Features

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

 

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

HealthReturnsTM

Stay fit and healthy and Earn HealthReturnsTM 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.

  1. Children from Age - 91 days to 5 years will be covered only if one adult is covered under the Policy
  2. Children up to 25 years can be covered under the floater as dependents
  3. 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.

Aditya Birla Health Insurance Plans