No Room Rent Capping | No Medical Check-up up to 55yrs | Tax Benefit up to Rs.75,000 | Buy Health Insurance starting @ ₹160 pm Check Plans

Opting for Health Insurance Plans is essential to avoid financial burden and stress in times of medical emergency. Aditya Birla Health Insurance Company Ltd offers health insurance plans across 6000 network hospitals across the country with coverage for expenses such as in-patient treatment, day care procedures, alternative treatment, pre and post-hospitalisation services, organ donor expenses, etc. These plans also cover diseases like cataract surgery, cancer, accidental injuries, diabetes, dengue, heart-related diseases, critical illness and mental illness. The plans, however, exclude self-inflicted injuries, pre-existing conditions, pregnancy, cosmetic treatments, sexually transmitted diseases, injury caused due to drug abuse and lifestyle diseases. Let’s read to find out more about the diseases covered by Aditya Birla Health Insurance Plans.

Aditya Birla Health Insurance

Aditya Birla Health Insurance Company Limited is a reputed medical insurance provider with over 6,000 network hospitals across the country. As an Aditya Birla Health Insurance policyholder, you can avail coverage for expenses such as in-patient treatment, daycare procedures, alternative treatment, pre-and post-hospitalisation services, organ donor expenses, etc. Moreover, the health plans offered by Aditya Birla Health Insurance Company further secure you against certain diseases. In this article, we will take you through Aditya Birla health insurance plans’ diseases covered and their exclusions.

Which Diseases are Covered by Aditya Birla Health Insurance Plans?

The following diseases are covered under the health insurance plans offered by Aditya Birla Health Insurance Co. Ltd.:


1. Cataract Surgery

Cataract is a condition that mostly affects individuals as they begin ageing.  A cataract clouds the affected person’s eye lens, which impacts their vision and may ultimately lead to blindness. To treat this ailment, usually, you need to undergo cataract surgery. The health insurance plans by Aditya Birla Health Insurance Company offer coverage for cataract surgery. However, make sure to check if a waiting period is applicable.


        2. Cancer

Cancer is one of the critical illnesses that has been affecting a significant number of people in India. Cancer treatment is generally a long process and can be very expensive. Certain Aditya Birla health insurance policies provide coverage for cancer on diagnosis and secure the treatment expenses.


        3. Accidental Injuries

You can rest assured when it comes to accident-related injuries as the health insurance plans by Aditya Birla Health Insurance Company safeguard the medical care expenses for such injuries. The policies shall cover expenses incurred due to in-patient treatment, diagnostic tests, post-hospitalisation, etc.


        4. Diabetes

Diabetes is a non-communicable disease (NCD) that many individuals suffer from. Without proper care, diabetes can result in further health complications like kidney failure, vision impairment, heart attack, etc. If you are diabetic, you can claim the healthcare expenses incurred for the treatment of this disease under certain Aditya Birla health insurance plans. These costs include medications, insulin shots, blood tests, diagnostic tests, doctor’s consultation fees, etc.


        5. COVID-19

The novel Coronavirus has impacted every country worldwide, leaving behind a financial burden on many affected individuals. As IRDA has mandated health insurers to provide coverage against COVID-19, you as a policyholder can easily seek coverage for the treatment of COVID-19 under Aditya Birla Health Insurance policies.


        6. Dengue

Another illness that is covered by Aditya Birla health insurance plans is dengue. The treatment and medical costs associated with the ailment can be easily claimed under your insurance plan.


        7. Heart-Related Diseases

Given the deteriorating and hectic lifestyle, many people in the country are falling prey to heart diseases. Such diseases can take a long time to cure, and the treatment of these heart diseases can cost a fortune. With the health insurance plans by Aditya Birla Health Insurance Company, you can get financial coverage for the treatment of various heart diseases.


        8. Critical Illness

Critical illnesses can be conditions that are life-threatening and may require treatment for a longer period of time. With Aditya Birla health insurance, you can gain coverage for many major ailments that may result in hefty medical bills. Some of these critical illnesses include kidney failure, brain tumours, etc. However, it is advised to check if any health insurance waiting period is applicable.


        9. Mental Illnesses

Mental illnesses, such as depression, schizophrenia, dementia, etc., impact the affected individual’s behaviour and thinking. The treatment of such illnesses usually lasts for a long time and hence, can be expensive. Some of the medical insurance plans by Aditya Birla Health Insurance Company provide financial coverage for the treatment of various mental illnesses.

Read More

What’s Not Covered Under Aditya Birla Health Insurance?

Here are some common conditions or injuries that are not covered by Aditya Birla health insurance plans:


1. Self-Inflicted Injuries

Health insurance plans will not cover any expenses resulting from self-inflicted injuries such as suicide attempts.


        2. Pre-Existing Conditions

In case you are suffering from any health conditions before buying an insurance plan, such conditions shall be considered as pre-existing conditions in health insurance. Any expenses related to treatment for such illnesses will not be covered by the insurer without completing the specified waiting period.


        3. Pregnancy

Any pregnancy-related costs such as childbirth, vaccination, complications resulting from the pregnancy, tests, etc. will not be covered under the plan.


        4. Cosmetic Treatments

Expenses resulting from implants or plastic surgery are not covered under health insurance. However, cosmetic treatment required in the event of an accident might be covered based on the policy.


        5. Sexually Transmitted Diseases

Health insurance does not cover the treatment cost of sexually transmitted diseases such as HIV/AIDS.


        6. Injury Due to Drug Abuse

The treatment cost of injuries resulting from alcohol or drug abuse is not included under the policy.


        7. Lifestyle Diseases

Medical insurance plans do not cover lifestyle diseases such as liver cirrhosis caused due to excessive drinking or such conditions.

Read More

How Can You Buy an Aditya Birla Health Insurance Plan Online?

With the digitisation of various processes, buying an Aditya Birla health insurance plan online is now very easy. All you need to do is follow these 5 quick steps:

  1. Head to the health insurance calculator section on Bajaj Markets.

  2. Provide all the necessary information about the person you wish to insure along with your personal details.

  3. Browse through the various health insurance plans available for you and choose a plan that suits your needs and your budget. You can also choose some add-on covers to enhance the coverage of the policy.

  4. Upload all the necessary KYC related documents and pay your health insurance premium online.


That’s it! You will receive your health insurance policy documents in your email soon.

Summing up

Now that you have gone through the diseases covered under Aditya Birla Health Insurance and their exclusions, you must consider opting for the health insurance plan to safeguard your health. With the right medical insurance policy, you can stay stress-free when it comes to the cost of hospitalisation and treatments during medical emergencies. Aditya Birla health insurance plans enable you to prioritise your health instead of getting burdened by the financial aspect of healthcare.


So, wait no more! Head over to Bajaj Markets to choose a suitable health insurance plan for maximum protection against health risks! You can now estimate the premium quote with our easy-to-use health insurance premium calculator!


Read MoreAditya Birla Health Insurance Activ Assure Diamond Plan


aditya birla health insurance customer care number

Health Insurance Plans Available at Bajaj Markets

FAQs on List of Diseases Covered by Aditya Birla Health Insurance

What are the diseases covered under Aditya Birla health insurance plans?

The following diseases are covered under Aditya Birla health insurance policies: COVID-19, cancer, dengue, critical illnesses, accident-related injury, diabetes, and cataract surgery.

What are the inclusions of Aditya Birla health insurance plans?

The following aspects are covered under Aditya Birla health insurance policies: in-patient treatment, domiciliary hospitalisation, organ donor expenses, pre and post hospitalisation expenses, daycare treatment, ambulance cover, alternative treatment, and vaccination cover.

Are there any tax benefits available for buying health insurance?

Yes. You can claim a tax deduction on the premiums paid towards health insurance under Section 80D of the Income Tax Act, 1961.

What are the factors that may affect my premium?

The health insurance premium is calculated based on some key factors. Here are certain parameters that could affect your health insurance premium: sum insured amount, age of the insured, lifestyle habits, family medical history, past medical records, and add-on covers.

Loan Offer
Download App
Credit Score