Aditya Birla Activ One Plan

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      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. The plan also comes with attractive benefits, such as a 100% HealthReturns benefit, claim protect benefit, super credit benefit, super reload benefit, etc.

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      Aditya Birla Activ One Plan: Key Highlights

      Categories Specifications
      Sum Insured Rs 2 lakh to Rs 6 crore
      Policy Tenure 1 year, 2 years, 3 years
      Plan Types NXT, MAX and VYTL
      Network Hospitals 11000+
      Incurred Claim Ratio (2021-22) 69.56%
      Pre-Policy Medical Check-ups May be required
      Pre-existing Diseases Waiting Period 3 years/ 4 years
      Discount 10% PPN discount*
      Co-Payment 10% on availing treatments at non-PPN hospitals*

      *In the case of 'PPN Discount' optional cover only

      Benefits of Aditya Birla Activ One Plan

      Take a look at the key benefits of purchasing an Aditya Birla Activ One plan:

      1. Day 1 Coverage for 7 Chronic Diseases

        This Aditya Birla health insurance policy offers coverage for 7 chronic diseases from day 1 of the policy under the Chronic Care benefit. These chronic diseases include diabetes, obesity, high blood pressure, Coronary Artery Disease (CAD), asthma, high cholesterol and chronic obstructive pulmonary disease.

      2. 100% Discount on Renewal Premiums

        Policyholders can avail a 100% health insurance discount on renewal premiums by achieving a healthy heart score and at least 325 active days in a year under the HealthReturns benefit.

      3. Super Reload

        With the Super Reload benefit, the insured can restore the sum insured amount by 100% unlimited times a year if the original amount gets exhausted due to one or more claims.

      4. Annual Health Check-up

        This health insurance policy comes with a comprehensive health check-up benefit that can be availed by the insured once a year at a network provider of the Aditya Birla Health Insurance Company.

        People also read: Annual Health Check-ups in Health Insurance: All You Need to Know

      5. Super Credit

        With the Super Credit benefit, policyholders can increase their sum insured amount by a fixed percentage during renewals, even if a claim was raised in the previous policy year.

      6. No Sub-Limits

        Unlike most health insurance plans, the Aditya Birla Activ One plan does not have sub-limits on hospitalization expenses, procedures and benefits, allowing policyholders to claim up to the sum insured amount.

      7. Health Management Programv

        Policyholders can avail the benefits of an in-built health management program that includes the digital health assessment, physical health assessment and HealthReturns benefit.

      8. Tax Benefits

        Under Section 80D of the Income Tax Act, the insured can avail tax benefits on the premium paid to buy the Aditya Birla Activ One policy.

      Aditya Birla Activ One Plan Eligibility Criteria

      Check out the eligibility criteria to buy an Aditya Birla Activ One plan:

      Parameters Eligibility Criteria
      Minimum Entry Age Adult 18 years
      Child 91 days
      Maximum Entry Age Adult No age limit
      Child 25 years
      Coverage Type Individual/ Family Floater
      Renewability Lifetime

      Inclusions of Aditya Birla Activ One Plan

      The Aditya Birla Activ One plan includes the following coverage:

      • In-patient Treatment It covers the cost of being admitted to a hospital, including room rent, medicines, nursing expenses, etc.
      • Road Ambulance Cover It pays for the medical expenses incurred by availing road ambulance services to travel to or from a hospital.
      • Day Care Treatments It covers all day care treatments that require hospitalization of less than 24 hours.
      • Modern Procedures/ Treatments It pays for 12 modern treatments and procedures, including vaporization of the prostate, oral chemotherapy, etc.
      • HIV/AIDS and STD Cover It covers the medical expenses incurred on the treatment of HIV AIDS and STDs.
      • Mental Illness Hospitalization It pays for the cost of hospitalization resulting from the treatment of a mental illness.
      • Obesity Treatment It covers the medical expenses incurred on the treatment for obesity or bariatric surgery.
      • Pre-Hospitalization Expenses It pays for the medical expenses incurred up to 90 days before hospitalization.
      • Post-Hospitalization Expenses It covers the medical expenses incurred for up to 180 days after being discharged from the hospital.
      • Domiciliary Hospitalization It pays for domiciliary hospitalization of at least 3 days in case a hospital admission is not possible.
      • Home Health Care It covers the cost of taking medical treatments at home on the advice of a qualified doctor.
      • AYUSH Treatment It pays for the in-patient hospitalization costs incurred on availing treatment through the AYUSH systems of medicines.
      • Organ Donor Expenses It covers the cost of harvesting the donated organ for the transplant surgery of the insured.
      • Claim Protect It pays for the cost of non-medical expenses incurred during in-patient hospitalization, such as oxygen cylinder, gloves, mask, crepe bandages, etc. (Not available under the NXT plan variant)
      • Chronic Care Benefit It covers the hospitalization expenses incurred on the treatment of 7 chronic diseases from day 1, including diabetes, high blood pressure, obesity and coronary artery disease. (Not available under NXT and MAX plan variants)
      • Chronic Management Program (OPD) It pays for the cost of availing OPD consultations and diagnostic tests for any pre-existing listed chronic diseases. (Not available under NXT and MAX plan variants)

      Optional Covers:

      • Reduction in Specific Disease Waiting Period It reduces the waiting period for specific diseases from 2 years to 1 year.
      • 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.
      • Room Rent Type Options It allows the policyholder to modify the eligible hospital room category to a single private room or a shared accommodation.
      • Per Claim Deductible It enables the policyholder to opt for a voluntary deductible that will apply to all claims.
      • Preferred Provider Network (PPN) Discount It provides a premium discount of 10% if the insured chooses to avail treatments only at a PPN hospital.
      • Critical Illness Cover It pays a lump sum amount equivalent to the sum insured on the first diagnosis of a listed critical illness.
      • Personal Accident Cover It pays a lump sum amount in case of accidental death, permanent total and partial disability of the insured.
      • 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.
      • 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.
      • Annual Screening Package for Cancer Diagnosed Patients It covers the cost of an annual screening package availed by cancer diagnosed patients.
      • 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)
      • 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)
      • 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)
      • 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)
      • 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)
      • 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)
      • 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)
      • 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)

      Exclusions of Aditya Birla Activ One Plan

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

      • Maternity expenses
      • Treatments for injuries due to participation in adventure or hazardous sports
      • Sterility and infertility
      • Treatment for alcoholism, drug or substance abuse
      • Suicide or an attempt to commit suicide
      • Treatments taken outside India
      • Prosthesis and devices
      • Dietary supplements and substances
      • Unproven treatments

      Aditya Birla Activ One Plan Waiting Periods

      Take a look at the waiting periods applicable to the Aditya Birla Activ One plan:

      Category Waiting Period
      Initial Waiting Period 30 days
      Specific Illness Waiting Period 2 years
      Pre-existing Disease Waiting Period 3 years/ 4 years
      Critical Illness Disease Waiting Period 60 days

      FAQs

      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881. Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. As per the Insurance guidelines, you are allowed to cancel the policy with-in 15 days from the date of Issuance of policy. For more details, please read the Plan Brochure carefully or talk to our advisor at the time of purchase.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker (Life & General)| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

      Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

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