What we love?
Get optional unlimited OPD Cover starting at Rs. 706/member
Cover amount: ₹5 Lakh
Cashless hospitals: 319
Premium:₹592/month (₹7094 paid annually)
Claim Settlement Ratio: 94%
What we love?
Get optional unlimited OPD Cover starting at Rs. 706/member
Cover amount: ₹5 Lakh
Cashless hospitals: 319
Premium:₹592/month (₹7094 paid annually)
Claim Settlement Ratio: 94%
Claims Rejected due to Policy Terms and Conditions such as Waiting Periods and Exclusions as provided by the Insurer.
Number of Claims Settled / Number of claims valid as per Policy Terms and Conditions (C = A+ B).
Why is it Important
Chronic illnesses require continuous monitoring and therefore the chronic management program is essential as it includes diagnostic tests, access to health coaches, and doctor consultations as well. This is available at no additional cost under this plan.
Why is it Important
No Room rent capping means you will not have to pay from your own pocket ever for a Single AC Room in any hospital.
Why is it Important
This ensures that you have higher coverage to meet any future medical emergency
Why is it Important
Daily walking helps you keep fit and help in giving you a monetary discount under this plan.
Why is it Important
Essential variant is a value for money offering of Activ Health product which offers all the essential features at an affordable price
Why is it Important
Critical illnesses usually require longer treatment and recovery time which may lead to financial burden. This feature ensures you don’t need to worry about your health insurance premium as the same is waived off for 1 year
Why is it Important
Most people infected with the virus will experience mild to moderate respiratory illness and recover without requiring special treatment. However, some will become seriously ill and require medical attention
Why is it Important
Always opt for rooms within your rent eligibility, In case you opt for a room above this cap, you will have to bear the additional expenses
Why is it Important
It helps at the time of second hospitalization in the same year
Why is it Important
Since the medical expenses are rising every year, this benefit ensures you have sufficient funds for any medical emergency.
Why is it Important
Health checks ensure you are treated before your medical condition gets serious.
Full claim paid by Insurer
Why is it Important
The shorter waiting period, the better as the cost of your current illness can be expensive
Why is it Important
Protect yourself and others from infection by staying at least 1 metre apart from others, wearing a properly fitted mask, and washing your hands or using an alcohol-based rub frequently
Why is it Important
The higher the number of network hospitals the better as you can avail cashless treatment at more places.
Why is it Important
Typically there is a period of OPD and diagnostics before one is discharged. Longer the Pre-Hospitalisation cover period, better it is
Why is it Important
There are usually expenses on medicines and treatments even after hospitalization. This benefit helps to cover the same.
Why is it Important
The number of day care treatments are increasing every day and it is important that your insurance covers the same.
Why is it Important
The higher the cover amount, the better as sometimes — especially during seasonal outbreaks like dengue — hospitals may not have accomodation.
Why is it Important
This benefit covers you for alternative treatment options which are becoming more and more popular.
Coverage upto SI to utilize any emergency services for evacuation within India including air ambulance
Why is it Important
It is a value-added service and you get a convenient second opinion.
Earned basis of Health Assesment & Active days_up to 100% premium back
Why is it Important
It ensures that expenses of the donor are covered, and the insured gets the organ that is required in time
Why is it Important
Higher the maternity cover and a shorter waiting period is better. This allows you to avail the best hospitals and doctors for your new born.
Why is it Important
The money can be used for meeting additional expenses that are not covered by health insurance
Why is it Important
The higher the coverage the better as most treatments do not require hospitalization.
Why is it Important
This add-on is beneficial as stray animals are everywhere and you can’t predict when one might bite you.
Are PPE kits and other consumable items covered in Health Insurance policies?
Mostly policies don’t cover it by default, however you can buy some very low cost riders and get consumables like PPE kits covered. These include riders such as Care Shield with Care Health Products, or Safeguard with Max Bupa products.
Is HomeCare treatment covered in my Health Insurance policy?
Many Comprehensive health plans provide Home Care treatment where Hospitalisation was required, but patients couldn’t be hospitalised because beds weren’t available. This will include the cost of treatment, diagnosis, medication, oxygen, etc. Check with your advisor for options where HomeCare for Covid-19 is also covered
Will my Health policies cover Black Fungus or any other complications of Covid-19?
Absolutely, Health Insurance covers Covid-19 and all its related complications such as Black Fungus.
In cashless process the hospital expenses are settled directly between the insurance company and the network hospital. No cash has to be paid by the insurance policy holder.
Click here to view the list of Cashless Hospitals
There can be 2 types of hospitalisation.
Hospital will share all the necessary documents with insurer / TPA for approval.
Insurer will scrutinize the shared documents and give the authorization on the final bill amount in case of approved transactions.Any inadmissible expenses,copayments,deductions will have to be paid by you.
Pro Tip – Once your cashless claim is approved, you can also reimburse your pre and post hospitalization expenses through the reimbursement process.
In case of hospitalization in non calshless network hospital you can still take an advantage of your health insurance policy by making a Reimbursement claim where you can pay the medical bills directly to the hospital and then gets expenses reimbursed from the insurance company.
There can be 2 types of hospitalisation.
The insurer needs to provide complete details including hospital name, diagnostic and treatment details, date of admission, etc.
The insurer will provide a reference ID for all future communication pertaining to the claim request.
Insurer will scrutinize the shared documents and give the authorization on the final bill amount in case of approved transactions.Any inadmissible expenses,copayments,deductions will have to be paid by you.