Aditya Birla Activ Health Essential Health Insurance
Cashless Approval TAT | 2 hr Cashless Claim Processing |
Claim Settlement Ratio | 96% |
Network Hospitals | 10,500+ |
Pre-existing Disease Coverage Starting From | Day 1 |
Special Benefits | Incentivized Wellness |
Starting Premium for Rs. 5 lakh Coverage | Rs. 270/month |
About Aditya Birla Activ Health Essential Health Insurance
Activ Health Essential Plan is a basic variant of Activ Health Plan offered by Aditya Birla Health Insurance Co. Ltd. This medical insurance policy offers benefits to safeguard your health and deliver rewards at the same time to make you earn. This plan is framed to give every type of support for a journey towards well-being and offers coverage of up to Rs. 10 Lakh. In addition to this, it provides additional value-added benefits and rewards in the form of health returns where up to 30% of annual policy premium is provided as HealthReturns.
The Activ Health Essential Plan can be considered a stepping stone towards a healthier life, Activ Health Essential Plan offers multiple benefits such as ambulance expenses, daycare procedures, annual health check-up and so on. In addition to these, it also offer Day 1 cover for specific chronic illnesses such as high cholesterol, hypertension, diabetes, etc. Moreover, it gives the option to choose a hospital room at the start of the policy tenure. Also, policyholders are given a cumulative bonus with 10% increase of the sum insured is available at every claim-free year, which may go max up to 100%.
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Key Inclusions and Exclusions of the Plan
What's Included
- Road ambulance expenses covered
- Free annual health check-up is given
- Second E-opinion on critical illness is available
- 527 daycare procedures are covered
- Cumulative bonus is offered
What's Not Included
- Weight control programs or procedures
- Treatment taken outside India is not covered
- Medical costs on treatment of AIDS and/or HIV
- Injuries due to wars, riot, strike, nuclear weapons
- Treatment of attempt suicide sane or insane
10849 Aditya Birla Cashless Network Hospitals in India
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Aditya Birla Activ Health Essential Expert Review
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Major Attractions
The Activ Health Essential Plan is framed to deliver every possible cover to its insured members. Although people are required to undergo a medical examination to get covered under this health insurance plan, the policy holds enough in its bucket that makes it worth going through that as well. The policyholder of this plan widely appreciates this plan due to its various attractive benefits and elements. Here are some of the attractive offerings under the policy:
- In-patient hospitalisation coverage
- Pre and post hospitalisation expenses
- Availability of Chronic Management Program
- 527 listed daycare procedures are covered
- Coverage related to road ambulance is offered
- A cover is offered related to domiciliary hospitalisation
- A Health Checkup program is offered once every policy year
- Second opinion option is provided in the case of critical illness
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What’s More?
The Activ Health Essential health insurance plan owns a lot more than its coverage features. In addition to providing essential coverage, the plan offers some beneficial components in terms of discounts and rewards too, with which customers can earn some more benefits. Here are some of those benefits:
- Availability of lifelong renewability option
- Tax benefits can be gained on the amount of premium
- Earn a cumulative bonus of 10%, max up to 100% of the sum insured
- Option to earn up to 30% of the premium amount as HealthReturns
- A discount of 7.5% and 10% is available on the purchase of a policy for 2 and 3 years respectively
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Conclusion
Having gone through these many benefits and offerings, one can easily understand that Activ Health Essential Plan is a perfect choice to opt for while selecting a health insurance plan for an individual or a family. In addition to the offerings, the plan is undoubtedly an excellent product by Aditya Birla health insurance, which is available at a reasonable price and that too, by providing complete customer satisfaction.
To buy an insurance policy online, one needs to find the right platform first. In the insurance sector, there exist several authentic broker organisations that function online. One of the best among them is insurancedekho.com as it provides the best possible services with less or no paperwork. Also, the firm’s team offers after-sale services too, where they assist in the claim settlement process, etc. Therefore, visit the website and grab the perfect plan for yourself and your family at a click.
Claim Process at Aditya Birla Health Insurance
FAQs on Activ Health Essential Health Insurance Plan
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What is the entry age under Activ Health Essential Plan?
The minimum age of entry is 91 days and there is no maximum entry age.
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Who all are allowed to get coverage under this plan?
The family floater plan allows the coverage for up to 9 members (6 Adults+3 children) including self, spouse, dependent parents, dependent parents-in-law, children up to 25 years.
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Is any discount offered under the Activ Health Essential Plan?
You can avail a long term discount of 7.5% and 10% on selecting a 2 and 3 year policy respectively.
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Does any program for chronic illness is allowed under this health insurance policy?
Yes, Activ Health’s Chronic Management Program (CMP) has been specially designed for people with chronic conditions like Diabetes, Asthma, High Cholesterol and High Blood Pressure.