Aditya Birla Activ One Plan

The following medical expenses are excluded under the Aditya Birla Activ One plan:

1. Maternity Expenses

   It does not cover any maternity expenses resulting from pregnancy or childbirth.
2. Treatments for Injuries due to Hazardous or Adventure Sports

   It does not pay for the treatment of injuries due to participation in hazardous or adventure sports.
3. Sterility and Infertility

   It does not cover the medical expenses incurred on the treatment of sterility and infertility.
4. Treatment for Alcoholism, Drug or Substance Abuse

   It does not pay for the treatment cost of alcohol addiction and drug or substance abuse.
5. Suicide or Attempt to Commit Suicide

   It does not cover the medical expenses resulting from suicide or an attempt to commit suicide.
6. Treatments Taken Outside India

   It does not pay for the treatments availed outside India.
7. Prosthesis and Devices

   It does not cover the cost of prostheses and devices like hearing aids, wheelchairs, crutches, etc.
8. Dietary Supplements and Substances

   It does not pay for the dietary supplements and substances available without a prescription.
9. Unproven Treatments

   It does not cover the cost of unproven treatments, services or supplies related to a treatment.

Optional Cover of Aditya Birla Activ One Plan may differ from one plan to another. Some of the inclusions that are common under all the policies are given below:

1. Reduction in Specific Disease

   Waiting Period It reduces the waiting period for specific diseases from 2 years to 1 year.
2. Reduction in Pre-Existing Disease Waiting Period

   It reduces the waiting period for pre-existing diseases to 3 years, 2 years and 1 year, depending on the plan variant.
3. Room Rent Type Options

   It allows the policyholder to modify the eligible hospital room category to a single private room or a shared accommodation.
4. Per Claim Deductible

   It enables the policyholder to opt for a voluntary deductible that will apply to all claims.
5. Preferred Provider Network (PPN) Discount

   It provides a premium discount of 10% if the insured chooses to avail treatments only at a PPN hospital.
6. Critical Illness Cover

   It pays a lump sum amount equivalent to the sum insured on the first diagnosis of a listed critical illness.
7. Personal Accident Cover

   It pays a lump sum amount in case of accidental death, permanent total and partial disability of the insured.
8. Compassionate Visit

   It covers the cost of two-way travel tickets of an immediate family member in case the insured is hospitalized in another city for more than 10 days.
9. Second Medical Opinion for Listed Major Illness

   It pays for the medical expenses incurred on availing a second medical opinion for any listed major illnesses.
10. Annual Screening Package for Cancer Diagnosed Patients

    It covers the cost of an annual screening package availed by cancer diagnosed patients.
11. Chronic Care

    It covers the hospitalization expenses arising out of 7 listed chronic conditions, including high BP and diabetes, from day 1 of the policy. (Not available under the VYTL plan variant)
12. Chronic Management Program (OPD)

    It pays for OPD consultations and diagnostic tests conducted for any pre-existing listed chronic diseases. (Not available under the VYTL plan variant)
13. Cancer Booster

    It pays an additional amount to the policyholder to pay for the hospitalization expenses resulting from cancer. (Not available under the VYTL plan variant)
14. Durable Equipment Cover

    It covers the cost of buying or renting durable medical equipment, such as a wheelchair, ventilator, etc., on the doctor’s recommendation. (Not available under the VYTL plan variant)
15. Chronic Care Restriction

    It prevents the insured from getting day 1 coverage on the diagnosis of listed chronic diseases under the Chronic Care benefit. (Not available under MAX and NXT plan variants)
16. Claim Protect Benefit

    It covers the cost of non-medical expenses incurred by the insured during hospitalization, including mask, gloves, etc. (Not available under MAX and VYTL plan variants)
17. Super Credit

    It increases the sum insured amount by a fixed percentage during renewals, regardless of any claims raised in the previous policy year. (Not available under MAX and VYTL plan variants)
18. Annual Health Check-up

    It pays for the cost of availing a comprehensive health check-up once a year at a network provider of the insurance company. (Not available under MAX and VYTL plan variants)