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Aditya Birla Activ Health Essential Health Insurance

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Aditya Birla Health Insurance
Activ Health Essential
Cashless Approval TAT2 hr Cashless Claim Processing
Claim Settlement Ratio96%
Network Hospitals10,500+
Pre-existing Disease Coverage Starting FromDay 1
Special BenefitsIncentivized Wellness
Starting Premium for Rs. 5 lakh CoverageRs. 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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Disclaimer : Actual Premium might vary basis your location, age and number of members
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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

Choose Aditya Birla Health Insurance Critical Illness Plan

Activ Health Essential User Reviews

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What users are saying
  • All
  • Instructions on policy purchas...

    I got instructions on how to choose the best insurance policy and how to purchase a befitting policy while perusing insurancedekho. The instructions seemed feasible thanks to the lucid language. Following the instructions, I bought Aditya Birla Health Insurance’s Activ Health Essential plan.

    P
    By Pintu Vaidya
    On: Feb 17, 2021
  • Information on reimbursement c...

    I came to InsuranceDekho to understand what the benefits of reimbursement claim are and how to apply. The information on the website was detailed and the steps were clearly mentioned. It helped me to make a reimbursement claim later on the website for my Aditya Birla Health Insurance’s Activ Health Essential plan.

    R
    By Richa Sharma
    On: Feb 09, 2021
  • Learned how to make claims

    Before purchasing the Aditya Birla Health Insurance’s Activ Health Essential plan, I wanted to know in detail about how to make a claim. I could find the details with a single click on the ‘Claim Settlement’ segment on the website of InsuranceDekho.

    T
    By Tridha Roy
    On: Jan 29, 2021
  • Fast online pay

    Paying online for my Aditya Birla Health Insurance’s Activ Health Essential plan using InsuranceDekho was fast and seamless. I paid the premium by giving my debit card details. It was successful within a few seconds. Could not ask for a better service.

    L
    By Lakshman Pandey
    On: Jan 28, 2021
  • Simple policy issuance

    I landed on InsuranceDekho looking for a suitable health insurance policy for my family. I generated my quotes by simply giving personal details. I compared the premium and found Aditya Birla Health Insurance’s Activ Health Essential plan. I finalised the plan and paid. Super simple procedure.

    A
    By Aditi Malhotra
    On: Jan 19, 2021

Aditya Birla Activ Health Essential Expert Review

  • Expert Review

    Health insurance plans are essential elements for everyone. It doesn’t just assist in coping up with the rising medical expenses, but increase the savings of policyholders by offering tax benefits as well. Activ Health Essential Plan by Aditya Birla Health Insurance is designed to let people achieve the state of well-being and move towards a healthier life. This health insurance policy tends to focus on delivering overall healthcare to each and every customer by offering a wide array of benefits.

    Be it an individual or a family, Activ Health Essential Plan caters every sort of segments. Under the family floater plan, up to 9 members can be covered comprising of 6 adults and 3 children. People from the age of 91 days and above can avail Activ Health Essential Plan as there exists no maximum age of entry. These features open up this plan for the people of different age. Besides delivering so many offerings, the plan also provides the policyholders with a cumulative bonus where 10% of the sum insured is increased at every claim-free year, which may go max up to 100%. 

  • 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 
  • 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

     

  • 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.

Aditya Birla Activ Health Essential Brochure

  • 1.97 MB
  • PDF Document
  • Oct 04, 2019

Claim Process at Aditya Birla Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 48 hours and for planned hospitalisation intimate within 3 days prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 48 hours and for planned hospitalisation intimate within 3 days prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Activ Health Essential Health Insurance Plan

  • What is the amount of sum insured available under this policy?

    The sum insured under this policy ranges from Rs. 50000 to Rs. 10 Lakh.   

  • 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.

  • 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. 

  • 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.

  • 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.

  • Is there any option available for Second E-Opinion on Critical Illness?

    Yes, the option of Second E-Opinion on Critical Illness is available under this plan. 

  • Does Activ Health Essential Plan provide any option related to health check-up?

    Yes, under this plan a health check-up program is available once every policy year, starting from the first year. 

  • How can I get rewarded with the HealthReturns?

    The Activ Health Essential Plan has an arrangement of assessing the customer's health on different parameters and on that basis, they give their respective credit scores and according to which an active day is counted. However, you can earn up to 30% of your premium as HealthReturns by just completing 13 Active Days per month and up to 6% of your premium as HealthReturns by just completing 4 Active Days per month. 

  • Can I get my sum insured amount enhanced under the Activ Health Essential Plan?

    Yes, the plan offers its policyholders a cumulative bonus with 10% increase of Sum Insured at every claim-free year, which may go max up to 100%. 

  • Is there any possibility of any up-gradation under this Activ Health Essential Plan?

    Yes, if any customer develops a chronic condition after buying the policy, he or she will be upgraded to the program without paying any additional premium.

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