Aditya Birla Activ Care Health Insurance

Aditya Birla Activ Care Health Insurance is like having a friend to support you in your later years. It's a special kind of health insurance that steps in to help with your medical bills. Whether you're at the hospital or getting treated at home, this plan has got your back. It even covers things like air ambulances in emergencies and health assessments.

You can choose from three different plans: Standard, Classic, and Premier. Each plan offers different levels of coverage, and you can pick the one that suits you best - from Rs. 3 Lakh to Rs. 25 Lakh.

No matter which plan you go for, you need not worry about room rent or ICU room rent limits. The coverage details depend on the plan you choose. Moreover, you can get this health insurance plan for two years, and there are discounts available to make the premiums more affordable.

Aditya Birla Activ Care Health Insurance At a Glance

Riders Available With Aditya Birla Activ Care Health Insurance

Mentioned below are the riders or add-ons available with Aditya Birla Activ Care Health Insurance plan:

• Nursing at Home Cover: This covers the cost of hiring a nurse to take care of you at home. You get a fixed benefit of up to INR 1500 per day for a maximum of 15 days.
• Lifestyle Support Equipment: If you need special equipment to live your life the way you want, this plan has you covered. It gives you a benefit to help you buy the equipment you need.
• Portable Medical Equipment Cover: Need portable medical equipment? This add-on has you covered. It helps you buy things like oxygen cylinders and ventilators by providing a benefit of up to a certain amount.
• Advanced Health Check-up Cover: The company takes care of advanced health check-ups for you every policy year. It's like a thorough check-up to make sure you're in the best health possible.
• Room Upgrade: This add-on lets you upgrade your hospital room. If you want a more comfortable space during your hospital stay, this add-on allows you to do just that.

Key Features of Aditya Birla Activ Care Health Insurance Plan

Following are the critical features of Aditya Birla Activ Care plan:

• Plan for Seniors: This health insurance is designed for people aged 55 to 80, making sure they have coverage tailored to their needs in their golden years.
• Family and Individual Options: The plan offers two options i.e. Individual and Family Floater. If you go for the family floater, it covers you and your spouse.
• Choose Your Variant: Pick the plan that suits you best with three options: Standard, Classic, or Premier. Each variant offers different levels of coverage.
• Extensive Day-Care Procedures: With 586 day-care procedures covered, you can rest easy knowing even minor treatments are taken care of with Aditya Birla Activ Care plan.
• COVID-19 Coverage: Hospitalisation due to COVID-19 is included, so your health and peace of mind are protected.
• Reload for Unrelated Treatments: Every year, you get a reload of the sum insured for claims unrelated to your previous treatment. It's like a fresh start.
• No Claim Bonus: Stay claim-free, and you'll enjoy a 10% bonus on your sum insured every year. It’s like a reward for staying healthy.
• Emergency Assistance Anywhere: Whether you're at home or abroad, the plan offers International/Domestic Emergency Assistance Services.
• Second Opinion on Major Illnesses: For major illnesses, you can get a second e-opinion, ensuring you make informed decisions about your health.

Eligibility Criteria of Aditya Birla Activ Care Health Insurance Plan

The eligibility criteria for Aditya Birla Activ Care plan are as follows:

Variants of Aditya Birla Activ Care Health Insurance Policy

The three different variants of Aditya Birla Activ Care policy are as follows:

Benefits of Aditya Birla Activ Care Health Insurance Plan

The benefits of this health insurance plan are as follows:

• Choice of Accommodation: With Aditya Birla Activ Care plan, you have the flexibility to choose between sharing a room or having a single private room. While you can pick a single room, keep in mind that if you want something a bit fancier, you might need to cover a portion of the bill.
• Quick Coverage for Pre-Existing Conditions: If you're dealing with conditions like diabetes or heart issues, the plan covers all related costs after just 2 years. It's a great deal for peace of mind.
• Restoration Benefit: Even if you've claimed part of the cover once, the plan restores 100% coverage if you're hospitalised again for a different issue in the same year. It's like having a safety net for unexpected health complications.
• Free Annual Health Checkups: Another benefit of having this health insurance plan is that you get free annual health checkups. This helps you ensure that you're in top-notch condition and it’s a proactive way to stay healthy.
• Covered Doctor Consultations: The plan covers the costs of doctor consultations, up to Rs. 2,500 annually. It's like having your health expenses taken care of when you need it.

Inclusions of Aditya Birla Activ Care Health Insurance Plan

Listed below are the inclusions of Aditya Birla Activ Care policy:

• In-patient Hospitalisation: When you stay in the hospital for more than 24 hours, the plan takes care of expenses like the doctor's fee, room rent, medicines, ICU and OT charges, depending on your policy.
• Pre and Post-hospitalisation: Whether it's the days leading up to your hospital stay or the days after, the Aditya Birla Activ Care Plan covers various expenses during these times.
• Day-care Procedures: For treatments that don't require more than 24 hours of hospitalisation, the plan covers 586 of these day-care procedures.
• Organ Donation: Under the Classic and Premier plans, the insurance covers organ transplants and the expenses related to organ donation for harvesting.
• Domiciliary Treatment: If you need treatment at home instead of going to the hospital, the plan covers the expenses for prescribed medical treatment.
• AYUSH Benefits: The Classic and Premier plan covers medical expenses related to AYUSH treatment.
• Ambulance Charges: In case of an emergency, if you need an ambulance to get to the hospital, the plan covers the ambulance charges.
• Yearly Health Check-ups: Once a year, if you choose a sum insured over Rs. 5 lakhs under the Classic and Premier plan, each insured member gets a comprehensive health check-up.

Exclusions of Aditya Birla Activ Care Health Insurance Plan

Following are the exclusions of Aditya Birla Activ Care Health Insurance plan:

• Hearing Aids, Spectacles, or Contact Lenses Including Optometric Therapy: The insurance plan does not cover the cost of hearing aids, spectacles, contact lenses, or optometric therapy.
• Treatment for Baldness, Alopecia, Wigs, Toupees, and Similar Treatments: Expenses related to baldness, alopecia, wigs, hairpieces, and similar procedures are not covered.
• Cosmetic, Aesthetic & Re-shaping Treatments and Surgeries: The plan excludes coverage for cosmetic, aesthetic, and re-shaping treatments or surgeries.
• Any Illness/Injury/Accident Due to Abuse of Intoxicants: Injuries, illnesses, or accidents resulting from the abuse of intoxicants are not covered by the insurance.
• Breach of Law with Criminal Intent, Intentional Self Injury: Any injuries or incidents related to the intentional breach of law with criminal intent or self-inflicted injuries are excluded.
• War, Act of Foreign Enemy, Uprising, Revolution, Insurrection, Militant or Usurped Acts: The insurance plan does not provide coverage for events such as war, acts of foreign enemies, uprisings, revolutions, insurrections, militant activities, or usurped acts.

Documents Needed for Aditya Birla Activ Care Health Insurance

To get the Aditya Birla Activ Care Insurance Plan, you'll need to provide the following documents:

• A filled-out Application Form.
• Proof of identity (Aadhar card, Passport, Voter ID, or Driver's license).
• Proof of your age (Birth Certificate, School Leaving Certificate, or Passport).
• Proof of address (Utility Bills, Rental Agreement, or Aadhar Card).
• Passport-sized Photographs.
• In some cases, pre-policy health check-up reports.
• Any other documents requested by the insurance company.

How to Buy Aditya Birla Activ Care Health Insurance Plan?

Getting the Aditya Birla Activ Care Health Insurance Plan through InsuranceDekho is simple. Follow these steps:

Step 1: Go to the InsuranceDekho website, and click on "Health Insurance" in the Insurance section.

Step 2: Choose "Aditya Birla Health Insurance" from the list of Health Insurance Companies.

Step 3: Select the "Activ Care" plan from the available options.

Step 4: Review the terms and conditions in the Activ Care policy document.

Step 5: Upload all necessary documents to complete the KYC process.

Step 6: After KYC, make the premium payment online.

Step 7: Receive the policy document in your email.

Claim Process for Aditya Birla Activ Care Health Insurance Plan

You can claim the Aditya Birla Activ Care Health Insurance Plan in two ways:

Cashless Claim

• Visit a hospital affiliated with Aditya Birla Health Insurance.
• Provide your Aditya Birla plan details and necessary information.
• Submit the required documents, and the insurance company will approve the expenses.
• The insurance company will directly pay the hospital after reviewing the claim.

Reimbursement Claim

• Choose a nearby hospital in the Aditya Birla Insurance network.
• Pay your medical bills at the hospital.
• Request a reimbursement claim on the insurance company's website.
• Submit the Aditya Birla claim form and all plan-related information.
• After the insurance company checks your claim, they will reimburse you for the medical expenses.