Aditya Birla Health Insurance for Parents

A health insurance policy named Activ Care Plan tends to deliver the best possible health insurance benefits for parents. The plan has the entry age of 60 years and offers the lifetime renewability option, which makes it perfect for everyone’s parent. The plan offers fitness assessment tests for the insured members on the basis of which they can earn health return depending on their healthy heart score. These health returns can be utilized as payment of the premium at the time of policy renewal.

Key Features

• Sum insured up to Rs. 25 Lakh is available
• Health check-up coverage is offered under the plan
• Costs related to pre and post hospitalisation are covered
• The option to reload the sum insured amount is available
• Availability of in-patient admission for Ayush-related treatment
• No claim bonus of 10% sum insured
• Air ambulance service
• Optional covers like room upgrade and PPN discount

Scope of Coverage

• Coverage for 586 daycare procedures
• Expenses for nursing at home is covered
• Discounts on diagnostics, pharmacy and OPD consultations, etc.
• The second e-opinion option is available for major or critical diseases
• Coverage for portable and advanced medical equipment
• Health returns of up to 21% can be earned by the insured individuals
• Coverage for cashless treatment at home for listed diseases
• The cost incurred on life support and portable medical equipment is covered

Eligibility

Being a plan designed for parents, the entry age of the insurance policy is 60 years. The plan also holds the option of lifelong renewability.

Exclusions

• The cost incurred on the treatments related to congenital diseases etc.
• Medication and treatment of injuries suffered due to self-inflicting acts
• Procedures for injuries suffered due to warlike operations, invasions, etc.
• Plastic surgery procedure unless suggested by a doctor
• Medication and procedures related to mental disorder or illness

In case any query pertaining to product description or exclusions, you can go through the brochure or policy wording. You can also connect with our customer care staff at - 1800-1205-698.