Overview

Aditya Birla Capital Limited (ABCL) is the holding company for all the financial service businesses of the Aditya Birla Group. With a strong presence across the life insurance, asset management, private equity, corporate lending, structured finance, general insurance broking, wealth management, equity, currency and commodity broking, online personal finance management, housing finance, pension fund management and health insurance business, ABCL is committed to serve the end-to-end financial services needs of its retail and corporate customers. Aditya Birla Capital Limited is a part of the Aditya Birla Group, a USD 40 billion Indian multinational in the league of Fortune 500. Anchored by an extraordinary force of over 120,000 employees, belonging to 42 nationalities, the Aditya Birla Group operates in 36 countries across the globe. About 50 per cent of its revenues flow from its overseas operations.

Highlights For

Aditya Birla

- Activ One NXT

Claim Protect

Three Zone Premium

100% health returns

product highlights for Aditya Birla - Activ One NXT

Features

Sub-limits

Pre-Hospitalisation : 90 days

The amount of expenses incurred during this period prior to hospitalisation such as diagnostic tests, doctor fees, medicines, etc. for investigiation purpose are also payable by the insurer

Post Hospitalisation : 180 days

The amount of expenses incurred during this period after discharge from hospitalisation for the purpose of recovery such as follow-up tests, doctor fees, medicines, etc. are also payable by the insurer

Waiting Period- Initial : 30 days

No claims are accepted within this period except due to accidents/ injury.

Waiting Period- Specific : 2 years

Listed specific illness

Waiting Period- PED : 4 years

No pre-existing ailment related claims are accepted within this period.

Room Rent : Yes

Room rent for in-patient hospitalisation

ICU Charges : yes,upto sum insured

Charges for ICU hospitalisation

Co pay : No

% of the claim that the policyholder needs to pay out-of-pocket

Restore Benefit/ Recharge/ Refill : No

If the sum insured is exhausted due to hospitalisation expenses of one or more members, there is an automatic restoration of the sum insured for related or unrelated ailments.

Health Check up : Yes,once a year

Free annual health check-up for all insured members according to the list of tests specfied in the policy document.

No Claim Bonus : maximum of 500% of the base sum insured, and is limited to Rs. 3 Crores

% of the sum insured that rises every claim free year.

Video/telephone consultation : No

E-consultation with expert doctors empanelled with the insurer for a second opinion.

Domiciliary hospitalization : Covered up to Sum Insured

Home care treatment where there are no beds in the hospital or paitient is not in a condition to be moved to the hospital, This treatment is provided under the supervision of a registered medical practitioner.

Ambulance : yes,upto sum insured

Transportation of the patient to the hospital and back home

Convalescence benefit : No

A specific fixed amount of money paid as a recovery benefit for extended hospitalisation.

Organ Donor : Covered up to Sum Insured

The costs for a surgical procedure of removal or damaged organ from the patient's body which could otherwise be fatal.

Bariatric cover : Not available

Expenses related to obesity-related conditions such as high BP, sleep apnea, arthiritis asthma, etc.

Daycare : Yes,may not require a 24 hour hospitilisation

Covers in-patient hospitalisation expenses where the stay is <24 hours under a specified list of treatments

AYUSH : Covered up to Sum Insured

Alternative treatment coverage such as ayurvedic, unani, sidha and homeopathy which leads to hospitalisation.

Congenital Coverage : Not available

Covers medical expenses related to diagnosis and treatment of heriditary and internal congenital ailments/ conditions/ traits that exist from birth.

Modern Treatments : Modern Treatment covered up to Sum Insured

All advanced treatment with upgrade in technology.

Health Management/ Wellness : Yes,upto sum insured

Benefits provided for staying fit and managing health

Maternity Benefit : Expenses for pre/post-natal care

All expenses related to childbirth or legal medical termination of pregnancy, usually upto a specified limit.