Many features of this policy make it attractive compared to other health plans. These include OPD cover up to Rs 20,000 and restore benefits. Also, there is no limit on room rent for policyholders during hospitalization.
Secure Now Health Insurance Ratings has included Aditya Birla Health Insurance ‘s Active Fit plan among the A rated plans. This plan has achieved a score of 74% in the Rs 10 Lakh category (Sum Assured), while it has achieved a score of 68% in the Rs 50 Lakh Sum Assured category.
The plan has got this score in the 45 years age group. A grade rating is given only to such plans whose overall score is more than 65 percent. A plan’s inclusion in the A rating means that it not only meets the set criteria but also exceeds the standards in comprehensive coverage, benefits and overall value.
98 percent claim settlement within 30 days
The claim performance of this plan has been good. 98 percent claims have been settled within 30 days. The settlement rate in terms of number of policies has been 96 percent. However, the complaints rate is 18 per 10,000 claims, which is higher than other A rated plans. There is no limit for room rent in this plan. This means that the policyholder can choose the type of hospital as per his choice.
Wellness and restore benefits increase attraction
The wellness and restoration benefits of this policy add to its attraction. Additional support is given to maintain health. The sum assured is restored. This policy includes Outpatient Department (OPD) cover. Coverage up to Rs 20,000 is available for outpatient expenses. Apart from this, the policyholder gets daily hospital cash up to Rs 5,000. This happens in the Financial Assistance room.
Understand the waiting period before buying
Before purchasing this plan, it is important to keep in mind the waiting period of 3 years for pre-existing diseases and two years for some specific conditions. Specific conditions include Cataract, Sinusitis, PCOS etc. Some specific medical procedures are covered in this plan, for which the sub-limit is fixed. For example, the sub-limit for cataract procedure is up to Rs 40,000. The sub-limit for knee replacement is up to Rs 3 lakh.
Maternity coverage included, but after 24 months
Maternity coverage is included in this plan. This benefit starts available after 24 months of purchasing the policy. Under this, coverage up to Rs 1 lakh is available. This waiting period can create difficulties for those whose child is due to be delivered soon. Before purchasing this policy, the policyholder needs to understand its waiting period and sub-limits.
