About Aditya Birla Activ One Plan
Aditya Birla Activ One is a unique health insurance plan that offers day 1 coverage for 7 chronic conditions, including high blood pressure, diabetes and asthma. It provides comprehensive coverage for hospitalization expenses, mental illness, home health care, HIV/ AIDS, STDs and obesity, along with an OPD chronic management program.
Aditya Birla Activ One Plan: Key Highlights
| Categories | Specifications |
|---|---|
| Sum Insured | Rs 2 lakh to Rs 6 crore |
| Plan Types | NXT, MAX and VYTL |
| Pre-existing Diseases Waiting Period | 3 years |
| Discount | 10% PPN discount* |
| Co-Payment | 10% on availing treatments at non-PPN hospitals* |
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Key Benefits of Aditya Birla Activ One Plan
Aditya Birla Activ One Plan: Inclusions, Exclusions & Optional Cover
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In-patient TreatmentIt covers the cost of being admitted to a hospital, including room rent, medicines, nursing expenses, etc.
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Road Ambulance CoverIt pays for the medical expenses incurred by availing road ambulance services to travel to or from a hospital.
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Day Care TreatmentsIt covers all day care treatments that require hospitalization of less than 24 hours.
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Modern Procedures/ TreatmentsIt pays for 12 modern treatments and procedures, including vaporization of the prostate, oral chemotherapy, etc.
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HIV/AIDS and STD CoverIt covers the medical expenses incurred on the treatment of HIV AIDS and STDs.
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Mental Illness HospitalizationIt pays for the cost of hospitalization resulting from the treatment of a mental illness.
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Maternity ExpensesIt does not cover any maternity expenses resulting from pregnancy or childbirth.
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Treatments for Injuries due to Hazardous or Adventure SportsIt does not pay for the treatment of injuries due to participation in hazardous or adventure sports.
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Sterility and InfertilityIt does not cover the medical expenses incurred on the treatment of sterility and infertility.
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Treatment for Alcoholism, Drug or Substance AbuseIt does not pay for the treatment cost of alcohol addiction and drug or substance abuse.
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Suicide or Attempt to Commit SuicideIt does not cover the medical expenses resulting from suicide or an attempt to commit suicide.
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Treatments Taken Outside IndiaIt does not pay for the treatments availed outside India.
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Reduction in Specific DiseaseWaiting Period It reduces the waiting period for specific diseases from 2 years to 1 year.
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Reduction in Pre-Existing Disease Waiting PeriodIt reduces the waiting period for pre-existing diseases to 3 years, 2 years and 1 year, depending on the plan variant.
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Room Rent Type OptionsIt allows the policyholder to modify the eligible hospital room category to a single private room or a shared accommodation.
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Per Claim DeductibleIt enables the policyholder to opt for a voluntary deductible that will apply to all claims.
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Preferred Provider Network (PPN) DiscountIt provides a premium discount of 10% if the insured chooses to avail treatments only at a PPN hospital.
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Critical Illness CoverIt pays a lump sum amount equivalent to the sum insured on the first diagnosis of a listed critical illness.
Aditya Birla Activ One Plan Waiting Periods
| Categories | Waiting Periods |
|---|---|
| Initial Waiting Period | 30 days |
| Specific Illness Waiting Period | 2 years |
| Pre-existing Diseases Waiting Period | 3 years |
| Critical Illness Disease Waiting Period | 60 days |
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 Plan: FAQs
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Q. Does Aditya Birla Activ One cover dental treatments?
Ans: The Aditya Birla Activ One plan covers in-patient dental treatments medically necessitated due to an injury or illness.
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Q. How can I check the Aditya Birla Activ One plan price before buying?
Ans: You can check the Aditya Birla Activ One plan cost by using a health insurance premium calculator before buying. The calculator is available on Policybazaar.com free of cost.
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Q. Does Aditya Birla Activ One cover plastic surgery?
Ans: The Aditya Birla Activ One plan covers the cost of plastic surgery if required due to an injury or an illness.
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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.
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.
- Inform the insurance company about the hospitalization
- In case of planned hospitalization, notify the insurer before hospital admission.
- Receive medical treatment
- At the time of discharge, pay the entire hospital bill in full.
- Collect all the medical documents, bills and payment receipts
Our Claim specialists in below cities will reach your hospital or home in 30 minutes to support your health insurance claim
