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Aditya Birla Activ Health Enhanced Plan

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The Activ Health Enhanced plan is a premium variant of the Activ Health plan offered by private insurer Aditya Birla Health Insurance Co. Ltd. Under the Activ Health plan, the starting variant is called as the Activ Health Essential Plan which offers a limited coverage of up to Rs.10 lakh. The Active Health Enhanced plan, as the name suggests, provides an enhanced coverage on the benefits offered by the low variant. Offering a coverage of up to Rs.2 crore, the Active Health Enhanced plan has a reduced waiting period of 3 years instead of the regular 4 years period, for pre-existing ailments.

Unlike most health plans that only offer coverage for sickness and accidents, the Activ Health plan focuses on your well-being and rewards you for being healthy. Depending on your fitness activity level, you will earn rewards in the form of cashback incentives which can be leveraged to cover for expenses that are not included in your health policy. The amount earned as cashback can also be used to pay renewal premiums.

How Can You Earn Reward Points Under the Activ Health Enhanced Plan?

Staying fit is a reward that we give to our body but don’t we love it when someone rewards us for being fit? The Active Health Enhanced plan by Aditya Birla does just that, it rewards you for staying fit by giving cashback benefits. These benefits are termed as ‘Health Returns’ and is intended to boost your fitness behaviour. The more active you are, the better chances of you having a ‘healthy heart score’ and the higher will be your cashback. Based on your fitness activity, you will be categorised into red, amber or green. A green rating can fetch you a cashback of up to 30% of the premium per year. To be eligible for a green rating, an individual should be active for more than 13 days in a month. The cashback amount is credited to the health account of the policyholder each month.

To be eligible for the rewards, individuals are required to take a medical checkup after 90 days of purchasing the policy. The checkup will include tests like blood sugar, blood pressure, body mass index (BMI), cholesterol, and smoking status. The expenses of the tests will be funded by Aditya Birla and the tests serve to assess the health status of the policyholder.

The activity levels of the insured are tracked through an app that needs to be connected to a device or a wearable. The app will track various activities like heartbeat rate, the number of steps walked, etc. Activities in the gym will be tracked when the user ‘checks in’ at the gyms that are partnered with Aditya Birla. The coverage network of partner gyms is broad with more than 50 cities under it. To track the activity level for yoga and swimming centres, a fitness checkup is conducted every 6 months and the activity level remains valid for the next 6 months.

The cashback amount received as rewards can be used even after a policyholder ports or opts out of the health insurance plan. The amount in the health account has no connection with the claims and hence, its benefits can be reaped even after making a claim.

Features and Benefits of the Activ Health Enhanced Plan:

As stated above, the Active Health Enhanced plan provides a comprehensive health cover up to a limit of Rs.2 crore on the insured sum and have no co-payment or sub-limits. The plan is meant for enhanced coverage over its entry variant (Activ Health Essential) and boasts of the below features:

  • Chronic diseases like hypertension, diabetes, asthma, and high cholesterol have no waiting period and are covered from day one of the policy purchase date.
  • On hospitalisation, the policyholder can choose from a category of rooms, either shared or private.
  • Pre and post-hospitalisation costs are covered for 60 days and 180 days, respectively.
  • Expenses for day care treatments like dialysis and domiciliary hospitalisation are covered under this plan.
  • For transportation of the patient to network hospitals, road ambulance cover as per standards and for non-network hospitals, a cover of a maximum of Rs.5,000 will be provided.
  • Expenses incurred for organ transplantation, including the cost of harvesting the organ is borne by the insurer.
  • An additional sum arising out of unpredicted illness will also be covered under the Active Health Enhanced plan.
  • For every claim-free year, the policyholder will enjoy an increased insured sum of 20%.
  • Depending on the life stage of the insured individual, an adult is entitled to a free health checkup every year.
  • If the policyholder is required to stay in the hospital for a longer period, the ancillary expenses like attendant charges, to and fro travel from the hospital, will be provided as a lump sum amount.
  • In case the policyholder faces a medical emergency outside India, emergency assistance services will be provided and these services will be available worldwide.
  • A chronic management program is available for patients suffering from illnesses like high cholesterol, diabetes, hypertension, and asthma. The program includes consultation with physician, pharmacy benefits, and diagnostic tests.
  • A wellness expert-cum-coach will be designated to a policyholder to ensure that the policyholder meets his/her fitness goals.
  • To avail significant discounts in the premium amount, individuals have the deductible option of Rs.25,000, Rs.50,000, Rs.1 lakh, Rs.2 lakh, Rs.3 lakh, Rs.4 lakh, and Rs.5 lakh.
  • As mentioned above, rewards in the form of cashback incentives can be earned by staying fit.
  • Daily cash allowance of up to Rs.5,000 will be provided depending on the policyholder’s hospital needs.

The Activ Health Enhanced plan is ideal for you if you’re looking for a comprehensive health plan that at the same time, will also reward you for being healthy.

Health Insurance Reviews

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  • Apollo Munich Health Insurance
    "Its best insurance for the health"
    0.5 5.0/5 "Blown Away!"
    The claim is easy they approve everything I heard lots of customer using it, the customer support is good they gave me the policy document on time. They gave me Rs. 10 lakhs of medical cover, they have tie up with all the major hospitals like fortis, apollo. They have cash less treatment.
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    , bangalore
    Reviewed on Dec 14, 2018
  • Bajaj Allianz Health Insurance
    "Good Doctor for Health"
    0.5 5.0/5 "Blown Away!"
    My medical policy belongs to Bajaj Allianz, I am working same company hence they gave me best benefits. They do have pre existing disease they got tie up major hospitals, they have helpline of 24/7, the medical value around Rs. 5 lakhs for my entire family.
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    , pune
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  • Future Generali Health Insurance
    "Good and effective policy"
    0.5 5.0/5 "Blown Away!"
    Its a family floater policy. They have given me a coverage amount of Rs. 2 lakhs. The policy has been given by my company. I have gone through the hospital list and many of the hospitals are listed in the cashless treatment facility. My total family has been covered by this policy.
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    , bangalore
    Reviewed on Dec 14, 2018
  • Apollo Munich Health Insurance
    "Good for health "
    0.5 5.0/5 "Blown Away!"
    I have medical policy for the coverage around Rs. 5 lakhs, they do have pre existing disease cover. The process generation is quick, they send the insurance card with the list of hospitals details. I am very fine with Apollo Munich health benefits.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Dec 14, 2018
  • Star Health Health Insurance
    "Its Good"
    0.5 5.0/5 "Blown Away!"
    I have personal health policy with Star Health, the process was smooth, the premium is economical. They have generated the policy without any hassles, I took family policy for Rs. 5 lakhs. They have cash less facility but they don't have pre existing disease cover. They got tie up with many hospitals.
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    , hyderabad
    Reviewed on Dec 13, 2018
  • HDFC Ergo Health Insurance
    "Every must need this policy for future"
    0.5 5.0/5 "Blown Away!"
    My health insurance policy was taken with HDFC Ergo. They have provided me a coverage amount of RS. 8 lakhs. I have to pay the premium amount of Rs. 6000 for 4 years till my loan tenure period. When i purchase the loan, they have given this policy. I have not claimed anything from this policy. The hospital list was fine.
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    , gurgaon
    Reviewed on Dec 13, 2018
  • HDFC Ergo Health Insurance
    "Best Policy"
    0.5 5.0/5 "Blown Away!"
    I have taken Health insurance from Hdfc ergo insurance . Am satisfied with the premium amount which am making the payment yearly . This policy gives good coverage with cashless hospitalization and pre disease cover . Even they have given network list of hospitals .Overall am satisfied with the service
    Was this review helpful? 1
    , faridabad
    Reviewed on Dec 13, 2018
  • National Insurance Health Insurance
    "Good for emergency purpose"
    0.5 5.0/5 "Blown Away!"
    The medical claim around Rs. 5 lakhs, its for my entire family. I used this policy for my father bypass surgery, it was cash less in Asian heart hospital the taken 6 to 7 days to settle 100% of claim. It covers major and minor disease it was corporate plan.
    Was this review helpful? 0
    , mumbai
    Reviewed on Dec 13, 2018
  • ICICI Lombard Health Insurance
    "Good Policy"
    0.5 5.0/5 "Blown Away!"
    I have a health insurance policy with ICICI LOMBARD from last 2 months, there was no claim experience so far with this insurance policy. I am not aware of the premium amount as my company pays it. I have a coverage value of Rs 1 lac for this insurance.
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    , bangalore
    Reviewed on Dec 13, 2018
  • Star Health Health Insurance
    "Excellent service"
    0.5 5.0/5 "Blown Away!"
    I have been holding my health insurance with Star health & allied insurance from past one year, they have explain me the policy benefit, and they have tie up with many hospital and they have shared me location as well, and the premium amount they have charged me up to 5000 it is nominal and they charge premium on yearly basis.
    Was this review helpful? 0
    , bangalore
    Reviewed on Dec 12, 2018
  • Apollo Munich Health Insurance
    "Best Policy"
    0.5 5.0/5 "Blown Away!"
    I have taken health insurance from Apollo munich . Am satisfied with the premium amount which am making the payment . This policy covers cashless hospitalization . They have given the network list of hospital . Overall am satisfied with the policy.
    Was this review helpful? 0
    , new delhi
    Reviewed on Dec 12, 2018
  • SBI General Health Insurance
    "Yet to claim the policy"
    0.5 3.0/5 "Satisfactory"
    Total coverage of my medical policy is 2 lakhs. I have purchased a health insurance with SBI General. I make the premium amount of Rs. 9000. Most of the hospitals are covered in all the prime location. I had no claim experience with this policy. Me & my wife are covered in this policy.
    Was this review helpful? 0
    , guwahati
    Reviewed on Dec 12, 2018
  • Apollo Munich Health Insurance
    "Best policy"
    0.5 5.0/5 "Blown Away!"
    I am having a health insurance policy with Apollo Munich from last 3 years, i am not aware of the premium amount as my company pays it. There was no claim experience so far with this insurance policy. This policy has a coverage value of Rs 5 lacs.
    Was this review helpful? 0
    , kolkata
    Reviewed on Dec 11, 2018
  • HDFC Ergo Health Insurance
    "Good health insurance policy"
    0.5 3.0/5 "Satisfactory"
    I have purchased a policy for my family and i bought the policy from HDFC Ergo. I have paid the premium amount of Rs. 13650 yearly once. I have received a coverage amount upto Rs. 3 lakhs. This policy covers for me and my wife. The hospital list was fine. I had no claim experience with HDFC Ergo.
    Was this review helpful? 0
    , bangalore
    Reviewed on Dec 11, 2018
  • Star Health Health Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I have been using my health insurance with Star health insurance,there premium they charge is nominal only i use to pay my premium amount on monthly bases and it use to get auto debited with my bank account and they have explain me all policy which is cover in this policy clearly, till now i did not face any issue with this insurance.
    Was this review helpful? 1
    , indore
    Reviewed on Dec 11, 2018
  • Reliance General Health Insurance
    "Better Policy for health"
    0.5 3.0/5 "Satisfactory"
    I don't know about the features of my health policy which provided provided by company, total mediclaim value of Rs. 3 lakhs, it covers for 4 persons. I have received the medical cover, but I didn't interact with the customer support of Reliance. They have not done the medical test. The premium is low for one year.
    Was this review helpful? 1
    , hyderabad
    Reviewed on Dec 11, 2018
  • Royal Sundaram Health Insurance
    "No claim experience with Royal Sundaram"
    0.5 5.0/5 "Blown Away!"
    1 year back i have purchased the health insurance policy with Royal Sundaram and last month i have renewed the policy. They have given me a coverage value of 5 lakhs and they are providing the cashless treatment facility. I have received the no claim bonus.
    Was this review helpful? 0
    , bangalore
    Reviewed on Dec 11, 2018
  • ICICI Lombard Health Insurance
    "Best health insurance policy"
    0.5 5.0/5 "Blown Away!"
    I'm holding the health insurance policy with ICICI Lombard and i have selected this company because of the services. I can get the cashless treatment facility. I have purchased this policy for myself and my wife. They have given me a coverage amount of Rs. 3 lakhs. I have been paying the premium amount of Rs. 6000 approximately.
    Was this review helpful? 0
    , bangalore
    Reviewed on Dec 11, 2018
  • National Insurance Health Insurance
    "Its Good"
    0.5 4.0/5 "Great!"
    I have the mediclaim policy with National Insurance for the cover of Rs. 3 lakhs they have major and minor hospitals tie up, they gave me list of hospitals, policy duration is good. There is no pre existing or critical illness cover. They have cover for major diseases, the premium is low with best benefits.
    Was this review helpful? 0
    , bangalore
    Reviewed on Dec 11, 2018
  • ICICI Lombard Health Insurance
    "Economical policy"
    0.5 4.0/5 "Great!"
    I have a health insurance policy with ICICI Lombard. It is a individual policy. The medical coverage is for ten lakhs and the premium is also economical for me. It is of 510 on a monthly basis. There are cashless facility too. Fortunately I have used it till date.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Dec 11, 2018
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