Aditya Birla Activ Health Essential Plan

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      Aditya Birla Activ Health Essential Plan

      For quality healthcare throughout life, an effective health plan becomes a necessity. The Aditya Birla Activ Health Essential is one of the health insurance policies from the house of Aditya Birla Health Insurance Co. Ltd. that offers robust health coverage, including hospitalization expenses for COVID-19.

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      Aditya Birla Activ Health Essential: Key Highlights

      Plan Type


      Sum Insured

      Rs 50,000- 10 lakh

      Policy Tenure

      1, 2, 3 years

      Day Care Procedure cover


      Chronic Disease Cover

      From day 1

      Eligibility Criteria

      The minimum eligibility conditions to fulfil to buy this policy are:

      Minimum Entry Age

      91 days

      Maximum Entry Age

      No limit

      Number of people covered

      9 members: 6 Adults + 3 children; Individual, spouse, dependent parents, dependent parents-in-law, children up to 25 years old

      Residential Status

      Indian Citizens and Permanent Residents

       Coverage Offered

      One can buy an Aditya Birla Activ Health Essential Insurance Policy plan, which offers a sum insured from Rs 50,000 up to Rs 10 lakh with an Individual plan or a Family floater with a policy term from 1-3 years.

      The following basic coverage is offered under the Aditya Birla Activ Health Essential plan:

      • Inpatient Hospitalization - All expenses such as room rent, doctor's fee, medicine, etc., are covered as per the policy. One can also choose the hospital room category from economy to a single private room.
      • Pre-hospitalization Medical Expenses - Medical expenses incurred up to 30 days before hospitalization are covered as per the policy.
      • Post- hospitalization Medical Expenses-  Up to 60 days, post-hospitalization medical expenses are covered as per the policy.
      • Daycare treatment- A daycare hospitalization is covered for the treatments that do not require a 24-hour hospitalization up to 527 procedures.
      • Domiciliary Hospitalization- If one cannot be admitted to the hospital, medical expenses during a home treatment are covered.
      • Road Ambulance Cover- Ambulance charges incurred during an emergency are reimbursed fully if availed from network providers and up to Rs 2,000 per hospitalization if availed of from non-network providers.

      Aditya Birla Activ Health Essential plan: Inclusions

      Apart from the basic coverage, the following benefits are included in the Aditya Birla Activ Health Essential plan:

      • Cumulative Bonus for every policy year that is free from claims
      • Free annual Health Check-up Program, customized as per the individual's age.
      • Chronic Management Program with doctors for diseases like diabetes, high cholesterol, and asthma
      • Health Returns in the form of accumulated rewards that can be used for any medical expense not covered in the policy or to pay the premium of the policy renewal
      • Wellness Coach to suggest a diet and fitness routine to keep track of one's health
      • Second E-opinion on critical illness by international professional specialists for critical heart attack or cancer
      • Deductible options to be opted for Rs 25000, Rs 50, 0000, Rs 1 lakh, or Rs 2 lakh as per the plan chosen.
      • Hospital Cash benefit as an optional per day allowance with a deductible of 24 hours. This benefit can be availed up to 10 days per claim and maximum 30 days in a policy year.  

      The List of Exclusions

      Given below is the list of treatment expenses that are excluded from the Aditya Birla Activ Health Essential Plan:

      Wait-period diseases:

      • Diseases encountered before the initial 30-days waiting period
      • Conditions specified in the 24-months waiting period
      • Pre-existing disease before the waiting period
      • 24-month Maternity waiting period

      Permanent Exclusions:

      Following treatments/conditions/expenses are not covered:

      • Self-injury
      • Participation in criminal and unlawful activities
      • Participation in Adventure sports
      • Drug and alcohol abuse
      • Obesity-related issues
      • Congenital diseases or anomalies, etc.,

      *For a detailed list of exclusions, please refer to the policy document.

      Features and Benefits of the Aditya Birla Activ Health Essential Plan

      Following are the benefits and features of the Aditya Birla Activ Health Essential Plan: 

      • Day 1 cover is provided under Chronic Management Program.
      • Health Returns can be claimed up to 30%
      • Option to choose any desired room category
      • Tax benefits can be availed as per section 80 D of the income tax act.
      • Second e-opinion is available in case of critical illness.
      • The policy offers 30% of the premiums as Health Return as a reward for staying healthy

      Cancellation of Policy

      The Aditya Birla Activ Health Essential Plan Insurance policy has the following rules for cancellation:

      • If the policy is cancelled within 15 days of offline policy or the first 30 days of online policy (free look period), 100 % of the policy coverage is refunded. The number of days the policyholder was insured, any expenses made by the insurer, and stamp duty charges will be deducted from the premium payment.
      • If cancelled after the free-look period, such as within a period of 1 month, 3 months, and 6 months, the premium refunded will be 75%, 50 %, and 25%, respectively.
      • No refund will be provided if the policy is cancelled after 6 months. 


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