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Cancel ADITYA BIRLA HEALTH INSURANCE
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I hereby notify you of my decision to terminate the contract relating to the Aditya Birla Health Insurance service.
This notification constitutes a firm, clear and unequivocal intention to cancel the contract, effective at the earliest possible date or in accordance with the applicable contractual period.
Please take all necessary measures to:
– cease all billing from the effective date of cancellation;
– confirm in writing the proper processing of this request;
– and, if applicable, send me the final statement or balance confirmation.
This cancellation is addressed to you by certified e-mail. The sending, timestamping and content integrity are established, making it a probative document meeting electronic proof requirements. You therefore have all the necessary elements to proceed with regular processing of this cancellation, in accordance with applicable principles regarding written notification and contractual freedom.
In accordance with personal data protection rules, I also request:
– deletion of all my data not necessary for your legal or accounting obligations;
– closure of any associated personal account;
– and confirmation of actual data deletion according to applicable privacy rights.
I retain a complete copy of this notification as well as proof of sending.
Important warning regarding service limitations
In the interest of transparency and prevention, it is essential to recall the inherent limitations of any dematerialized sending service, even when timestamped, tracked and certified. Guarantees relate to sending and technical proof, but never to the recipient's behavior, diligence or decisions.
Please note, Postclic cannot:
- guarantee that the recipient receives, opens or becomes aware of your e-mail.
- guarantee that the recipient processes, accepts or executes your request.
- guarantee the accuracy or completeness of content written by the user.
- guarantee the validity of an incorrect or outdated address.
- prevent the recipient from contesting the legal scope of the mail.
Cancellation Aditya Birla Health Insurance: Easy Method
What is Aditya Birla Health Insurance
Overview
Aditya Birla Health Insurance is a private health insurer in India offering hospitalization, outpatient benefits, and wellness services across individual and family plans.
The company provides several plan types and optional add‑ons for different age groups and medical needs.
Who it serves
Plans are designed for individuals, families, and senior citizens seeking cashless hospitalisation and preventive care options.
Coverage features and limits vary by product and premium band; check your policy schedule for exact benefits.
How to cancel Aditya Birla Health Insurance
Step-by-step cancellation (recommended)
- Prepare a written cancellation request stating policy number, insured name, and reason for cancellation.
- Send the request via email or submit it to the insurer’s customer support channel; you can also send a physical letter to the registered office.
- Retain proof of submission (email sent receipts, postal tracking, or acknowledgement from the insurer).
Where to find official instructions
For guidance on timing and refund rules consult the insurer’s published refund policy and cancellation guidance before you cancel.
See the insurer’s refund summary here: Aditya Birla Capital - Refund policies on cancelling health insurance.
What happens when you cancel
Access and coverage
On cancellation your coverage terminates from the effective cancellation date specified by the insurer or per the policy terms.
Any ongoing authorisations for cashless treatment will typically be withdrawn once the policy is cancelled.
Renewals and data
Once cancelled you lose continuity of coverage and any cumulative bonus benefits; future premiums may be higher if you reapply.
The insurer retains your policy records as per regulatory and company data‑retention rules; request copies if needed.
Will I get a refund?
Free-look (cooling-off) rights
If you cancel during the free‑look period you are entitled to a refund of premium after deductions such as pro‑rated risk premium, medical test costs, and stamp duty.
Per the insurer and IRDAI guidance effective April 1, 2024, free‑look is 15 days for offline policies and 30 days for policies bought online. See: How to cancel (InsuranceDekho).
Refund schedule after free‑look
- Within 1 month of policy start: 75% refund (subject to deductions).
- Within 3 months: 50% refund (subject to deductions).
- Within 6 months: 25% refund (subject to deductions).
- After 6 months: no refund.
These sliding scale refunds are published by the insurer; confirm exact calculation with customer service. Reference: Aditya Birla Capital - Refund policies.
Aditya Birla Health Insurance plans and pricing
Pricing availability
Public pricing can vary widely by age, sum insured, location, and plan features.
If you need exact premiums, contact the insurer or an authorised broker for a tailored quote.
Contact for exact rates
| Plan | 期間 | Price |
|---|---|---|
| Individual Health | 1 Year | Contact for pricing |
| Family Floater | 1 Year | Contact for pricing |
| Senior Citizen Plan | 1 Year | Contact for pricing |
Your consumer rights in India
Free‑look and refund rights
You have a statutory free‑look right (15 days offline / 30 days online) to return the policy and obtain a refund after allowed deductions.
If refunds are withheld or calculated incorrectly, request a written explanation from the insurer and retain all correspondence.
Escalation and dispute options
If you believe a claim denial or cancellation refund is unfair, you can escalate internally and then to regulator or consumer forums.
Courts and consumer panels have ordered insurers to pay in contested claim cases (example reported decision): Times of India - court ordered payout example.
Customer experiences
Positive interactions
Some customers report smooth, timely non‑claim support such as scheduling health check‑ups and resolving administrative tickets quickly.
Anecdotal posts mention acceptable experiences when handling policy servicing and renewals.
Negative feedback
Several reviews and posts describe claim rejections, long delays, repeated document requests, and poor communication in claim situations.
Users have reported disagreements over classification of treatment (inpatient vs OPD) and disputed pre‑existing condition rejections in online forums.
Documentation checklist
Essential documents to include
- Policy document and policy number (copy of the insurance certificate).
- Insured’s identity proof (Aadhaar/Passport/PAN) and contact details.
- Bank account details for refund (cancelled cheque or bank mandate).
- Signed written cancellation request with date and reason.
Optional supporting documents
- Copy of email or acknowledgement from insurer confirming receipt.
- Medical test receipts (if incurred and relevant to deductions).
- Copies of previous correspondence about the policy or disputed claims.
Common mistakes
Relying on verbal requests
Many customers assume a phone call is enough; always submit written cancellation and keep proof.
Without written proof it is harder to contest timing or refund calculations.
Missing free‑look timelines and deductions
Confusing the free‑look period (15 vs 30 days) can cost you a refund. Verify whether your purchase was online or offline.
Also expect deductions such as pro‑rated risk premium, medical test costs, and statutory charges; check the insurer’s policy wording for exact items.
Comparative recap
Quick feature comparison
| Feature | Aditya Birla Health Insurance | Typical market practice |
|---|---|---|
| Free‑look period | 15 days (offline), 30 days (online) | 15 - 30 days (varies by insurer) |
| Refund after free‑look | Refund minus pro‑rated risk premium, tests, stamp duty | Similar deductions are common |
| Refund sliding scale after start | 75% (1 month), 50% (3 months), 25% (6 months), then none | Some insurers use similar sliding scales; others pro‑rate |
| Customer reviews on claims | Mixed - positive service interactions but multiple claim complaints | Varies widely by insurer and specific claim cases |
After cancelling
Follow-up actions
Confirm the effective cancellation date and expected refund amount in writing from the insurer.
Keep copies of the cancellation request and any acknowledgement; track refund processing timelines.
Escalation and next steps
If refund or closure is delayed, escalate through the insurer’s grievance cell and retain all evidence of escalation.
For disputed denials or unresolved refunds you can approach consumer forums or seek legal advice; see a reported court order here: Times of India - consumer court example.
For cancellation how‑to details refer to this guide: How to cancel (InsuranceDekho).
Address
Registered / Head Office
Send written cancellation requests or physical correspondence to the company’s registered/head office address.
Postal address
9th Floor, Tower 1, One Indiabulls Centre, Jupiter Mills Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai 400013, India.