Presenting Activ Health
Comprehensive Health Cover
- Listed Modern Treatment methods covered
- Avail Cashless Home Treatment
- Get Premium Waiver in case of detection of a listed illness
Chronic Management Program (OPD)
- Day 1 cover for listed chronic illnesses
- Medical Practitioner’s consultations
- Diagnostic test
Health Benefits
- Stay active and earn up to 100% of premium as Health Returns
- Double your Sum Insured in 2 claim free years (Upto maximum of 1 Cr)
Access to Expert Health Coaches
- Coaching on medical, nutritional, mental & fitness
- Mental counselling session, homeopathy tele-consultation
Key Benefits of the Plan
Earn up to 100% Health Returns
Stay healthy and earn up to 100% of your premium as HealthReturns
Access to Expert Health Coach
Coaching on medical, nutritional, mental & fitness Mental counselling session, homeopathy tele-consultation
Double your Sum Insured in just 2 years
Earn 50% No Claim Bonus for every claim free year up to a maximum of 100% of Sum Insured (Upto maximum of 1 Cr)
Health Assessment and Health Check-up Program
Evaluate your health with a Healthy Heart Score
Get Back to Good Health
Covers Modern Treatment Methods and Advancement in Technologies
like robotic surgeries, oral chemotherapy, etc.
Covers Pre and Post Hospitalization Expenses
60 days of pre and 180 days of post
Cashless Home Treatment
up to Sum Insured for specific illnesses like chemotherapy, dengue, gastroenteritis, hepatitis, peritoneal dialysis
Covers Hospitalisation Expenses
for illnesses (including mental illnesses) and accidents
Covers Treatment Expenses
for Obesity and AYUSH related treatments
Upto 100% Reload of Sum Insured
In case of an unrelated illness in the same policy year
Access to Chronic Management Program
Day 1 Cover for Chronic Illnesses
like asthma, high blood pressure, high cholesterol, and diabetes
Automatic Upgrade at No Extra Cost
Get upgraded to the Chronic Management Program automatically, if you develop a chronic condition after buying the policy
Program Benefits
Covers Diagnostic Test
Medical Practitioner’s consultations
To get up to 100% of your Premium as Health Returns , start your Health Journey,
1 Activ Dayz = 10,000 steps or 300 calories burned or a 30 minute gym session per day or participation in a recognized marathon/ walkathon/ cyclothon or a similar activity which offers a completion certificate with timing
To gain up to 100% Health Return ,13 Activ Dayz every month is essential.
Want to start your Health Journey now?
- Download the Activ Health App
- Schedule your ment
and get your Healthy Heart Score - Get active and start
earning Active Dayz
| No. of Activ Dayz™ in a calendar year | Healthy Heart Score™ | ||
|---|---|---|---|
| Green | Amber | Red | |
| 325+ | 50% | 20% | 10% |
| 275+ | 20% | 8% | 4% |
| No. of Activ Dayz™ in a calendar year | Healthy Heart Score™ | ||
|---|---|---|---|
| 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% |
Activ Health: Platinum Enhanced Plan – Product Features
| Product Features | Platinum Enhanced |
|---|---|
| Sum Insured (₹) |
₹2 lakhs, ₹3 lakhs, ₹4 lakhs, ₹5 lakhs, ₹6 lakhs, ₹7 lakhs, ₹8 lakhs, ₹9 lakhs, ₹10 lakhs, ₹15 lakhs, ₹20 lakhs, ₹25 lakhs, ₹30 lakhs, ₹40 lakhs, ₹50 lakhs, ₹100 lakhs, ₹150 lakhs, ₹200 lakhs |
| I. Basic Covers | |
| In-patient Hospitalisation |
Room Options up to Sum Insured – ₹3 lakhs 1. Shared Room 2. Single Private A/C Room Room Options (Sum Insured ₹4 lakhs and above) 1. Shared Room 2. Single Private A/C Room 3. Any Room ICU charges covered up to Sum Insured |
| Pre-hospitalisation Medical Expenses | 60 days |
| Post-hospitalisation Medical Expenses | 180 days |
| Day Care Treatment | Covered up to Sum Insured |
| Domiciliary Hospitalisation | Covered up to Sum Insured |
| Road Ambulance Cover | Covered up to actual expenses per event in case of network providers |
| Organ Donor Expenses | Covered up to Sum Insured |
| Reload of Sum Insured | Available (up to 100% of Sum Insured) |
| AYUSH Cover | Covered up to Sum Insured |
| Mental Illness Hospitalisation | Covered up to Sum Insured |
| Obesity Treatment | Covered up to Sum Insured |
| Home Treatment | Covered up to Sum Insured |
| Modern Treatment Methods and Advancement in Technologies | Up to Sum Insured for listed procedures |
| Domestic Emergency Assistance Services (including Air Ambulance) | Available |
| International Emergency Assistance Services (including Air Ambulance) | Available |
| OPD Cover | ₹1000 available for Sum Insured ₹15 lakhs and above |
| Premium Waiver | 1 policy year premium waiver in case of detection of listed illnesses for adults 18 years & above |
| Co-payment for treatment in higher zone |
For Sum Insured ₹3 lakhs and below – Zone II to Zone I: 10% | Zone III to Zone II: 15% | Zone III to Zone I: 25% For Sum Insured ₹4 lakhs and above – Not Applicable |
| II. Additional Benefits | |
| Cumulative Bonus / No Claim Discount |
Applicable on Sum Insured 50% increase, max up to 100% (up to ₹1 Cr). No Claim Discount applicable on premium of expiring policy year provided no claim under the policy. |
| Health Check-up Program | Available, once in a policy year |
| Second E-Opinion for Major Illnesses | Available |
| Dental Consultation & Investigations | Available for Sum Insured ₹15 lakhs and above |
| Recovery Benefit | 1% of Sum Insured, max ₹10,000 (for consecutive 10 days of hospitalisation due to accident) |
| III. Value Added Benefits | |
| Chronic Management Program (OPD) | Available |
| Health Assessment™ | Available |
| HealthReturns™ | Available, up to 100% of Premium |
| Expert Health Coach |
For Sum Insured up to ₹3 lakhs – Medical, Nutritional, Mental & Fitness For Sum Insured ₹4 lakhs and above – Medical, Nutritional, Mental & Fitness, Mental counselling session, homeopathy tele-consultation |
Want to enhance your protection?
Pick from our optional offerings:
Personal Accident Cover (AD, PTD)
International Cover for major illnesses on cashless basis
Critical Illness Cover
| Eligibility and Coverage | Minimum Age at Entry | Maximum Age |
|---|---|---|
| Family Floater Policy |
91 days – Dependent child 18 years – Adult |
No Maximum age at entry |
| Individual Policy | 5 years | No Maximum age at entry |
| Waiting Period(s) | |
|---|---|
| A. Initial Waiting Period | 30 Days (not applicable in case of accident and subsequent renewal) |
| B. For Pre-Existing Disease | 36 months |
| C. Listed Disease / Procedure Waiting Period | 24 months |