About Aditya Birla Activ One Max Plan
Aditya Birla Activ One Max provides comprehensive coverage for emergency and planned medical expenses by enhancing the coverage amount by 5x in 5 years irrespective of claim history with the Super Credit benefit. It also refills the sum insured by 100% unlimited times a year in case of complete exhaustion with the Super Reload benefit.
Aditya Birla Activ One Max Plan: Key Highlights
| Categories | Specifications |
|---|---|
| Sum Insured | ₹2 lakh to ₹6 crore |
| Pre-policy Medical Check-ups | May be required |
| Pre-existing Diseases Waiting Period | 3 years |
| Discount |
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or select from popular citiessSearch Activ One Max Cashless Network Hospital list
Key Benefits of Aditya Birla Activ One Max Plan
Aditya Birla Activ One Max Plan: Inclusions, Exclusions & Optional Cover
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Hospitalisation TreatmentIt covers the cost of availing medical treatment after getting admitted to a hospital.
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Road Ambulance CoverIt pays for ambulance charges incurred while transporting the insured to the hospital.
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Day Care TreatmentsIt covers all day care treatments that require less than 24 hours of hospitalisation.
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Modern TreatmentsIt pays for the cost of availing 12 modern treatments, including oral chemotherapy, immunotherapy, etc.
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HIV/AIDS and STD CoverIt covers the hospitalisation expenses incurred during the treatment of HIV/ AIDS and STD.
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Mental Illness HospitalisationIt pays for hospitalisation expenses incurred on obtaining treatment for a mental illness.
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Maternity ExpensesIt does not cover the medical expenses incurred on pregnancy or childbirth.
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Cosmetic or Plastic SurgeryIt does not pay for cosmetic or plastic surgery unless necessitated due to an accident, burn or cancer.
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Treatment for Alcohol or Drug AbuseIt excludes the cost of availing treatment for alcoholism, substance or drug abuse.
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Dietary Supplements and SubstancesIt does not cover the medical expenses incurred on dietary supplements and substances.
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Sterility and InfertilityIt does not pay for the medical expenses incurred on sterility and infertility treatments.
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Dental TreatmentsIt excludes the medical expenses incurred on dental treatments unless required during in-patient hospitalisation resulting from an accident.
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Reduction in Specific Disease waiting PeriodIt reduces the waiting period for specific diseases from 2 years to 1 year.
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Reduction in PED Waiting PeriodIt lowers the waiting period for pre-existing diseases from 3 years to 2 years or 1 year.
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Room Rent Type OptionsIt modifies the eligible hospital room category to a single private room or shared accommodation.
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Per Claim DeductibleIt reduces the premium if the policyholder opts for a voluntary deductible of ₹15,000 or ₹25,000 per claim.
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Preferred Provider Network (PPN) DiscountIt offers a 10% discount if the insured avails treatment at a hospital listed under the preferred provider network of the insurance company.
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Critical Illness CoverIt pays a lump sum benefit on the first diagnosis of 20 listed critical illnesses. However, a survival period of 15 days has to be served.
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
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Aditya Birla Activ One Max Plan: FAQs
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Q1. Is Aditya Birla Activ One Max a good policy?
Ans: Yes. Aditya Birla Activ One Max is considered a good policy as it offers comprehensive coverage with no upper age limit. It offers unique benefits like the Super Credit benefit that increases the sum insured by 5x in 5 years, regardless of the claim amount and also offers unlimited restoration of the sum insured with the Super Reload benefit. It also offers day 1 coverage of 7 chronic conditions, including diabetes, asthma and hypertension, along with annual health check-ups. It also offers up to 100% discount on renewal premium with the HealthReturnz benefit.
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Q2. What is the premium for Aditya Birla Activ One Max health insurance?
Ans: The premium for Aditya Birla Activ One Max health insurance may vary from one person to another, depending on the age, medical history, city of residence, sum insured, etc. For instance, the premium for a 25-year-old man living in Delhi with no pre-existing condition is ₹764 per month. You can use an Aditya Birla health insurance premium calculator on Policybazaar.com to know the estimated premium for the Activ One Max plan.
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Q3. Is Aditya Birla Activ One Max cashless?
Ans: Yes. The Aditya Birla Activ One Max plan offers cashless hospitalisation benefit, provided the insurance company is informed about the hospitalisation within the stipulated time.
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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.
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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
