Aditya Birla Health Insurance Co.Ltd.

About Aditya Birla Health Insurance Co. Limited

Aditya Birla Health Insurance Co. Limited (ABHICL), a part of Aditya Birla Capital Ltd. (ABCL), is a joint venture between Aditya Birla Group and MMI Holdings of South Africa. ABHICL was incorporated in 2015 wherein Aditya Birla Capital Limited (ABCL) and Momentum Metropolitan Strategic Investments (Pty) Limited (Formerly known as MMI Strategic Investments (Pty) Ltd.) hold 51% and 49% shares respectively. ABHICL commenced its operations in October 2016 and is engaged in the business of health insurance. Company’s current product portfolio includes unique offerings including chronic care and incentivized wellness.

Activ Health - Platinum Enhanced:

I. Key Benefits:

Stay fit and healthy and Earn HealthReturns^TM upto 100 % of Premium
Day 1 cover for medical management of chronic diseases such as diabetes, hypertension, high cholesterol and asthma
Choice of Hospital Room category between Shared, single and Any room
100% Reload of Sum Insured for subsequent claims due to unrelated illness
Earn 50% No Claim Bonus for every claim free year upto max 100% of sum insured

II. Key Features

Product Features	Platinum Enhanced
Policy Term	1, 2 or 3 years
Sum Insured	Rs 2 Lakh, 3 Lakh, 4 Lakh, 5 Lakh, 6 Lakh, 7 Lakh, 8 Lakh, 9 Lakh, 10 Lakh, 15 Lakh, 20 Lakh, 25 Lakh, 30 Lakh, 40 Lakh, 50 Lakh, 100 Lakh, 150 Lakh, 200 Lakhs
Basic Covers
In -patient Hospitalization	Covered up to a) Any room (Available for Sum Insured > 7 Lakhs) b) Single Private Room c) Shared Room (available for Sum Insured's < 5 Lakhs)
Pre -hospitalization Medical Expenses	60 days
Post -hospitalization Medical Expenses	180 days
Day care Treatment	527 day care procedures are covered
Domiciliary Hospitalization	Available
Road Ambulance Cover	Actuals in network, Up to Rs. 5,000 in non - network
Organ Donor Expenses	Available
Reload of Sum Insured	100% of SI for subsequent claims due to unrelated illnesses
Additional Benefits
Cumulative Bonus	20% of SI for every claim-free year, maximum up to 100%. (up to maximum of 50 Lakhs ) No reduction on claim, unless utilized
Health Check-up program	Available, once in a policy year
Recovery Benefit	1% of Sum Insured, max of INR 10,000 (10 days of hospitalization)
Second E -Opinion on Critical Illness	Available
Worldwide Emergency Assistance Services	Available
Value Added Benefits
Chronic Management Program	Day 1 cover for medical management of chronic diseases such as diabetes, hypertension, high cholesterol and asthma
HealthReturns^TM	Stay fit and healthy and Earn HealthReturns^TM upto 30 % of Premium
Wellness Coach	Available

Please check with your Relationship Manager for details on optional covers.

Eligibility:

The minimum Age at entry is 91 days and there is no maximum entry age under the Policy.

Children from Age - 91 days to 5 years will be covered only if one adult is covered under the Policy
Children up to 25 years can be covered under the floater as dependents
Children beyond 25 years if dependent on the parents can be covered under an individual policy.

You shall be eligible for Renewals for lifetime.

Relationships covered (Proposer’s relationship with the Proposed Insured Member): Self, lawfully wedded spouse, son, daughter, mother, father, brother, sister, mother in-law, father in-law, grandfather, grandmother, grandson, granddaughter, son in-law, daughter in-law, brother in-law, sister in-law, nephew, niece.
In case of a floater Policy, one family will share a single Opted Sum Insured. Relationships covered - Self, spouse, dependent parents, dependent in-laws, children up to 25 years (up to 3)
Maximum floater cover can be offered to 6 Adults +3 children.

*This is an indicative list. Please refer to policy wordings / product benefit table for detailed list benefits, limits, exclusions and waiting periods.