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  • Aditya Birla Activ Health Enhanced Plan

     4.0 / 5.0   by 5133 users
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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

  • Page 1 of 50 1 2 3 4 5
    • Star Health Health Insurance
      "Average Service"
      0.5 3.0/5 "Satisfactory"
      I was using the health insurance policy with the Star Health. I am paying a premium of 35K per year. On one occasion I claimed the policy and they were able to reimburse only 75% of the amount claimed which wasn't satisfactory.
      Was this review helpful? 3
      , hyderabad
      Reviewed on Sep 15, 2018
    • Reliance General Health Insurance
      "Average Service"
      0.5 3.0/5 "Satisfactory"
      I've a health insurance policy with the Reliance General Insurance. I am paying a premium of 27000 per year. It is for the entire family. There hasn't been any claim experience so far. I will have to wait and see how they respond to my requests in future if I will have any.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 15, 2018
    • New India Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      My health insurance is with New India Assurance from last 1 year, i am not aware of the premium amount as my company pays it. I have no claim experience so far with this insurance policy and the coverage value is Rs 2 lacs for individual.
      Was this review helpful? 1
      , bangalore
      Reviewed on Sep 14, 2018
    • Apollo Munich Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a health insurance policy with Apollo Munich from last 7-8 years, i have no claim experience so far with this insurance policy. I pay a premium of Rs 12000 for this insurance policy and the coverage value is Rs 5 lacs for this policy.
      Was this review helpful? 0
      , pune
      Reviewed on Sep 12, 2018
    • Cigna TTK Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a health insurance policy with CIGNA TTK from last 2 years, i am happy with the coverage value of this insurance policy. I pay a premium of Rs 12000 for this insurance policy. I have no claim experience so far with this insurance and the coverage value of Rs 4.5 lacs.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 12, 2018
    • Max Bupa Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a health insurance policy with MAX BUPA from last 6 years, i am happy with the coverage value of this insurance policy. I have no claim experience so far with this insurance and i get no claim bonus every year. The coverage value for this insurance is Rs 15-20 lacs.
      Was this review helpful? 0
      , faridabad
      Reviewed on Sep 12, 2018
    • ICICI Lombard Health Insurance
      "Good Policy"
      0.5 3.0/5 "Satisfactory"
      I have recently taken a health insurance policy with ICICI LOMBARD. I have to pay a premium of Rs 15000 on yearly basis. This policy i got it along with the personal loan taken from Fullerton. They gave a coverage of Rs 3 lacs for this insurance policy.
      Was this review helpful? 1
      , rajahmundry
      Reviewed on Sep 12, 2018
    • Star Health Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      My health is insured with STAR health from last 1year and it is a good policy to use. It is a family policy where the coverage value is Rs 3 lacs per individual. I do not have claim experience with this insurance and i pay a premium of Rs 15000 for this insurance.
      Was this review helpful? 1
      , coimbatore
      Reviewed on Sep 12, 2018
    • Religare Health Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have a health insurance policy with Religare from last 1.5 years, a premium of Rs 14000 has to be paid for this insurance policy and it is a family coverage. My claim experience was very good and they covered 100%. Coverage value is Rs 5 lacs +5 lacs (auto refill) for this insurance.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Sep 12, 2018
    • Reliance General Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insured with Reliance general insurance from last 3 months, i pay a premium of Rs 10000 for 2 individuals and each one has the coverage value of Rs 5 lacs. It is a good policy to use and i have not claimed anything so far from this insurance.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 12, 2018
    • National Insurance Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I hold an Individual health insurance policy with National insurance from last 4 years, i have not claimed anything so far from this insurance policy. I pay a premium of Rs 3000 for this insurance policy and the coverage value is Rs 1.5 lacs for this insurance.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 12, 2018
    • HDFC Ergo Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insured with HDFC ERGO from last 1.5 months, i am happy with the coverage value of this insurance policy. A premium of Rs 6000 has to be paid for this insurance policy. I have no claim experience with this insurance the coverage value is Rs 5 lacs.
      Was this review helpful? 0
      , palanpur
      Reviewed on Sep 12, 2018
    • ICICI Lombard Health Insurance
      "Normal Service"
      0.5 4.0/5 "Great!"
      I've a health insurance policy with the ICICI Lombard. I am paying low premium, there hasn't been any claim experience with the policy so far. Considering the premium I pay it has been a normal experience with the policy so far.
      Was this review helpful? 1
      , udaipur
      Reviewed on Sep 11, 2018
    • ICICI Lombard Health Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've a health insurance policy with the ICICI Lombard, I am paying the premium and I do not have any claim experience with the policy so far. I'll have to wait and see how they respond to my claim requests in future. It has been a hassle free experience so far.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 11, 2018
    • Star Health Health Insurance
      "Start Health Insurance Fraud"
      0.5 0.5/5 "Unacceptable"
      My father purchased Star health insurance for family safety and was paying premium from last 2 years but when time came insurer refused to give claim stating that throughout the hospitalization and all investigation reports are within normal limits. My brother was admitted in family hospital delhi for 24 hours, doctors diagnosed him and billed approx 13500.
      Was this review helpful? 2
      , new delhi
      Reviewed on Sep 08, 2018
    • Chola Ms Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insured with Cholamandalam health insurance from last 2 years, i am happy with the coverage value of this insurance policy. I am not aware of the premium amount as my company pays it. It is a family coverage and they cover up to Rs 5 lacs for this insurance.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 08, 2018
    • Apollo Munich Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a health insurance policy with Apollo Munich from last 3 months, i am happy with the coverage value of this insurance. I am not aware of the premium amount as my company pays it. The coverage value is Rs 10 lacs for accidental policy and Rs 10 lacs for death policy.
      Was this review helpful? 0
      , pune
      Reviewed on Sep 08, 2018
    • National Insurance Health Insurance
      "Very Good Service"
      0.5 4.0/5 "Great!"
      I had taken this insurance policy almost ten years back and the premium had been paying online. The premium amount has not been higher and it was nominal. Their customer support and their staff responses also had been good as well. They also covers most of the hospitals in our locality.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Sep 07, 2018
    • ICICI Lombard Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have an Individual health insurance policy with ICICI Lombard from last 4 years, i pay a premium of Rs 6500 for this insurance policy. I have not claimed anything so far from this insurance policy. The coverage value for this policy is 7 lacs.
      Was this review helpful? 1
      , faridabad
      Reviewed on Sep 06, 2018
    • Star Health Health Insurance
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      Star health is good in the health insurance policy. The medical coverage is good. It is for my family and I and fortunately I had not had a claim experience til date. The premium is normal and there are good benefits too. There is a no claim bonus too.
      Was this review helpful? 1
      , secunderabad
      Reviewed on Sep 06, 2018
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