About Aditya Birla ActivOne Maternity Plan
Aditya Birla ActivOne Maternity plan provides maternity coverage for existing pregnant women as well as women planning their pregnancy. It covers medical expenses incurred during childbirth or medically necessary termination of pregnancy. Moreover, this Aditya Birla ActivOne Maternity plan comes with a minimal waiting period of 3 months
Aditya Birla ActivOne Maternity Plan: Key Highlights
| Categories | Specifications |
|---|---|
| Sum Insured | ₹2 lakh to 6 crore |
| Delivery Expenses Limit | ₹50,000 |
| Pre-existing Diseases Waiting Period | 3 years |
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Key Benefits of Aditya Birla ActivOne Maternity Plan
Aditya Birla ActivOne Maternity Plan Inclusions, Exclusions & Optional Cover
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Maternity CoverIt pays a fixed benefit to cover the cost of delivering a newborn baby or medically necessary lawful termination of pregnancy. However, this coverage is available only once in the lifetime of the policy.
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In-patient HospitalizationIt covers the medical expenses incurred during hospitalization of at least 24 hours.
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Pre-hospitalization ExpensesIt pays for the medical expenses incurred before hospitalization for a maximum of 90 days.
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Post-hospitalization ExpensesIt covers the healthcare costs incurred after being discharged from the hospital for up to 180 days.
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Day Care TreatmentsIt pays for the cost of all day care treatments incurred by the insured.
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Home HospitalizationIt covers the cost of availing medical treatment at home.
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Harvesting of Stem CellsHarvesting of Stem Cells
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Ectopic PregnancyIt does not pay for the treatment of an ectopic pregnancy, where the egg grows outside the uterus.
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Voluntary Termination of PregnancyIt excludes medical costs associated with pregnancy termination during the first 12 weeks.
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Sterility and InfertilityIt excludes costs for sterilization or its reversal, along with assisted reproductive treatments like IVF.
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Dietary Substances and SupplementsIt does not cover costs for vitamins, minerals, and other dietary supplements that do not require a doctor’s prescription.
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Super CreditIt increases the sum insured by 100% on every renewal, irrespective of the claim history, for a maximum of 600% of the sum insured.
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Consumables CoverIt pays for the consumables or non-medical expenses incurred during in-patient hospitalization.
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Free Health Check-up BenefitIt covers the cost of availing preventive health check-up facilities to the insured.
Aditya Birla ActivOne Maternity Plan Waiting Periods
| Categories | Waiting Period |
|---|---|
| Maternity Cover Waiting Period | 3 months |
| Pre-existing Diseases Waiting Period | 3 years |
| Initial Waiting Period | 30 days |
| Specific Illness Waiting Period | 2 years |
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 ActivOne Maternity Plan: FAQs
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Q: Does Aditya Birla insurance cover pregnancy?
Ans: Yes. The Aditya Birla ActivOne Maternity plan covers the medical expenses incurred during pregnancy and childbirth.
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Q: Can I buy maternity insurance if I am already pregnant?
Ans: Yes. You can buy the Aditya Birla ActivOne Maternity plan if you are already pregnant.
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Q: What is the minimum waiting period for maternity insurance?
Ans: The Aditya Birla ActivOne Maternity plan comes with a minimal waiting period of 3 months.
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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
