Aditya Birla Activ Care Premier Plan

Increasing cases of lifestyle diseases and rising costs of medical treatments have made it necessary to invest in a health insurance plan, especially in old age. The chances of falling sick or developing a lifestyle disease are more in old age. To provide medical care and protect your savings, Aditya Birla health insurance company offers an Activ Care Premier Plan that provides comprehensive health insurance coverage to senior citizens. Aditya Birla Activ Care Premier Plan is a comprehensive health insurance policy that offers extensive coverage for medical expenses incurred during hospitalisation and post-treatment recovery. Let us take a closer look at some of the key features and benefits of the plan.

The following are the key features of the Aditya Birla Activ Care Premier Plan.

• Free Annual Health Assessment: The plan offers comprehensive health check-ups once a policy year on renewal. This way the insured can keep track of his health on a regular basis and take preventive measures before the onset of a disease or health condition.
• No Claim Bonus: A no claim bonus of 10% of the sum insured is given for every claim-free year with an upper limit of 50% of the sum insured.
• Health Returns: Health returns are the rewards you earn for maintaining good health during a policy year. You can earn up to 21% of the premium amount as health returns if you maintain a healthy heart score and consult a personal health coach for health and nutritional counselling.
• Second E-opinion: The company has a panel of world-class medical practitioners who can be consulted online for a second medical opinion on major illnesses.
• Reload of Sum Insured: In case the sum insured is exhausted due to claims made in a policy year, a 100% reload of the sum insured is available once in a policy year.
• Personal Health Coach: The insured also gets access to a personal health coach for better lifestyle management. The health coach provides medical, nutritional and wellness counselling. He also helps the insured in understanding medical reports and guides on post-treatment recovery.
• Discounts: The plan offers various discounts like Health and wellness discounts on OPD consultations, diagnostics and pharmacy through the network service providers. Family discount of 5% on premium for covering 2 members of a family on individual sum insured basis. Long-term discount of 7.5% for a 2-year policy
• Recovery Support: The plan provides a number of optional care benefits to support a patient during his recovery period. These benefits include a nursing facility at home for 15 days after discharge from the hospital, lifestyle support and portable medical equipment if needed for recovery and advanced medical check-ups to monitor the progress in a patient’s health.
• Waiting Period: The plan has a 30 days initial waiting period, 24 months waiting period for specific illnesses and 2 years waiting period for pre-existing diseases.
• Co-payment: A 10% co-payment is applicable for in-patient hospitalisation, daycare, home treatment and AYUSH claims.
• Tax Benefits: The insured can save up to ₹ 50,000 as a deduction against the premiums paid, under section 80D of the Income Tax Act.

The following list mentions the eligibility criteria and the coverage available under the plan.

• The minimum entry age for the plan is 55 years and the maximum entry age is 80 years.
• The policy is available on an individual and family floater basis. Family floater includes self and spouse only.
• Sum insured options available under the plan are 5L, 7.5L, 10L, and 25L.
• In-patient hospitalisation is covered.
• The room type covered under the plan is a single private AC room
• ICU room expenses are covered under the plan up to the sum insured.
• The plan covers pre-hospitalisation and post-hospitalisation expenses for 30 and 60 days.
• A total of 586 daycare procedures are covered under the plan.
• The plan covers domiciliary hospitalisation up to the sum insured.
• Ambulance charges are covered up to the actual expenses in case service is availed through network providers.
• Organ donor expenses are covered up to the sum insured.
• AYUSH in-patient hospitalisation expenses are covered upto the 25% of the sum insured.
• Home treatment is covered up to ₹ 50,000.
• OPD treatments are covered up to ₹ 2500.
• Emergency assistance services are available for both domestic and international locations including air ambulance charges.

Aditya Birla Activ Care Premier Plan is a health insurance plan designed for people between the age of 55 to 80 years. The plan permits you to have medical coverage post-retirement at an affordable rate. The plan has flexible benefits that can be customised as per your requirements. The plan rewards you for maintaining good health and seeking wellness counselling. If you or a loved one is searching for a health insurance plan for senior citizens, this health insurance by Aditya Birla is the best choice.

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