Aditya Birla
Activ One MAX+
Activ One Max+ is a variant within the Activ One policy series. It includes the base plan with a couple of extra benefits. Within the annual health check up list you will see 2 extra tests and it will cover costs associated with wheelchairs, walkers, hearing aids, etc if it is deemed medically necessary (with an explicit approval from a doctor). However comparing the costs and the restrictions involved in claiming the extra benefits, perhaps just the base plan i.e. Activ One Max (without the +) becomes a better option.
What's good here?
Free Health Checkups
If you’re planning on getting a full body checkup every year just to make sure you’re in fine working condition, the insurer will cover the costs. Additionally, you get tests like Computed tomography angiography (CTA) and Positron emission tomography (PET) Scan after 90 days of waiting period if the doctor gives in written.
If you’re planning on getting a full body checkup every year just to make sure you’re in fine working condition, the insurer will cover the costs. Additionally, you get tests like Computed tomography angiography (CTA) and Positron emission tomography (PET) Scan after 90 days of waiting period if the doctor gives in written.
You’ll never have to split the bill
The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny. Meaning this policy has no co-payment.
You always have full cover irrespective of the disease
No funny business here. If your insurer hasn’t explicitly stated they won’t cover a certain illness, you can claim the full amount up to the sum insured, irrespective of the disease you’re dealing with. Meaning this policy doesn't impose the dreaded disease wise sub-limits.
Unlimited Restoration Benefit
Even after you claim part of the cover on one occasion, you will be allowed to claim the full cover any number of times repeatedly if you are hospitalized in the future. All in the same year by the way!!!
Special bonus for renewing the policy
Your sum insured increases by 100% each year irrespective of your claim status in the current year. However, the sum insured keeps increasing as long as the Loyalty benefit sum insured reaches 500% of the sum insured; with a maximum capping of up to 3Cr.
Covers Alternative Medicine
Think of getting Ayurvedic, Homeopathic or other alternative treatments to cure an illness? Your insurer will cover you fully, up to the sum insured.
You can pick any room you like
Shared room, single room, deluxe room or any room that’s available. The insurer won’t nitpick on your choice of room since the policy has no restrictions on room rent.
Pre & Post hospitalization expenses covered
No worries if the doctor had to run a host of diagnostic tests before or after hospitalizing you. The insurer has your back. They will cover this amount in full for a pretty reasonable duration - 90 days before you are hospitalized and 180 days after discharge. This includes the cost of medication by the way.
Day Care treatments covered
If you’re hospitalized for less than 24 hours in lieu of a minor procedure, then the insurer will cover these costs too. Think dialysis, chemotherapy or minor surgeries.
Full coverage even if you are forced to hospitalize at home
The insurer will bear the costs even if you are hospitalized at home due to a condition or the hospital running out of beds. In insurance lingo, they call this a policy with domiciliary cover.
What's okay here?
Reasonable waiting period for pre-existing diseases
If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems after you wait for 3 years.
If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems after you wait for 3 years.
Add-ons
Chronic Care
With this add-on, If you're already diagnosed with Asthma, Hypertension, Hyperlipidemia, Diabetes mellitus, Chronic Obstructive Pulmonary Disease (COPD), Obesity or Coronary Artery Disease (PTCA done prior to 1 yr) and it's a pre-existing condition, then you can get coverage for those conditions from Day 1 as opposed to waiting 3 years for pre-existing illnesses.
Critical Illness
With this add-on you get a lumpsum payment in the event you are diagnosed with critical illnesses outlined in the policy document.
Cancer Booster
With this add-on, the insurance company will give additional coverage up to 100% of Sum Insured for medical expenses linked to Cancer of Specified Severity.
Second Medical Opinion
With this add-on, the insurance company provides second medical opinion for listed 27 major illnesses from doctors & experts from the network facilities.
Room Rent Modifier
With this add-on, the insurance company modifies the room rent restriction from any room to either a Single Private room or Shared Accommodation.
Vaccine Cover
With this add-on, the insurance company provides coverage against vaccination for diseases declared as pandemic or epidemic up to specified limits per insured person.
Chronic Care Management Program (OPD)
With this add on, you can get coverage for defined e-consultation sessions and pathology tests for listed conditions already diagnosed as PEDs.
Personal Accident cover
With this add-on, the insurance company will payout a lumpsum amount based on the cover chosen, in case the selected insured member encounters total or partial disablement or accidental death.
Compassionate Visit
With this add-on, the insurance company covers the cost of 2-way economy class air ticket or travel fare max up to ₹50k if hospitalization exceeds 10 days.
Annual Screening Package for Cancer diagnosed Patients
With this add-on, the insurance company pays out for medical expenses done on annual screening package for people diagnosed with Cancer, provided the conditions required are met up to defined limits on a reimburesement basis.
Per Claim Deductible
With this, the insurance company reduces the premiums you must pay for the plan. But remember, if you ever have to make a claim, then you’ll be expected to pay a sum before the insurance company settles the claim. This amount is called the deductible. So if you want to buy a policy at a better price, you can opt to pay a higher deductible i.e. you can pay lower premiums by offering to pay a sum (a deductible) everytime a claim comes up.
Tele-OPD Consultation
With this add-on, the insurance company provides coverage for teleconsultation from network facilities.
Frequently Asked Questions
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