Aditya Birla Activ Care Health Insurance

Lifestyle support equipment, if required by the insured to live his/her life properly is covered. The plan pays a benefit for buying such equipment.

Portable medical equipment cover for buying the required equipment can be taken. The benefit pays up to a specified amount for buying the required equipment like oxygen cylinder, ventilator, etc.

In the old age, people are required to care more for their health. The Aditya Birla Activ Care acquires as many benefits as possible to provide complete healthcare for senior citizens. The plan holds the common features like Pre and Post hospitalisation medical expenses, In-patient hospitalisation, OPD treatment cover for medical consultation and diagnostic tests, and so on. In addition to these, there are several other offerings of the plan that entice customers the most. Some of them are as follows:

• Annual health check-up is covered
• Coverage for 586 daycare procedures
• 50% to 100% reload of the sum insured is allowed once a year
• The option of domiciliary hospitalisation expenses is available
• The cover is offered for organ donor expenses
• Coverage for Ayush related procedures is provided
• Domestic and International emergency assistance services such as air ambulance
• Availability of the second opinion for major illnesses

The features of the plan don’t just cover the medical expenses but also offer benefits. The policy offers some discounts and money-saving benefits to its customers. These benefits make the plan more affordable and attractive. Here are the following beneficial components:

• The option of lifelong renewability is available
• No Claim Bonus (NCB) of 10% sum insured is provided for every claim free year
• Availability of health and wellness discounts on the OPD procedures
• The option of earning Health Returns up to 21% of the premium amount
• Earn tax benefits on the policy premium as per sec 80D of the IT Act

The features of the plan are indeed helpful and lucrative. No person would like to miss this policy for gifting to his or her parents. Thus, if you are looking for a health insurance plan for your parents or yourself, get it now.  

In addition, to examine the benefits of the plan, selecting the correct mode of buying the plan is also necessary. Hence, observing the health insurance industry, every expert suggests customers purchase health plans from insurancedekho.com. It is considered the most authentic site when it comes to the health insurance sector. Here customers get to know detailed information related to terms and conditions, policy wording, brochures, etc., of the plan and help them during claim settlement time as well. 

The policy allows different types of premium discounts. Firstly, if the policy is taken for two years and a single premium is paid, a discount of 7.5% is allowed on the premium. Secondly, if two members are covered, discount of 5% is allowed. 

Co-payment is when the policyholder has to bear a part of the claim from his/her own pockets. Co-pay is usually applicable in cases when older individuals are insured. Under the Activ Care plan, co-payment is applicable @ 20% for Standard and Classic Plans and 10% for Premier Plan. This means that the policyholder would have to pay 20% or 10% of the claim himself and the insurance company would then settle the remaining.

Sum insured under Standard and Classic Plans are Rs. 3 Lakh, Rs. 4 Lakh, Rs. 5 Lakh, Rs. 7.5 Lakh and Rs. 10 Lakh. For Premier Plan the coverage level is Rs. 5 Lakh, Rs. 7.5 Lakh, Rs. 10 Lakh and Rs. 25 Lakh.

Yes, organ donor expenses are covered under the Classic and Premier Plans. Under the Classic plan, the expenses are covered for up to 50% of the sum insured while under the Premier Plan coverage is allowed for up to the full sum insured.