Activ Care Prime – Comprehensive Parents Health Plan Overview
Key Features of the Plan
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Activ Care a comprehensive health insurance plan that provides 360 care and protection for your parents.
activ care
Health insurance benefits for financial protection
Health Assessment
Get free health assessment once a year on renewal.
HealthReturns
Stay healthy and earn up to 21% of premium as Health Returns.
No Claim Bonus
10% of sum insured for every claim-free year, subject to maximum of 50%.
Second E-Opinion on major illness
Get second e-opinion on major illness from our panel of world class medical practitioners.
Home Treatment
Get cashless treatment in the comfort of your home for chemotherapy, dengue, gastroenteritis, hepatitis.
Worldwide Emergency Assistance
International & domestic assistance including air ambulance expenses.
586 Listed Day Care Procedures:
Protects you adequately in times of need.
Home Nursing & Health Services
Get a qualified nurse to look after your parents, immediately after discharge.
Post Hospitalisation Medical Expenses
We cover 60 days of post-hospitalization medical expenses
Lifestyle Support & Portable Medical Equipment
We provide ICU bed, wheelchair, walker etc. to enable smoother recovery.
Activ Care a comprehensive health insurance plan that provides 360 care and protection for your parents.
Get access to a personal health coach
- Provide medical, nutritional & wellness counselling and sessions on better lifestyle management.
- Assist through the Health Returns journey – how to earn & use Health Returns.
- Help in reading & understanding medical reports.
- Help connect with our panel of medical practitioners to get second e-opinion on major illnesses.
- Assist through the claims process ensuring that the claims are settled with ease and convenience.
- Support in availing cashless home treatment.
- Guide in taking care of health post a medical procedure by suggesting changes in their lifestyle & nutrition.
- Get access to eligible support services like nursing at home.
- Support in getting access to lifestyle support & portable medical equipment’s.
4 more reasons why you must select the Activ Care Plan today!
Health and Wellness discount
Get discounts on OPD consultations, Diagnostics and Pharmacy through our network service providers.
Family discount
Get up to 5% family discount on premium for 2 members in a policy.
Long term discount
Get a 7.5% discount when you select a policy for 2 years.
Tax benefit
Save tax up to `50,000 as deduction under section 80D Income Tax act, 1961
How can you earn up to 21% of your premium as Health Returns?
- Take the Health Assessment and get your Healthy Heart Score.
- Complete 13 Active Dayz per month and earn up to 20% of your premium as Health Returns
- Earn additional 1% by talking to your health coach.
How can you use Health Returns?
Use it to pay your next policy premium.
Use it to buy medicines.
Use it to pay for diagnostic tests.
Keep it like a corpus for any health contingency.
Activ Care: Product Benefit Table
| Product Name | Standard | Classic | Premier |
|---|---|---|---|
| Sum Insured (S.I.) Options | 3L, 4L, 5L, 7.5L, 10L | 3L, 4L, 5L, 7.5L, 10L | 5L, 7.5L, 10L, 25L |
| Basic Covers | |||
| In-patient Hospitalisation | Covered | Covered | Covered |
| Room Type | Shared Room | Shared Room | Single private AC room |
| ICU | Covered upto S.I. | Covered upto S.I. | Covered upto S.I. |
| Pre-hospitalization Medical Expenses | 30 days (max 5% of total hospitalization expenses combined) | 30 days | 30 days |
| Post-hospitalization Medical Expenses | 60 days (max 5% of total hospitalization expenses combined) | 60 days | 60 days |
| Day Care Treatment | 586 procedures covered | 586 procedures covered | 586 procedures covered |
| Domiciliary Hospitalization | Not Available | Covered upto 10% of S.I. | Covered upto S.I. |
| Road Ambulance Cover | upto ₹2,000 / hospitalization | upto ₹2,000 / hospitalization |
Network: Actual expenses Non-network: upto ₹5,000 / hospitalization |
| Organ Donor Expenses | Not Available | Covered upto 50% of S.I. | Covered upto S.I. |
| Reload of Sum Insured | 50% of S.I. once per year | 100% of S.I. once per year | 100% of S.I. once per year |
| Ayush (In-patient) | Covered upto S.I. | Covered upto S.I. | Covered upto S.I. |
| Sub-limit for listed illnesses | As per Appendix 1 | As per Appendix 1 | As per Appendix 1 |
| Home Treatment | S.I. 3L–4L: ₹25,000 5L & above: ₹50,000 |
S.I. 3L–4L: ₹25,000 5L & above: ₹50,000 |
S.I. 5L & above: ₹50,000 |
| Additional Benefits | |||
| No Claim Bonus / Discount | 10% of S.I. at each renewal for every claim-free year, subject to max 50%. Discount applicable on renewal premium if no claim. | ||
| Domestic Emergency Assistance | Available | Available | Available |
| International Emergency Assistance | Available | Available | Available |
| OPD Treatment | Not Available | Not Available | Available upto ₹2,500 (S.I. conditions apply) |
| Care Benefits | |||
| Health Assessment | Once a policy year | Once a policy year | Once a policy year |
| Comprehensive Health Check-up | Not Available | Once a year (S.I. 5L–10L) | Once a year |
| Health Coach | 2 sessions / year | Available (S.I. 3L & 4L) | Not Available |
| Personal Health Coach | Not Available | Available (S.I. 5L & above) | Available |
| Optional Care Benefits | |||
| Nursing at Home | Qualified nurse upto ₹1,500/day for 15 days per policy year | ||
| Lifestyle Support Equipment | As specified in Appendix 1 | ||
| Portable Medical Equipment | As specified in Appendix 1 | ||
| Advance Health Check-up | Available | ||
| Optional Covers | |||
| Room Upgrade | Shared → Single private AC | Shared → Single private AC | Single private → Any room except suite |
| PPN Discount | 10% discount | 10% discount | 10% discount |
- Hearing aids, spectacles or contact lenses including multifocal lens & optometric therapy.
- Treatment for baldness, alopecia, wigs, toupees and similar treatment.
- Cosmetic, aesthetic & re-shaping treatments and surgeries.
- Abuse or consequences of the abuse of intoxicants or hallucinogenic substances.
- Breach of law with criminal intent, intentional self-injury.
- War, act of foreign enemy, uprising, revolution, insurrection, military or usurped acts.
Waiting period
Classic & Premier: 24 months for specific illness.
Standard: 24 months for specific illness, 36 months for Joint Replacement Surgery.
Pre-existing disease: 24 months for all plans.
Initial waiting period: Not applicable in case of accident; subsequent renewal – 30 days for all plans.
Premier: 10% co-pay for all inpatient hospitalisation, domiciliary, Ayush, Home Treatment and Day care claims.
Standard & Classic: 20% co-pay for all inpatient hospitalisation, domiciliary, Ayush, Home Treatment and Day care claims.