Aditya Birla Activ Health Essential Plan

(45 Reviews)
Insurer Highlights

People trust Policybazaar^
7.7 crore
Registered consumers
50
Insurance partners
4.2 crore
Policies sold
Policybazaar is one of India's leading digital insurance platform
0%
Find affordable plans from Aditya Birla

Select members you want to insure

  • More Members
  • Back
    Continue
    By clicking on “Continue”, you agree to our Privacy Policy and Terms of use
    Maximum child sum can be 4
    This will help us calculate the premium & discounts for your family
    Previous step
    Continue
    This will help us to find the network of Cashless Hospitals in your city

      Popular Cities

      Previous step
      Continue
      Get to plans directly next time you visit us
      Please provide your active international number
      Previous step
      Continue
      We will find you the plans that cover your condition.

      Do any member(s) have any existing illnesses for which they take regular medication?

      Get updates on WhatsApp

      Previous step

      When did you recover from Covid-19?

      Some plans are available only after a certain time

      Previous step

      Aditya Birla Activ Health Essential Plan

      For quality healthcare throughout life, an effective health plan becomes a necessity. The Aditya Birla Activ Health Essential is one of the health insurance policies from the house of Aditya Birla Health Insurance Co. Ltd. that offers robust health coverage, including hospitalization expenses for COVID-19.

      Read More

      Aditya Birla Activ Health Essential: Key Highlights

      Plan Type

      Individual/Floater

      Sum Insured

      Rs 50,000- 10 lakh

      Policy Tenure

      1, 2, 3 years

      Day Care Procedure cover

      527

      Chronic Disease Cover

      From day 1

      Eligibility Criteria

      The minimum eligibility conditions to fulfil to buy this policy are:

      Minimum Entry Age

      91 days

      Maximum Entry Age

      No limit

      Number of people covered

      9 members: 6 Adults + 3 children; Individual, spouse, dependent parents, dependent parents-in-law, children up to 25 years old

      Residential Status

      Indian Citizens and Permanent Residents

       Coverage Offered

      One can buy an Aditya Birla Activ Health Essential Insurance Policy plan, which offers a sum insured from Rs 50,000 up to Rs 10 lakh with an Individual plan or a Family floater with a policy term from 1-3 years.

      The following basic coverage is offered under the Aditya Birla Activ Health Essential plan:

      • Inpatient Hospitalization - All expenses such as room rent, doctor's fee, medicine, etc., are covered as per the policy. One can also choose the hospital room category from economy to a single private room.
      • Pre-hospitalization Medical Expenses - Medical expenses incurred up to 30 days before hospitalization are covered as per the policy.
      • Post- hospitalization Medical Expenses-  Up to 60 days, post-hospitalization medical expenses are covered as per the policy.
      • Daycare treatment- A daycare hospitalization is covered for the treatments that do not require a 24-hour hospitalization up to 527 procedures.
      • Domiciliary Hospitalization- If one cannot be admitted to the hospital, medical expenses during a home treatment are covered.
      • Road Ambulance Cover- Ambulance charges incurred during an emergency are reimbursed fully if availed from network providers and up to Rs 2,000 per hospitalization if availed of from non-network providers.

      Aditya Birla Activ Health Essential plan: Inclusions

      Apart from the basic coverage, the following benefits are included in the Aditya Birla Activ Health Essential plan:

      • Cumulative Bonus for every policy year that is free from claims
      • Free annual Health Check-up Program, customized as per the individual's age.
      • Chronic Management Program with doctors for diseases like diabetes, high cholesterol, and asthma
      • Health Returns in the form of accumulated rewards that can be used for any medical expense not covered in the policy or to pay the premium of the policy renewal
      • Wellness Coach to suggest a diet and fitness routine to keep track of one's health
      • Second E-opinion on critical illness by international professional specialists for critical heart attack or cancer
      • Deductible options to be opted for Rs 25000, Rs 50, 0000, Rs 1 lakh, or Rs 2 lakh as per the plan chosen.
      • Hospital Cash benefit as an optional per day allowance with a deductible of 24 hours. This benefit can be availed up to 10 days per claim and maximum 30 days in a policy year.  

      The List of Exclusions

      Given below is the list of treatment expenses that are excluded from the Aditya Birla Activ Health Essential Plan:

      Wait-period diseases:

      • Diseases encountered before the initial 30-days waiting period
      • Conditions specified in the 24-months waiting period
      • Pre-existing disease before the waiting period
      • 24-month Maternity waiting period

      Permanent Exclusions:

      Following treatments/conditions/expenses are not covered:

      • Self-injury
      • Participation in criminal and unlawful activities
      • Participation in Adventure sports
      • Drug and alcohol abuse
      • Obesity-related issues
      • Congenital diseases or anomalies, etc.,

      *For a detailed list of exclusions, please refer to the policy document.

      Features and Benefits of the Aditya Birla Activ Health Essential Plan

      Following are the benefits and features of the Aditya Birla Activ Health Essential Plan: 

      • Day 1 cover is provided under Chronic Management Program.
      • Health Returns can be claimed up to 30%
      • Option to choose any desired room category
      • Tax benefits can be availed as per section 80 D of the income tax act.
      • Second e-opinion is available in case of critical illness.
      • The policy offers 30% of the premiums as Health Return as a reward for staying healthy

      Cancellation of Policy

      The Aditya Birla Activ Health Essential Plan Insurance policy has the following rules for cancellation:

      • If the policy is cancelled within first 30 days of policy purchase (free look period), 100 % of the policy coverage is refunded. The number of days the policyholder was insured, any expenses made by the insurer, and stamp duty charges will be deducted from the premium payment.
      • If cancelled after the free-look period, such as within a period of 1 month, 3 months, and 6 months, the premium refunded will be 75%, 50 %, and 25%, respectively.
      • No refund will be provided if the policy is cancelled after 6 months. 

      FAQs

      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
      book-home-visit
      Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

      Health insurance Articles

      • Recent Article
      • Popular Articles
      26 Sep 2024

      Can You Get Maternity Insurance If Already...

      Pregnancy is one of the most beautiful phases of a woman’s life

      Read more
      12 Aug 2024

      Moratorium Period in Health Insurance

      Getting a health insurance claim accepted for pre-existing

      Read more
      30 Jul 2024

      Is Dengue Covered by SBI Health Insurance?

      Dengue, a common vector-borne disease, causes high fever, severe

      Read more
      30 Jul 2024

      Is Dengue Covered by Reliance Health Insurance?

      Dengue fever can negatively impact you physically and financially

      Read more
      29 Jul 2024

      Modern Treatments in Health Insurance

      Modern treatments have transformed the healthcare industry with

      Read more

      Zero Waiting Period in Health Insurance Plans

      Every medical insurance plan comes with a few terms & conditions, and the waiting period is one of them. A

      Read more

      List of Health Insurance Plans for Senior Citizens

      Senior citizens are the most prone to diseases. Considering the medical inflation in India, buying health insurance

      Read more

      PMJAY: 10 Major Benefits of Ayushman Bharat Yojana

      Ayushman Bharat Yojana, or Pradhan Mantri Jan Arogya Yojana (PMJAY), was launched by Prime Minister Shri Narendra

      Read more

      10 New IRDAI Health Insurance Guidelines in 2024

      Health insurance penetration in India is far lower than it should be. A significant chunk of the Indian population

      Read more

      Does Health Insurance Provide Coverage for LASIK...

      A vast majority of the Indian population is suffering from vision problems. For some of them, LASIK eye surgery is

      Read more

      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.

      *Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

      Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

      © Copyright 2008-2024 policybazaar.com. All Rights Reserved.

      top
      Close
      Download the Policybazaar app
      to manage all your insurance needs.
      INSTALL