About Aditya Birla Activ Fit Plan
The Aditya Birla Activ Fit plan has been specially designed to provide medical coverage to young adults who lead an active and fit lifestyle. The plan rewards people for staying fit and offers coverage for hospitalization, maternity expenses, ambulance services and treatments taken at home. Moreover, the plan also comes with attractive benefits, such as the binge refill benefit from day 1, health check-up program, EMI protection, premium waiver, etc.
Aditya Birla Activ Fit Plan: Key Highlights
| Categories | Specifications |
|---|---|
| Sum Insured | ₹5 lakh to 1 crore |
| Pre-Policy Medical Check-ups | May be required |
| Pre-existing Diseases Waiting Period | 3 years |
| Discounts | 10% good health discount Up to 10% early bird discount Up to 10% family discount 10% direct purchase discount 2.5% standing instruction discount Up to 10% long term discount 10% online intermediary discount |
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Key Benefits of Aditya Birla Activ Fit Plan
Aditya Birla Activ Fit Plan Inclusions, Exclusions & Optional Cover
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In-patient HospitalizationIt covers the cost of hospitalization taken for at least 24 hours, including the ICU stay.
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Modern TreatmentIt pays for the cost of availing treatment through 12 modern procedures, including oral chemotherapy, balloon sinuplasty, etc.
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HIV/ AIDS and STDIt covers the medical expenses incurred on the treatment of HIV/AIDS and STD or sexually transmitted diseases.
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Mental Care CoverIt pays for in-patient hospitalization expenses incurred on the treatment of mental illnesses, including anxiety, stress, depression, etc.
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Day Care TreatmentIt covers the cost of day care procedures and surgeries that require hospitalization of less than 24 hours.
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Daily Cash BenefitIt pays a cash allowance to the insured for each day of hospitalization ranging from Rs 800 per day to Rs 1000 per day, depending on the sum insured amount.
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Obesity TreatmentsIt excludes surgeries for obesity or weight management if not specified by the doctor.
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Cosmetic or Plastic SurgeryIt does not cover costs for cosmetic procedures done solely for beautification purposes.
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Adventure or Hazardous SportsIt does not pay for medical expenses to treat injuries from adventure sports like rafting, rock climbing, etc.
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Treatment for AlcoholismIt excludes treatments for alcoholism, drugs or other addictive substances and consequences thereof.
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Sterility and InfertilityIt does not pay for sterilization and assisted reproductive treatments like IVF, GIFT, etc.
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Suicide or Self-inflicted InjuryIt does not cover medical costs associated with attempted suicide or intentional self-injury.
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Super NCBIt enables the insured to earn a No Claim Bonus (NCB) of 50% for a maximum of 100% for every claim-free year.
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Travel ProtectIt pays a fixed amount to the insured in case he/she suffers from loss or delay in check-in baggage, trip cancellation & interruption, trip delay or missed flight connection while travelling through a common carrier within India.
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Premium WaiverIt waives off the premium for 1 year in case the insured is diagnosed with 20 listed critical illnesses for the first time or meets with an accident leading to permanent total disability.
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EMI ProtectionIt pays the EMI of the insured in case he/she is admitted to a hospital for more than 6 consecutive days.
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Reduction in Maternity WaitingIt reduces the waiting period to avail the maternity cover from 36 months to 24 months.
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Non-Medical Expense WaiverIt pays for the non-medical expenses incurred by the insured while being hospitalized that are generally not covered under health insurance.
Aditya Birla Activ Fit Plan Waiting Periods
| Categories | Waiting Period |
|---|---|
| Pre-existing Diseases Waiting Period | 3 years |
| Specific Diseases Waiting Period | 2 years/ 4 years |
| Initial Waiting Period | 30 days |
| Maternity Expenses Waiting Period | 3 years |
In case of emergency we are just a call away. Take care of your family, we will do the rest. Our claim specialists will reach your location & complete the formalties from filing the claim to documentation to coordinating with insurer, TPA & hospital. Available in New Delhi and 114+ cities View cities list ›Policybazaar Claim Process
Aditya Birla Activ Fit Plan: FAQs
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Q. Does the Aditya Birla Activ Fit plan come with any room rent limit?
Ans: No. People who have bought the Aditya Birla Activ Fit plan can opt for any room category at the time of hospitalization as it comes with any room rent limits. -
Q. Will I get a good health discount under the Aditya Birla Activ Fit plan?
Ans: You can earn a good health discount under the Aditya Birla Activ Fit plan if you are in good health condition at the time of buying. The insurer will assess your health condition through a health risk assessment and a unique facial scan. -
Q. How many day care procedures are covered by the Aditya Birla Activ Fit plan?
Ans: The Aditya Birla Activ Fit plan provides coverage for all day care procedures.
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Q. What is the advantage of selecting a policy with a duration of more than 1 year?
Ans: If one buys Aditya Birla Health Insurance for more than a year, one can save 7.5 % and 10% on the 2 and 3 years premium, respectively.
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Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
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Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
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Q. What is a waiver of a mandatory co-pay cover?
Ans: This benefit is covered on payment of an additional premium. Therefore, any mandatory co-payment that is applicable under the Aditya Birla Activ Health Essential Plan will be waived off.
Aditya Birla offers two types of claim settlements – cashless and reimbursement. Follow the steps to raise a claim:
- Find the nearest network hospital of Aditya Birla
- Get admitted to the hospital
- Notify the insurance company about the hospitalization
- In case of pre-planned hospitalization, intimate the insurer before hospital admission.
- Fill up the pre-authorization form and submit it to the hospital staff
- The pre-authorization form will be sent to Aditya Birla for approval.
- Once approved, obtain medical treatment.
- At the time of discharge, sign all the medical documents.
- Pay for the items/services not covered under the Aditya Birla policy
- The network hospital will send the hospital bill to Aditya Birla.
- After review, the insurance company will pay the bill amount directly to the network hospital.
- Inform the insurance company about the hospitalization
- In case of planned hospitalization, notify the insurer before hospital admission.
- Receive medical treatment
- At the time of discharge, pay the entire hospital bill in full.
- Collect all the medical documents, bills and payment receipts
Our Claim specialists in below cities will reach your hospital or home in 30 minutes to support your health insurance claim
