Aditya Birla Health Insurance

Activ Health Essential

Activ Health Essential is a well-designed program which allows insured to earn up to 30 % of the policy premium as health returns.

Benefits and features

• Offers comprehensive coverage and also rewarded for maintaining good health.
• No maximum age limit whereas the minimum age is 91 days.
• The floater health insurance plan covers up to 9 members of the family (6 adults & 3 children only).
• Under 25 years will be covered under the plan as dependents.
• Offer protection with a sum insured up to Rs.2 crore.
• Policyholders with sum assured of Rs.7 lakh and above are offered to choose room category.
• Recovery benefit for various ancillary expenses such as travelling expenses, fees etc.
• Offers worldwide emergency assistance services.
• Mandatory copayment of 20%.
• The bonus of 10% of the total sum insured for every claim-free year (maximum accumulation of 100 % of the sum assured).
• Cover for pre and post-hospitalisation medical expenses upto 30 and 60 days respectively.
• Transportation costs such as ambulance is totally covered by a network provider.

Activ Assure Diamond

Activ Assure Diamond plan is designed to protect the insured and his/her family from all the expenses associated with any medical treatment.

Benefits and Features

• Offers 150% of the sum insured for a subsequent claim due to an unrelated illness (maximum Rs.50 lakhs).
• Covers international emergency assistance services such as air ambulance along with the domestic.
• Hospitalisation (24+ hours) along with cover for room rent, doctors fees, operation theatre expenses, drugs, medicines and other charges.
• Home care treatment
• Organ transplant of the policyholder along with the expenses of the organ donor.
• Daily allowance of Rs. 500 in case of hospitalisation. Availed only if the sum insured is high and maximum limit of 5 days from the hospitalisation date.
• Offers a personal coach a medical expert helps in dealing with diseases like asthma, hypertension or diabetes mellitus.

Activ Secure Personal Accident

Activ secure personal accident by Aditya Birla Health Insurance is designed to protect you from such mishaps on roads

• Minimum age at entry is 5 years and the maximum is 65 years.
• Basic covers such as permanent total disablement, permanent partial disablement and partially disabled due to an accident.
• Education benefit in which 10% of the sum assured is for the surviving and education of dependent children.
• Orphan benefit in which 10% of the sum assured is for dependent children if parents pass away due to an accident.
• Optional cover such as overseas emergency assistance service up to Rs.1,000, temporary total disablement, wellness coach etc.

Activ Secure - Critical Illness

With Activ secure critical illness plan, the policyholder gets protection from 64 critical illness and secured expenses that turns out to be a great help.

With the Activ secure – critical illness plan, the policyholder gets protection from 64 critical illness and secured expenses that turns out to be a great help.

Features of critical illness plans –

There are three critical in this plan from which one can choose flexibility as per requirement.

• Plan 1 - Covers cancer, heart attack kidney failure are covered.
• Plan 2 - Covers brain surgery, beginning state of brain tumour, tuberculosis including those covered under plan one.
• Plan 3 - Covers procedures like peacemaker ascertain, etc.
• Offers tax benefit under section 80 D of the income tax act.

Activ Secure - Hospital Cash

• Under Activ Secure – Hospital Cash the cost apart from the hospitalisation treatment that costs (heavy or light) to the pocket of the policyholder is covered.
• Attendant expenses, loss of income and travelling expenses.
• Daily allowance for each day he/she spent in the hospital. This allowance is respective of the hospital bills.
• It covers double cash allowance for hospitalisation and intensive care unit.
• It offers benefit in case of hospitalisation exchange for more than 7 days.
• Benefit equal to daily cash benefit is paid for the parental accommodation if an insured of or below 12 years old has been hospitalised for more than 72 hours.

Activ Secure - Cancer Secure

The Activ Secure cancer secure is a smart health insurance plan which is specifically and uniquely designed to offer financial protection against cancer treatment.

• All three stages of cancer are covered viz. early stage, major stage and advanced stage.
• Different payouts to deal with different stages of cancer.
• 50% payout of the sum insured for early-stage, 100% for major stage and 150% for the advanced stage of cancer.
• 7 day survival period is required from the date of diagnosis.
• The premium amount is free of tax under section 80 D of the Income Tax Act.