Hospital visits are dreadful when you or your family member is admitted to one. But what’s worse are the bills that accompany it. Hence, most of us secure ourselves and our families by buying a health insurance plan. Health insurance plans cover hospitalisation expenses in case of a medical crisis so that you do not have to spend your savings at a time when medical costs are soaring high.
Most health insurance providers offer policies that cover pre and post-hospitalisation expenses, day care treatments, and domiciliary treatments. However, during hospitalisation there may be some additional expenses that your insurance policy will not provide cover for and which can also burn a hole in your pocket. Some of the expenses that can be incurred are - travel expenses to and from the hospital, nurse or attendent charges, food or refreshments taken during the hospital stay, cost of medical supplies like bandages, post-discharge expenses, etc. So, how can one get relief from bearing such expenses? The answer is simple - by opting for a hospital cash benefit cover. This cover will entitle the policyholders to receive a daily cash hospital allowance that will help them pay for the extra costs incurred during hospitalisation.
The Activ Secure-Hospital Cash plan is one such health insurance offering by Aditya Birla Health Insurance (ABHI). This plan empowers policyholders to receive a daily cash allowance for each day of hospitalisation without taking the hospital bills into account. The daily allowance amount can range from Rs.500 to Rs.10,000. If in case the policyholder is required to be hospitalised in an Intensive Care Unit (ICU), he/she can avail double benefits under the Activ Secure-Hospital Cash plan. An additional benefit can be also availed by the policyholder if his/her hospital stay extends beyond 7 days.
One feature that differentiates the health insurance plans offered by Aditya Birla Health Insurance is the option of availing a wellness coach. The wellness coach will educate and engage individuals to understand the importance of a healthy behaviour and proactively managing it. The policyholder can access wellness coaching in areas of fitness, weight management, nutrition and tobacco cessation. The coaches will be available on chat through a mobile app and website or as a call-back service.
Features and Benefits of Activ Secure-Hospital Cash:
Daily Cash Benefit (DCB) - To avail the daily cash allowance, the insured person needs to complete at least 24 hours in the hospital. One can choose this benefit for 30 days, 45 days, or 60 days in a year. This benefit, however, cannot be availed in case of day care treatments.
Double Benefit Cover - In case the insured person meets with a road accident and is hospitalised or if he/she has to be admitted to an ICU, the daily cash allowance will be doubled. In a policy year, the double benefit can be availed for a maximum of 10 days. The double benefit will only be available for the number of days spent in the ICU and not for a complete stay at the hospital.
Convalescence benefit - If the insured individual is hospitalised for more than 7 days and if the claims have already been paid for 7 days, an additional lump sum which is equal to the one DCB will be paid to the policyholder.
Deductible per claim - Under the policy, a deductible of one day is applicable.
Parental accommodation benefit - If the insured policyholder is 12 years old or below and is hospitalised for more than 72 hours, an additional amount equalling to one DCB will be paid as a lump sum amount towards the accommodation of the policyholder's parent(s).
The Activ Secure-Hospital Cash plan can be a real saviour by covering the miscellaneous expenses that are incurred during hospitalisation.
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I have a health insurance from united India which is provided by my employer. I will recommend this medical insurance to all because the service was good and the claim disbursement time is very less within 25 days we are getting the claim amount. They processed the claim very fast and they are giving upto 80% coverage for my parents, myself, spouse and children the claim coverage up to 100%.
I have taken a mediclaim policy from STAR HEALTH and this is a company policy. I am paying premium annually Rs. 14,000.This policy covers all type of critical illness and i went for claims 2 to 3 times its a cashless. They cover all network hospital and this is family floater policy.
I have taken medi claim from ICICI LOMBARD GENERAL INSURANCE. The coverage value was Rs. 5,00,000 and I am paying premium Rs. 5000. This policy covers all type of critical illness day care treatment. This is a cash less policy last year I had done claim of 2L. This insurance covers all network hospitals and this is a group policy.
I have taken a health insurance from SBI General because from Government side, I can claim the amount if I apply for reimbursement. I have paid the premium amount of Rs. 1000 on every year. They have not explained me about the coverage amount.
My employer has given me a health insurance policy from BAJAJ ALLIANZ on 5 years before. The coverage amount of 5L. On yearly basis they will renew my policy. The premium amount of 10K use to pay. It covers particular hospitals and with multi specialty. There is cashless treatment as well. It covers my whole family.
Taken my health insurance from Birla Sun life. They approached me through call, when i accepted the same, they have given me a health insurance for my entire family with the coverage value of Rs. 3 lakhs. I have been paying the premium amount of Rs. 960 every month. In this policy, pre-existing disease has been covered.
I have taken a health insurance policy from ROYAL SUNDARAM.This is an individual policy and the coverage was Rs. 5,00,000. Annual premium i am paying Rs. 2000. This insurance covers all type of critical illness and still there is a no claim. Every year i am getting reminder call but i am not getting call to include my family members.
I have taken a health insurance policy from ADITYA BIRLA HEALTH INSURANCE. This is a group policy and the coverage was Rs. 2,00,000. I am paying yearly premium around Rs. 3500 and this policy covers all type of critical illness, some disease will not cover need to be get cover.This policy covers all network hospitals.
I have taken a health insurance from ORIENTAL INSURANCE. The coverage value was Rs. 5,00,000 and the premium i am paying Rs. 25,000. This is a group policy which covers all type of critical illness and also i am enjoying TAX benefits. I went for claim full amount i got reimburse and they have issued health ID card for claim it's very useful more over they cover all net work hospitals.
I have taken a health insurance policy from STAR HEALTH and i am using this policy almost 12 years. This is a group insurance which covers my family also and the coverage value was Rs. 7,50,000. I am paying premium for this policy around Rs.35,000. Still now there is a no claim and also this policy covers all type of critical illness.
I have taken a health insurance from ICICI LOMBARD. The policy coverage value was Rs. 3,00,000 and annually i am paying premium of Rs. 9000. This is a individual policy covers individually for me and my family members. Since there is a no claim and also it covers all type of critical illness.
Last 3 years, i have been renewing the policy with Star health insurance. I have chosen this insurance because of the quick response and they have a very good network hospital list. In most of the hospitals, they accepting cashless facility with this company. My entire family has been covered in this policy.
I have taken a health insurance policy from STAR HEALTH and the coverage value was Rs. 7,00,000 This is a family policy which covers all my family members and this is a life long policy. Annual premium I am paying Rs. 15000 and also getting tax benefits.
I have a health insurance from Religare. I haven't get any experience to claim on that. The policy has lots of benefits like it has a cashless tie up with lots of hospitals and the re-imbursement process also quite comfortable so that i got the policy from Religare. They are sending reminder messages before the policy get expired.
My health insurance policy was taken from Royal Sundaram. This insurance policy i got 3 months before hence i didn't claim anything till now. I have paid the premium amount of Rs. 600 which covers only for myself. When i get my SBI credit card, they have a tie up with Royal Sundaram hence i got this. This policy would be helpful in the emergency case.
I have not claimed for the Bajaj Allianz health policy till date once i claim only i come to know about the features. I'm with the Bajaj company for many years so only I purchased this insurance. Yearly I pay the premium amount of Rs. 10000 approximately. This policy covers for myself and my wife. According to the policy, they are saying its cover for 10L.
I have taken a health insurance from NEW INDIA ASSURANCE and the coverage was Rs.2,00,000 or Rs.3,00,000 . This is a individual policy and my friend recommended. I am paying monthly EMI of Rs.4,500. This policy covers all type of critical illness and also still there is a no claim. Customer service was good.
I have taken a mediclaim policy from IFFCO TOKIO. The loan amount was Rs. 2,00,000 and I am paying monthly Rs. 2000 or Rs. 3000.This is a individual policy and also cover all type of critical illness but if any surgery that alone I have some waiting period.
With HDFC, i have a good relationship for past 15 years. For 5 years ago, i have taken the health insurance policy from HDFC Ergo. Since i do not have any claim experience, i have received no claim bonus every year. I have been paying the premium amount of Rs. 25000 for the entire family for the coverage value of Rs. 4 lakhs.
Last 7 years, i have been renewing my health insurance with Royal Sundaram. But only once i have claimed with the amount of Rs. 6000 and my experience was good. So many people referred me about royal Sundaram thats the reason i gone through with them. Every year, i'm paying the premium amount of Rs. 10000.