Aditya Birla Activ Fit Plan

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      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.

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      Aditya Birla Activ Fit Plan: Key Highlights

      Categories Specifications
      Sum Insured Rs 5 lakh to Rs 1 crore
      Policy Tenure 1 year, 2 years, 3 years
      Plan Types Plus, Preferred
      Network Hospitals 10051+
      Incurred Claim Ratio (2021-22) 69.56%
      Pre-policy Medical Check-up May be required
      Pre-existing Diseases Waiting Period 4 years
      Discount 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

      Benefits of Aditya Birla Activ Fit Plan

      Here are some of the key benefits of buying an Aditya Birla Activ Fit plan:

      • Unlimited Binge Refill from Day 1

        With this benefit, the sum insured amount can be 100% refilled for unlimited times in a policy year in case the original sum insured has been exhausted or is insufficient to cover a claim. 

      • Good Health Discount

        One of the highlights of this plan is that the policyholder can save a flat 10% on the first premium amount if he/she is found to be in good health condition.

      • Early Bird Discount

        The policyholder gets an early bird discount from the 4th policy renewal if he/she was less than 35 years old at the time of buying the policy.

      • Free Annual Health Check Up Facility

        The Aditya Birla Activ Fit plan enables the insured to avail free health check-up facility on a cashless basis once every year.

      • Health Returns

        If the insured stays active for 275 days in a year, he/she can earn up to 50% of their premium amount back with the Health Returns benefit.

      • Value Added Benefits

        This Aditya Birla health insurance plan also comes with multiple value-added benefits, including health assessment and mental health assessment programs, to keep a check on the health condition of a person.

      • No Claim Bonus

        With this benefit, the policyholder becomes eligible to earn a No Claim Bonus (NCB) of 10% for a maximum of 100% for every claim-free year.

      • Tax Benefits

        The premium paid to buy an Aditya Birla Activ Fit plan can also be claimed for tax deductions under Section 80D, Income Tax Act, 1961.

      Aditya Birla Activ Fit Plan Eligibility Criteria

      Check out the eligibility criteria to buy an Aditya Birla Activ Fit plan in the table below:

      Parameters Eligibility Criteria
      Minimum Entry Age Adult – 18 years
      Child – 5 years, 91 days (floater)
      Maximum Entry Age Adult – 45 years
      Child – 25 years
      Coverage Type Individual and family floater
      Maximum No. of Family Members Covered 6
      Relationships Covered Self, spouse, children, siblings, grandchildren, son-in-law, daughter-in-law, brother-in-law, sister-in-law, nephew and niece
      Renewability Lifetime

      Inclusions of Aditya Birla Activ Fit Plan

      The Aditya Birla Activ Fit plan comes with the following inclusions:

      • In-patient Hospitalization – It covers the cost of hospitalization taken for at least 24 hours, including the ICU stay.
      • Modern Treatment – It pays for the cost of availing treatment through 12 modern procedures, including oral chemotherapy, balloon sinuplasty, etc.
      • HIV/ AIDS and STD – It covers the medical expenses incurred on the treatment of HIV/AIDS and STD or sexually transmitted diseases.
      • Mental Care Cover – It pays for in-patient hospitalization expenses incurred on the treatment of mental illnesses, including anxiety, stress, depression, etc.
      • Day Care Treatment – It covers the cost of day care procedures and surgeries that require hospitalization of less than 24 hours.
      • Daily Cash Benefit – It 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.
      • Pre-hospitalization Medical Expenses – It covers the medical expenses incurred for up to 90 days before getting hospitalized.
      • Post-hospitalization Medical Expenses – It pays for the medical expenses incurred for up to 180 days after getting discharged from the hospital.
      • Domiciliary Hospitalization – It covers the cost of hospitalization at home taken under the advice of a doctor for at least 3 days in case shifting to a hospital is not possible.
      • Home Treatment – It pays for the medical expenses incurred on treatments taken at home on the recommendation of a doctor.
      • Road Ambulance Cover – It covers the cost of road ambulance services availed to transport the insured to the nearest hospital.
      • Organ Donor Expenses – It pays for the cost of harvesting the organ of a donor for the organ transplant surgery of the insured.
      • AYUSH Cover – It covers the in-patient hospitalization expenses incurred by the insured at an AYUSH hospital or day care centre.
      • Maternity Expenses – It pays for the medical expenses incurred by the insured women during pregnancy, including the cost of both normal and C-section deliveries.
      • Newborn Baby Expenses – It covers in-patient expenses incurred on the treatment of the newborn baby for up to 90 days from the delivery date.
      • Vaccination Expenses – It pays for the cost of vaccination of a newborn baby for up to 2 years from the delivery date.
      • Stem Cell Preservation – It covers the medical expenses incurred on harvesting and storing the stem cells of the newborn baby.
      • Domestic Emergency Assistance Services – It pays for the cost of availing emergency medical evacuation and medical repatriation within the country.

      Optional Covers:

      • Super NCB – It enables the insured to earn a No Claim Bonus (NCB) of 50% for a maximum of 100% for every claim-free year.
      • Travel Protect – It 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.
      • Premium Waiver – It 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.
      • EMI Protection – It pays the EMI of the insured in case he/she is admitted to a hospital for more than 6 consecutive days.
      • Reduction in Maternity Waiting – It reduces the waiting period to avail the maternity cover from 36 months to 24 months.
      • Non-Medical Expense Waiver – It pays for the non-medical expenses incurred by the insured while being hospitalized that are generally not covered under health insurance.
      • OPD Expense – It covers the medical expenses incurred on physical outpatient consultations and teleconsultations taken from a doctor unlimited times in a policy year.

      Exclusions of Aditya Birla Activ Fit Plan

      The following coverage is excluded from the Aditya Birla Activ Fit plan:

      • Obesity and weight control procedures
      • Cosmetic or plastic surgery
      • Adventure or hazardous sports
      • Treatment for alcoholism or substance abuse
      • Sterility and infertility
      • Suicide or self-inflicted injury
      • External congenital anomalies
      • Treatment taken outside India

      Aditya Birla Activ Fit Plan Waiting Periods

      Take a look at the waiting periods applicable to Aditya Birla Activ Fit plans:

      Category Waiting Period
      Pre-existing Diseases Waiting Period 4 years
      Specific Diseases Waiting Period 2 years/ 4 years
      Initial Waiting Period 30 days
      Maternity Expenses Waiting Period 3 years

      FAQs

      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
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      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.

      *Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

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