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Aditya Birla Global Health Secure Plan

This plan is designed to provide global coverage. Avail treatment for ...Read More

Up to 1 Cr
Sum insured
1
No. of plans
4800+
Pan India presence
96%
Claim settlement ratio
📄 Download brochure
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,701 reviews
🏥 12,900+ hospitals
📊 1.88 solvency ratio
✅ 96% claim settlement

About Aditya Birla Global Health Secure Plan

A quick read on what this Aditya Birla Health Insurance plan covers and why it might be a fit for you.

Aditya Birla Global Health Secure is an international health insurance plan designed to cover treatment for major critical illnesses outside India. It allows you to access cashless treatment at global hospitals, along with coverage for travel, accommodation, and related medical expenses. The plan focuses on providing access to advanced healthcare facilities and specialists worldwide for listed serious conditions like cancer and heart diseases.

Key highlights:

  • Treatment covers 16 major illnesses
  • Cashless hospitalization across a global network of hospitals
  • International travel and accommodation expenses cover
  • Organ donor cover
  • Visa documentation guidance

This global health insurance plan is available only for those who already have a domestic health insurance indemnity policy (mandatory in India), with a sum insured of INR 10 Lakhs or more. There is no age limit for renewing the policy, allowing you to maintain your health while traveling globally and avoid financial strain.

This plan page discusses further aspects of the Aditya Birla Global Health Secure policy, including eligibility criteria, benefits, exclusions, and more. To know more, scroll below!

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
Child: 91 days - 5 years, Adult: 18 - 65 years
Plan type
Individual
Sum insured options
₹3 L, ₹6 L
Waiting period
30 days
Renewability
Lifelong
Policy term
1/2/3 years

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • In-patient treatment cover
  • Post-hospitalization cover
  • Accommodation expenses
  • Travel expenses cover

Cons

  • Floater option not available
  • Change of gender treatments
  • Alcoholism/drug use cover
  • Hazardous or adventure sports
  • Maternity not covered

What's covered

Every CMS-driven coverage flag from the plan wording — only items with a published value render below.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Covered
  • Day-care treatment Covered
  • OPD charges Covered
  • Covid-19 treatment Covered
  • Cataract Not covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Covered
  • Daily hospital cash Covered

Family & special care

  • Maternity cover Covered
  • New-born baby cover Covered
  • IVF treatment Not covered
  • AYUSH treatment Covered
  • Organ donor expenses Covered

Modern & preventive care

  • Modern treatment Covered
  • Road ambulance Covered
  • Air ambulance Not covered
  • E-consultation Not covered
  • Health check-up Covered
  • Second medical opinion Not covered
  • Vaccination Covered

Conditions & global

  • Co-payment Not covered
  • Sub-limits Not covered
  • Compassionate travel Not covered
  • Global coverage Not covered

Aditya Birla Global Health Secure Plan Benefits

Aditya Birla Global Health Secure Plan offers a plethora of benefits to insured individuals. Mentioned below are the same:

  • Optional Covers
    Insured individuals can avail of optional covers along with the base cover under the Aditya Birla Global Health Secure Plan. Some of the optional cover features include travel protect (domestic cover), premium waiver, EMI Protection, OPD Expenses, Super no-claim bonus, and more.
  • Value Added Benefits
    Aditya Birla Activ Fit encourages insured individuals to maintain a healthy lifestyle by providing multiple lifestyle-enhancing benefits. The plan provides features like health assessment, health returns, and mental health assessment programs.
  • Tax Benefits
    Aditya Birla Global Health Secure Plan is eligible for tax benefits under the Income Tax Act, 1961. Insurance holders paying premiums towards the plan can avail of tax benefits.
  • Binge Refill Benefit
    Under this benefit, the Aditya Birla Global Health Secure Plan offers a refill of the sum insured unlimited times during the policy year. In case the sum insured is completely exhausted or insufficient for covering a claim due to previous claims, this benefit acts as a financial safety net.
  • Multiple Discounts
    Under the Aditya Birla Global Health Secure Plan, insured individuals are entitled to multiple discounts such as early bird discounts, good health discounts, family discounts, and long-term discounts.

Aditya Birla Health Insurance Network Hospital List

Aditya Birla Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Aditya Birla Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Delhi Mumbai Bengaluru Chennai Kolkata Hyderabad Pune Ahmedabad Jaipur Lucknow

Know More About Network Hospitals →

Inclusions & exclusions

What the plan pays for, and what it doesn't.

Exclusions

  • Permanent diseases or health conditions that are not included under the Aditya Birla Global Health Secure plan are mentioned below:
  • Obesity or weight-control related surgeries
  • Change of gender treatments
  • Maternity related expenses
  • Cosmetic or plastic surgeries
  • Treatment due to substance abuse
  • Sterility and infertility treatments
  • Certain diseases and treatments are covered under this plan after a certain time period. Read the details below:
  • Pre-Existing Diseases 48 Months
  • Listed Ailments 24 Months

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Entry Age: - 91 days
  • Max Entry Age: - 65 Years
  • SI: - Up to 6 Cr
  • Waiting Period: - 30 Days

Other features & benefits

Summary

Everything has become global in this era, so why sit back when it comes to health insurance? To fill the gap of international coverage related to your healthcare needs, the insurer has curated an exclusive Aditya Birla Global Health Secure. It not only provides international treatment and e-opinion benefits but also gives you the freedom to stay worry-free when traveling out of India.

Hope this guide helped you understand the specifications of the Aditya Birla Global Health Secure insurance plan. If you need any further help, give us a call at 1800 4200 269 or click on the 'Get a Quote' button to connect with our insurance advisors.

Aditya Birla Global Health Secure Plan: FAQs

The 5 most-asked questions about Aditya Birla Global Health Secure Plan, answered.

The major benefits of this plan are as follows: International in-patient hospitalization Post-hospitalization expenses cover Covers 16 major illnesses Repatriation of mortal remains International second e-opinion Travel and accommodation cover Visa documentation guidance Organ donor expense, and so on.
Yes, this plan covers in-patient treatment costs on a cashless basis.
Cancer Treatment Coronary Artery By-Pass surgery Heart Valve Replacement Major Organ Transplantation Bone Marrow Transplant Neurosurgery Pulmonary Artery Graft Surgery Aorta Graft Surgery Coronary Artery By-Pass surgery post occurrence of Myocardial Infraction Surgical treatment for Stroke Surgical treatment for Benign Brain tumour Lung Transplant Surgery in case of End-Stage Lung Disease Kidney Transplant Surgery in case of the End Stage Renal Failure Skin grafting surgery for Major Burns Surgical treatment of Coma Surgery for Pheochromocytoma
These are the available discount options for Aditya Birla Global Health Secure policy: 2-year policy- 7.5% 3-year policy- 10%
An individual who is a resident of India and has a domestic health insurance indemnity policy with an SI value of INR 10 Lakhs and above can buy this policy.

Conclusion

Aditya Birla Global Health Secure is a specialized global health plan best suited for individuals wh

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Naval Goel — Founder & CEO, PolicyX.com Reviewed by Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 30 Jan 2025 · Originally published: 30 Jan 2025

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