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All About International Travel Insurance & Its Coverage

Posted on 05 February 2020

Why international travel insurance?

international travel insurance

International travel insurance: The broad categories

  • Individual travel policy
  • Family travel policy
  • Single-trip and Multi-trip travel policy
  • Policy aimed at students and senior citizens in particular

A detailed look at the coverage of international travel insurance policies

  • Medical emergencies A comprehensive international travel insurance policy would cover financial risks arising out of any medical emergency - such as injury, illness, accident, hospitalisation, medical repatriation, surgery – on foreign shores.
  • Cancellation or delays in trips A slew of contingencies - including inclement weather, snags in connecting flights or any other medical emergency that may come up - might force you to go against the schedule and postpone your trip or curtail its duration. With an international travel insurance policy, all the money that you had shelled out towards reservations, sightseeing and re-booking, for that matter, would be refunded, in keeping with the guidelines as mentioned in the policy.
  • Loss/theft of luggage, passport, important documents and other valuables The cost of obtaining a new passport or important documents, damage to valuables or the replacement cost of lost or damaged luggage is covered herein.

The information contained herein is generic in nature and is meant for educational purposes only. Nothing here is to be construed as an investment or financial or taxation advice nor to be considered as an invitation or solicitation or advertisement for any financial product. Readers are advised to exercise discretion and should seek independent professional advice prior to making any investment decision in relation to any financial product. Aditya Birla Capital Group is not liable for any decision arising out of the use of this information.

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About Aditya Birla Capital

Aditya Birla Capital (‘ the Brand ’) is the single brand for financial services business of Aditya Birla Group. The trade logo “Aditya Birla Capital” and the URL www.adityabirlacapital.com is owned by Aditya Birla Management Corporation Private Limited (trade mark owner) and the same is used herein under the License by Aditya Birla Capital Limited (ABCL) and its subsidiary companies (collectively hereinafter referred to as “ ABC Companies ”).  Aditya Birla Capital Limited is the holding company of all financial services businesses.  

www.adityabirlacapital.com (“the Website ”) is maintained and run by Aditya Birla Financial Shared Services Limited (having its registered office at 18 th Floor, One India bulls Centre, Tower 1, Jupiter Mills Compound, Senapati Bapat Marg, Elphinstone Road, Mumbai- 400013). The information available on www.adityabirlacapital.com relates either to ABCL and/ or ABC Companies under all associated web pages/ sites which are linked to www.adityabirlacapital.com (“hereinafter referred as the Website ”).

All of the ABC Companies have their own separate legal identities and webpages (details about which are embedded in their respective web pages/sites) but in this Website they may sometimes use "Group", "we" or "us" when we refer to ABC Companies in general or where no useful purpose is served by identifying any particular ABCL Affiliate.

Terms and Conditions and Acceptance

Please read these Terms and Conditions (“ Terms of Use ”) carefully. Your Acceptance of the Terms of Use contained herein constitutes the Agreement for the Purpose as defined hereunder. The Acceptance of Terms of Use will be between You and Aditya Birla Financial Shared Services Limited (hereinafter referred as “ Facilities Provider ”) which is facilitating provision of the services, other than those which are otherwise specifically provided by each of the ABC Companies on their respective web pages / sites to you.

By accessing and using this Website you have confirmed that you have read, understood and bound yourself by these Terms of Use. These Terms of Use shall apply to the access and use of the Website and all associated web pages/ sites which are linked with www.adityabirlacapital.com (“ Website ”). You will be subject to the rules, guidelines, policies, terms, and conditions applicable to any facilities that are provided by this Website and all associated web pages/ sites and they shall be deemed to be incorporated into these Terms of Use and shall be considered as part and parcel of these Terms of Use.

In terms of the information Technology Act, 2000 (as amended from time to time), this document is an electronic record.  By accessing the Website and availing for facilities on the Website, the users (hereinafter referred to as " you ", or " your ") agree to be bound by these Terms of Use, the legal disclaimer (‘ Legal Disclaimer ’) and the Privacy Policy (“ Privacy Policy ”), as posted on the Website.

This Agreement describes the terms governing the usage of the facilities provided to you on the Website. Clicking "I Agree" to "Terms & Conditions", shall be considered as your electronic acceptance of this Agreement under Information Technology Act 2000. Your continued usage of the facilities from time to time would also constitute acceptance of the Terms of Use including any updation or modification thereof and you would be bound by this Agreement until this Agreement is terminated as per provisions defined herein.

Your electronic consent, accepting these Terms of Use, represents that you have the capacity to be bound by it, or if you are acting on behalf of any person, that you have the authority to bind such person.

You also acknowledge and agree that, unless specifically provided otherwise, these Terms of Use only apply to this Website and facilities provided on this Website. All of the ABC Companies may have their own individual web pages/sites which are owned by the respective ABC Companies and the facilities offered by the respective ABC Companies will be governed in accordance with the terms and conditions posted of those web pages/websites which you would be bound while availing the facilities/services of the said respective ABC Companies through their respective web pages / sites or otherwise in any other mode as the case may be.

Changes to the Terms of Use

You agree that these Terms of Use may be subject to change/modification for such reason as it may deem fit and proper, including but not limited to comply with changes in law or regulation, correct inaccuracies, omissions, errors or ambiguities, reflect changes in the process flow, scope and nature of the services, company reorganisation, market practice or customer requirements. Upon any change, the updated Terms of Use will be updated on the Website or any other means. Your continued use of the facilities on this Website constitutes acceptance of the changes and an Agreement to be bound by Terms of Use, as amended. You can review the most current version of the Terms of Use at any time, by clicking the Terms & Conditions link on the Website. No fee of whatsoever nature is to be charged for the use of this Website.

If you do not agree with any of these Terms of Use, you may not use this Website.

Authorisation to Facilities Provider

Whenever consent has been obtained/provided by you in any mode under these Terms and Conditions, for availing information/services related to ABC Companies, You agree and authorize the Facilities Provider to share/transfer/transmit your personal information with its ABC Companies and other third parties, in so far as required for offering of facilities through this Website and for analytical / marketing purposes /report generations and/or to offer connected facilities on the Website and may also include transfer/sharing/transmitting  of sensitive personal data or information only if it is deemed necessary for the performance of facilities and to provide you with various value added and ancillary facilities/services and information, to aid you in managing your money needs in the manner agreed under these Terms and Conditions and the privacy policy.  You agree to receive e-mails/SMS/phone calls and such other mode as permitted under law from the Facilities Provider or ABC Companies or its third-party service providers regarding the facilities updates, information/promotional offer and/or new product announcements and such other related information.

You also agree and authorize ABC Companies / its third-party service providers to contact you at the contact information provided for service related communication relating to your product or facilities offered even if your number is in National Do Not Call Registry.

You have the option to withdraw the said consent in the manner specified under these Terms of Use. Please also read the Privacy Policy for more information and details as provided on the Website. The Privacy Policy may be updated from time to time. Changes will be effective upon posting of the revised Privacy Policy on the Website.

One ID at Aditya Birla Capital

You can create a unique ID on the Website for managing and transacting all financial and non financial transactions with ABC Companies. One ID enables you to have a single login ID for viewing and transacting all your product and service needs across ABC Companies. One ABC ID can be created by you on the Website or any of the webpage of ABC Companies (Account.ABC.com sign up page.) by using your e-mail Id and login credentials as registered with the respective ABC Companies while availing the products / services and completing the authentication procedure in the manner specified at the time of creation of One ID.

Once you have created ONE ID you can link and view all your financial products held with ABC Companies on single web page through verification / authentication procedure as applicable to your account/financial products held with the respective ABC Companies.  

You may choose not to create One ID in which case you will not be able to display all your products across ABC Companies on one page. In circumstances like duplicate email id/phone number you may not be able to create the One ID. In such circumstances you must contact the ABCL Affiliate with whom you have held the product/availed the services to enable update the email id/phone number.

 In case you forget the username or password, you can reset the same using the forgot username and password link available on the Website and completing the authentication procedure specified on the Website.    

MoneyForLife Planner

To help you for your money needs you can avail the facility of MoneyForLife Planner ( ‘MoneyForLife Planner/ Planner ’). MoneyForLife Planner facility is powered by Aditya Birla Money Limited, a subsidiary of ABCL. MoneyForLife Planner provides an indicative assessment of your money needs based on the factors like income, age, family members and their future, your future money requirements and current lifestyle status as per details filled in by you on the online questionnaire. The Planner provides an indicative view about the generic investment opportunities available in the manner indicated by you. The results provided by the Planner are generic in nature and do not necessarily reflect the actual investment profile that you may hold and it is not necessary for you to act on it. The Planner provides a generic indication of your money needs to enable you to prioritize your investment needs which are rule based. Therefore, the search results displayed by the Planner cannot be construed to be entirely accurate / comprehensive.

No fee or consideration or economic benefit either directly or indirectly is associated for availing the assessment through MoneyForLife Planner and therefore it is not to be considered as an investment advice or financial planning and / or investment advisory services.

You agree and understand that use of MoneyForLife Planner does not assure attainment of your investment objectives and there is no assurance that the money objectives will be achieved, as the same is subject to performance of the securities, the forces affecting the securities market and your risk profile. You are advised to consult an investment advisor in case you would like to undertake financial planning and / or investment advice for meeting your investment requirements.

You also agree that risks associated with any investment would be entirely yours and you would not hold ABCL and/or ABC Companies or any of its employees liable for any losses that may arise on account of any investments under taken basis the use of MoneyForLife Planner.

All investment decisions shall be taken by you in your sole discretion. You are advised to read the respective offer documents carefully for more details on risk factors, terms and conditions before making any investment decision in any scheme or products or securities or loan product. All investments in any product / fund / securities etc. will be on the basis, subject to and as per the terms and conditions of the specific product’s / fund’s / security’s offer document, key information memorandum, risk disclosure document, product or sales brochure or any other related documents which are offered by the respective issuer of such product/securities. You can use execution platform/services with any third party as deem fit and proper, and there is no compulsion to use the execution services through this Website.

Not an Investment Advisor, Planner, Broker or Tax Advisor

The facilities on the Website are not intended to provide any legal, tax or financial or securities related advice. You agree and understand that the Website is not and shall never be construed as a financial planner, financial intermediary, investment advisor, broker or tax advisor. The facilities are intended only to assist you in your money needs and decision-making and is broad and general in scope. Your personal financial situation is unique, and any information and advice obtained through the facilities may not be appropriate for your situation. Accordingly, before making any final decisions or implementing any financial strategy, you should consider obtaining additional information and advice from your advisor or other financial advisers who are fully aware of your individual circumstances. For more details, please also refer to the Legal Disclaimers provided on the Website.

Financial Solutions

We may provide you with various money solutions and options which are generally available basis your investment profile or those which are generally held by persons of similar investment profile. You authorize us to use/disseminate the information to provide the Financial Solutions however it is not necessarily for you to act on it. It only serves an indicative use of information which you may execute in the manner agreed by you.

Password Protection

You shall not be entitled to avail the facilities without the use of a user name and password. You are responsible for maintaining the confidentiality of your password and Account, and you shall not allow anyone else to use your password at any time. You are fully responsible for all activities that occur using your password or Account. You are requested to please notify www.adityabirlacapital.com immediately of any unauthorized use or access of your password or Account, or any other breach of security. The Website will not be liable for any loss that you may incur as a result of someone else using your password or account, either with or without your knowledge.

Intellectual Property Rights

This Website contains information, materials, including text, images, graphics, videos and sound (“ Materials ”), which is protected by copyright and/or other intellectual property rights. All copyright and other intellectual property rights in these Materials are either owned by ABCL or have been licensed to Facilities Provider, ABCL / ABC Companies by the owner(s) of those rights so that it can use these Materials as part of this Website. Other than those Materials which belong to Third Parties, ABC Companies retains copyright on all Information, including text, graphics and sound and all trademarks displayed on this Website which are either owned by or licensed to by ABCL and/or used under license by ABC Companies.

You shall not (a) copy (whether by printing off onto paper, storing on disk, downloading or in any other way), distribute (including distributing copies), download, display, perform, reproduce, distribute, modify, edit, alter, enhance, broadcast or tamper with in any way or otherwise use any Materials contained in the Website. These restrictions apply in relation to all or part of the Materials on the Website; (b) copy and distribute this information on any other server or modify or re-use text or graphics on this system or another system. No reproduction of any part of the Website may be sold or distributed for commercial gain nor shall it be modified or incorporated in any other work, publication or web site, whether in hard copy or electronic format, including postings to any other web site; (c) remove any copyright, trade mark or other intellectual property notices contained in the original material from any material copied or printed off from the web site; link to this Website; without our express written consent.

No Warranty

Although all efforts are made to ensure that information and content provided as part of this Website is correct at the time of inclusion on the Website, however there is no guarantee to the accuracy of the Information. This Website makes no representations or warranties as to the fairness, completeness or accuracy of Information. There is no commitment to update or correct any information that appears on the Internet or on this Website. Information is supplied upon the condition that the persons receiving the same will make their own determination as to its suitability for their purposes prior to use or in connection with the making of any decision. Any use of this Website or the information is at your own risk. Neither ABCL and ABC Companies, nor their officers, employees or agents shall be liable for any loss, damage or expense arising out of any access to, use of, or reliance upon, this Website or the information, or any website linked to this Website.

No Liability

This Website is provided to you on an "as is" and "where-is" basis, without any warranty. ABCL, for itself and any ABC Companies and third party providing information, Materials (defined later), facilities, or content to this Website, makes no representations or warranties, either express, implied, statutory or otherwise of merchantability, fitness for a particular purpose, or non-infringement of third party rights, with respect to the website, the information or any products or facilities to which the information refers. ABCL will not be liable to you or any third party for any damages of any kind, including but not limited to, direct, indirect, incidental, consequential or punitive damages, arising from or connected with the site, including but not limited to, your use of this site or your inability to use the site, even if ABCL has previously been advised of the possibility of such damages. Any access to information hosted on third party websites of billers/banks/merchants/ABC Companies etc. is not intended and shall not be treated as an offer to sell or the solicitation of an offer to buy any product/offering of these ABC Companies or third parties.

The Facilities Provider or ABCL or ABC Companies shall have absolutely no liability in connection with the information and Material posted on this Website including any liability for damage to your computer hardware, data, information, materials, or business resulting from the information and/or Material or the lack of information and/or Material available on the Website. In no event shall ABCL or ABC Companies shall be liable for any for any special, incidental, consequential, exemplary or punitive damages for any loss, arising out of or in connection with (a) the use, misuse or the inability to use this Website; (b) unauthorized access to or alteration of your transmissions or data; (c) statements or conduct of any third party on the site; or (d) any other matter whatever nature relating to this Website.

Further, the Facilities Provider cannot always foresee or anticipate technical or other difficulties. The facilities may contain errors, bugs, or other problems. These difficulties may result in loss of data, personalization settings or other facilities interruptions. The Website does not assume responsibility for the timeliness, deletion, mis-delivery, or failure to store any user data, communications, or personalization settings.

The Facilities Provider, ABCL, ABC Companies and the providers of information shall not be liable, at any time, for any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communications line failure, theft or destruction or unauthorized access to, alteration of, or use of information contained at this Website.

Manner of Use of Personal Information

All Personal Information including Sensitive Personal Information provided/related to you, shall be stored/used/processed/transmitted expressly for the Purpose or facilities indicated thereon at the time of collection and in accordance with the Privacy Policy. Other than those otherwise indicated and agreed by You, this Website do not collect or store or share your Personal Information. Aditya Birla Capital is the brand and accordingly all products and facilities are provided by respective ABC Companies as applicable. Therefore, for any of these Purposes, the Website will use ABC Companies their authorized third party vendors, agents, contractors, consultants or facilities providers (individually a ‘ Third Party Service Provider ’ and collectively, the “ Third Party Service Providers ”) and to that extent you understand and authorize the Facilities Provider to share/transmit such information to Third Party Service Providers. Such sharing of information will be solely for the purpose to fulfill / complete / authenticate your specific requests/transaction execution and for providing information about any ABC Companies product or facilities or services or for data analytics or to deliver to you any administrative notices, alerts or communications relevant to your Purpose (and which may include sending promotional emails or SMS or calls or any other mode permitted under law) or to analyze the usage and improve the facilities/solutions offered or for any research or troubleshooting problems, detecting and protecting against errors or to improve features, tailor the facilities on the Website to your interests, and to get in touch with you whenever necessary.

Except in the manner as stated in the Privacy Policy, the Website will not disclose your Personal Information with any affiliated or unaffiliated third parties,

You may receive e-mails /communications/notifications from the Third Party Services Providers regarding facilities updates, information/promotional e-mails/SMS and/or update on new product announcements/services in such mode as permitted under law.

Use of Website in India

This Website is controlled and operated from India and there is no representation that the Materials/information are appropriate or will be available for use in other locations. If you use this Website from outside the India, you are entirely responsible for compliance with all applicable local laws. There is no warranty or representation that a user in one region may obtain the facilities of this website in another region.

Information published on the Website may contain references or cross references to products, programs and facilities offered by ABC Companies/third parties that are not announced or available in your country. Such references do not imply that it is intended to announce such products, programs or facilities in your country. You may consult your local advisors for information regarding the products, programs and services that may be available to you.

In your use of the Website, you may enter correspondence with, purchase goods and/or facilities from, or participate in promotions of advertisers or members or sponsors of the web site, including those of ABC Companies. Unless otherwise stated, any such correspondence, advertisement, purchase or promotion, including the delivery of and the payment for goods and/or facilities, and any other term, condition, warranty or representation associated with such correspondence, purchase or promotion, is solely between you and the applicable ABC Companies and/or third parties.

You agree that Facilities Provider / ABC Companies has no liability, obligation or responsibility for any such correspondence, purchase or promotion between you and any other ABC Companies and/or third parties.

Third party websites

This Website may be linked to other websites (including those of ABC Companies) on the World Wide Web that are not under the control of or maintained by ABCL. Such links do not indicate any responsibility or endorsement on our part for the external website concerned, its contents or the links displayed on it. These links are provided only as a convenience, in order to help you find relevant websites, facilities and/or products that may be of interest to you, quickly and easily. It is your responsibility to decide whether any facilities and/or products available through any of these websites are suitable for your purposes. The Facilities Provider or ABCL is not responsible for the owners or operators of these websites or for any goods or facilities they supply or for the content of their websites and does not give or enter into any conditions, warranties or other terms or representations in relation to any of these or accept any liability in relation to any of these (including any liability arising out of any claim that the content of any external web site to which this web site includes a link infringes the intellectual property rights of any third party).

In case any facilities/services, access/dissemination of information or execution of transaction is done through use of any APP related to ABC Companies, the additional terms and conditions governing the Use of APP shall be applicable and to be read along these Terms of Use.

Postings and monitoring

The Facilities Provider or ABCL or ABC Companies does not routinely monitor your postings to the Website but reserves the right to do so if deemed necessary if it is related to the facilities offered on the web site and to comply with law. However, in our efforts to promote good citizenship within the internet community, if the Facilities Provider or ABCL or ABC Companies becomes aware of inappropriate use of the Website or any of its facilities, any information, opinions, advice or offers posted by any person or entity logged in to the Website or any of its associated sites is to be construed as public conversation only, and the Facilities Provider or ABC Companies shall not be liable or responsible for such public conversation. You agree that in such cases, we will respond in any way that, in our sole discretion, as deemed appropriate. You acknowledge that Facilities Provider or ABC Companies will have the right to report to law enforcement authorities any actions that may be considered illegal, as well as any information it receives of such illegal conduct. When requested, ABC Companies/Facilities Provider will co-operate fully with law enforcement agencies in any investigation of alleged illegal activity on the internet.

Submissions and unauthorized use of any Materials contained on this Website may violate copyright laws, trademark laws, the laws of privacy and publicity, certain communications statutes and regulations and other applicable laws and regulations. You alone are responsible for your actions or the actions of any person using your user name and/or password. As such, you shall indemnify and hold Facilities Provider, ABCL / ABC Companies and its officers, directors, employees, affiliates, agents, licensors, and business partners harmless from and against any and all loss, costs, damages, liabilities, and expenses (including attorneys' fees) incurred in relation to, arising from, or for the purpose of avoiding, any claim or demand from a third party that your use of the Website or the use of the Website by any person using your user name and/or password (including without limitation your participation in the posting areas or your submissions) violates any applicable law or regulation, or the rights of any third party.

We reserve the right to terminate access to this Website at any time and without notice. Further this limited license terminates automatically, without notice to you, if you breach any of these Terms of Use. Upon termination, you must immediately destroy any downloaded and printed Materials.

If you come across any breaches/violation or offensive material you must report to us at  [email protected]

Use of Cookies

You agree and understand that the Website will automatically receive and collect certain anonymous information in standard usage logs through the Web server, including computer/computer resource-identification information obtained from "cookies" sent to your browser from a web server or other means as explained in the Privacy Policy.  

Facilities Changes and Discontinuation

The Website reserves the right to discontinue or suspend, temporarily or permanently, the facilities. You agree that the Facilities Provider/ ABC Companies will not be liable to you in any manner whatsoever for any modification or discontinuance of the facilities. The format and content of this Website may change at any time. We may suspend the operation of this Website for support or maintenance work, in order to update the content or for any other reason.

ABCL, ABC Companies, and its directors, employees, associates, or other representatives shall not be liable for any damages or injury, arising out of or in connection with the use, or non-use including non-availability of the Website and also for any consequential loss or any damages caused because of non-performance of the system due to a computer virus, system failure, corruption of data, delay in operation or transmission, communication line failure, or any other reason whatsoever. The Website will not be responsible for any liability arising out of delay in providing any information on the Website.

Compliance with the Law

You agree that you will not:

  • Use any robot, spider, scraper, deep link or other similar automated data gathering or extraction tools, programme, algorithm or methodology to access, acquire, copy or monitor the Website, or any portion of the Website.
  • Use or attempt to use any engine, software, tool, agent, or other device or mechanism (including without limitation, browsers, spiders, robots, avatars or intelligent agents) to navigate or search the Website, other than the search engines generally available by third party web browsers
  • Post or transmit any file which contains viruses, worms, Trojan horses or any other contaminating or destructive features, or that otherwise interferes with the proper working of the Website or the facilities.
  • Attempt to decipher, decompile, disassemble, or reverse engineer any of the software, comprising or in any way making up a part of the Website or the facilities.
  • You agree not to use the facilities for illegal purposes or for the transmission of material that is unlawful, harassing, libelous (untrue and damaging to others), invasive of another's privacy, abusive, threatening, or obscene, or that infringes the rights of others.

Restrictions on Commercial Use or Resale

Your right to use the facilities is personal to you; therefore, you agree not to resell or make any commercial use of the facilities. In addition, the Website welcomes your feedback as a user of the facilities. Any feedback you provide will become the confidential and proprietary information of the Website, and you agree that the Website may use in any manner and without limitation, all comments, suggestions, complaints, and other feedback you provide relating to the Website. The Website shall have a worldwide, royalty-free, non-exclusive, perpetual, and irrevocable right to use feedback for any purpose, including but not limited to incorporation of such feedback into the Website or other Website software or facilities.

No Endorsements

All product and facilities marks contained on or associated with the facilities that are not the Website marks are the trademarks of their respective owners. The Website would require you to respect the same. References to any such names, marks, products or facilities of third parties or hypertext links to third party sites or information does not imply the Website’s endorsement, sponsorship or recommendation of the third party, information, product or facilities.

Promotional Offers

You may receive from time to time, announcement about offers with intent to promote this Website and/or facilities/products of ABC Companies (“ Promotional Offers ”). The Promotional Offer(s) would always be governed by these Terms of Use plus certain additional terms and conditions, if any prescribed. The said additional terms and conditions, if prescribed, would be specific to the corresponding Promotional Offer only and shall prevail over these Terms of Use, to the extent they may be in conflict with these Terms of Use. The Website reserves the right to withdraw, discontinue, modify, extend and suspend the Promotional Offer(s) and the terms governing it, at its sole discretion.

Charges for use of Website

There are no charges or fees to be paid by you for use of this Website. However, you are responsible for all telephone access fees and/or internet service fees that may be assessed by your telephone and/or internet service provider. You further agree to pay additional charges, if any levied by Third Party Service Provider(s), for the facilities provided by them through the Website (Additional Charges).

No Endorsement

You are advised to be cautious when browsing on the internet and to use good judgment and discretion when obtaining information or transmitting information. From this Website, users may visit or be directed to third party web sites. The Website makes no effort to review the content of these web sites, nor is the Website or its licensors responsible for the validity, legality, copyright compliance, or decency of the content contained in these sites.

In addition, the Website does not endorse or control the content of any other user and is not responsible or liable for any content, even though it could be unlawful, harassing, libelous, privacy invading, abusive, threatening, harmful, vulgar, obscene or otherwise objectionable, or that it infringes or may infringe upon the intellectual property or other rights of another. You acknowledge that the Website does not pre-screen content, but that the Website will have the right (but not the obligation) in their sole discretion to refuse, edit, move or remove any content that is available via the facilities.

Electronic Communications

These Terms of Use and any notices or other communications regarding the Facilities may be provided to you electronically, and you agree to receive communications from the Website in electronic form. Electronic communications may be posted on the Website and/or delivered to your registered email address, mobile phones etc either by Facilities Provider or ABC Companies with whom the services are availed. All communications in electronic format will be considered to be in "writing". Your consent to receive communications electronically is valid until you revoke your consent by notifying of your decision to do so. If you revoke your consent to receive communications electronically, the Facilities Provider shall have the right to terminate the facilities.

You shall not assign your rights and obligations under this Agreement to any other party. The Website may assign or delegate its rights and/or obligations under this Agreement to any other party in future, directly or indirectly, or to an affiliated or group company.

Legal Disclaimers

The information provided on or through the Website is for general guidance and information purposes only and they do not in any manner indicate any assurance or opinion of any manner whatsoever. Any information may be prone to shortcomings, defects or inaccuracies due to technical reasons. Certain information on Website may be on the basis of our own appraisal of the applicable facts, law and regulations in force at the date hereof.

The information (and opinions, if any) contained on the Website may have been obtained from public sources believed to be reliable and numerous factors may affect the information provided, which may or may not have been taken into account. The information provided may therefore vary (significantly) from information obtained from other sources or other market participants. Any reference to past performance in the information should not be taken as an indication of future performance. The information is dependent on various assumptions, individual preferences and other factors and thus, results or analyses cannot be construed to be entirely accurate and may not be suitable for all categories of users. Hence, they should not be solely relied on when making investment decisions. Your investment or financial decision shall always be at your own discretion and based on your independent research; and nothing contained on the Website or in any information would construe ABCL/ABC Companies or any of its employees/authorized representative as having been in any way involved in your decision making process. Any information and commentaries provided on the Website are not meant to be an endorsement or offering of any stock or investment advice.

Nothing contained herein is to be construed as a recommendation to use any product, process, equipment or formulation, in conflict with any patent, or otherwise and Facilities Provider / ABCL/ABC Companies makes no representation or warranty, express or implied that, the use thereof will not infringe any patent, or otherwise. Information on this Website sourced from experts or third party service providers, which may also include reference to any ABCL Affiliate. However, any such information shall not be construed to represent that they belong or represent or are endorsed by the views of the Facilities Provider or ABC Companies. Any information provided or sourced from ABCL Affiliate belongs to them. ABCL is an independent entity and such information from any ABCL Affiliate are not in any manner intended or to be construed as being endorsed by ABCL or Facilities Provider. The information does not constitute investment or financial advice or advice to buy or sell, or to endorse or solicitation to buy or sell any securities or other financial instrument for any reason whatsoever. Nothing on the Website or information is intended to constitute legal, tax or investment advice, or an opinion regarding the appropriateness of any investment or a solicitation of any type. Investment in the securities market and any financial instruments are inherently risky and you shall always assume complete and full responsibility for the outcomes of all the financial or investment decisions that you make, including but not limited to loss of capital. You are therefore advised to obtain your own applicable legal, accounting, tax or other professional advice or facilities before taking or considering an investment or financial decision.

No Solicitation

No Information at this Website shall constitute an invitation to invest in ABCL or any ABC Companies. These are meant for general information only or to meet statutory requirements or disclosures. ABCL or any of its employees are in no way liable for the use of the information by you, when making any decision or investing or trading through any investment vehicles or ABC Companies, or any other third party which may be engaged in offering of these services.

The information contained on this Website does not represent and should not be used to construe (i) the terms on which a new transaction would be entered into by ABCL or ABC Companies, (ii) the terms on which any existing transactions could be unwound by ABCL or ABC Companies, (iii) the calculation or estimate of an  amount that would be payable following an early termination of any past/existing transactions or (iv) the valuations given to any transactions by ABCL or ABC Companies in their books of account for financial reporting, credit or risk management purposes.

Statutory Disclosure

ABCL and ABC Companies are engaged in a broad spectrum of activities in the financial services sectors. You understand and acknowledge that Aditya Birla Money Limited (‘ ABML ’), Aditya Birla Finance Limited (‘ ABFL ’) and Aditya Birla Sun Life Asset Management Company Limited and trustees and sponsor of Aditya Birla Sun Life Mutual Fund (‘ ABSLMF ’) are group companies and ABML / ABFL also acts as a distributor of ABSLMF.  Any recommendation or reference of schemes of ABSLMF if any made or referred on the Website, the same is based on the standard evaluation and selection process, which would apply uniformly for all mutual fund schemes. You are free to choose the execution facilities in the manner deemed fit and proper and no commission will be paid by ABSLMF to ABML / ABFL if you choose to execute a transaction with ABSLMF on the Website, unless otherwise agreed by you and ABML/ABFL separately. Information about ABML/ABFL, its businesses and the details of commission structure receivable from asset management companies to ABML/ABFL, are also available on their respective Website.

Similarly Aditya Birla Money Insurance Advisory Services Limited and Aditya Birla Insurance Brokers Limited are insurance intermediaries and engaged in the distribution of Insurance Products and it may services may include products of Aditya Birla Sun Life Insurance Company Limited and Aditya Birla Health Insurance Company Limited. However there is no conflict on these services and commissions if any payable are in accordance of the extant regulations.

Force Majeure

The Facilities Provider, ABC Companies and any of its Third Party Service Providers shall not be liable for any delay or failure in performance resulting directly or indirectly from acts of nature, forces, or causes beyond their reasonable control, including, without limitation, Internet failures, computer equipment failures, telecommunication equipment failures, other equipment failures, electrical power failures, strikes, virus, other malicious computer code, hacking, labour disputes, riots, insurrections, civil disturbances, shortages of labour or materials, fires, flood, storms, explosions, acts of God, war, earthquake, governmental actions, orders of domestic or foreign courts or tribunals, non-performance of third parties, or loss of or fluctuations in heat, light, or air conditioning.

Indemnification

You agree to protect and fully compensate Facilities Provider, ABCL, ABC Companies, subsidiaries, licensors, suppliers and facilities providers, employees, officers and directors, from any and all third party claims, liability, damages, expenses and costs (including but not limited to reasonable attorneys fees) caused by or arising from your use of the facilities, your violation of the Terms of Use or your infringement, or infringement by any other user of your account, of any intellectual property or other right of anyone.

The Facilities Provider, ABC Companies or any of its third party service providers and processor bank/merchants etc. shall not be deemed to have waived any of its/their rights or remedies hereunder, unless such waiver is in writing. No delay or omission on the part of Facilities Providers and ABC Companies, in exercising any rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.

Exclusive Agreement

You agree that these Terms of Use are the complete and exclusive statement of agreement supersede any proposal or prior agreement, oral or written, and any other communications between you and the Facilities Provider and its Third Party Service Providers or processor bank/merchants relating to the subject matter of these Terms of Use. These Terms of Use, as the same may be amended from time to time, will prevail over any subsequent oral communications between you and the Website and/or the processor bank.

Termination

Either party can terminate this Agreement by notifying the other party in writing. Upon such termination You will not be able to use the facilities of this Website.

Governing Law and Jurisdiction

The Website specifically prohibits you from usage of any of its facilities in any countries or jurisdictions that do not corroborate to all stipulations of these Terms of Use. The Website is specifically for users in the territory of India. In case of any dispute, either judicial or quasi-judicial, the same will be subject to the laws of India, with the courts in Mumbai having exclusive jurisdiction.

These Terms and Conditions are governed by and to be interpreted in accordance with laws of India, without regard to the choice or conflicts of law provisions of any jurisdiction. You agree, in the event of any dispute arising in relation to these Terms and Conditions or any dispute arising in relation to the Website whether in contract or tort or otherwise, to submit to the jurisdiction of the courts located at Mumbai, India for the resolution of all such disputes.

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aditya birla travel medical insurance

Home > Personal Finance > Insurance Companies > Aditya Birla Health Insurance

Aditya Birla Health Insurance

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Aditya Birla Health Insurance Reviews

aditya birla travel medical insurance

I bought policy and started walking 10k steps daily. But on 12th june 2024 active health and connected google fit stopped recording my steps. I raised the issue to customer helpdesk. But 7 days have passed but they seems reluctant to resolve my issue. Now I am forced to feel that ABHI's claim regarding 100% health return is not true. On paper the policy looks good but for resolving any issue customer care helpdesk is not goi g to help you promptly.

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Very very bad service. They don’t settle any reimbursement claim, they keep asking documents one after other and make you feel frustrated and eventually you will give up. Worst company to deal with, it is one way you have to pay but you get nothing back. Nothing good to say about the insurance company. I had taken insurance for my mother and me in 3 years first time we are taking benefit of it But when I wanted a claim settlement, they keep asking for 2.5 years back consultation of doctor if we didn't, consulate any doctor before 2.5 years then from where we will get that document. We are explained everything and after giving it in writing again they are keep asking for it. Very difficult to connect to customer care and the team doesn’t know the process, instead we get automated tickets in response.

Not recommended for any one and will never ever buy any products from them.

aditya birla travel medical insurance

I got heart attack on july 4th 2023. Got angioplast done with one stent. As per my cashless plan Hospital bill was imediately paid by ABH. It was sigh of relief, as being single parent it was difficult for my son who is just 22 years old to run around. But their health plan has saved us from moments of anxiousness. I highly recommend this plan to everyone.

YOUR RATING ON

Nothing good to say about the insurance company. They never settle any claims whether it's cashless or reimbursement. I had taken insurance for my senior citizen mother for two years and the premium was high. But when I wanted a claim settlement, they simply rejected without listening what we had to say. Very difficult to connect to customer care and the team doesn't know the process, instead we get automated tickets in response. The tickets would automatically close without any resolution.

I have been working in a IT company for 25 years and we have corporate coverage for healthcare. This year we have taken insurance from Aditya Birla and it has been worst experience ever in my 25 years of career. They don’t settle any reimbursement claim, they keep asking documents one after other and make you feel frustrated and eventually you will give up. Worst company to deal with, it is one way you have to pay but you get nothing back. Previously we had ICICI Lombard, Bajaj etc and settlement has hassle free but not with Aditya Birla.

Waste customer service waste insurance company don't take any insurance from them once u pay after 1 yrs the we not renewal your policy they will rejecte afterwards your will be not going to renew

No response to health return. Following more than 2 months.

I want to cancel before 6 month. As per their policy, 25 percent refund, if cancel within 6 months. But they send mail, your policy is cancel without any refund. I send mail but no body responsive.

3.I strongly recommend not to buy policy from Aditya Birla Insurance.

  • No response for mail, phone call or office visit.

5.. Taking health insurance policy with Aditya Birla Health Insurance is waste of money and time with headache.

  • Again said with my bad experience, please don't get trapped with buying the policy. It is useless.

aditya birla travel medical insurance

Aditya Birla health is a fraud and unethical company, I have a family floater plan, last time i admit my child in hospital which was non network hospital, I applied for claim settlement they diducted my money and said you over stayed in hospital so we can not pass it, I tried to there customer care and local service team but they never help me

aditya birla travel medical insurance

My experience with Aditya Birla Health Insurance has been far from satisfactory. While they may present an attractive image, the reality of their service falls short.

Firstly, the claim settlement process was a nightmare. It was an headache task filled with unnecessary paperwork and delays. The promised smoothness was nowhere to be seen, causing immense stress during a vulnerable time.

Secondly, the customer service was less than helpful.Reaching a representative was a struggle, and even when connected, they seemed more concerned with following protocol than resolving my issues.Also, waste my time.

Overall, my experience with Aditya Birla Health Insurance was frustrating and disappointing.I would strongly advise potential customers to carefully consider their options before choosing them for their health insurance needs.

It is important to note that this is just one individual's experience, and others may have had different experiences.

I would like to thank the great aditya birla group health insurance company.

I would like to thank the great people who are working in the great aditya birla health insurance company.

I would like to thank you for making me feel hopeless.

I would like to thank you for making my life and my kids life insecure for life time kindly note at this point my kids are still minor.

I would like to thank you for making me feel and loss all hopes in insurance company.

I really wanted to write more but it is of no use to me.

Keep up the good work like this because still you have to make many life miserable like this you and your company have to destroy many life's like this so on upcoming every day on every fresh morning promise your self that today I am going to destroy many life so you have to work very hard to suck blood from people body but please kindly noted your company name is aditya birla health insurance.

Very baad process

I m trying to update my policy but no one responded from Aditya Birla end very poor service bad experience

Very very bad service. In three years just one claim of Ayush treatment was not honoured. Useless to have this insurance. Local agent not available for any support.

My reimbursement Number 1122485010365 was rejected. Aditya Birla makes up any story and rejects the claim. My patient was admitted for nervousness and chest pain No one take policy from here they never pass the claim, My claim Rs13618 and 10618 was also approved but later itwas also rejected.!

Maine 2018 me madeclaim liya tha.2 saal maturity date poori hone k baad.tab yeh sabhi bimari k liye complete hogaya.maine 5 saal tak iska paisa bhara hai.lekin har saal inke charges badh jaate the.930 se start hua tha.last 3500 per month bharne k liye aagaya.or benefits kam kardiye gaye.10 lakh ka tha pehle.fir only 2 lakh ka kardiya .mujhse last me inlogi ne 999 ka accidental package liya tha.maine yeh madeclaim band kardiya itna zyada paisa main nahi bhar sakti thi har mahine.3500.na to mujhe kuch wapas mila or na hi mere 999 accidental package ka paisa wapas mila.yeh log ab fraud karrahe hain.

My wife was hospitalised and applied for cashless and reimbursement scheme.they were keep on asking documents continuously and there is no end for queries.we cannot connect the person who is putting queries and customer executives could not explain the documents which are required.they will not ask the pending documents in a single go.Premium hospital doctors like Yashodha hospitals also can’t understand what they are asking.

Please don’t puchase any policies with Aditya Birla.its a fraud company and you will be deceased by following up

Worst customer care.. Pathetic service.. Keep on delaying.. False commitment.. Not try to resolve.. Do not understand... I was having health insurance with this company.. I want to change the proposer name as my father has expired..But this fraud company was not ready to change .. Pathetic pathetic service.. Pl do not ever take Aditya Birla Health Insurance... They won't give u claim too

Waiting for last three months to get accident treatment claim.... Made a mistake, being with aditya birla for last 3 years... Very sad...

Aditya Birla is big scam in India , don't purchase it's policy. They never settled your claim on time.

The policy I purchased on 2021 tI paid the premium and I was approached by star health insurance I was confused and then chose star health. The next year my son got severe COPD and He was admitted in Apollo in Kolkata then I approached the star health for claim of 430000 they rejected. Next year 2023 I got aditya birla and I had my knee surgery...it was smooth they gave 330000 instantly.

Aditya Birla company is a fraud company while purchasing the card they don’t explain anything regarding the mandatory documents needed for the claims. But during the claim process they play multiple games by understanding how to fool a customer and loot money and also the employees are not fit for doing the work. It’s ascam by looting the money from people.

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Travelers Plans How to Travelers Plans in The World

Aditya birla travel insurance.

Aditya Birla Travel Insurance

Traveling can be an exciting experience. You get to explore new places, meet different people, and create memories that will last a lifetime. However, traveling involves some risks, such as flight cancellations, lost luggage, medical emergencies, and accidents. These unforeseen circumstances can ruin your trip and leave you with significant financial losses. This is where travel insurance can come in handy.

What is Travel Insurance?

What Is Travel Insurance

Travel insurance is a type of insurance that provides coverage for unexpected events that can occur before or during your trip. It can cover medical expenses, trip cancellations or interruptions, lost or stolen luggage, and emergency evacuation, among other things.

Why Aditya Birla Travel Insurance?

Why Aditya Birla Travel Insurance

Aditya Birla Travel Insurance is one of the most popular travel insurance providers in India. They offer comprehensive travel insurance plans that cover a wide range of unexpected events that can occur during your trip. Here are some of the reasons why you should choose Aditya Birla Travel Insurance:

  • They offer coverage for medical expenses, trip cancellations or interruptions, lost or stolen luggage, and emergency evacuation, among other things.
  • They provide 24/7 customer support and assistance.
  • They have a user-friendly website and mobile app that allow you to buy and manage your travel insurance policy online.
  • They have tie-ups with a wide network of hospitals and service providers worldwide.
  • They offer customized travel insurance plans that cater to the specific needs of different travelers.

Types of Aditya Birla Travel Insurance Plans

Types Of Aditya Birla Travel Insurance Plans

Aditya Birla Travel Insurance offers different types of travel insurance plans that cater to the specific needs of different travelers. Here are some of the most popular types of Aditya Birla Travel Insurance plans:

International Travel Insurance

International Travel Insurance

This type of travel insurance plan provides coverage for unexpected events that can occur during your international trips. It covers medical expenses, trip cancellations or interruptions, lost or stolen luggage, and emergency evacuation, among other things.

Domestic Travel Insurance

Domestic Travel Insurance

This type of travel insurance plan provides coverage for unexpected events that can occur during your domestic trips. It covers medical expenses, trip cancellations or interruptions, lost or stolen luggage, and emergency evacuation, among other things.

Family Travel Insurance

Family Travel Insurance

This type of travel insurance plan provides coverage for your entire family, including your spouse, children, and parents. It covers medical expenses, trip cancellations or interruptions, lost or stolen luggage, and emergency evacuation, among other things.

Senior Citizen Travel Insurance

Senior Citizen Travel Insurance

This type of travel insurance plan is designed specifically for senior citizens who are traveling abroad. It covers medical expenses, trip cancellations or interruptions, lost or stolen luggage, and emergency evacuation, among other things.

How to Buy Aditya Birla Travel Insurance?

How To Buy Aditya Birla Travel Insurance

You can buy Aditya Birla Travel Insurance online on their website or mobile app. Here are the steps to buy Aditya Birla Travel Insurance:

  • Visit the Aditya Birla Travel Insurance website or download their mobile app.
  • Choose the type of travel insurance plan that suits your needs.
  • Enter your travel details, such as destination, travel dates, and number of travelers.
  • Enter your personal details, such as name, age, and contact information.
  • Choose the coverage amount and pay the premium online.
  • You will receive the policy documents and confirmation via email.

Aditya Birla Travel Insurance is a reliable and comprehensive travel insurance provider in India. Their travel insurance plans offer coverage for a wide range of unexpected events that can occur during your trip. By purchasing Aditya Birla Travel Insurance, you can travel with peace of mind and enjoy your trip to the fullest.

aditya birla travel medical insurance

Quick Verdict on Aditya Birla Activ Fit Health Insurance Plan
Aditya Birla Activ Fit is a good pick if you are a young adult with no pre-existing health issues and no complications in your medical track record. The policy has a multitude of discounts on the premium, provided you are found healthy in their Health Assessment Program. However, Aditya Birla is still fairly new to the insurance industry and its complaint volume could be a bit of a concern for prospective customers.
And in case you are set on this policy, best opt for the Plus variant to get more affordable premiums (since maternity is not included in the plan) and a sum insured that is greater than ₹5 lakhs (to avoid room rent restrictions).

Aditya Birla Activ Fit Health Insurance Plan: Brief Overview

Aditya Birla Health Insurance , launched in 2016, offers popular, affordable, and feature-rich health insurance products with minimal restrictions. The insurer has an average (3 years) Claim Settlement Ratio of 92.99%, which is higher than the industry average of 90.97%. However, the current complaint volume is 26.33 per 10,000 claims, slightly higher than the industry average of 24.029. Despite this concern, given the insurer's track record of less than a decade and its promising trajectory, we remain hopeful that these numbers will improve in the future.

aditya birla travel medical insurance

Aditya Birla's Activ Fit health insurance offers two variants:

  • Plus, with individual, multi-individual, and family floater options , and
  • Preferred, available only as a family floater.

The key difference is that the Plus variant lacks maternity coverage , while the Preferred variant includes maternity benefits with a 3-year waiting period, reducible through an add-on. However, please note that this maternity coverage comes with a sub-limit.

Activ Fit offers a sum insured range of ₹1 lakh to ₹1 crore, no disease-wise sub-limits (except in the Preferred variant for maternity), no copayment, unlimited automatic restoration, 90/180 days of pre-and post-hospitalization, daycare coverage, domiciliary coverage, health returns, and more.

However, like any other health insurance policy, this plan too has a couple of caveats.

  • First, room rent restrictions. This is the feature that is a major concern for us. Based on the sum insured that you have chosen, if the sum insured is less than ₹5 lakhs, you can either expect a room rent restriction or a room type restriction. In case you chose a health insurance policy coverage above ₹5 lakhs, there are no room rent/type restrictions.
  • Second, both the No-Claim Bonus and the add-on of a Super No-Claim Bonus (mandatory) come with a measly range of bonuses: 10% to 100% and 50% to 100%, respectively. Moreover, both these bonuses come with a clawback. Meaning if you do make a claim in any year, the bonus will be taken away next year.

Here’s a look into the features of the Aditya Birla Activ Fit health insurance policy in detail -

Features of Aditya Birla Activ Fit Health Insurance Plan

Should you buy aditya birla activ fit health insurance plan.

  • Aditya Birla as an insurer: Aditya Birla, a general insurance company with 10,500+ network hospitals, is popular for affordable health insurance plans catering to various demographics. Specialised policies for young adults, senior citizens , and those with pre-existing conditions enhance its appeal. The company's emphasis on fitness is reflected in features offering increased discounts on premiums during renewals.

While on the fast track to becoming a trusted provider, resolving issues causing higher complaint volumes is crucial for Aditya Birla's credibility.

2. Room Rent Restrictions: Aditya Birla Activ Fit indeed has room rent restrictions that are a concern for us. However, these room rent restrictions are only applicable if you choose a sum insured that’s less than ₹5 lakhs, and considering the recent medical inflation, policyholders rarely choose such a low cover. So, this caveat is a manageable one.

However, if you are planning to buy the Aditya Birla Activ Fit health insurance plan, here’s what the room rent restrictions look like -

3. Maternity Coverage: At Ditto, we usually don’t recommend maternity health insurance plans since this feature often leads to higher premiums and an unreasonable waiting period. Accordingly, the Aditya Birla Activ Fit’s Plus variant doesn’t offer any maternity coverage and thus the premiums aren’t exorbitant. However, the Preferred variant does and the highlights of this feature include -

4. Available Add-Ons: The Activ Fit health insurance plan from Aditya Birla offers numerous add-ons, some of which are unique in health insurance. Here’s a look at the add-ons -

- S uper No-Claim Bonus: The Super No-Claim Bonus is a mandatory add-on providing a bonus of 50% to 100%, but it leads to clawback even with claims, making it somewhat redundant.

- O PD: OPD coverage as an add-on usually raises premiums, imposes restrictions on doctor consultations, and sets sub-limits on the sum insured. Additionally, with Aditya Birla's Activ Fit, OPD coverage is available only through cashless payments in selected cities.

- R eduction in maternity waiting period: The add-on for reducing the maternity waiting period is exclusive to the Preferred variant and is yet to be implemented.

In case you are purchasing the Preferred version, you might as well get this add-on, since the maternity perk is an in-built feature for this variant. At least with this add-on, you will have a reduced waiting period.

- T ravel Protect Cover: The Travel Protect Cover is a unique add-on to Aditya Birla Activ Fit health insurance, offering perks similar to travel insurance with a fixed yearly payout. It covers -

  • Total loss of checked-in baggage benefit
  • Delay of checked-in baggage
  • Trip cancellation & interruption
  • Trip interruption
  • Missed flight connection

However, each feature has specific terms, conditions, exclusions, and restrictions. Moreover, there's a sub-limit on the coverage—up to ₹10k for the Plus variant and ₹20k for the Preferred variant.

Despite its uniqueness, the sub-limit, restrictions, and conditions make regular travel insurance plans a preferable choice over this add-on.

- P remiums Waiver Cover: Much like in the case of term insurance plans , this add-on waives off premiums (for one year) if you are diagnosed with a critical ailment or in case you face total and permanent disability due to an accident. However, the rider only extends this perk once in the lifetime of a policy and as we noted, the waiver is applicable only for a year.

- E MI Protection Cover: Say, you are hospitalised for more than 6 consecutive days. This incurred a lengthy hospital bill that created a financial crunch. In case you have an existing loan, paying that EMI would now be a cumbersome task.

However, if you have opted for the Aditya Birla Avtiv Fit health insurance plan and the EMI Protection Cover, the insurer will disburse 3 months’ of EMI as a lump sum after your discharge from the hospital. This will aid in the payment towards your loan preventing late fees on missed EMIs.

However, please remember that this perk can be tapped in only once across the lifetime of a policy and the sub-limit on this perk ranges from ₹10k to ₹1 lakh, based on the chosen sum insured.

- C onsumables Coverage: Generally, consumables (equipment required during hospitalisation, surgeries, procedures, and treatments like gloves, PPE kits, etc.) are not covered under standard health insurance plans. With this add-on, 68 of the listed consumables will be covered by your insurer.

5. The Activ Fit angle: Aditya Birla promotes Activ Fit health insurance as ideal for young adults due to its fitness benefits, including -

  • Upfront Good Health Discount - Up to 10% of the premium, based on good health risk classification. This discount can be applied at the time of inception.
  • Mental Health Assessment Program (in-built) - Offers screening for mental health and consultation
  • Health Returns (in-built) - Up to 50% of the base premiums (based on the steps walked/ conducted health assessment)
  • Health Assessment Program (in-built) - This is available only once a year over cashless modes at network facilities.  It offers coverage for Medical Examination Reports (MER) using BP (Blood Pressure), BMI (Body Mass Index), HWR (Height –to- height-weight ratio), smoking status, Blood Sugar and Total Cholesterol
  • Early Bird Discount - The Insurer offers this discount if your entry age is less than 35 years (5% discount from the 4th year to the 7th year and 10% discount from the 8th year onwards).
  • Upfront Good Health Discount - Up to 10% of first-time premiums, If you opt for the Health Risk Assessment

As you can see, there are multiple discounts in case the insurer’s Health Assessment finds you healthy. Thus, the earlier you opt for this policy, the healthier you are, and the more the discounts you receive on your premiums.

What’s Unique with Aditya Birla Activ Fit Health Insurance Plan?
The plan has a host of discounts, based on your state of health, mode of purchase, fitness steps, etc. Moreover, this policy’s set of add-ons like travel protection, EMI protection, Waiver of premiums, etc. is a unique addition when it comes to health insurance.

The Activ Fit health insurance policy is a good pick from the stable of Aditya Birla. While the plan surely has a lot more to offer to young adults as compared to any other age slab, the policy’s extensive waiting period for those with pre-existing conditions, its limited insurance track record and complaint volume are solid some things that you definitely need to consider before buying the policy.

Shrehith Karkera

Shrehith Karkera is the co-founder at Ditto Insurance. He wears multiple hats – one as the chief-editor of Finshots, India's go-to financial newsletter, and another as a relentless advocate for financial clarity. Having penned countless articles over 5 years, he believes in making insurance and finance approachable. At Ditto Insurance, he's on a mission to guide Indians on making better decisions when it comes to insurance.

aditya birla travel medical insurance

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Pantaloons (Nagarbhavi, Bengaluru), 80 Feet Main Road, Vinayaka Layout, 2 Stage, Nagarbhavi, Bengaluru, Karnataka, India

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Electrician / Wireman

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Property Maintenance / Operations, Electrician / Wireman, Service & Repair

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Life Insurance Endowment Policy Aditya Birla Sun Life Endowment Plans

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Aditya Birla Sun Life Endowment Plans

Aditya Birla Sun Life Endowment Plans are dedicated insurance products that provide a unique combination of insurance coverage and savings. One of the major highlights is that these plans are meticulously designed to encourage regular savings over a per-determined period which ensures that you receive a substantial lump sum amount upon the policy’s maturity if you are still alive at that time. Furthermore, whether you want to support your child’s education, purchase a home, or want regular income in your retirement, this payout can significantly aid in achieving multiple financial objectives.

Endowment Plans by Aditya Birla Sun Life are structured to help you accumulate a guaranteed corpus dedicated to your financial goals. In addition to the savings component, these plans offer essential protection by providing a death benefit to your beneficiaries if the insured person passes away during the policy term. This dual advantage of savings and protection makes Aditya Birla Life Endowment Plans a reliable choice for securing your financial security.

What Are The Features and Benefits of Aditya Birla Sun Life Endowment Plans?

Let’s take a look at the features and benefits of Aditya Birla Sun Life Endowment Plans.

  • Dual Advantage

One of the key features and benefits of Aditya Birla Sun Life Endowment Plans is that they offer the dual benefits of life insurance coverage and a savings instrument. It means you not only get financial protection for your family but also a lump sum payout to meet your financial objectives.

  • Disciplined Savings

Another major feature and benefit of Aditya Birla Sun Life Endowment Plans is that they facilitate regular savings, which may help you build a corpus for your financial goals. Additionally, they provide insurance coverage which ensures that in the unfortunate event of the policyholder’s death, the family will receive a guaranteed death benefit and meet their financial needs.

  • Maturity Benefit

Another major reason to consider endowment plans by Aditya Birla Sun Life Insurance is that once the policy’s term ends, the sum assured, along with any bonuses, can be used to fund major life goals such as education, retirement, home purchase, and more.

  • Tax Benefits

It is the biggest benefit of choosing such plans that not only provide protection but also protect your money in the form of taxes. When you pay the premium for the endowment plan, you are eligible for tax benefits under current tax laws, which makes them an attractive financial instrument.

  • Flexibility

There are many Aditya Birla Sun Life Endowment Plans that come with effective add-ons or riders for additional protection, such as critical illness or accident cover. This allows you to customize the plan according to your individual needs.

Top 9 Aditya Birla Sun Life Endowment Plans

Here is a list of the 9 Aditya Birla Sun Life Endowment Plans.

1. ABSLI Akshaya Plan

The Aditya Birla Sun Life Insurance Akshaya Plan is one of the most popular insurance plans. It offers a robust combination of life insurance coverage and a reliable source of income, ensuring the fulfilment of the family’s evolving needs. This plan is meticulously designed to provide financial security and stability, catering to both immediate and long-term financial requirements.

The life insurance component of the Akshaya Plan guarantees that your family is financially protected in case of unforeseen events. This offers peace of mind and ensures that your loved ones can maintain their standard of living.

Key Features and Benefits:

These are as follows:

  • Two Benefit Option

This endowment plan by Aditya Birla Sun Life offers flexibility with two benefit options: Long-Term Income and Whole-Life Income. You can choose the one that suits your financial goals.

  • Flexible Bonus Payout

With the Aditya Birla Sun Life Akshaya Plan, the policyholder will have the flexibility to receive a cash bonus (if declared) either immediately for liquidity or to accumulate it until policy maturity for long-term wealth creation.

  • Flexible-Premium & Policy Term

Lastly, this plan provides a choice of multiple premium payment terms and policy durations, which allows you to customize the plan according to your financial situation and preferences.

2. ABSLI Vision MoneyBack Plus Plan

The ABSLI Vision MoneyBack Plus Plan is a money-back insurance plan designed to provide you with a regular income stream to meet your financial needs while offering robust life coverage against any unfortunate events. This plan ensures that you receive periodic payouts, which may help you manage ongoing expenses and achieve financial stability. Additionally, it provides comprehensive life insurance coverage, which offers immense peace of mind in the event of an unforeseen incident.

Key Features & Benefits:

  • Guaranteed Survival Benefit

With the ABSLI Vision MoneyBack Plus Plan, the life insured will receive a money-back payout as a percentage of the sum assured every 4th or 5th year, as chosen at the policy’s inception.

  • Death Benefit

One of the biggest benefits is that in the unfortunate event of the life insured’s death during the policy term, the nominee will receive the sum assured on death along with accrued regular bonuses up to the date of death and a terminal bonus (if any).

If the life insured survives until the end of the policy term, they will receive all accrued bonuses up to that date, including a terminal bonus (if any). Once the maturity benefit is paid, the policy will be terminated.

3. ABSLI Vision LifeSecure Plan

The ABSLI Vision LifeSecure Plan provides long-term financial security for you and your family. With its flexible policy terms, this plan allows you to enjoy life protection up to age 100, which ensures that your loved ones are protected for an extended period. Additionally, it provides steady growth of your savings over time which may help you build a solid financial foundation for the future.

One of the major highlights of the plan is that if the policyholder survives until the end of the policy, then they will get the sum assured along with accrued bonuses and a Terminal Bonus (if Applicable).

Another major striking point is that in the event of the insured’s death, the nominee receives the sum assured on death along with accrued bonuses up to the date of death and any terminal bonus. If the life insured survives until the policy term, the insurance cover continues until age 100. If the insured survives to age 100 or passes away during the period, the sum assured on death will be paid.

  • Customizable Benefits

When it comes to enhancing protection, the ABSLI Vision LifeSecure Plan offers the option to add the following riders for additional riders at a nominal extra cost. These include ABSLI Critical Illness Rider (UIN: 109B019V03), ABSLI Accidental Death and Disability Rider (UIN: 109B018V03), ABSLI Hospital Care Rider (UIN: 109B016V03), ABSLI Surgical Care Rider (UIN: 109B015V03), ABSLI Waiver of Premium Rider (UIN: 109B017V03), and ABSLI Accidental Death Benefit Rider (UIN: 109B023V02).

4. ABSLI Income Assured Plan

The ABSLI Income Assured Plan is designed to address evolving financial needs at different stages of life by offering guaranteed returns, which provide stability and assurance even in the face of life’s uncertainties. This plan ensures that you can confidently plan for the future and know that your financial goals will be supported with consistent returns, regardless of market fluctuations or unforeseen events.

  • Assured Income Benefit

One of the biggest features and benefits of the plan is that if the life insured survives until the end of the premium payment term, the ABSLI Income Assured Plan is guaranteed to pay you a Monthly Assured Income till the end of the policy term.

  • Guaranteed Additions

Another major benefit is that the plan provides guaranteed additions which are added to your policy quarterly after the premium payment term is completed and continue till the maturity date. These additions can significantly enhance the policy’s value, with the quarterly rate being 1/4th of the annual rate.

Furthermore, another major highlight of the plan is that if anything happens to the insured person, then the nominee will receive the sum assured along with guaranteed additions accrued up to the date of death.

5. ABSLI Jeevan Bachat Plan

The ABSLI Jeevan Bachat Plan from Aditya Birla Sun Life Insurance enhances your savings by providing guaranteed returns and life cover equivalent to 10 times your annualized premium. This plan also offers tax benefits, making it a comprehensive financial solution for securing your future while maximising your savings.

One of the plan’s key features and benefits is that it provides a death benefit to the nominee if the insured person passes away. Once the death benefit is paid, the policy terminates.

  • Accidental Death Benefit

If the life insured passes away due to an accident during the policy term, the plan offers an additional Accidental Death Benefit to the nominee in addition to the regular death benefit. It is important to note that this benefit does not apply to minors until they reach 18 years of age.

Another striking aspect of the plan is that once it matures, a lumpsum maturity benefit is paid out to the policyholder (If they survive till the policy term).

6. ABSLI Monthly Income Plan

The ABSLI Monthly Income Plan is designed to provide you with a steady and assured monthly income, ensuring that your recurring financial needs are met without disruption. This plan not only offers regular income but also includes bonuses upon maturity, which can enhance the total benefits received. Furthermore, the plan protects your life goals, whether they involve sustaining your lifestyle, supporting family expenses, or achieving long-term aspirations.

  • Income Benefit

One of the key benefits of the plan is that the plan provides you with a monthly income benefit in advance. This income is a percentage of the sum assured and is paid out over the Income Benefit Period, as chosen at the inception of the policy.

Another major reason to consider the plan is that it offers a death benefit to your nominee in case the insured person passes away.

  • Accident Death Benefit

One of the plan’s highlights is that it provides an additional accidental death benefit. This benefit equals the sum assured chosen and is paid immediately to the nominee as a lump sum, offering financial support during challenging times.

7. ABSLI Vision LifeIncome Plus Plan

The Aditya Birla Sun Life Vision LifeIncome Plus Plan is a comprehensive insurance solution that provides life protection along with guaranteed regular income and bonus payouts. This plan is designed to protect you until the age of 100 years which offers a combination of financial security and steady income throughout your life. It ensures that you and your loved ones are covered against uncertainties while providing a reliable source of income to meet your current financial needs.

One of the plan’s major benefits is that if the policyholder survives until the end of the policy period, all the premiums have been paid, and the policy is in force, the maturity benefit is paid out.

If the policyholder dies, the nominee will receive the sum assured. Additionally, depending on the chosen option, the policy may provide either a Policy continuation Benefit or a Terminal Bonus and accrued paid-up additions.

  • Tax Benefit

Another major highlight of the plan is that it provides tax benefits on all the premiums paid, subject to changes in laws.

8. ABSLI Vision Endowment Plus Plan

The Aditya Birla Sun Life Insurance Vision Endowment Plus plan is a robust choice for securing a safe and financially sound future for your family. One of the major highlights of the plan is that it combines the assurance of returning the premium paid along with accrued bonuses upon maturity which means that your investment grows while providing essential financial security for your loved ones. The plan offers the best of both by fostering savings and protecting your family’s financial well-being.

  • Growth in Your Savings

One of the biggest benefits of the plan is that it significantly enhances your savings through accrued regular bonuses, which may help you build a substantial corpus over time.

  • Safety of Your Loved Ones

Another major benefit of the plan is that it provides comprehensive protection to the family. You can enhance this protection by selecting death benefit Option A or B, which ensures that your loved ones are protected in case of an unfortunate event.

  • Flexible-Premium Payment Options

With the plan, you will have the flexibility to choose your premium payment frequency- annually, semi-annually, or monthly based on your convenience and financial planning preferences.

9. ABSLI Vision LifeIncome Plan

The ABSLI Vision LifeIncome Plan is specifically designed for individuals seeking secure savings and aiming for a steady income until age 100. The plan is crafted to meet these objectives by combining the benefits of savings, guaranteed income throughout life, and robust financial security. Furthermore, it offers a reliable solution to support long-term financial goals while protecting against uncertainties which makes it suitable for those prioritizing stability and protection in their financial planning.

  • Income for Life

One of the key features and benefits of the plan is that it provides a steady income for life, which provides 5% of the sum assured in bonuses every year after the premium payment term.

  • Safety for Your Loved Ones

Another major benefit of the plan is that it offers comprehensive financial protection for your family with whole-life coverage up to age 100.

  • Rider Option

Another major highlight of the plan is that the policyholder will have the option to enhance insurance coverage during the policy term by adding riders.

How does Aditya Birla Sun Life Endowment Plan Function?

Let’s take an example to understand!

Mr. Mohit Sharma, a resident of Delhi and senior IT head at Cognizant has decided to choose the ABSLI Akshaya Plan with the “Long-Term Income Benefit” option. He commits to paying an annual premium of Rs. 100,000 for 10 years and chooses to receive annual cash bonus payouts throughout the 30-year policy term. If Mr Sharma survives the policy term, then he shall receive a total cash bonus of Rs. 11, 19, 456 compounded at 8% per annum and Rs. 5,26,608 compounded at 4% per annum. At age 65, he will also receive the sum assured of Rs. 13, 80, 000 along with any terminal bonus, which is projected to be Rs. 13, 80, 000 at 8% per annum and Rs. 11, 70, 240 compounded at 4% per annum.

How To Buy Aditya Birla Sun Life Endowment Plan?

If you are planning to buy Aditya Birla Sun Life Endowment Plan, you will need to follow the steps listed below.

  • In the first step, you will need to visit the official website of Aditya Birla Sun Life Insurance.
  • After that, you must click on “All Insurance” and then on “Endowment Plans.” Hover over it, and you will find a range of plans on the right side.
  • Then, select the plan you need to buy. For example, if you click on ABSLI Akshaya Plan, the plan page will open. On the right-hand side, you will see a box asking you to enter your name and phone number.
  • Once you enter the details, click on the “Get a Callback” button. The company’s representatives will then call you to discuss purchasing the plan.

Things to Consider Before Buying an Aditya Birla Sun Life Endowment Plan

Here is a list of things to consider before buying an Aditya Birla Sun Life Insurance Endowment Plan.

  • Financial Objectives

One of the first things that you may need to consider is that you should define your long-term financial goals. Remember that endowment plans are ideal for objectives that are a decade or more ahead, such as saving for children’s education.

  • Risk Appetite

Another major factor to consider while buying ABSLI endowment plans is that you should consider your risk tolerance level. There is no denying that these plans are generally low-risk investments and offer unmatched stability and guaranteed returns. If you, however, are seeking higher returns, then you may need to explore other options.

  • Check the Policy Terms & Conditions

Before you make a call, ensure you review the terms and conditions of the policy. Make sure you understand the details about the maturity benefits, death benefits, and other aspects payable to the nominees.

  • Premium Affordability

When you are considering the endowment plans by Aditya Birla Endowment Plans, you should ensure that the premium amount comfortably fits into your budget. It’s important to maintain regular premium payments to keep the policy in force, as missing payments could lead to policy lapse and loss of benefits.

  • Riders/Add-Ons

Last but not least, when you’re looking to buy the Aditya Birla Endowment plan, you should explore additional coverage options available with the plan. Remember that riders such as critical illness or disability cover can provide extra protection against unforeseen circumstances which can enhance the overall security of your financial plan.

Frequently Asked Questions

Listed below are the frequently asked questions related to the Aditya Birla Sun Life Endowment Plans. Let’s discuss them in detail!

In general, when the policyholder pays the premium for their endowment policy, it may qualify for tax deductions under Section 80CC of the Income Tax Act.

If you are applying for an endowment plan from Aditya Birla Sun Life Insurance, you will need to provide a multitude of documents for identification, including ID proof, residence proof, signatures, income proof, medical reports, and more.

Yes, investing in an Aditya Birla Sun Life Insurance endowment plan offers several advantages as an investment scheme. Furthermore, it provides financial security, helps mitigate risks, and allows for the accumulation of a lump sum of savings over time.

Yes, withdrawals from an endowment policy are usually possible under specific conditions, but it’s important to note that they may result in reduced returns after the withdrawal.

Yes! Under the ABSLI Akshaya plan, policyholders will have the flexibility to defer the declared cash bonus and accumulate it as Accumulated Cash Bonuses, which offers greater control over their returns.

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Total 8472 Aditya Birla Health Insurance Hospitals Found in India

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