The sum insured depends on the number of employees covered, the size of the organization, the type of group, the risks involved, etc. The sum insured is usually decided mutually between Aditya Birla Health Insurance Company and the group.
The optional coverage benefits can be chosen by the group head, i.e., the registered policyholder of the group health insurance policy. Each optional coverage would attract an additional premium.
Aditya Birla Group Health Insurance plans allow coverage to be extended to your family too. So, the group policyholder can choose to extend the coverage to the families of insured members. An insured member’s spouse, dependent children, dependent parents, and dependent parents-in-law can be covered under the plan.
The premium depends on the sum insured, the type of group, the number of members covered, their age, the coverage selected, etc.
HealthReturns is a special coverage feature offered under Aditya Birla’s Group Activ Health plan. Under this feature, if the insured members prove themselves healthy and lead a fit lifestyle, they can accumulate a part of their premiums in rewards. This accumulated benefit can be used to pay for excess claims, meet the deductibles on outpatient expenses, or other medical costs the plan does not cover.
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