Aditya Birla Company Overview - Aditya Birla Health Insurance
The Aditya Birla Activ Health Essential Plan is a medical 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.
The Features Of This Plan Are:
| Criteria | Description |
|---|---|
| Policy Term | 1, 2 or 3 years. |
| In - Patient Hospitalization | Yes, cover room rent, doctor’s fee, operation theatre expenses, medicines, drugs and other consumables.
Choice from economy to single private room. |
| Pre/Post Hospitalization Expenses | 30 days / 60 days |
| Day Care Treatment | Yes |
| Domiciliary Hospitalization | Yes |
| Road Ambulance Cover | Yes |
| Second E-opinion on Critical Illness | Yes |
| Sum Insured | Rs. 50,000 to Rs. 10 lakhs |
| Deductible | You have an option to select a deductible of Rs. 25,000 | Rs. 50,000 | Rs. 1 lakh | Rs. 2 lakh |
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.
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
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:
There Are Two Types - Cashless and Reimbursement
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.
Post submission, the insurer will approve/reject the claim accordingly. The amount is reimbursed via NEFT to your registered bank account.
The Aditya Birla Health Insurance is an ideal plan for individuals who want to cover their entire family.
Many health insurance policies come with the benefits of life cover. The Activ Health Essential Policy comes with the benefit of Health Returns. 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.
