Aditya Birla Activ Health Essential

The Aditya Birla Activ Health Essential Plan is a medical health insurance policy offered by Aditya Birla Health Insurance Company Limited. This is a comprehensive health insurance plan which provides cover as well as rewards you for maintaining a healthy lifestyle.

Note: All information has been sourced from the official website of Aditya Birla Health Insurance Company Limited.

Features of Aditya Birla Activ Health Essential

The Features Of This Plan Are:

CriteriaDescription
Policy Term1, 2 or 3 years.
In - Patient HospitalizationYes, cover room rent, doctor’s fee, operation theatre expenses, medicines, drugs and other consumables.
Choice from economy to single private room.
Pre/Post Hospitalization Expenses30 days / 60 days
Day Care TreatmentYes
Domiciliary HospitalizationYes
Road Ambulance CoverYes
Second E-opinion on Critical IllnessYes
Sum InsuredRs. 50,000 to Rs. 10 lakhs
DeductibleYou have an option to select a deductible of Rs. 25,000 | Rs. 50,000 | Rs. 1 lakh | Rs. 2 lakh

Benefits of Aditya Birla Activ Health Essential

The Benefits Of This Plan Are:

  • HealthReturns - Earn upto 30% of your policy premium back by staying healthy.
  • Day 1 cover for chronic diseases like diabetes, high cholesterol, hypertension, etc. with Chronic Management Program.
  • 527 day care procedures are covered.
  • Cumulative bonus of 10% of sum insured for every claim-free year. Maximum accumulation of 100% of sum insured.
  • Free health check-up for each adult once in a policy year.
  • In case of road accidents, the insurer will reload the sum insured in the first claim itself.

Tax Benefits under Aditya Birla Activ Health Essential

Under this plan, you can claim tax deductions as mentioned in Section 80D of the Income Tax Act, 1961.

What Is Not Covered in Aditya Birla Activ Health Essential?

The Following is The List of Permanent Exclusions:

  • Treatment directly or indirectly arising from or consequent upon war or any act of war, invasion, act of foreign enemy, war like operations.
  • Willful or deliberate exposure to danger, intentional self-Injury, non-adherence to Medical Advice, participation or involvement in naval, military or air force operation, circus personnel, racing in wheels or horseback, diving, aviation, scuba diving, parachuting, hang-gliding, rock or mountain climbing, bungee jumping, parasailing, ballooning, skydiving, river rafting, polo, snow and ice sports in a professional or semiprofessional nature.
  • Substance/Drug abuse
  • Circumcision
  • Cosmetic Surgery
  • Psychiatric or psychological disorders, mental disorders (including mental health treatments), Parkinson and Alzheimer’s disease, general debility or exhaustion (rundown condition), sleep apnea, stress.
  • HIV/AIDS
  • Genetic/Congenital Disorders
  • Treatment taken outside India.
  • Dental Treatment

Eligibility Criteria For The Aditya Birla Activ Health Essential

The minimum age of entry is 91 days and there is no maximum entry age. Children up to 25 years can be covered under the floater as dependents. The family floater plan covers upto 9 members (6 Adults+3 children) comprising of self, spouse, dependent parents, dependent parents-in-law, children up to 25 years (up to 3).

Documents required to buy Aditya Birla Activ Health Essential

The Documents Required To Purchase This Plan Are:

  • Application/Proposal Form
  • KYC - Proof of ID and Address
  • Medical check-up report, if required.

How To Make a Claim Under Aditya Birla Activ Health Essential Plan & Documents Required For Claim?

There Are Two Types - Cashless and Reimbursement

The Steps For Making a Cashless Claim Are:

  • First, you need to approach or get admitted to a network hospital.
  • Show the Aditya Birla Activ Health Insurance Cashless Card or policy number along with valid ID proof.
  • Fill the Cashless Pre-authorization and Cashless Hospitalization Request Form and submit the same.
  • The insurer will review the forms and post approval, will process the claim. You can also check your claim status from the official website of Aditya Birla Health Insurance Company Limited.

The Steps For Eeimbursing A Claim Are:

In case of an emergency, you will be required to intimate the insurer within 15 days of getting discharged from the network hospital and submit the following documents.

  • Claim Form Part A & B
  • Health Card/Policy Copy/KYC
  • Copy of Hospital Registration Certificate
  • Discharge Card/Certificate
  • Final hospital bill with a complete break-up of all expenses.
  • Letter from the treating medical practitioner.
  • All the previous diagnostic/consultation papers.
  • Pharmacy/Medical bills
  • Medico Legal Certificate/FIR Copy
  • Pre and post-operating imaging reports.

Post submission, the insurer will approve/reject the claim accordingly. The amount is reimbursed via NEFT to your registered bank account.

Conclusion & Review

Conclusion

The Aditya Birla Health Insurance is an ideal plan for individuals who want to cover their entire family.

Review of Aditya Birla Activ Health Essential Policy

Many health insurance policies come with the benefits of life cover. The Activ Health Essential Policy comes with the benefit of HealthReturns. You get rewarded for maintaining a healthy lifestyle. This policy is designed is boost healthy living by providing them with additional benefits. Due to this feature, this policy is highly popular among the audience.

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