Aditya Birla Health Insurance for Senior Citizen

The Aditya Birla Health Insurance has brought a comprehensive policy for senior citizens with Activ Care plan. This plan doesn’t just provide the coverage for accidents or diseases instead it tries to look after the overall health of old people. In addition to all these, the insured individual needs to go through a fitness assessment test and accordingly can win Health Return on the basis of their healthy heart score. The Health Returns can be utilized during the payment of the premium at the time of policy renewal.

Key Features

• Coverage for pre and post hospitalisation expenses
• Sum insured up to Rs. 25 Lakh is available under the plan
• In-patient mental health cover is provided under the plan
• In-patient hospitalisation for Ayush treatment is available
• International Emergency Assistance Services including air ambulance
• Comprehensive health check-up is covered under the insurance plan
• A health coaching session for nutritional, medical and wellness counselling
• Range of optional covers like PPN discount and room upgrade is available

Scope of Coverage

• 586 daycare procedures are covered under the plan
• Up to 100% reloading of the sum insured is allowed once a year
• No claim bonus of 10% sum insured for every claim-free year
• Availability of cashless treatment at home for listed diseases
• Availability of second e-opinion is provided for major illnesses
• Coverage for life support and portable medical equipment is available
• Discounts available on pharmacy, diagnostics, OPD consultations, etc.
• Up to 21% of health returns can be earned on the basis of health assessments

Eligibility

As the plan is for senior citizens, the minimum entry age under the policy is 60 years and the plan comes with lifelong renewability option.

Exclusions

• Treatment of the injuries occurred due to self-inflicting acts
• Expenses of treatments subject to congenital diseases and so on
• Procedures for injuries suffered due to civil war, invasions, riots, etc.
• Any sort of cosmetic surgery provided suggested by a doctor
• Medication or procedure for mental disorder or illness or so on

If you have any doubt or query related to the product description or exclusions refer to policy wording or brochure. Also, you can get in touch with our customer care executives at - 1800-1205-698.