Aditya Birla
Activ Fit Plus
This plan is specially curated for young audiences who are into fitness. It has special discounts on both first-year premiums and renewal premiums based on medical evaluations or a fitness regime matrix. It also offers online consultations for mental illnesses based on medical evaluation. All in all, it is a good plan with good features, no outrageous conditions, so long as you're under 45.
What's good here?
Mental Health Assessment & Renewal Discount
In-built coverage for mental health assessment (Screening for mental health and consultation available based on mental health status) and Health Returns benefit which provides discount up to 50% of the base premiums based on the steps taken throughout the year.
In-built coverage for mental health assessment (Screening for mental health and consultation available based on mental health status) and Health Returns benefit which provides discount up to 50% of the base premiums based on the steps taken throughout the year.
You’ll never have to split the bill
The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny. Meaning this policy has no co-payment.
You always have full cover irrespective of the disease
No funny business here. If your insurer hasn’t explicitly stated they won’t cover a certain illness, you can claim the full amount up to the sum insured, irrespective of the disease you’re dealing with. Meaning this policy doesn't impose the dreaded disease wise sub-limits.
Unlimited Restoration Benefit
Even after you claim part of the cover on one occasion, you will be allowed to claim the full cover any number of times repeatedly if you are hospitalized in the future. All in the same year by the way!!!
Free Health Checkups every year
If you’re planning on getting a full body checkup every year just to make sure you’re in fine working condition, the insurer will cover the costs.
Covers Alternative Medicine
Think of getting Ayurvedic, Homeopathic or other alternative treatments to cure an illness? Your insurer will cover you fully, up to the sum insured.
You can pick any room you like
Shared room, single room, deluxe room or any room that’s available. The insurer won’t nitpick on your choice of room since the policy has no restrictions on room rent.
Pre & Post hospitalization expenses covered
No worries if the doctor had to run a host of diagnostic tests before or after hospitalizing you. The insurer has your back. They will cover this amount in full for a pretty reasonable duration - 90 days before you are hospitalized and 180 days after discharge. This includes the cost of medication by the way.
Day Care treatments covered
If you’re hospitalized for less than 24 hours in lieu of a minor procedure, then the insurer will cover these costs too. Think dialysis, chemotherapy or minor surgeries.
Full coverage even if you are forced to hospitalize at home
The insurer will bear the costs even if you are hospitalized at home due to a condition or the hospital running out of beds. In insurance lingo, they call this a policy with domiciliary cover.
What's okay here?
Long waiting period for pre-existing diseases
If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems only after 4 long years. It could be much shorter you know? Like 2 years perhaps!
Special Bonus for being healthy and not claiming insurance
Your sum insured increases by 10% each year, so long as you make no claims during this period. But before you get too ahead of yourself, do note that they’ll stop offering you the bonus when your sum insured increases by 100%. Also, the bonus amount will reduce at same rate each time you make a claim. But hey, it's still a bonus.
Add-ons
Consumables Cover
With this add-on, you also get extended coverage for generally excluded items like syringes, gloves, PPE kits etc.
OPD Cover
With this add on, you can get coverage for outpatient and e-consultations i.e. doctor visits.
Premiums Waiver Cover
With this add-on, you get waiver of premium for 1 year on first diagnosis of critical illness or an injury due to an Accident resulting in the Permanent Total Disablement but this feature is available once in the lifetime of the Policy.
Super NCB
With this rider, you get additional bonus of 50% upto 100% of the base sum insured for claim free year. The insurance company will offer this benefit to everyone who buys the policy.
Travel Protect Cover
With this add-on, you get fixed pay for travels made by a common carrier within the territory of India in terms of total loss of check-in baggage, delay of check-in baggage, Trip cancellation & interruption, trip delay and missed flight connection.
EMI Protection Cover
With this add-on, you get your 3 EMIs paid against existing loan in case of hospitalization exceeding more than 6 days for amount between ₹10,000 to ₹1,00,000 based on cover chosen for this benefit, but remember this feature is available once in the lifetime in the Policy.
Frequently Asked Questions
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