGNA TTK from last 2 years, i am happy with the coverage value of this insurance policy. I pay a premium of Rs 12000 for this insurance policy. I have no claim experience so far with this insurance and the coverage value of Rs 4.5 lacs.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 12, 2018
    • Max Bupa Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a health insurance policy with MAX BUPA from last 6 years, i am happy with the coverage value of this insurance policy. I have no claim experience so far with this insurance and i get no claim bonus every year. The coverage value for this insurance is Rs 15-20 lacs.
      Was this review helpful? 0
      , faridabad
      Reviewed on Sep 12, 2018
    • ICICI Lombard Health Insurance
      "Good Policy"
      0.5 3.0/5 "Satisfactory"
      I have recently taken a health insurance policy with ICICI LOMBARD. I have to pay a premium of Rs 15000 on yearly basis. This policy i got it along with the personal loan taken from Fullerton. They gave a coverage of Rs 3 lacs for this insurance policy.
      Was this review helpful? 1
      , rajahmundry
      Reviewed on Sep 12, 2018
    • Star Health Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      My health is insured with STAR health from last 1year and it is a good policy to use. It is a family policy where the coverage value is Rs 3 lacs per individual. I do not have claim experience with this insurance and i pay a premium of Rs 15000 for this insurance.
      Was this review helpful? 1
      , coimbatore
      Reviewed on Sep 12, 2018
    • Religare Health Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have a health insurance policy with Religare from last 1.5 years, a premium of Rs 14000 has to be paid for this insurance policy and it is a family coverage. My claim experience was very good and they covered 100%. Coverage value is Rs 5 lacs +5 lacs (auto refill) for this insurance.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Sep 12, 2018
    • Reliance General Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insured with Reliance general insurance from last 3 months, i pay a premium of Rs 10000 for 2 individuals and each one has the coverage value of Rs 5 lacs. It is a good policy to use and i have not claimed anything so far from this insurance.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 12, 2018
    • National Insurance Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I hold an Individual health insurance policy with National insurance from last 4 years, i have not claimed anything so far from this insurance policy. I pay a premium of Rs 3000 for this insurance policy and the coverage value is Rs 1.5 lacs for this insurance.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 12, 2018
    • HDFC Ergo Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insured with HDFC ERGO from last 1.5 months, i am happy with the coverage value of this insurance policy. A premium of Rs 6000 has to be paid for this insurance policy. I have no claim experience with this insurance the coverage value is Rs 5 lacs.
      Was this review helpful? 0
      , palanpur
      Reviewed on Sep 12, 2018
    • ICICI Lombard Health Insurance
      "Normal Service"
      0.5 4.0/5 "Great!"
      I've a health insurance policy with the ICICI Lombard. I am paying low premium, there hasn't been any claim experience with the policy so far. Considering the premium I pay it has been a normal experience with the policy so far.
      Was this review helpful? 1
      , udaipur
      Reviewed on Sep 11, 2018
    • ICICI Lombard Health Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've a health insurance policy with the ICICI Lombard, I am paying the premium and I do not have any claim experience with the policy so far. I'll have to wait and see how they respond to my claim requests in future. It has been a hassle free experience so far.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 11, 2018
    • Star Health Health Insurance
      "Start Health Insurance Fraud"
      0.5 0.5/5 "Unacceptable"
      My father purchased Star health insurance for family safety and was paying premium from last 2 years but when time came insurer refused to give claim stating that throughout the hospitalization and all investigation reports are within normal limits. My brother was admitted in family hospital delhi for 24 hours, doctors diagnosed him and billed approx 13500.
      Was this review helpful? 3
      , new delhi
      Reviewed on Sep 08, 2018
    • Chola Ms Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insured with Cholamandalam health insurance from last 2 years, i am happy with the coverage value of this insurance policy. I am not aware of the premium amount as my company pays it. It is a family coverage and they cover up to Rs 5 lacs for this insurance.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 08, 2018
    • Apollo Munich Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a health insurance policy with Apollo Munich from last 3 months, i am happy with the coverage value of this insurance. I am not aware of the premium amount as my company pays it. The coverage value is Rs 10 lacs for accidental policy and Rs 10 lacs for death policy.
      Was this review helpful? 0
      , pune
      Reviewed on Sep 08, 2018
    • National Insurance Health Insurance
      "Very Good Service"
      0.5 4.0/5 "Great!"
      I had taken this insurance policy almost ten years back and the premium had been paying online. The premium amount has not been higher and it was nominal. Their customer support and their staff responses also had been good as well. They also covers most of the hospitals in our locality.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Sep 07, 2018
    • ICICI Lombard Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have an Individual health insurance policy with ICICI Lombard from last 4 years, i pay a premium of Rs 6500 for this insurance policy. I have not claimed anything so far from this insurance policy. The coverage value for this policy is 7 lacs.
      Was this review helpful? 1
      , faridabad
      Reviewed on Sep 06, 2018
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