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Aditya Birla Activ Health Essential Plan

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Buying a health insurance plan these days is a mandate which is why most of us already have one. But there is a fraction of people who aren’t fully sure of what they really want from a health insurance. With the health insurance segment flooded with a variety of products, getting confused with the choices available isn’t unusual. Most health insurers offer products that provide cover for basic medical needs and lets you reap tax-benefits. In addition to health insurance plans that provide basic coverage and tax benefits, there are a few plans that reward you for staying physically fit. The Activ Health Essential plan by Aditya Birla Health is one such plan.

This offering is an entry variant of the Activ Health plan rolled out by Aditya Birla and focuses on healthy living instead of just providing financial support. The Activ Health Essential plan is a customised health insurance product that intends to boost healthy behaviour among people by rewarding them for being fit and active. It was developed by putting health at the nucleus of health insurance and offers the flexibility of choosing zones based on the city you live in. The Activ Health Essential plan has been thoughtfully designed and created to not only motivate individuals for sustaining a healthy behavior but also reward them. On achieving health goals, rewards in the form of cashback offers will be provided to the policyholder.

How Can Rewards be Earned Under the Activ Health Essential Plan?

Based on the fitness level of an individual, different categories are assigned. The categories are red, amber, and green. If an individual is active for more than 13 days a month, he/she will qualify to be in the green category and is eligible for a cashback of up to 30% of the insured premium every year. This reward benefit has been termed as ‘Health Returns’ by Aditya Birla Health and the cashback is credited to the health account of the insured at the end of each month. The amount can be utilised by the policyholder to pay for renewal premiums or for expenses that are not covered under the health policy, for e.g, OPD (out-patient department) treatments.

To be eligible for the reward system, the user has to undergo a medical test after 90 days of the policy purchase date. These tests include checks for body mass index (BMI), blood sugar, blood pressure, cholesterol, and smoking status and the expenses for these tests are borne by the insurance provider - Aditya Birla. The tests are also used as a tool to ascertain the health status of the policyholder.

To track the fitness level of an individual, an app has been put into place by the insurer. The app has to be downloaded by the user and connected to a wearable device or phone. Various activities like the number of steps walked, heartbeat rate, etc. will be recorded by the app. For individuals who workout at the gym, the activity will be tracked through Bluetooth when the user does a ‘check-in’ at the gyms partnered with Aditya Birla Health. The number of network gyms is huge and extends to over 50 cities in the country. To determine the heath level in places like yoga and swimming centres where a ‘check-in’ facility is not available, a health check-up is done once every 6 months. The fitness level recorded is valid for a period of 6 months after the check-up.

The rewards earned in the form of cashback do not have an expiry date and the benefits can be availed even after the policyholder ports or opts out of the health insurance policy. However, the amount earned has to be availed within 12 months.

What are the Benefits Offered Under the Activ Health Essential Plan?

The Activ Health Essential plan provides a financial cover of up to Rs.10 lakh for medical expenses. For some of the features and benefits that are offered by the Activ Health Essential plan, take a look at the following:

  • No waiting period for chronic diseases - Certain lifestyle related chronic diseases like diabetes, asthma, hypertension, etc. are covered from day one of the purchase of the policy. The cover is provided under the Chronic Management Program and it provides coverage for diagnostic tests, physician consultations, hospitalisation, and also cost of medicines. On declaration of the chronic disease by the policyholder, the cover starts applying from the first day onwards.
  • Designated wellness coach - To help the policyholders achieve their fitness goals, a team of wellness coaches will provide guidance and encourage them to exhibit a healthy behaviour. They will offer tips and plans to help policyholders stick to their schedules.
  • Hospitalisation benefits - In case of hospitalisation of the insured, the policy will cover all expenses including doctor’s fee, room charges, operation theatre expenses, and medicines. Pre-hospitalisation expenses like doctor’s consultation, diagnostic tests will be covered up to 30 days before hospitalisation. After the policyholder is discharged from the hospital, the expenses including physiotherapy and medicines will be covered for up to 60 days. Expenses for day care treatments like dialysis will also be covered by the insurer. In cases where the policyholder is required to receive treatment at home, medical cover is available for that as well.
  • Choice of hospital rooms - At the time of commencement of the policy, the policyholder has the option of choosing a hospital room and the premium amount will depend on the room category. If for some reasons, he/she does not get a room of their choice, they will receive a pre-defined percentage of the claims as cashback on their health account.
  • No-claim bonus - If within a policy year, no claims are made, the policyholder is eligible for a cumulative bonus. The bonus will be in the form of an increase of 10% on the sum insured every year.
  • Second opinion on critical illness - For major medical conditions like heart attack, cancer, kidney failure, etc. there may be a requirement of a second opinion. For such cases, second opinion of international medical experts is provided through an online medium.
  • Free health check-up - A policyholder is eligible for one free health check-up every year depending on the stage of life he/she is in.
  • Health returns - For displaying a sustained healthy behavior, the policyholder will receive cashback benefits on his/her health account. The cashback amount can be utilised by the policyholder to avail other medical expenses which may be excluded from the coverage of the insurance policy.
  • Deductible option available - Under the Activ Health Essential plan, the policyholder can opt for deductible options of Rs.25,000, Rs.50,000, Rs.1 lakh, and Rs.2 lakh to receive substantial discounts on the premium amounts.
  • Daily hospital cash allowance - If the policyholder is hospitalised, he/she is entitled to a daily cash allowance (up to 30 days per policy year) to meet the hospital-related expenses. The maximum cash allowance can go up to Rs.5,000 based on the medical needs of the policyholder.

The Activ Health Essential plan makes an attractive health insurance plan for people who, apart from wanting financial assistance also want to invest in their physical well-being.

Health Insurance Reviews

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  • review Health Insurance
    "Excellent service"
    0.5 5.0/5 "Blown Away!"
    I have taken my health insurance with Adiyta birla insurance, there service is good, there agent had explain me about the policy which is covered in this insurance and they have tie up with many hospital and they have shared me there location , and the premium amount they have charged me was nominal, i use to pay through on line.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 23, 2019
  • Religare Health Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I have been using my health insurance with Religare insurance from long time,their service is good, they have tie up with many hospital , and they have shared me an excel with there location, and the agent had explained me clearly about the policy benefit,overall service is good.
    Was this review helpful? 0
    , jaipur
    Reviewed on Jan 23, 2019
  • ICICI Lombard Health Insurance
    "Satisfactory"
    0.5 4.0/5 "Great!"
    I took my health insurance with ICICI Lombard. The customer service is good. I got the insurance paper on time. I have no claims. I have taken the policy for myself and wife. The medical coverage is 5L for both. I think have paid hardly 8K for one year.
    Was this review helpful? 0
    , pune
    Reviewed on Jan 23, 2019
  • United India Health Insurance
    "Good Policy"
    0.5 5.0/5 "Blown Away!"
    My company has given me a health insurance from united India. My entire family has been covered in this policy. I had no claim experience so far and i have not checked about the list of hospitals. I'm happy about the coverage amount they have given to me.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 22, 2019
  • Apollo Munich Health Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I have taken my health insurance with Apollo Munich, there service is good, there agent had explain me about the policy which is covered in this insurance and they have tie up with many hospital and they have shared me there location , and the premium amount they have charged me up to 13,000, i use to pay through on line.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jan 22, 2019
  • United India Health Insurance
    "Best Policy"
    0.5 3.0/5 "Satisfactory"
    I have chosen the United India health insurance policy without any reason. I got this policy for my entire family. I pay the premium amount of Rs. 16000 nearly. I have a claim experience with them and they have processed the claim in 3 days. They have given a claim upto 80%
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 22, 2019
  • review Health Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I have a health insurance policy with BHARATHI AXA , this policy cover accident claim and there customer support team have explain me about this policy . And the premium i pay per year it nominal, i pay through on line. Till now i have no claim experience with them, i have took the policy like in every five years they will reduces 5 % if i do not claim it, till now there service was good.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jan 22, 2019
  • United India Health Insurance
    "Good Policy to take"
    0.5 5.0/5 "Blown Away!"
    I have purchased my United India health insurance in the year of 2002. I pay the premium amount of Rs. 12000. This is a primary plan. Me, my wife and my son has been covered in this policy. I have received the covered amount of Rs. 10 lakhs. I have not faced any issue in this policy.
    Was this review helpful? 0
    , ahmedabad
    Reviewed on Jan 22, 2019
  • HDFC Ergo Health Insurance
    "Average service"
    0.5 3.0/5 "Satisfactory"
    I have been using my health insurance with HDFC ERGO, they have charged me premium amount up to 500 rupees , this health insurance is a complimentary insurance issued my bank as i took this bank credit card, the premium amount it was to get deducted on yearly basis, and it use to get deducted from this bank credit card, and after that it converted in to Emi option, and till now i had no experience with this insurance, there is cash less treatment option available.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 22, 2019
  • Bajaj Allianz Health Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I took my Health insurance with Bajaj allianz general insurance, they have tie up with many hospital, and they have shared me location regarding this, so far there was no claim experience with them . There is cashless treatment option available , the premium amount they have charged me previously on monthly basis, it was nominal premium charges, i have been paid for 4-5 years continuously, now maturity period got completed.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jan 22, 2019
  • HDFC Ergo Health Insurance
    "Not satisfied with the service"
    0.5 1.0/5 "Really Bad"
    It was not quite a good experience i had with them where i had started this insurance policy in the year of 2009 and i had been paying the premium amount of 50,000 annually. There was not any single claim which i had made so far, until last year i had tried for a claim and the bill was around 40,000 and they had provided me with only 12,000 which was really a bad experience.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 21, 2019
  • HDFC Ergo Health Insurance
    "Its Good"
    0.5 1.0/5 "Really Bad"
    Before four month my health policy got expired I don't have interest to renew it again. HDFC Ergo representative called me for the renewal. I don't have claim experience but I believe they provide ac room hospitalization for per day Rs. 3000 will be charged from the insured value and they do have no bonus feature.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 21, 2019
  • Star Health Health Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I have been using my health insurance with Star health insurance, there service is good,i have applied two health loan , one for me and one for my parents, i had claim experience with it , as one year ago,i avail this insurance for my parents, there was cashless option available , and the premium amount they have charged me was nominal, for my parents i use to pay up to 27,000 as yearly basis, and for me 12,000 as yearly basis.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 21, 2019
  • HDFC Ergo Health Insurance
    "Excellent service"
    0.5 5.0/5 "Blown Away!"
    I have been using my health insurance with HDFC ERGO , the agent that explain me clearly about the policy, and there benefits,and they have tie up with many hospital and they have shared me excel regarding this, i had claim experience on 2016 , my claim experience with this bank was good, the premium amount they have been charged on yearly basis,they have charged premium nominal.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 21, 2019
  • Universal Sompo Health Insurance
    "Speedy claim recovery"
    0.5 4.0/5 "Great!"
    Holding my health insurance from Universal sompo. I'm not getting any mails or messages from Universal Sompo regarding the updates. The policy is really good. This is a 100% covered policy. They have processed the claim immediately with the cashless treatment. The hospital list is really good.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 20, 2019
  • ICICI Lombard Health Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I have taken my health insurance with ICICI Lombard general insurance, there service is good, there agent had explain me about the policy which is covered in this insurance and they have tie up with many hospital and they have shared me there location , and the premium amount they have charged me was nominal,i use to pay on yearly basis.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 20, 2019
  • HDFC Ergo Health Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I took my medi claim with HDFC ERGO, they have tie up with many hospital,and they have shared me the location regarding this,they have mention the location on excel,and the premium amount they have charged me is nominal,they have charged me on yearly basis.overall service is good.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 20, 2019
  • Apollo Munich Health Insurance
    "Average Policy"
    0.5 3.0/5 "Satisfactory"
    My organization has given me a health insurance from Apollo Munich. I have not gone through about the documents and hospital list. My entire family has been covered in this policy. They have given me a satisfied coverage value. I have not contact the customer care so far.
    Was this review helpful? 0
    , gurgaon
    Reviewed on Jan 20, 2019
  • HDFC Ergo Health Insurance
    "Average Policy"
    0.5 3.0/5 "Satisfactory"
    I have purchased the health insurance from HDFC Ergo. For some enquiry, i have called the customer care service and they have resolved my query immediately. I have not made any claim experience so far. I pay the premium amount of Rs. 37000 and myself has been covered in this policy.
    Was this review helpful? 0
    , gurgaon
    Reviewed on Jan 20, 2019
  • Star Health Health Insurance
    "Less premium with Extra benefits"
    0.5 3.0/5 "Satisfactory"
    Taken my health insurance policy recently from Star. Till now i have not spoke with the customer care. Since my age is above 50, i made the premium amount of Rs. 17000. Myself, my wife and child has been covered in this policy. They have given me a coverage value of Rs. 4 lakhs. Almost major hospital has been covered in this list.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 20, 2019
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