About Aditya Birla Activ One Maternity Plus Plan
Aditya Birla Activ One Maternity Plus is a maternity insurance policy that provides coverage for pregnancy and childbirth-related expenses after a waiting period of 3 months. It provides newborn baby coverage from day 1 and covers pregnancy and postpartum-related OPD expenses (pre & post-natal expenses) for up to 90 days post-delivery. It also offers unlimited teleconsultations with general physicians and annual health assessments.
Aditya Birla Activ One Maternity Plus Plan: Key Highlights
| Categories | Specifications |
|---|---|
| Sum Insured | ₹1 crore |
| Delivery Expenses Limit | ₹30,000 to ₹1.5 lakh |
| Pre-policy Medical Check-ups | May be required |
| Maternity Waiting Period | 3 months |
| Discount |
|
or select from popular citiessActivOne Maternity Features
Search ActivOne Maternity Cashless Network Hospital list
Key Benefits of Aditya Birla Activ One Maternity Plus Plan
Aditya Birla Activ One Maternity Plus Plan: Inclusions, Exclusions & Optional Cover
-
Maternity CoverIt covers the in-patient hospitalization expenses resulting from childbirth, including normal and C-section deliveries.
-
Hospitalisation ExpensesIt pays for the medical expenses incurred during in-patient hospitalisation, including room rent and ICU charges.
-
AYUSH TreatmentIt covers the cost of availing medical treatment through the AYUSH system of medicines, such as Ayurveda, Unani, Siddha, Yoga and Homeopathy.
-
Organ Donor ExpensesIt pays for the hospitalisation expenses incurred on harvesting of the organ donated by the donor for the insured’s organ transplant surgery.
-
Obesity TreatmentIt covers the medical expenses incurred on the treatment of obesity or bariatric surgery.
-
Mental Illness HospitalisationIt pays for the hospitalisation expenses resulting from the treatment of a mental illness.
-
Sterility and InfertilityIt does not cover any type of sterilization, assisted reproductive services and gestational surrogacy.
-
Dietary Supplements and SubstancesIt does not pay for dietary supplements and substances that can be purchased without a subscription.
-
Dental TreatmentsIt excludes the treatment cost of availing dental procedures or oral treatments.
-
Cosmetic or Plastic SurgeryIt does not pay for the cost of cosmetic or plastic surgery unless required due to accidents, burns or cancer.
-
Unproven TreatmentIt excludes the medical expenses incurred on availing unproven treatments.
-
Hospitalisation for Investigation/EvaluationIt does not cover hospitalization expenses for investigation or evaluation purposes.
-
Newborn CoverIt covers the hospitalisation expenses incurred on the treatment of the newborn baby from day 1 to up to 90 days after its birth.
-
Reduction in Pre-existing Disease Waiting PeriodIt reduces the waiting period for pre-existing diseases from 3 years to 2 years or 1 year.
-
Reduction in Specific Disease Waiting PeriodIt lowers the waiting period for specific diseases from 3 years to 2 years.
-
Claim ProtectIt covers the cost of consumables incurred during hospitalisation, such as the cost of cotton, bandages, syringes, etc.
-
Per Claim DeductibleIt allows the policyholder to opt for a voluntary deductible of ₹15,000 or ₹25,000.
-
PPN DiscountIt provides a premium discount of 10% in case the insured avails treatment at a preferred provider network hospital.
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 One Maternity Plus Plan: FAQs
-
Q1. Is it good to take the Aditya Birla Activ One Maternity Plus plan?
Ans: Yes. Buying an Aditya Birla Activ One Maternity Plus plan is a good idea, as it offers comprehensive maternity coverage with a low waiting period of 3 months. It covers newborn baby treatment from day 1 and pays for pre-natal and post-natal expenses. Apart from these, the plan also offers a wide range of attractive coverage benefits, including 2x coverage from day 1, unlimited restoration of sum insured, sum insured enhancement every year, and day 1 PED coverage for 7 listed illnesses.
-
Q2. Is maternity covered in Aditya Birla health insurance?
Ans: Yes. Maternity expenses are covered under the Aditya Birla Activ One Maternity Plus plan after a waiting period of 3 months.
-
Q3. What is the waiting period for the Aditya Birla Activ One Maternity Plus plan?
Ans: The waiting period for the Aditya Birla Activ One Maternity Plus plan is 3 months.
-
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.
-
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.
-
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.
-
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.
@2x.png){kind=logo}
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.
- Intimate Aditya Birla about the hospitalization
- In case of planned hospitalization, inform the insurance provider before hospital admission.
- Obtain medical treatment
- During discharge, pay the hospital bill in full.
- Collect all the medical documents, hospital bills and receipts
Our Claim specialists in below cities will reach your hospital or home in 30 minutes to support your health insurance claim
