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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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  • New India Health Insurance
    "Friendly policy"
    0.5 4.0/5 "Great!"
    From my organization, they have provided me a health insurance policy from New India Assurance. I have a claim experience too and they have done my claim within few hours since its a cashless facility. We put the claim very late even though they have processed within 5 hours. This policy covers for my entire family.
    Was this review helpful? 0
    , bangalore
    Reviewed on Dec 11, 2019
  • Apollo Munich
    Apollo Munich Health Insurance
    "Very useful policy for middle class people. "
    0.5 5.0/5 "Blown Away!"
    Am having my Apollo Munich health insurance policy for last 3 years because when i purchased the policy for the first year, they said if i don't claim, my coverage amount will get the amount of extra 2.5 lakhs. I paid the premium amount of Rs. 8000. This policy covers only for myself. I don't have any claim experience as of now. My plan name is optima restore.
    Was this review helpful? 0
    , chennai
    Reviewed on Dec 11, 2019
  • Star Health Health Insurance
    "Execellent in card division"
    0.5 5.0/5 "Blown Away!"
    I have a health insurance from STAR HEALTH and the policy coverage value was Rs. 15 lakhs. Customer service is excellent. This is a family floater policy and it covers all types of critical illness and i am paying premium annually Rs. 48,000. This policy covers all network hospital and i went for claim i got a cashless.
    Was this review helpful? 0
    , kolkata
    Reviewed on Dec 10, 2019
  • Reliance General Health Insurance
    "Feedback regarding claim department"
    0.5 0.5/5 "Unacceptable"
    Very bad experience at the time of claim settlement asking for so many unnecessary documents. Internal process is very slow takes 15days and more time to send the documents to respective departments. Experience so many difficulty kindly help me out asap
    Was this review helpful? 0
    , pune
    Reviewed on Dec 09, 2019
  • ICICI Lombard Health Insurance
    "Best policy"
    0.5 5.0/5 "Blown Away!"
    I have taken a health insurance policy from my company and this is from ICICI Lombard. This is an individual policy which covers me and family members individually and the coverage value was Rs. 20 lakhs . This is a life long policy which covers all major diseases.
    Was this review helpful? 0
    , kolkata
    Reviewed on Dec 09, 2019
  • Religare Health Insurance
    "Worst health insurance"
    0.5 0.5/5 "Unacceptable"
    Worst health insurance, they will process our claim only when they want or less we will get nothing. Worst health insurance, they will process our claim only when they want or less we will get nothing. Worst health insurance, they will process our claim only when they want or less we will get nothing.
    Was this review helpful? 0
    , mumbai
    Reviewed on Dec 09, 2019
  • HDFC Ergo Health Insurance
    "Family health cover policy"
    0.5 5.0/5 "Blown Away!"
    Based on my credit card, they have provided me a health insurance from HDFC Ergo. It covers for my entire family. They have given me a coverage amount of Rs. 6 lakhs. I have not applied for any claim till now. I pay the premium amount of Rs. 4,500 on every year. They cover most of the hospital in the city for that they provided me a list also.
    Was this review helpful? 0
    , chennai
    Reviewed on Dec 08, 2019
  • Oriental Insurance Health Insurance
    "Good one"
    0.5 5.0/5 "Blown Away!"
    There is no need to talk with the customer care of Oriental insurance and they have already provided the guidelines with the power point presentation and hospital list also. Most of the hospital is providing the cashless facility also. In my company they have provided me a health insurance from oriental. They have provided me a coverage amount of Rs. 3 lakhs which covers for myself.
    Was this review helpful? 0
    , navi mumbai
    Reviewed on Dec 07, 2019
  • National Insurance Health Insurance
    "Smooth transaction"
    0.5 5.0/5 "Blown Away!"
    I have taken a health insurance policy from my company and the insurance company is NATIONAL INSURANCE. The policy coverage was Rs. 2lakhs. Recently i got hospitalized and that was cashless treatment, and i got a claim also. This insurance covers all network hospitals. My company provides this policy me and my spouse and children. I got 90% of claim.
    Was this review helpful? 0
    , pune
    Reviewed on Dec 07, 2019
  • Religare Health Insurance
    "Best policy"
    0.5 5.0/5 "Blown Away!"
    I have taken a health insurance mediclaim policy from RELIGARE HEALTH. The coverage value I think its 3lakhs and i am paying premium on approximate of Rs. 13k-14k. This is a group policy they provided 2 policies one is group and other one individual. This is life long policy it covers all type of illness. Dental they wont cover in this policy and still there is a no claim.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Dec 06, 2019
  • United India Health Insurance
    "Very Good Policy"
    0.5 5.0/5 "Blown Away!"
    I have a health insurance from united India which is provided by my employer. I will recommend this medical insurance to all because the service was good and the claim disbursement time is very less within 25 days we are getting the claim amount. They processed the claim very fast and they are giving upto 80% coverage for my parents, myself, spouse and children the claim coverage up to 100%.
    Was this review helpful? 1
    , hyderabad
    Reviewed on Dec 06, 2019
  • Star Health Health Insurance
    "Best policy"
    0.5 3.0/5 "Satisfactory"
    I have taken a mediclaim policy from STAR HEALTH and this is a company policy. I am paying premium annually Rs. 14,000.This policy covers all type of critical illness and i went for claims 2 to 3 times its a cashless. They cover all network hospital and this is family floater policy.
    Was this review helpful? 0
    , hospet
    Reviewed on Dec 05, 2019
  • ICICI Lombard Health Insurance
    "Good service"
    0.5 5.0/5 "Blown Away!"
    I have taken medi claim from ICICI LOMBARD GENERAL INSURANCE. The coverage value was Rs. 5,00,000 and I am paying premium Rs. 5000. This policy covers all type of critical illness day care treatment. This is a cash less policy last year I had done claim of 2L. This insurance covers all network hospitals and this is a group policy.
    Was this review helpful? 0
    , vijayawada
    Reviewed on Dec 05, 2019
  • SBI General Health Insurance
    "Average Policy"
    0.5 3.0/5 "Satisfactory"
    I have taken a health insurance from SBI General because from Government side, I can claim the amount if I apply for reimbursement. I have paid the premium amount of Rs. 1000 on every year. They have not explained me about the coverage amount.
    Was this review helpful? 1
    , bangalore
    Reviewed on Dec 05, 2019
  • Bajaj Allianz Health Insurance
    "Good"
    0.5 3.0/5 "Satisfactory"
    My employer has given me a health insurance policy from BAJAJ ALLIANZ on 5 years before. The coverage amount of 5L. On yearly basis they will renew my policy. The premium amount of 10K use to pay. It covers particular hospitals and with multi specialty. There is cashless treatment as well. It covers my whole family.
    Was this review helpful? 0
    , medak
    Reviewed on Dec 04, 2019
  • review Health Insurance
    "Safety Policy"
    0.5 4.0/5 "Great!"
    Taken my health insurance from Birla Sun life. They approached me through call, when i accepted the same, they have given me a health insurance for my entire family with the coverage value of Rs. 3 lakhs. I have been paying the premium amount of Rs. 960 every month. In this policy, pre-existing disease has been covered.
    Was this review helpful? 0
    , dindigul
    Reviewed on Dec 03, 2019
  • Star Health Health Insurance
    "Very very delay in claims settlement. Experienced bad servic"
    0.5 2.0/5 "Expected more"
    Almost waited for 24 hrs for final settlement. Bad experience in cashless settlement. Late approval for pre approval and very very late in final settlement. Almost 24 delay in final settlement. Very bad experiance. Not at all recommended.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Dec 03, 2019
  • Royal Sundaram Health Insurance
    "Good"
    0.5 4.0/5 "Great!"
    I have taken a health insurance policy from ROYAL SUNDARAM.This is an individual policy and the coverage was Rs. 5,00,000. Annual premium i am paying Rs. 2000. This insurance covers all type of critical illness and still there is a no claim. Every year i am getting reminder call but i am not getting call to include my family members.
    Was this review helpful? 2
    , coimbatore
    Reviewed on Nov 29, 2019
  • review Health Insurance
    "Best mediclaim"
    0.5 5.0/5 "Blown Away!"
    I have taken a health insurance policy from ADITYA BIRLA HEALTH INSURANCE. This is a group policy and the coverage was Rs. 2,00,000. I am paying yearly premium around Rs. 3500 and this policy covers all type of critical illness, some disease will not cover need to be get cover.This policy covers all network hospitals.
    Was this review helpful? 0
    , coimbatore
    Reviewed on Nov 29, 2019
  • Oriental Insurance Health Insurance
    "Best policy"
    0.5 5.0/5 "Blown Away!"
    I have taken a health insurance from ORIENTAL INSURANCE. The coverage value was Rs. 5,00,000 and the premium i am paying Rs. 25,000. This is a group policy which covers all type of critical illness and also i am enjoying TAX benefits. I went for claim full amount i got reimburse and they have issued health ID card for claim it's very useful more over they cover all net work hospitals.
    Was this review helpful? 0
    , rajahmundry
    Reviewed on Nov 28, 2019
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