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Aditya Birla Health Insurance

Aditya Birla Health Insurance Company is a reputed insurance provider with 6,000+ network hospitals available across the country. Policyholders can avail coverage for expenses such as in-patient treatment, daycare procedures, alternative treatment, pre and post-hospitalisation, organ donor expenses, etc. However, the health plans offered by Aditya Birla Health Insurance Company further secure you against certain diseases. In this article, let’s go through the list of diseases covered by Aditya Birla health insurance plans and the exclusions.

List of Ailments Covered by Aditya Birla Health Insurance

1. Cataract Surgery

A cataract is a condition that mostly affects individuals as they begin ageing and impacts their vision. To treat this ailment, usually, you need to undergo cataract surgery which is covered by Aditya Birla health insurance plans. However, make sure to check if the waiting period is applicable.

2. Cancer

Cancer is one of the critical illnesses that has been affecting more and more people in India. There are various types of cancer and thus, the treatment cost can be quite high. Certain Aditya Birla health insurance policies provide coverage for cancer on the diagnosis of the disease and secure the treatment expenses.

3. Accident-Related Injury

You can rest assured when it comes to accident-related injuries as Aditya Birla health insurance safeguards the medical care expenses. The policy 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 in India. Without proper care, the disorder can result in further health complications. But if you have diabetes, you can claim the healthcare expenses incurred 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 IRDAI has mandated health insurers to provide coverage against COVID-19, policyholders can easily seek treatment 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. 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 tumour, heart attack, angioplasty, etc. But it is advised to check if any health insurance waiting period is applicable.

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:

  • Self-Inflicted Injuries

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

  • 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 ailments. Any expenses related to treatment for such illnesses will not be covered by the insurer without completing the specified waiting period.

  • Pregnancy

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

  • 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.

  • Sexually Transmitted Diseases

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

  • Injury Due to Drug Abuse

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

  • Lifestyle Diseases

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

Lastly!

Now that you have gone through the diseases covered by Aditya Birla health insurance plans, you can consider opting for one to safeguard your health. With the right insurance policy, you can stay worry-free when it comes to medical emergencies and the cost arising from treating such ailments. Instead of getting burdened by the financial aspect of healthcare, Aditya Birla health insurance enables you to prioritise your health!

 

So, 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!

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FAQs on List of Diseases Covered by Aditya Birla Health Insurance

  • ✔️What are the diseases covered under Aditya Birla health insurance?

    The following diseases are covered under Aditya Birla health insurance: COVID-19, Cancer, Dengue, Critical illnesses, Accident-related injury, Diabetes, Cataract surgery.

  • ✔️What are the inclusions of Aditya Birla health insurance?

    The following aspects are covered under Aditya Birla health insurance:, In-patient treatment, Domiciliary hospitalisation, Organ donor expenses, Pre and post hospitalisation expenses, Daycare treatment, Ambulance cover, Alternative treatment, Vaccination cover.

  • ✔️What is a pre-existing condition?

    A pre-existing disease is any ailment that you have been diagnosed with before buying a health insurance policy. It is recommended to share any pre-existing conditions that you may have with the insurer to avoid claim rejection in the future.

  • ✔️What is a waiting period?

    A waiting period is a duration after which you can make a claim under your health insurance plan. The insurance provider will not accept any claims before the completion of the specified waiting period.

  • ✔️Are there any tax benefits available for buying health insurance?

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

  • ✔️What are the factors that may affect my premium?

    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, Add-on covers.