Aditya Birla Activ Health Enhanced Health Insurance

Wherever a deductible option is selected, the deductible amount is applied on each policy year on the aggregate of all admissible claims in that policy year.

The add-on includes maternity expenses up to the Maternity Sum Insured specified in the policy schedule after a waiting period of 24 months, for the delivery of a child and/ or Maternity Expenses related to a medically necessary treatment and lawful medical termination of pregnancy up to a maximum of 2 events including 2 deliveries (including twins) or 2 terminations or 1 delivery (including twins) and 1 termination during the lifetime of an insured person between 18 years to 45 years of age. 

Under this add-on, you get paid for the Hospital Cash Benefit specified in the policy schedule, for each continuous and completed period of 24 hours of hospitalization, during the policy period for treatment of an illness or injury. This benefit shall be payable for a maximum limit of 30 days in a policy year and 10 days for each claim.

The Activ Health Enhanced Plan is designed to offer every possible coverage to the insured individuals. Though everyone needs to undergo a medical examination to get enrolled under the plan, the policy holds a lot worth going through that as well. The customers widely appreciate the plan due to its several attractive features. However, here are some offerings of the policy:

• In-patient hospitalisation coverage
• Pre and post hospitalisation expenses
• Availability of worldwide emergency cover
• 527 listed day care procedures are covered
• Coverage related to road ambulance is offered
• 100% restoration of the sum insured is available
• A cover is offered related to organ donor expenses
• Second opinion option is provided in the case of critical illness 

The Activ Health Enhanced insurance policy 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 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 20% 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

These many features and benefits can easily corroborate the point that Activ Health Enhanced Plan is the right choice to opt for while selecting a health insurance plan for an individual or family. Besides offerings, the plan is an excellent product by Aditya Birla health insurance, which is available at an affordable rate and that too, with the utmost 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. Therefore, visit the website and grab the perfect plan for you and your family at a click.

The pre-existing waiting period for Activ Health Enhanced is 3 years.

Yes! The premium paid for Activ Health Enhanced policy is liable to get tax benefits under section 80D of the Income Tax Act. You can claim health insurance tax benefits with a deduction of up to Rs. 25000 from your taxable income each year.

Yes. The policy cover costs incurred on transportation to a hospital as per the actuals in an emergency situation, if the services are availed in a network hospital. You get a max. of Rs. 5000 per hospitalisation in case of a non-network hospital.

You can avail a family discount of 5% if 2 or more family members and 10% if 3 or more family members are insured. Moreover, you are eligible to get a long term discount of 7.5% and 10% on selecting 2 and 3 policy terms respectively.

Once you opt for maternity benefit cover, you get covered for newborn baby expenses, vaccinations, medically necessary treatments and lawful medical termination of pregnancy.

Chronic diseases like hypertension, diabetes, asthma, and high cholesterol are covered under Chronic Management Program of Aditya Birla Health Insurance.

Yes, you can avail cashless facility under Activ Health Enhanced plan. However, the health care center or hospital should fall under the network hospitals of Aditya Birla Health Insurance.

Yes, you can get 20% of basic Sum Insured per year up to a maximum of 100% for each unclaimed year, in case opted for. Also, the cumulative bonus will not be reduced in event of any claim.

The initial waiting period for Activ Health Enhanced plan is 30 days.