Activ Fit Plus Health Insurance
Stay Fit. Earn Rewards. Get Better Coverage.
Key Benefits
Get up to 50% of your premium back as HealthReturns TM on staying active for 275 days in a year .
Earn 10% upfront Good Health Discount on first policy year premium basis on your health risk assessment
Get up to 10% additional early bird discount if you are less than 35 years
Covers Pre and Post Hospitalisation expenses 90 days of pre and 180 days of post
Get Maternity Expense covered over and above base Sum Insured with Newborn Expenses, Vaccination Expenses and Stem Cell Preservation
Binge Refill - Cover up to 100% Sum Insured unlimited times for any illness/injury
GET REWARDED FOR PROACTIVELY SECURING YOU & YOUR FAMILY!
DISCOUNT
Upfront Good Health Discount
Get up to 10% instant discount basis good health risk classified on the first policy year premium
Early Bird Discount
Start young, be proactive and earn up to 10% discount on renewal if you are less than 35 years
Family Discount - Multi Individual
Protect your loved ones’ health, secure 3 or more of your family members for up to 10% discount
Long Term Discount
Consistent rewards/discount motivate you to stay healthy Get discount up to 10% on selecting 3 years policy
Standing Instruction Discount
Choose to give standing instructions on your renewal and get a 2.5% discount on it!
PROTECTION IN CASE OF HOSPITALIZATION
| PROTECTION IN CASE OF HOSPITALIZATION | |
|---|---|
| No Claim Bonus & Super No Claim Bonus or No Claim Discount | Get 10% bonus on Sum Insured per annum up to 100% of the Sum Insured if you don’t claim during the policy year. Super No Claim Bonus of 50% of Sum Insured per annum, max up to 100%, under optional cover. No Claim Discount – Applicable on the premium of the expiring policy year provided no claim under the policy |
| EMI Protection (Optional Cover) | 3 EMIs towards an existing loan amount will be paid by us if you are hospitalized due to any illness/injury for 6 consecutive days in the policy year EMIs will be paid as lump sum amount post discharge from the hospital |
| Hospitalization Expenses |
Cashless hospitalization in 10000+ hospitals covered, including Covid-19^, its variants and mental health issues Pre and post hospitalisation expenses covered HIV / AIDs and STD also covered up to sum insured |
| Day Care Treatment | All day care treatment covered up to sum insured. |
| Home Treatment | Treatment expenses at home covered up to Sum Insured |
| Binge Refill | If you have used your sum insured due to medical emergencies, you can refill it, unlimited times, in case of any illness/injury |
| HealthReturns™ | Stay active, earn premium (up to 50%) as HealthReturns™ |
| Mental Health Assessment Program |
Probable risks and your overall mental health can be assessed with our tools Consult mental health professionals after assessment |
| Domestic Emergency Assistant Services |
During a domestic emergency get: 1) Emergency Medical Evacuation 2) Medical Repatriation (Transportation) |
PRODUCT BENEFIT TABLE
| PRODUCT NAME | ACTIV FIT | PLUS | PREFERRED |
| Sum Insured | 5 Lac, 7 Lac, 10 Lacs, 15 Lacs, 20 Lacs, 25 Lacs, 30 Lacs, 40 Lacs, 50 Lacs, 75 Lacs, 1 Cr |
||
| ELIGIBILITY | |||
| Policy Type | Individual, Multi Individual & Family Floater Individual, Multi Individual – Not Applicable for Preferred Plan |
Yes | Yes |
| Policy Tenure | 1,2 & 3 Years | Yes | Yes |
| BASE COVER | |||
| 1 | In-patient Hospitalization Room Rent SI ₹5 Lacs & above – Any Room, ICU – Actual |
Yes | Yes |
| 1.a | Modern Treatment covered up to Sum Insured | Yes | Yes |
| 1.b | HIV / AIDS and STD covered up to Sum Insured | Yes | Yes |
| 1.c | Mental Care Cover covered up to Sum Insured | Yes | Yes |
| 2 |
Daily Cash Benefit (Shared Accommodation) – SI – ₹5 Lacs – ₹10 Lacs – ₹800 per day (Max up to ₹4,800 per event) SI ₹15 Lacs & above: ₹1,000 per day; (Max Up to ₹6,000 per event) |
Yes | Yes |
| 3 | Day Care Treatment – All Day Care Treatment covered up to Sum Insured | Yes | Yes |
| 4 | Pre-hospitalization Medical Expenses – 90 Days | Yes | Yes |
| 5 | Post -hospitalization Medical Expenses – 180 Days | Yes | Yes |
| 6 |
(a) Domiciliary Hospitalization – Covered up to Sum Insured (b) Home Treatment – Covered up to Sum Insured |
Yes | Yes |
| 7 | Road Ambulance Cover Network – Actuals Non Network – up to ₹3000 per event |
Yes | Yes |
| 8 | Organ Donor Expenses – Covered up to Sum Insured | Yes | Yes |
| 9 | AYUSH Cover – Covered up to Sum Insured | Yes | Yes |
| 10 | Binge Refill – Cover up to Sum Insured unlimited times for any illness/injury | Yes | Yes |
| 11 |
Maternity Expense (Over and above Base SI) Normal Delivery – ₹40,000 C-Section Delivery – ₹60,000 Vaccination Expenses – Covered within Maternity Limit Stem Cell Preservation – Covered within Maternity Limit |
No | Yes |
| ADDITIONAL BENEFIT | |||
| 12 | No Claim Bonus (10% of SI per annum, max up to 100%) | Yes | Yes |
| 13 | Health Check-up Program – Available once during the policy year for insured aged 18 years & above on the start date of the policy | Yes | Yes |
| 14 | Domestic Emergency Assistance Services | Yes | Yes |
| VALUE ADDED BENEFIT | |||
| 15 | Health Assessment | Yes | Yes |
| 16 | HealthReturns™ – Percentage of Premium earned up to 50% of the premium excluding premium for optional benefit(s) & taxes* | Yes | Yes |
| 17 | Mental Health Assessment Program | Yes | Yes |
| OPTIONAL COVER | |||
| 18 | Super No Claim Bonus (50% of SI per annum, Max up to 100%) | Yes | Yes |
| 19 | Travel Protect (Domestic Cover) – Fixed Benefit Pay-out. | Yes | Yes |
| 20 | Premium Waiver – If an Insured Person is diagnosed for the first time with or for any of the listed (20) Critical Illnesses OR suffers an injury due to an Accident resulting in the Permanent Total Disablement within 365 days from the date of the Accident during the policy period, then the premium will be waived off for 1 Policy year. | Yes | Yes |
| 21 | EMI Protection | Yes | Yes |
| 22 | Non – Medical Expense waiver (List as per annexure 1) | Yes | Yes |
| 23 |
OPD Expense (23.a) Physical outpatient Consultation by General Medical Practitioner or AYUSH Medical Practitioner – Available unlimited times during policy year (23.b) Teleconsultations by General Medical Practitioner or AYUSH Medical Practitioner – Available unlimited times during policy year |
Yes | Yes |
HealthReturns™ & Wellness Benefits
| Active Dayz™ in a calendar year | |||
|---|---|---|---|
| Active Dayz™ | Green | Amber | Red |
| 275+ | 20% | 8% | 4% |
| Active Dayz™ in a month | |||
|---|---|---|---|
| Active Dayz™ | Green | Amber | Red |
| 13 or more | 30% | 12% | 6% |
| 10–12 | 18% | 7.2% | 3.6% |
| 7–9 | 12% | 4.8% | 2.4% |
| 4–6 | 6% | 2.4% | 1.2% |
| 0–3 | 0% | 0% | 0% |
- Use it to buy medicines
- Use it to pay for diagnostic tests
- Use it to pay your next policy premium
- Keep it like a fund for listed health contingency
BONUS ACTIVE
a. If your monthly average step count is between
5000-7499 per day
If you have burnt 150-200 calories on an average in
one exercise session per day at the end of the
month, then you will be rewarded with 4 bonus
Active Dayz TM over and above Active Dayz TM earned
during the month (if any)
b. If your monthly average step count is equal to or
greater than 7500 per day
If you have burnt more than 200 calories on an
average in one exercise session per day at the end
of the month, then you will be rewarded with 6
bonus Active Dayz TM over and above Active Dayz TM
earned during the month (if any)
Get up to 50% of your premium, start your health journey
How it works:
Complete 13 Active Dayz™ per month → earn 30% HealthReturns™
Complete 275 Active Dayz™ per year → earn 20% HealthReturns™
➡️ Total HealthReturns™ = 50%
Desclaimer
Product Name: Activ Fit: Activ Fit product has plus and preferred plans. Product UIN: ADIHLIP22008V012223. ADVT UIN: ABHI/LF/23-24/929. Regd. Office address: 9th Floor, Tower 1, One
World Centre, Jupiter Mills Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai 400013. Email: care.healthinsurance@adityabirlacapital.com, Website:
adityabirlahealthinsurance.com, Telephone: 1800 270 7000. For more details on risk factors, terms and conditions please refer sales prospectus and policy wordings carefully before
concluding a sale. Trademark/Logo Aditya Birla Capital is owned by Aditya Birla Management Corporation Private Limited and Trademark/logo HealthReturns TM
, Healthy Heart Score and
Active Dayz are owned by Momentum Group Ltd (MGL) (Formerly known as Momentum Metropolitan Life Limited). These trademark/Logos are being used by Aditya Birla Health
Insurance Co. Limited under licensed user agreement(s). ^Coronavirus is covered for Inpatient treatment as per policy wordings of the Product. *The amount of HealthReturns TM are
indicative . ^^5% discount from 4th policy year to 7th policy year. 10% discount from 8th policy year onwards, will be available at renewal. ~Discount applied only on first policy year premium.
#Discount will be available at renewal. % excluding premium for optional benefit(s) & taxes. T&C Apply