Aditya Birla Activ Health Enhanced

Product Overview

Adiyta Birla -Active Health Enhanced plan offers comprehensive cover for medical treatment of illness and accidents requiring in-patient hospitalisation.This plan offers add-on optional coverage for OPD & Maternity expenses.

Unique Features of Aditya Birla Activ Health Enhanced

• Reduction up to 30% in Renewal premium through Health Returns
• Hospital room choice-first of its kind in industry
• Enrollment into Chronic Management programme subsequent to diagnosis of any 4 chronic conditions
• Non Reduction of accumulated cumulative bonus even in the event of claim (20 to 100%)
• Worldwide emergency assistance services
• Reload of the base sum insured is available for unrelated illness once in policy year

Features of edit Edit Details

Critical features of Aditya Birla Activ Health Enhanced

• Room rent:
  Limits imposed towards room and ICU rent expenses
  Covered up to:

1. Any Room (Available for SI > 7 Lacs) OR
2. Single Private Room OR
3. Shared Room (Available for SI < 5 Lacs)

• Co-Pay:
  Specific % of admissible claim amount to be borne by Insured

1. Co-payment for treatment in higher zone-25%
2. Co-payment for treatment in higher room category is up to 40%

• No Claim Bonus:
  20 % of Basic Sum Insured per year upto a maximum of 100% for each unclaimed year in case opted for (The cumulative bonus will not be reduced in event of any claim)

• Pre-Existing Diseases:
  Means any condition, ailment or injury or related condition(s) for which you had signs or symptoms, and / or were diagnosed, and / or received medical advice/ treatment, within 48 months prior to the first policy issued by the insurer 
  This plans has a waiting period of 3 years is case of pre-existing diseases

Eligibility Criteria

• Minimum Age of Entry:- Children-91 days to 5 years/Adult-18 years
• Maximum age of Entry:- Children-25 years/Adult-No Limit
• Renewal Age:- Life Long Renewal
• Sum Insured:- Rs 2 lakhs - Rs 2 crores
• Policy Tenure:- 1,2 or 3 years
• Family Defination:-
  Individual Plan - Self, Spouse, Mother, Father, Mother-in-law, Father-in-law, Son, Daughter, Brother, Sister, Niece, Nephew, Brother in law,Sister in law, Grand Son, Grand Daughter, Grandmother, Grandfather, Daughter in law, Son in-law(20 Relationship Covered)
  Family Floater - Self, Spouse, Parents, Parents-in-law (Max up to 9 persons)
• Premium Calculated on Basis of:- Age, Zone (i.e. sum Insured Choosen)

Add-ons

• OPD
• Maternity Expenses
• Hospital Cash
• Deductible

Additional discounts

• Family Discount of 5% if 2 members or more family members and 10% if 3 or more family members.
• Long term Discount of 7.5% and 10% on selecting 2 and 3 policy terms respectively.

Exclusions

Any claims arising out of or attributable to any of the following is not covered,Please refer policy T & C for detailed list of exclusions.

• War, invasion, acts of foreign enemies, hostilities
• Plastic surgery unless necessary for the treatment of cancer, burns or accidental Bodily Injury/Dental treatment or surgery
• Sterility/Infertility & Congenital disorder
• Convalescence, general debility, rest cure, congenital external diseases or defects or anomalies, genetic disorders, stem cell implantation or surgery, or growth hormone therapy
• Intentional self-injury,treatment due to use or abuse of any substance, drug or alcohol and treatment for de-addiction
• Medical Expenses relating to any hospitalisation primarily and specifically for diagnostic, X-ray or laboratory examinations and investigations
• Treatment for any mental illness

Tax Benefits

• You can claim tax deduction benefit u/s 80D as per IT Act 1961 for premium paid towards this policy.
• Self, Spouse, Children- Up to Rs 20,000/-
• Parents-Up to Rs 25,000/-
• Parents (Senior Citizens)-Up to Rs 30,000/-

Claim Process

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