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

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