Aditya Birla Activ Fit Plan: Maternity Expenses Covered

Activ Fit Plan

Young adults who lead an active and fit lifestyle can benefit from the Aditya Birla Activ Fit plan. Besides rewarding people for staying fit, the plan covers hospitalizations, maternity expenses, ambulance services, and home treatments. Aside from the binge refill benefit, the plan also offers health check-ups, EMI protection, and premium waivers.

Benefits of Activ Fit Plan

Refills are unlimited from day one - In the event that the sum insured is exhausted or insufficient to cover a claim, this benefit allows the sum insured to be 100% refilled an unlimited number of times during the policy year.
Discount for good health - This plan offers a flat 10% discount to policyholders whose health conditions are considered good if they are found to be healthy.
Discounts for early birds - Those who are under 35 years of age when they buy the policy get an early bird discount on their fourth policy renewal.
Free health checkups every year - Insured members can take advantage of a free yearly health check-up under the Aditya Birla Activ Fit plan using a cashless method.
Returns on health - The Health Returns benefit allows the insured to earn up to 50% of their premium amount back if they remain active for 275 days a year.
Benefits that add value - A health assessment and mental health assessment program are included in this Aditya Birla health insurance plan to keep an eye on the health condition of a person.
Earnings without making a claim - A policyholder eligible for this benefit earns a 100% No Claim Bonus (NCB) for every year they stay claim-free.
Benefits from taxation - In addition to claiming tax deductions under Section 80D, Income Tax Act, 1961, the premium for an Aditya Birla Activ Fit plan may also be tax deductible.

Inclusions Under Activ Fit Plan

The cost of in-patient hospitalization, including the stay in the intensive care unit, is covered.
The fund covers the costs of 12 modern treatments, such as oral chemotherapy and balloon sinuplasty.
This insurance covers medical expenses associated with HIV/AIDS, STDs, or sexually transmitted diseases.
It covers inpatient hospitalization expenses associated with mental illness treatment, such as anxiety, stress, depression, etc.
Treatments requiring less than 24 hours of hospitalization are covered under this coverage.
Depending on the sum insured amount, the daily cash benefit ranges from Rs 800 to Rs 1000 per day for each day of hospitalization.
Medical Expenses for Up to 90 Days Before Hospitalization - The plan covers medical expenses incurred before hospitalization.
Post-hospitalization Medical Expenses - This insurance covers medical expenses incurred after hospital discharge for up to 180 days.
When it is not possible to transfer to a hospital, Domiciliary Hospitalization covers at least 3 days of hospitalization at home under the advice of a doctor.
Taking treatments at home on a physician's recommendation is covered by this insurance.
Insurers provide road ambulance coverage to assist them in getting to the nearest hospital in the event of an emergency.
The cost of harvesting a donor's organ for transplantation is covered by the organ donor's expenses.
As part of the AYUSH Cover, the insured is covered for inpatient hospitalization expenses incurred in an AYUSH hospital or daycare center.
During pregnancy, the insurance covers both normal and C-section deliveries, including the cost of medical expenses incurred by the insured woman.
The plan covers in-patient expenses for the treatment of a newborn baby for a period of 90 days after delivery.
The plan covers vaccination costs for a newborn baby for up to two years from the date of birth.
A newborn's stem cells are preserved with this policy, and medical expenses are covered for harvesting and storing them.
Medical evacuation and medical repatriation within the country are covered by Domestic Emergency Assistance Services.

Exclusions Under Activ Fit Plan

Procedures for weight loss and Obesity
Surgery involving cosmetics or plastics
Sports involving adventure or danger
Substance abuse or alcoholism treatment
The condition of infertility and sterility
An attempt at suicide or an injury caused by self-infliction
Anomalies external to the body
A treatment that takes place outside of India.

FAQ

Is there a room rent limit with the Aditya Birla Active Fit plan?

No, there isn't. As the Aditya Birla Activ Fit plan includes no room rent limits, people who purchased it can choose any room category during hospitalization.

How much health insurance discount will I receive under Aditya Birla Active Fit?

Aditya Birla Activ Fit offers a good health discount if you are in good health when you purchase the plan. A health risk assessment and a unique facial scan will be used by the insurer to determine your health status.

The Aditya Birla Activ Fit plan covers how many day care procedures?

Aditya Birla Activ Fit covers all daycare procedures.

Under the Aditya Birla Activ Fit plan, can children avail of the free health check-up benefits?

It does not. Insured adults only receive free annual health check-ups under the Aditya Birla Activ Fit plan.

How can I make an installment payment for my Aditya Birla Activ Fit policy premium?

Yes. Payment can be made in monthly, quarterly, and half-yearly installments for the Aditya Birla Activ Fit policy.

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