Key Features and Benefits of Aditya Birla Health Insurance
The greatest wealth is indeed health! In the current scenario, with cost of living going high and healthcare turning expensive, landing up in a hospital may burn a hole in your pocket. How do you save yourself from huge hospital bills during a health emergency? Health Insurance is the answer. Yes, you heard it right! However, with so many options available in the market, choosing a right Health Insurance plan becomes extremely difficult. With several benefits and ease of availing, Aditya Birla Health Insurance can be the right choice!
Why Should You Choose Aditya Birla Health Insurance?
This service provider – a joint venture of Aditya Birla Group and MMI Holdings Limited, offers a plethora of benefits and features under two categories – Activ Health Essential (Basic) and Activ Health Enhanced (Comprehensive).
Features and benefits you avail, depend on whether you choose basic or comprehensive policies including add-ons. The term period of both ranges from one to three years. Few common features include day care treatment, domiciliary hospitalization, day 1 cover for chronic diseases like diabetes, hypertension, high cholesterol, and asthma, benefit for hospital room choice, rewards for staying fit and healthy in the form of Health Returns, wellness coach to guide you on diet, fitness, and nutrition, hospital cash benefit, and more. With Aditya Birla Health Insurance, you are entitled to tax benefits under Section 80D of Income Tax Act, 1961.
Besides, under both the plans, you can avail free health check-up once in a year. Under this program, you can monitor your complete physical wellness. Both the plans cover chronic health management program related to lifestyle diseases besides cover for second e-opinion in case of critical illnesses. Compared to other health insurance plans offered by other service providers, you enjoy a plethora of extra benefits. In addition, in case of a settlement claim, there is no reduction in the no-claim bonus. The minimum age for availing both the health insurance plans is 91 days. There is no bar on the upper age limit. Adding dependents under the floater are subject to terms and conditions.
Features and Benefits of Basic Aditya Birla Health Insurance:
- The amount of sum assured is between 3-10 Lakhs
- Pre-medical hospitalization expenses cover for 30 days
- 60 days post-medical hospitalization expenses cover
- 20% co-payment is compulsory
- Ambulance expenses of 2000
- Deductible options of 25,000, 50,000, 1 Lakh, and 2 Lakhs
- Cumulative bonus benefits by 10%.
Features of Comprehensive Aditya Birla Health Insurance:
- The sum assured is up to 20 Lakhs
- Pre-medical hospitalization expenses cover for 60 days
- 180 days cover for post-medical hospitalization expenses
- Cover for organ donor and related surgery fee
- Ambulance expenses of 5000
- Deductible options of 25,000, 50,000, 1 Lakh, 2 Lakhs, 3 Lakhs, 4 Lakhs, and 5 Lakhs
- Cumulative bonus benefits by 20%
- Avail lump sum amount on ancillary expenses, termed Recovery Benefit.
Disclaimer: The features of Health Insurance policy vary a cording to the zone or location.
Apart from individual Health Insurance products, Aditya Birla Health Insurance also encompasses group products, viz. Group Activ Health and Group Activ Secure.
According to a survey, an average of 5% of the Indian population is insured for their health, which is very low. Save yourself from any financial emergency arising out of hospital expenses. Get insured for your health before it is too late. Stay worry-free!
To avail the best Health Insurance policy, it is advised to take the help of the experts. You can talk to Health Insurance Specialists who can help you take a better decision. Call us toll free on 18001034004.
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