|Product Features||Platinum Enhanced|
|Sum Insured (in Rs.)||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|
|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|
|Reimbursed up to 5,000 per hospitalisation for non-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|
|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
|Cumulative Bonus||Applicable on Sum Insured:
50% increase, max up to 100% (up to a maximum of 1 Cr)
|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 of 10,000
(For consecutive 10 days of hospitalization due to accident)
|Chronic Management Program(OPD)||Available, As per Annexure 1|
|HealthReturns||Available, up to 100% of Premium|
|Expert Health Coach||For Sum Insured upto 3 lakhs:
Available - Medical, Nutritional, Mental & Fitness
For Sum Insured 4 lakhs and above:
Available - Medical, Nutritional, Fitness & Mental Counselling session, Homeopathy teleconsultation
|Eligibility||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|
Yes, you can. However, in this case- you'll have to claim for Reimbursement as Cashless Claims are available at our network hospitals only.
We’ll be here for you no matter what time or day it is. Just give us a ring at 1800-270-7000 and we’ll sort things out for you.
Yes, ABHI’s health insurance policy is valid pan India.
Yes, a health insurance claim can be rejected if it doesn’t comply with your policy’s terms and conditions. For example: If you claim for a pre-existing disease-related treatment before completing the waiting period, your claim may be rejected.
Yes, you can if it is a daycare procedure or an OPD – provided that you’ve opted for an OPD cover in your health insurance.
The right age to buy a health insurance would be while you’re still young. This is because, premiums are a lot cheaper and you complete waiting periods sooner too! Additionally, with healthcare expenses off the roof, if you ever need treatment for an illness – a health insurance will ensure it doesn’t eat up your early savings which you can instead use for your travels.
Yes, your spouse, children and parents can be added as a dependant under the floater plan. The policy can also be taken for your father, mother, father-in-law, mother-in-law, son, daughter-in-law, daughter, grandparents, and grandchildren on individual basis. Your unmarried children, under the age of 18, are eligible as dependants under the policy. Your children enrolled as full-time education students are eligible until the age of 25.
No, all benefits shall be payable when incurred in India only, in Indian rupees.
Aditya Birla Health has an extensive network of 5,900+ network hospitals across India growing steadily over the years. One must get admitted to a network hospital in order to avail cashless treatment for their illness. One can get the hospital closest to them by going through the Aditya Birla Health network hospital list available on https://www.eindiainsurance.com/aditya-birla/health/
The premium paid on a health insurance policy is eligible for deduction under Section 80D of the Income Tax Act. So save with your policy now.
Factors for medical insurance in India, How much is the premium and the coverage offered by India health insurance plans..Click here to read more