All about Aditya Birla Activ Secure - Hospital Cash

Aditya Birla Activ Secure Hospital Cash Plan is especially designed to enable the insured to avail daily cash benefits on being hospitalized. A basic health insurance policy financially secures the insured against hospitalization expenses. However, there are other hidden expenses involved that basic health plans do not cover – ICU Benefit, Convalescence Benefit, Parental Accommodation Benefit, etc. There are various options offered under this plan and the insured can opt as per their health insurance objectives.

Features & Benefits of Aditya Birla Activ Secure - Hospital Cash

Following are the features and benefits of Aditya Birla Activ Secure- Hospital Cash:

  • Daily cash on hospitalization - Aditya Birla Activ Secure Hospital Cash Plan contributes towards the expenses incurred on for each day of hospitalization, irrespective of the charges.
  • Daily Allowance – This ranges between Rs. 500 and Rs. 10,000.
  • ICU Benefits – Policyholders are also eligible for claiming the additional charges involved in admission to the ICU.
  • Charges for extended hospitalization - Aditya Birla Activ Secure Hospital Cash Plan offers the benefit of covering for charges incurred in hospitalization beyond 7 days.

Tax Benefits of Aditya Birla Activ Secure - Hospital Cash

Tax benefits on annual premiums up to Rs. 25,000 can be availed as per Section 80D of the Income Tax Act, 1961, against Aditya Birla - Activ Health – Hospital Cash Plan.

What is Covered in Aditya Birla Activ Secure - Hospital Cash?

Daily Cash Benefit (DCB) - Aditya Birla Activ Secure Hospital Cash Plan pays the insured for every 24 hours of hospitalization. The policyholder has the flexibility to opt for this benefit for 30 days or 45 days or 60 days in a policy year.

Convalescence Benefit – The insured can avail the Daily Cash Benefit for a day on hospitalization for less than 7 days.

Deductible per Claim - A deductible of one day is applicable under Aditya Birla Activ Secure Hospital Cash Plan.

Parental Accommodation Benefit – A benefit equivalent to 1 DCB is payable to an insured of 12 years or less on hospitalization of 72 consecutive hours.

Double Benefit Cover – Hospitalization as a result of road traffic accident or admission to the ICU makes the insured eligible for double the Daily Cash Benefit. This benefit is applicable for a maximum of 10 days in a policy year.

Wellness Coach (Optional Cover) – The insured has the option to opt for a specialist to guide him/her with nutrition, fitness and lifestyle habits.

What is Not Covered in Aditya Birla Activ Secure - Hospital Cash

The following are the exclusions of Aditya Birla Activ Secure Hospital Cash Plan.

  • Manmade disasters like war, invasion, etc.
  • Surgeries that are meant for enhancing facial features like plastic and dental surgeries, and surgeries for congenital disorder, infertility, etc.
  • Treatment for mental illnesses
  • General debility, growth hormone therapy, congenital external diseases and defects, genetic disorders, etc.
  • Intentional self-injury and treatment for drug addiction and alcoholism
  • Hospitalization for medical examinations like X-ray

Eligibility Criteria for Aditya Birla Activ Secure - Hospital Cash

The minimum age at entry is 5 years and Maximum entry age is 65 years under the Policy. Proposer’s age should be at least 18 years.

This plan provides renewals for lifetime.

Required Documents to Buy Aditya Birla Activ Secure - Hospital Cash

Here’s a list of documents required to buy this plan-

  • Proof of Identity - Aadhaar Card, PAN Card, Passport, Driving License or Voter ID
  • Proof of Address – Passport, Telephone Bill, Electricity Bill, Ration Card or Bank Account Statement
  • Proof of Age – PAN Card, Birth Certificate, Passport, Voter ID and Driving License
  • Income Proof- Salary Slip, Employer Certificate Form or Form 16
  • Medical check-up
  • Passport size photographs

How to Claim Aditya Birla Activ Secure Hospital Cash Plan & Documents Required

Cashless Claims Process:

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: The 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.

Reimbursement Process:

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.

Required documents

  • Claims Form, duly filled by the hospital
  • Health card or policy copy
  • KYC documents (Photo ID, Address Proof and Age Proof)
  • Copy of Hospital Registration Certificate
  • Original Discharge Card/ day care summary/ transfer summary or death summary
  • Original final hospital bill, receipts, diagnostic test reports, etc.
  • Letter from treating medical practitioner

Conclusion

Aditya Birla Activ Secure Hospital Cash Plan specializes in offering daily cash benefits on hospitalization. Basic health insurance policies cover expenses incurred towards hospitalization, as specified in the policy document. In contrast, it covers the insured against extra amount spent in hospitalization and also certain other hidden charges. Besides, Aditya Birla Activ Secure Hospital Cash Plan also offers some unique benefits that are not usually typical of other basic health policies.

Aditya Birla Activ Secure - Hospital Cash Policy Reviews

“I had met with a road accident in the last year and was in ICU with serious injuries. The Double Benefit Cover offered by Aditya Birla Activ Secure Hospital Cash Plan made me eligible for double the Daily Cash Benefit for all the 8 days that I was in the ICU. Thank you for saving me from the exorbitant ICU expenses that I would have had to bear otherwise.” – Mehul Nayak

“Post hospitalization, my health had, of course, gone for a toss. Glad that I had opted for the Wellness Coach cover against my Aditya Birla Activ Secure Hospital Cash Plan. The constant guidance of my nutritionist helped me back on my feet and back to my regular lifestyle.” – Jagdish Shinde

“My hospitalization extended for a few more days than the standard period of a week. Thankfully, I could claim the expenses for the extra days that I had to spend in the hospital against my Aditya Birla Activ Secure Hospital Cash Plan. I was so relieved that I chose this health plan.” – Mehak Shah