- About Coverfox
A comprehensive health insurance plan, Aditya Birla Activ Health – Enhanced Plan, is designed to enable policyholders to take care of hospitalization and other medical needs. It enables you to be financially prepared for planned and emergency medical expenses well in advance. The unique benefits like Reload of Sum Insured, Choice of Hospital Room and Chronic Management Program offered by Aditya Birla Activ Health – Enhanced Plan make it an effective health plan for people across varied needs. It is well-suited for individuals as well as families.
|Policy Tenure||1 or 2 or 3 years|
|Sum Insured||Rs. 2 lakh - Rs. 2 crore|
|In-patient hospitalization||Choice of shared, single or any room|
|Pre-hospitalization medical expenses||60 days|
|Post-hospitalization medical expenses||180 days|
|Day care Treatment||Available|
|Ambulance Hospitalization||Actuals at network hospitalization & max. of Rs. 5,000 per hospitalization in a non-network hospitalization|
|Organ Donor Expenses||Available|
|Reload of Sum Insured||Available|
|Cumulative Bonus||Up to a max. of Rs. 50 lakhs|
|Health Check-up Program||Available, once in a policy year|
|Benefit for Hospital Room Choice||Available|
|Second e-Opinion on Critical Illness||Available|
|Worldwide Emergency Assistance Services||Available|
|Chronic Management Program||Available|
|Hospital Cash Benefit||Available|
|Recovery Benefit||1% of Sum Insured, max. of Rs. 10,000 (10 days of hospitalization)|
HealthReturns: This feature offered by Aditya Birla Activ Health – Enhanced Plan enables the policyholder to earn up to 30% of the annual policy premium. The return amount can be used to pay renewal premium or for the payment of medicines, medical tests, etc.
Day 1 Cover: This amount can be utilized for the payment of diagnostic tests, medicines, doctors’ consultation fees in case of chronic illnesses like asthma, diabetes, hypertension, high cholesterol, etc.
Choice of Hospital Room: This feature offers you the flexibility to choose the type of hospital room you would prefer to be hospitalized, when need be, right at the start of your policy tenure.
Reload of Sum Assured: Policyholders are eligible for 100% reload of sum assured in case of an unrelated illness in the same policy year. In case of road accidents, reload of the sum insured happens in the first claim itself.
Tax benefits on annual premiums up to Rs. 25,000 can be availed as per Section 80D of the Income Tax Act, 1961, Aditya Birla Activ Health – Enhanced Plan.
The following are some of the benefits covered by Aditya Birla Activ Health – Enhanced Plan:
The following are the exclusions of Aditya Birla Activ Health – Enhanced Plan.
Step 1 – Check Network Hospital: Get in touch with your preferred network hospital of Aditya Birla Health Insurance
Step 2 – Patient Identification: Present Aditya Birla Health Insurance Cashless Card or provide policy number, along with valid ID Proof like PAN, Passport, Voter ID for verification
Step 3 – Cashless Identification Request Form: This form has to be submitted within 48 hours of hospitalization in case of case of emergency hospitalization. For planned hospitalization, the form has to be submitted at least 3 days before hospitalization.
Step 4 – Hospitalization Request Review: Aditya Birla Health Insurance gets in touch with the network hospital within 2 business hours. You are notified of the same through an SMS or email.
Step 5 – Claim Settlement: After the necessary documents have been verified by Aditya Birla Health Insurance, the claim will be settled.
Step 1: Get in touch with Aditya Birla Health Insurance to initiate claims.
Step 2: Submission of necessary claim documents.
Step 3: The documents are verified. The insurance company may ask for other documents, if necessary. After thorough verification of the authenticity of the documents, the claims are reimbursed.
Aditya Birla Activ Health – Enhanced Plan offers attractive benefits like reload of sum assured, choice of hospital room, rebates on annual policy premium that makes it a comprehensive yet affordable health plan. It covers hospitalization and medical expenses as well as pre and post hospitalization charges. It is suitable for individuals as much as it is for families.
“The extensive list of network hospitals of the insurance company was one of the reasons why I chose Aditya Birla Activ Health – Enhanced Plan. The cashless benefit that I could avail when I was hospitalized ensured that I could be eligible for all medical services without the hassle of cash transactions. Glad that I selected this plan.” – Manish Arya
“The high claim settlement ratio along with comprehensive coverage of Aditya Birla Activ Health – Enhanced Plan were the reasons why I decided to go for this plan.” – Aditi Rastogi
“Aditya Birla Activ Health – Enhanced Plan offers several unique benefits like HealthReturns, reload of sum assured, etc., which several other health plans do not include. It looked like a useful health insurance plan for my entire family and I haven’t been proved wrong. Great job guys! – Anindita Tibrewal