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Compile your steps to not compound your health issues

While health insurance is definitely a sound purchase for you and your family

October 23, 2019 10:56 IST
health insurance

A health insurance policy is designed to safeguard you against the financial losses you may incur due to medical contingencies. A health insurance policy usually covers expenses related to Hospitalisation, pre and post hospitalization, all major day-care procedures, domiciliary (home care) treatment, hospital room rent and road ambulance and more.

While health insurance is definitely a sound purchase for you and your family, it is important to understand that it does not override the benefits of leading a healthy and active lifestyle. By staying fit, you can not only avoid or cut down your medical expenses but also earn reward points from your health insurance provider. Yes, that’s right!

These reward points can be redeemed towards seeking discount in policy renewal premium or meet expenses which are not otherwise covered under the insurance plan. Now, you may think that why a health insurance company would promote healthier lifestyles in their customers. Well, the answer is simple. It reduces the number of claims for the insurance company.

The Activ Health Platinum Essential and Enhanced health insurance plans from Aditya Birla Health Insurance provide comprehensive medical cover as well as motivates you to live a healthy life. These are holistic plans which protect you, care for you and reward you.

Let’s take a look at the key features of these plans:

Comprehensive Hospitalization Cover

Aditya Birla Health Insurance’s Activ Health Platinum Essential and Enhanced health insurance plans cover your expenses before, during and after hospitalization. If the hospital stay exceeds 24 hours, you can get reimbursement for doctor’s fee, room rent, medicines, allowable consumables and operation theatre expenses. These plans also cover:

  • Pre and post-hospitalization expenses.
  • Day care procedures that require less than 24 hours of hospitalization.
  • Domiciliary hospitalization expenses if you are being treated at home.
  • Road ambulance charges.

Chronic Management Program

Aditya Birla Health Insurance’s Activ Health Platinum Essential and Enhanced, health insurance plans give you cover for chronic illnesses such as asthma, diabetes, hypertension or high cholesterol. You can reimburse the cost towards diagnostic tests, medicines and doctor consultation from day one of the commencement of the policy.

There are wellness coaches by the company for guidance. They monitor and track your health, fitness, weight and nutrition to assist you in adopting a healthy lifestyle.

HealthReturnsTM is a unique feature of Aditya Birla Health Insurance’s Activ Health Platinum Essential and Enhanced health insurance plans because they incentivize you for staying healthy. You can earn up to 30% of your premium as HealthReturnsTM. In order to earn these returns, you are required to schedule a health assessment with the company to know your Healthy Heart ScoreTM and current state of health. After the assessment, you have to start working towards improving your health and record your ‘Activ DayzTM’ by walking 10,000 steps daily or by burning 300 calories in one exercise session or working out at least 30 minutes in a gym.

Regularly exercising helps you earn ‘Activ DayzTM’ which is credited monthly as HealthReturnsTM, which can be used for paying future premiums, diagnostic tests, medicines or treatment that is not otherwise covered under the plan.

Choice of Hospital Room

Aditya Birla Health Insurance’s Activ Health Platinum Essential and Enhanced health insurance plans allows you the flexibility to choose a shared or private room during hospitalization at the time of taking the policy. In case you choose a lower category room than your eligibility, during the hospitalization instead, you get the benefit as a percentage of claim amount in the form of additional HealthReturnsTM.

Activ Health App

When you avail Aditya Birla Health Insurance’s Activ Health insurance plans, you get access to the company’s Activ Health Mobile App. You can use this app to see your health records 24/7, track your health and insurance details and find healthcare service providers in the company’s network.

Reload of Sum Insured

Aditya Birla Activ Health Enhanced insurance plan offers you 100% Reload of Sum Insured in case you happen to suffer from unrelated illnesses. However, in case of an accident, you become eligible for reload in the first claim itself.

When you are looking for a comprehensive health insurance policy with additional benefits of HealthReturnsTM, Aditya Birla Health Insurance’s Activ Health Platinum Essential and Enhanced plans are your ideal options.

 

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Compile your steps to not compound your health issues

While health insurance is definitely a sound purchase for you and your family

A health insurance policy is designed to safeguard you against the financial losses you may incur due to medical contingencies. A health insurance policy usually covers expenses related to Hospitalisation, pre and post hospitalization, all major day-care procedures, domiciliary (home care) treatment, hospital room rent and road ambulance and more.

While health insurance is definitely a sound purchase for you and your family, it is important to understand that it does not override the benefits of leading a healthy and active lifestyle. By staying fit, you can not only avoid or cut down your medical expenses but also earn reward points from your health insurance provider. Yes, that’s right!

These reward points can be redeemed towards seeking discount in policy renewal premium or meet expenses which are not otherwise covered under the insurance plan. Now, you may think that why a health insurance company would promote healthier lifestyles in their customers. Well, the answer is simple. It reduces the number of claims for the insurance company.

The Activ Health Platinum Essential and Enhanced health insurance plans from Aditya Birla Health Insurance provide comprehensive medical cover as well as motivates you to live a healthy life. These are holistic plans which protect you, care for you and reward you.

Let’s take a look at the key features of these plans:

Comprehensive Hospitalization Cover

Aditya Birla Health Insurance’s Activ Health Platinum Essential and Enhanced health insurance plans cover your expenses before, during and after hospitalization. If the hospital stay exceeds 24 hours, you can get reimbursement for doctor’s fee, room rent, medicines, allowable consumables and operation theatre expenses. These plans also cover:

Chronic Management Program

Aditya Birla Health Insurance’s Activ Health Platinum Essential and Enhanced, health insurance plans give you cover for chronic illnesses such as asthma, diabetes, hypertension or high cholesterol. You can reimburse the cost towards diagnostic tests, medicines and doctor consultation from day one of the commencement of the policy.

There are wellness coaches by the company for guidance. They monitor and track your health, fitness, weight and nutrition to assist you in adopting a healthy lifestyle.

HealthReturnsTM is a unique feature of Aditya Birla Health Insurance’s Activ Health Platinum Essential and Enhanced health insurance plans because they incentivize you for staying healthy. You can earn up to 30% of your premium as HealthReturnsTM. In order to earn these returns, you are required to schedule a health assessment with the company to know your Healthy Heart ScoreTM and current state of health. After the assessment, you have to start working towards improving your health and record your ‘Activ DayzTM’ by walking 10,000 steps daily or by burning 300 calories in one exercise session or working out at least 30 minutes in a gym.

Regularly exercising helps you earn ‘Activ DayzTM’ which is credited monthly as HealthReturnsTM, which can be used for paying future premiums, diagnostic tests, medicines or treatment that is not otherwise covered under the plan.

Choice of Hospital Room

Aditya Birla Health Insurance’s Activ Health Platinum Essential and Enhanced health insurance plans allows you the flexibility to choose a shared or private room during hospitalization at the time of taking the policy. In case you choose a lower category room than your eligibility, during the hospitalization instead, you get the benefit as a percentage of claim amount in the form of additional HealthReturnsTM.

Activ Health App

When you avail Aditya Birla Health Insurance’s Activ Health insurance plans, you get access to the company’s Activ Health Mobile App. You can use this app to see your health records 24/7, track your health and insurance details and find healthcare service providers in the company’s network.

Reload of Sum Insured

Aditya Birla Activ Health Enhanced insurance plan offers you 100% Reload of Sum Insured in case you happen to suffer from unrelated illnesses. However, in case of an accident, you become eligible for reload in the first claim itself.

When you are looking for a comprehensive health insurance policy with additional benefits of HealthReturnsTM, Aditya Birla Health Insurance’s Activ Health Platinum Essential and Enhanced plans are your ideal options.

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