Aditya Birla Group Activ Health Insurance Plan

Advantages of a Group Health Insurance Plan

1. There is no waiting period for a group health insurance plan, even for critical illnesses like diabetes, asthma, heart ailments, etc. and the insured individual is provided coverage from day one of enrolment.
2. Even maternity benefits are available to be reaped from day one of the enrolment.
3. The policyholder need not undergo any medical checkup or submit medical reports to be covered under the group insurance plan.
4. Under a group insurance plan, the status of an individual is not taken into account. This means that an individual who is prone to diseases can avail benefits of a health plan at affordable premium rates. Insurers usually charge high premium rates for high-risk individuals.
5. Buying an individual health insurance could become a costly affair for some and for those individuals, a group insurance health plan can come in handy when medical exigencies strike.
6. Group health insurance plans are crucial for safeguarding the health of members of a group.
7. Family members are also offered coverage under a group insurance health plan. This will reduce the financial burden of the policyholder because otherwise, he/she has to pay premiums for individual health policies.

Features and Benefits of Group Activ Health Plan

As stated above, the Group Activ Health plan provides a comprehensive coverage for members of a group. It can be customised by the employer or the insurance provider to meet the needs of its group members. Below are the benefits and features offered by the plan:

1. Provides coverage for pre and post-hospitalisation expenses, ambulance charges, room rent, doctor's fee, etc.
2. Expenses for daycare treatments are also covered under the plan.
3. Maternity-related expenses are offered cover from day one of enrolment under the Group Activ Health plan.
4. There is no waiting period for critical illnesses like hypertension, asthma, diabetes, heart ailments, etc.
5. For major critical illnesses, a second opinion of specialist medical practitioners are available through an online medium.
6. Settlement of claims will be provided through a cashless facility where the hospital bills will be directly settled by the insurance provider, in this case, Aditya Birla Health. The cashless facility can only be availed at network hospitals.
7. The documentation involved in enrolling in a Group Activ Health plan is simple and hassle-free.
8. Insurance coverage is provided for pre-existing illnesses as well.
9. There is an option of availing the benefits of a wellness coach who will guide policyholders towards a sustained healthy behaviour.
10. Different optional covers are available for policyholders as per their health needs.
11. Under the Group Activ Health plan, the policyholder is eligible for a free health checkup every year.
12. Domiciliary hospitalisation is also covered under the plan and includes attendant charges and medicine costs.
13. Like in most group health insurance plans, there is no need for the policyholder to take a medical checkup or produce medical reports.
14. Daily hospital cash allowance will be given in case the policyholder is admitted to a hospital and the amount can range from Rs.500 to Rs.5,000.
15. Choice of hospital rooms is also given to the policyholder.
16. Aditya Birla Health has a broad coverage of network hospitals to ensure high accessibility to hospitals.
17. Any premium paid towards the Group Activ Health plan is eligible for availing tax benefits under Section 80D of the Income Tax Act, 1961.

The Group Activ Health plan can be an ideal health insurance partner for both the buyer and the beneficiary which in the case of organisations are employers and employees, respectively.