Deutsche Bank has tied-up with Aditya Birla Health Insurance Company to bring you Health Insurance plans which offers you a wide range of benefits and features to suit your needs best.

Activ Health Platinum Enhanced Plan

Everyone, irrespective of age, gender or income, needs health insurance. Due to changing lifestyle, health related problems have increased recently. This makes it even more important to invest in a health insurance plan that can safeguard you against financial burden in case of an emergency.

'Activ Health' is unique health insurance plan which not only protects you against rising healthcare costs but also encourages you to maintain a healthy lifestyle.

Aditya Birla Activ Health offers you:

  • A wide choice of sum insured options
  • A first of its kind choice of hospital room category
  • Coverage for diseases like diabetes, hypertension, high cholesterol and asthma
  • Rewards up to 30% of premiums back as HealthReturnsTM on staying active
  • Family discount and long term policy discount
  • Life-long renewability
  • Annual health check-up starting from first year itself
  • 24x7 claims assistance on Aditya Birla Health Insurance toll free number
  • Cashless facility at wide network of quality hospitals
  • Tax benefits as per Section 80D of income tax act

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Enhanced Plan

  • Sum Insured Range: Rs. 2 lakhs, Rs. 3 lakhs, Rs. 4 lakhs, Rs. 5 lakhs, Rs. 6 lakhs, Rs. 7 lakhs, Rs. 8 lakhs, Rs. 9 lakhs, Rs. 10 lakhs, Rs. 15 lakhs, Rs. 20 lakhs, Rs. 25 lakhs, Rs. 30 lakhs, Rs. 40 lakhs, Rs. 50 lakhs, Rs. 100 lakhs, Rs. 150 lakhs and Rs. 200 lakhs.
  • Term: 1, 2 or 3 years.
  • Eligibility: Minimum entry age - 91 days, Maximum entry age - no limit
  • Pre-existing disease waiting period: 36 months
  • Zone based coverage and premiums are charged accordingly.

  • Coverage

    • In-patient Hospitalization: Aditya Birla Health Insurance will cover expenses such as hospital room rent, doctor’s fee, operation theatre expenses and other consumables under the policy as per your eligibility.

      You have a choice to select your hospital room category:
      • Any room (available for sum insured greater than Rs. 7 lakhs)
      • Single Private Room
      • Shared Room (available for sum insured less than Rs. 5 lakhs)
    • Benefit for Hospital Room Choice: Aditya Birla Health Insurance gives you the flexibility on choosing the room category that you want, but if you get treated in a lower room category than eligible, you get a pre-defined percentage of payable claims back in the form of HealthReturnsTM.
    • HealthReturnsTM: Aditya Birla Health Insurance policy rewards you for staying fit and healthy and these rewards are accumulated in the form of HealthReturnsTM. You can use these rewards for something as small as getting medicines for a fever or even for a surgery that is not covered due to a waiting period or excluded in the policy. You can also use this for paying your future premiums.
    • Chronic Management Program: Aditya Birla Health Insurance cover chronic illnesses of diabetes, hypertension, high cholesterol and asthma. The team of specialists and doctors help you keep these conditions in control through consultation with medical practitioners, diagnostics tests and pharmacy benefits.
    • Worldwide Emergency Assistance Services: Where a medical facility is not available near you and you need immediate medical help, Aditya Birla Health Insurance will evacuate you in an air ambulance if required, and then take you back home.
    • Reload of Sum Insured: In case the sum insured with cumulative bonus (if any) is insufficient as a result of previous claims in that policy year, then you get an additional sum insured for your health needs resulting out of an illness unrelated to previous claims in that policy year.
      In case of a hospitalisation due to an accident, reload of sum insured can be triggered in the 1st claim itself.
    • Pre and post hospitalization Medical Expenses: Aditya Birla Health Insurance cover your expenses 60 days before you get admitted to a hospital and 180 days after you get discharged from a hospital, if your in-patient hospitalization claim has been accepted.
    • Day Care Treatment: Certain medical procedures do not require a 24-hour hospitalization; Aditya Birla Health Insurance will cover you for such 527 day care procedures.
    • Organ Donor Expenses: In case of organ transplants, Aditya Birla Health Insurance not only cover you but also covers the medical expenses of the organ donor for harvesting the organ.
    • Road Ambulance Cover: In case of an emergency, Aditya Birla Health Insurance will cover costs incurred on transportation to a hospital as per actuals if services are availed from a network provider and Rs. 5,000 per hospitalization in a non-network provider.
    • Domiciliary Hospitalization:Aditya Birla Health Insurance will cover your medical expenses in case you need to get treated at home, if your health condition did not allow hospital transfer or due to unavailability of a bed at the hospital.
    • Health Check-up Program:Aditya Birla Health Insurance provide a free health check-up for each adult once in a policy year customized to the life stage you are in.
    • Cumulative Bonus: Aditya Birla Health Insurance increases the sum insured by 20% each year that you do not claim, maximum up to a 100%. There is no claw back of this bonus even if you claim in subsequent years.
    • Recovery Benefit:If you are hospitalised for at least 10 consecutive days then Aditya Birla Health Insurance give you a lump sum amount of 1% of Sum Insured, max of Rs. 10,000.
    • Second E-Opinion on Critical Illness: Aditya Birla Health Insurance provide you with a second e-opinion for 11 Critical Illnesses through a consortium of well qualified international specialists.
    • Wellness Coach: Aditya Birla Health Insurance team of specialised wellness coaches guide you through your wellness journey by giving you advise on nutrition, fitness, weight management and tobacco cessation.
    • Deductible: Aditya Birla Health Insurance offer deductible options that apply on the sum of all admissible claims in that policy year.

      Sum Insured: Rs. 6 lakhs, Rs. 7 lakhs, Rs. 8 lakhs, Rs. 9 lakhs, Rs. 10 lakhs, Rs. 15 lakhs, Rs. 20 lakhs, Rs. 25 lakhs.

      Deductible options: Rs. 25,000, Rs. 50,000, Rs. 1 lakh, Rs. 2 lakhs, Rs. 3 lakhs, Rs. 4 lakhs, Rs. 5 lakhs.

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Waiting periods and key exclusions

  • First 30 days waiting period: Any treatment during the first 30 days from the policy start date shall not be covered, unless the treatment is required as a result of an accident.
  • Two years waiting period: Two years waiting period will be applicable for specific illnesses / conditions and their complications.
  • Pre-existing disease waiting period: 36 months waiting period will be applicable for any pre-existing diseases / illness / injury / conditions.

Key Exclusions:

Aditya Birla Health Insurance will not pay any claims arising out of or attributable to any of the following:

  • HIV / AIDS and its complications
  • Genetic disorders
  • Mental disorders
  • Treatment for alopecia, baldness
  • Dental treatment and surgery
  • Cosmetic and aesthetic surgeries
  • Suicide or drug abuse

The above list is only indicative and not exhaustive. Please refer to the policy terms and conditions for complete details. These exclusions and waiting periods don’t apply to HealthReturnsTM.

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Activ Assure - Diamond Plan

Benefits:
  • Comprehensive range of sum insured up to 2 crores
  • 150% reload of sum insured for subsequent claims due to unrelated illness 
  • Coverage for 586 day care procedures
  • No Claim Bonus (NCB) of 10% of sum insured for every claim-free year
  • Earn HealthReturnsTM worth up to 30% of premium by earning Active Dayz and staying healthy. Active Dayz can be earned through plethora of exercising options such as running, walking, yoga and many more
  • Coverage for AYUSH In-Patient hospitalization comprising of Ayurveda, Yoga and Naturopathy, Unani, Siddha, and Homeopathic treatment
  • International and Domestic Emergency Assistance Services including air ambulance
  • Range of comprehensive optional covers such as Super NCB, unlimited reload of sum insured, and any room upgrade

Diamond Plan

Sum Insured Range: Rs. 2 lakhs, Rs. 3 lakhs, Rs. 4 lakhs, Rs. 5 lakhs, Rs. 7 lakhs, Rs. 10 lakhs, Rs. 15 lakhs, Rs. 20 lakhs, Rs. 25 lakhs, Rs. 30 lakhs, Rs. 40 lakhs, Rs. 50 lakhs, Rs. 75 lakhs, Rs. 100 lakhs, Rs. 150 lakhs and Rs. 200 lakhs.
  • Eligibility:

    • Individual Policy - Minimum entry age 5 years and there is no maximum age of entry

    • Family Floater Policy - Dependent children from 91 days to 5 years will be covered only if one adult is covered in the floater policy. There is no maximum age of entry. Up to 6 members (2 adults + 4 children) covered comprising of self, spouse and dependent children (up to 25 years) in a single policy
  • Pre-existing disease waiting period: 48 months

Coverage


  • In-patient Hospitalization: In case of a hospitalization of more than 24 hours due to a planned treatment or an unforeseen emergency, expenses like room rent, doctor’s fee, operation theatre expenses, medicines, drugs and other consumables are covered under the policy as per customer’s eligibility.
  • Pre-hospitalization medical expenses: Customer may incur expenses for consultations or diagnostic tests before hospitalization, such costs will be covered up to 30 days before hospitalization where a claim under in-patient hospitalisation / domiciliary hospitalization / day care treatment is accepted.
  • Post-hospitalization medical expenses: Customer may incur expenses for medicines, diagnostic tests or physiotherapy, such costs will be covered up to 60 days after discharge from the hospital where a claim under in-patient hospitalisation / domiciliary hospitalization / day care treatment is accepted.
  • Day care treatment: Due to advancements in medical science, certain medical procedures like a dialysis may not require a 24-hour hospitalization, this plan covers the customer for such 586 procedures as well.
  • Domiciliary Hospitalization (Home Care): Medical expenses covered in case customer need to get treated at home, if the health condition did not allow hospital transfer or due to unavailability of a bed at the hospital
  • Road Ambulance Cover: In case of an emergency, costs incurred on transportation to a hospital by a road ambulance is covered as per eligibility.
  • Organ Donor Expenses: In case of organ transplants to the customer, not only the customer is covered , but also the medical expenses of the organ donor for harvesting the organ for customer’s use, as per the eligibility.
  • Reload of Sum Insured: In case the sum insured with no claim bonus (if any) / super NCB (if opted) is insufficient as a result of previous claims in that policy year, then customer gets an additional 150% of sum insured, maximum up to 50 lakhs, for hospitalization due to an illness unrelated to previous claims in that policy year.
  • AYUSH In-patient treatment: Customer is paid as per eligibility, for medical expenses incurred towards in-patient hospitalization under AYUSH (Ayurveda, Yoga and Naturopathy, Unani, Siddha, and Homeopathy) treatment.
  • Daily Allowance: For each day that the customer gets hospitalized, he gets an additional benefit of Rs. 500 per day as daily allowance. This benefit shall be payable for a maximum limit of 5 days per hospitalization and is applicable only for sum insured up to Rs. 4 lakhs.
  • Vaccination: Vaccination expenses for children up to 18 years of age included in the policy will be covered as per the schedule provided. This benefit is applicable only for sum insured of 1 crore and above.
  • No Claim Bonus: With this plan, customer gets benefits even if he does not claim. Customer gets No Claim Bonus which is 10% of sum insured for each year that customer does not claim. Whenever there is a claim, No Claim Bonus reduces by the same rate at which it increased, which is 10% of sum insured. The maximum limit for No Claim Bonus is 50% of sum insured.
  • Health Check-up Program: Free health check-up for each and every insured member once in a policy year is given, customized to the life stage customer is in. The tests are based on the age and sum insured.
  • Second E-Opinion on Critical Illness: When it comes to detection of a major illness such a cancer, kidney failure or heart attack, then a second opinion is always helpful. This plan provides the customer with a second e-opinion through a consortium of well qualified specialists.
  • Domestic / International Emergency Assistance Services (including Air Ambulance): We travel on work or sometimes to get away from our busy lives and sometimes we may end up going to places that are remote. In such cases where an adequate medical facility is not available and customer needs medical help, this plan helps customer reach such a medical facility and then take him back to his home.
  • HealthReturnsTM: This plan rewards customers for staying fit and healthy and these rewards are accumulated in the form of HealthReturnsTM. Customers can start earning HealthReturnsTM by completing the following steps

    • Complete a health assessment which as a result provides customer’s a healthy heart score
    • Start exercising to earn Active Dayz
    • Earn HealthReturnsTM monthly based on the accumulated Activ DayzTM and Healthy Heart Score. Customers can use these HealthReturnsTM for something as small as getting medicines for a fever or even for a surgery that is not covered due to a waiting period or exclusion in the policy. Furthermore, he can use HealthReturnsTM for paying premium from the first renewal of the policy.
  • Health Coach: At times when customer is suffering from any of the chronic conditions, a coaching session with a specialist may help. This plan gives customer a personalized coaching by a medical expert who will guide him through his health journey when he is suffering from asthma, hypertension, hyperlipidemia or diabetes mellitus. These coaching session shall be provided on telephonic discussion with the customer to help him become healthier version of himself.

Optional Covers

  • Unlimited reload of Sum Insured: Through this optional cover, customer’s sum insured can be reinstated unlimited times, whenever needed it the most. If, due to claims made, customer runs out of his health cover, this plan will reinstate the entire sum insured unlimited times in a policy year. This benefit is an extension of reload of sum insured.
  • Super NCB: With Super NCB, customer’s sum insured increases by 50% every claim-free year with a maximum accumulation of 100% of sum insured. The accumulated Super NCB serves as an extension to the inbuilt NCB. Customer can opt for Super NCB either when applying for the policy, or at renewal. In case of a claim, Super NCB reduces at the same rate at which it has increased, which is 50% of sum insured.
  • Any room upgrade: This optional cover gives customer the necessary freedom and helps him to get admitted in a hospital without any restriction on type of room. This optional cover is applicable for sum insured Rs. 5 lakh and above.

Waiting Periods and Key Exclusions

  • First 30 days waiting period: In the first year of the policy cover there is a 30 days waiting period for any treatment, except an accidental injury.
  • Two years waiting period: Two years waiting period will be applicable for specific illnesses / conditions and their complications.
  • Pre-existing disease waiting period: 48 months waiting period will be applicable for any pre-existing diseases / illness / injury / conditions.

Key Exclusions:

  • War, act of foreign enemy, uprising, revolution, insurrection, military or usurped acts
  • Breach of law with criminal intent, intentional self injury
  • Abuse or the consequences of the abuse of intoxicants or hallucinogenic substances
  • Cosmetic, aesthetic and re-shaping treatments and surgeries
  • Hearing aids, spectacles or contact lenses including optometric therapy
  • Psychiatric or psychological disorders, mental disorders

The above list is only indicative and not exhaustive. Please refer to policy wordings for detailed list of exclusions and waiting periods.

Activ Care Plan

Product Name Standard Classic Premier
Sum Insured (S.I.) Options Rs. 3L, 4L, 5L, 7.5L, 10L 3L, 4L, 5L, 7.5L, 10L 5L, 7.5L, 10L, 25L
Basic Covers
In-patient Hospitalisation Covered Covered Covered
Room Type Shared Room Shared Room Single private AC room
ICU Covered upto S.I. Covered upto S.I. Covered upto S.I.
Pre – hospitalisation Medical Expenses 30 days (max 5% of total hospitalisation expenses combined for both pre and post hospitalisation) 30 days 30 days
Post – hospitalisation Medical Expenses 60 days (max 5% of total hospitalisation expenses combined for both pre and post hospitalisation) 60 days 60 days
Day Care Treatment 586 Day care procedures covered 586 Day care procedures covered 586 Day care procedures covered
Domiciliary Hospitalisation Not Available Covered up to 10% of S.I. Covered upto S.I.
Road Ambulance Cover upto Rs. 2000 / Hospitalisation upto Rs. 2000 / Hospitalisation Network ProvideRs. - Covered upto Actual expenses
Non-network Providers- Up to Rs. 5000 / hospitalisation
Organ Donor Expenses Not Available Covered upto 50% of S.I. Covered upto S.I
Reload of Sum Insured 50% of S.I. once per year 100% of S.I. once per year 100% of S.I. once per year
Ayush (In-patient Hospitalisation) Not Available Covered upto 10% S.I. Covered upto 25% S.I.
Sublimit for listed illnesses As specified in Appendix 1 As specified in Appendix 1 As specified in Appendix 1
Home Treatment S.I. 3L, 4L - Rs. 25000
S.I. 5L and above - Rs. 50000
S.I. 3L, 4L - Rs. 25000
S.I. 5L and above - Rs. 50000
S.I. 5L and above - Rs. 50000
Additional Benefits
No Claim Bonus 10% of the S.I. at each renewal in respect of each claim free year of insurance, subject to maximum of 50% 10% of the S.I. at each renewal in respect of each claim free year of insurance, subject to maximum of 50% 10% of the S.I. at each renewal in respect of each claim free year of insurance, subject to maximum of 50%
Domestic Emergency Assistance Services (including Air Ambulance) Available Available Available
International Emergency Assistance Services (including Air Ambulance) Available Available Available
OPD Treatment Not Available Not Available Available upto Rs. 2500 over and above SI
Care Benefits
Health Assessment once a policy year once a policy year once a policy year
Comprehensive Health Check-up Not available once a policy year (only for SI 5L, 7.5L and 10L) once a policy year
Health Coach Available (2 sessions per year) Available (only for SI 3L and 4L) Not available
Personal Health Coach Not available Available (SI 5L and above) Available
HealthReturnsTM Available Available Available
Second E Opinion on major illnesses Available Available Available
Health and Wellness discount Available Available Available
Optional Care Benefits
Nursing at Home Qualified nurse (maximum upto Rs. 1500 / day for 15 days per policy year) Qualified nurse (maximum upto Rs. 1500 / day for 15 days per policy year) Qualified nurse (maximum upto Rs. 1500 / day for 15 days per policy year)
Lifestyle support equipment Available As specified in Appendix 1 Available As specified in Appendix 1 Available As specified in Appendix 1
Portable medical equipment Available As specified in Appendix 1 Available As specified in Appendix 1 Available As specified in Appendix 1
Advance Health Check-up Available Available Available
Optional Covers
Room Upgrade From shared to single private A.C room From shared to single private A.C room From single private AC room to any room except suite & above
PPN Discount 10% discount applicable 10% discount applicable 10% discount applicable

Notes:

  • Eligibility and Coverage:
    Minimum age at entry : 55 years
    Maximum age at entry : 80 years
    Age is calculated as no. of years completed as on last birthday.
  • Family combination type: 1 Adult and 2 Adults (Self and Spouse only):
  • Policy Type: The policy can be purchased on an Individual basis or a Family floater (Self and spouse only) basis.
    • In case of an Individual policy, each Insured Person under the policy will have a separate Sum Insured.
    • In case of a floater Policy, one family will share a single Opted Sum Insured.
    • Proposer may not necessarily be an insured member
  • Relationships allowed between insured members under Individual, family floater combination - Self, legally married spouse as long as they continue to be married
  • Note: In case of a family floater policy premium to be calculated on the basis of age of eldest member.
  • Optional covers / Optional Care Benefits under family floater policies, if chosen, will be applicable to all members in the Policy. For Multi Individual policy, any Optional covers / Optional Care Benefits may be selected for any member.
  • Renewal age: No limit
  • Tenure (years) of Plan: 1 year, 2 year.
  • A long term discount of 7.5% on selecting a 2 years Policy. Long term discount will apply only in case of Single Premium Policies.
  • Family Discount on multi individual policy: 2 members in a policy – 5% discount on premium applicable
  • PPMC is mandatory in all plans as per Age and Sum Insured chosen
  • Initial waiting period (not applicable in case of accident and subsequent renewal) : 30 days for all plans
  • 24 months Specific illness waiting period applicable for Classic Plan and Premier Plan
    For Standard Plan 24 month specific illness waiting period except 48 month waiting period for Joint Replacement Surgery
  • Pre - Existing Illness waiting period :
    24 months (For all Plans)
  • Sublimit
    Standard Plan : Cataract (per eye): upto Rs. 25000
  • Co-payment
    Standard and Classic : 20% co pay for all Inpatient Hospitalisation, Domiciliary, Ayush, Home Treatment and Day care claims
    Premier : 10% co pay for all Inpatient Hospitalisation, Domiciliary, Ayush, Home Treatment and Day care claims
  • Nursing at Home, Home Treatment : The limit specified in the benefit table is a per Policy Year Limit. Applicable on a floater basis for a floater policy and applicable per life basis for an Individual policy

Appendix


Sublimit for listed illnesses at policy level Standard Classic Premier
Alzheimer's disease Rs. 3000 Rs. 5000 Rs. 25000
Anterograde amnesia
Anxiety disorder
Bipolar disorder
Huntington's disease
Obsessive-compulsive disorder (OCD)
Panic disorder
Psychosis
Retrograde amnesia
Schizophrenia
Other Mental Illnesses

Disclaimer:
Aditya Birla Health Insurance Co. Limited. IRDAI Reg.153. CIN No. U66000MH2015PLC263677.
Product Name: Activ Care, Product UIN: ADIHLIP21062V022021. Advertisement UIN: ABHI/LF/20-21/3177.
Address:- 9th Floor, Tower 1, One Indiabulls Centre, Jupiter Mills Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai 400013. Email: care.healthinsurance@adityabirlacapital.com, Website: adityabirlahealthinsurance.com, Telephone: 1800 270 7000, Fax: +91 22 6225 7700. For more details on risk factors, terms and conditions please read terms and conditions carefully before concluding a sale. Trademark/Logo Aditya Birla Capital is owned by Aditya Birla Management Corporation Private Limited and Trademark / logo HealthReturns, Healthy Heart Score and Active Dayz are owned by Momentum Metropolitan Life Limited (Formerly known as MMI Group Limited). These trademark / Logos are being used by Aditya Birla Health Insurance Co. Limited under licensed user agreement(s). Deutsche Bank (IRDAI Reg.No: CA0020) is a Corporate Agent of Aditya Birla Health Insurance Co. Limited. Tax benefit are subject to changes in tax laws. Please consult your tax advisor. Cashless treatment is available with selected network Providers. Coronavirus is covered for Inpatient treatment as per the policy wordings of the product. *Refer to policy wording before buying the policy.

Global Health Secure Plan

Sum Insured 300 Lac, 600 Lac
Number of major illnesses covered 16 major illness
Worldwide major illness In-patient Hospitalisation (outside India) Upto Sum Insured
Post hospitalisation expenses 30 days
Organ Donor Expenses Upto Sum Insured
Travel Expenses Upto Sum Insured
Accommodation Expenses Upto Sum Insured
Repatriation of mortal remains Upto Sum Insured
Additional Benefits
International Second E-opinion for major Illness Available
Visa documentation guidance Available
PED Option
Pre existing diseases waiting period 24 / 36 / 48 months waiting period

List of major illness

  • Cancer Treatment
  • Coronary Artery By-Pass surgery
  • Heart Valve Replacement
  • Major Organ Transplantation
  • Bone Marrow Transplant
  • Neurosurgery
  • Pulmonary artery graft surgery
  • Aorta Graft Surgery
  • Coronary Artery By-Pass surgery post occurrence of Myocardial Infraction
  • Surgical treatment for Stroke
  • Surgical treatment for benign Brain tumour
  • Lung Transplant Surgery in case of End Stage Lung Disease
  • Kidney Transplant Surgery in case of End Stage Renal Failure
  • Skin grafting surgery for Major Burns
  • Surgical treatment of Coma
  • Surgery for Pheochromocytoma

All Claims on cashless basis only, except Post hospitalisation expenses and Repatriation of mortal remains

Notes:

  • Eligibility and Coverage:
    Minimum age at entry : 91 days
    Maximum age at entry : 65 years
    Age is calculated as no. of years completed as on last birthday.
  • Policy Type: The policy can be purchased on an Individual or multi individual basis only
    In case of an Individual policy, each Insured Person under the policy will have a separate Sum Insured.
    Relationships covered (Proposer’s relationship with the Proposed Insured Member): Self, legally married spouse as long as they continue to be married, 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.
  • Proposer may not necessarily be an insured member
  • Relationships allowed between insured members under Individual - Self, legally married spouse as long as they continue to be married, 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.
  • Renewal age: No limit
  • Tenure (years) of Plan: 1 year, 2 year, 3 years.
  • A long term discount of 7.5% on selecting a 2 and 3 years Policy. Long term discount will apply only in case of Single Premium Policies.
  • PPMC is mandatory in all plans as per Age and Sum Insured chosen
  • Initial waiting period (not applicable in case of accident and subsequent renewal) : 30 days for all plans
  • Specific illness waiting period: 24 months applicable
  • The Policy has a cap on Life time Sum Insured claimable under this policy amounting to twice the annual sum Insured at the time of first detection of any major illness within the policy period
  • All insured members under this product shall mandatorily have a domestic (Indian) Health Insurance indemnity policy with Sum Insured of 10 lakhs and above.
Disclaimer:
Aditya Birla Health Insurance Co. Limited. IRDAI Reg.153. CIN No. U66000MH2015PLC263677.
Product Name: Global Health Secure, Product UIN: ADIHLIP21069V022021. Advertisement UIN: ABHI/LF/20-21/3178
Address:- 9th Floor, Tower 1, One Indiabulls Centre, Jupiter Mills Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai 400013. Email: care.healthinsurance@adityabirlacapital.com, Website: adityabirlahealthinsurance.com, Telephone: 1800 270 7000, Fax: +91 22 6225 7700. For more details on risk factors, terms and conditions please read terms and conditions carefully before concluding a sale. Trademark / Logo Aditya Birla Capital is owned by Aditya Birla Management Corporation Private Limited and Trademark / logo HealthReturns, Healthy Heart Score and Active Dayz are owned by Momentum Metropolitan Life Limited (Formerly known as MMI Group Limited). These trademark / Logos are being used by Aditya Birla Health Insurance Co. Limited under licensed user agreement(s). Deutsche Bank (IRDAI Reg.No: CA0020) is a Corporate Agent of Aditya Birla Health Insurance Co. Limited. Cashless treatment is available with selected network Providers. Refer to policy wording before buying the policy.

Corona Kavach Policy

Name Corona Kavach Policy, Aditya Birla Health Insurance Co. Limited
Product Type Individual / Floater
Category of Cover Indemnity / Benefit
Sum insured Rs. 50,000/- (Fifty Thousand) to 5,00,000/- (Five Lakh) (in the multiples of fifty thousand)
On Individual basis - SI shall apply to each individual family member
On Floater basis - SI shall apply to the entire family
Policy Period Three and Half Months (3 ½ months), Six and Half Months (6 ½ months), Nine and Half Months (9 ½ months) including waiting period.
Eligibility Policy can be availed by persons between the age of 18 years up to 65 years as Proposer. Proposer with higher age can obtain policy for family, without covering self.
Policy can be availed for Self and the following family members
i. legally wedded spouse.
ii. Parents and Parents- in-law.
iii. Dependent Children (i.e. natural or legally adopted) between the day 1 of age to 25 years. If the child above 18 years of age is financially independent, he or she shall be ineligible
Hospitalisation Expenses Medical Expenses of Hospitalisation for COVID for a minimum
Period of 24 consecutive hours only shall be admissible
Pre Hospitalisation For 15 days prior to the date of hospitalisation / home care treatment
Post Hospitalisation For 30 days from the date of discharge from the hospital / completion of home care treatment
Sub-limits Hospital Daily Cash: 0.5% of Sum Insured per day subject to maximum of 15 days in a policy period for every insured member
Home care treatment: Maximum up to 14 days per incident
AYUSH Medical Expenses incurred for Inpatient Care treatment for COVID under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy systems of medicines shall be covered up to sum insured during the Policy period as specified in the policy schedule.
Home Care Treatment Expenses The Company shall indemnify costs of treatment incurred by the Insured person on availing treatment at home for COVID on Positive diagnosis of COVID in a government authorized diagnostic center maximum up to 14 days per incident, which in the normal course would require care and treatment at a hospital but is actually taken while confined at home subject to policy terms and conditions

Disclaimer:
Aditya Birla Health Insurance Co. Limited. IRDAI Reg.153. CIN No. U66000MH2015PLC263677.
Product Name: Corona Kavach Policy, Aditya Birla Health Insurance Co. Limited., Product UIN: ADIHLIP21080V012021, Advertisement UIN: ABHI/LF/20-21/3179 Address: 9th Floor, Tower 1, One Indiabulls Centre, Jupiter Mills Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai 400013. Email: care.healthinsurance@adityabirlacapital.com, Website: adityabirlahealthinsurance.com, Telephone: 1800 270 7000, Fax: +91 22 6225 7700. Trademark / Logo Aditya Birla Capital is owned by Aditya Birla Management Corporation Private Limited. These trademark / Logos are being used by Aditya Birla Health Insurance Co. Limited under licensed user agreement. Product Name: Corona Kavach Policy, Aditya Birla Health Insurance Co. Limited. Deutsche Bank (IRDAI Reg.No: CA0020) is a Corporate Agent of Aditya Birla Health Insurance Co. Limited. Refer to policy wording before buying the policy.

Apply for Aditya Birla Activ Health

Apply Online
SMS ACTIV to 561615
Call 18602666601#



#Customers outside India need to dial +91 22 6601 6601. Customers in Mumbai can also call at +91 22 6601 6601. Call charges apply.

Conditions apply
Insurance is a subject matter of solicitation.

Please refer to the respective product brochures and sales illustrations for details of each product and risk factors before concluding any sale.

Deutsche Bank AG, India (“Deutsche Bank”) is a licensed corporate agent of Aditya Birla Sun Life Insurance Company Limited, Max Bupa Health Insurance Company Limited, Aditya Birla Health Insurance Company and HDFC ERGO General Insurance Company Limited under the composite license number CA0020. All insurance products are underwritten by the respective insurance company and are subject to the terms and conditions of the relevant policy issued by that insurance company. They are neither bank deposits nor constitute obligations of or guaranteed by Deutsche Bank or any of its affiliates or subsidiaries or any governmental agency. This communication shall not be construed as investment advice and all decisions to purchase the policy shall be the personal judgement of the customer arrived at after due consideration. The tax benefits on your Policy would be as per the prevailing provisions of the Income Tax Act, 1961 and Income Tax Rules, 1962, as may be amended, modified or substituted from time to time.

This document does not constitute the distribution of any information or the making of any offer or solicitation by anyone in any jurisdiction in which such distribution or offer is not authorized or to any person to whom it is unlawful to distribute such a document or make such an offer or solicitation. Neither this document nor anything contained herein shall form the basis of any contract or commitment whatsoever. You should take all relevant factors including independent expert advice into account before making any investment or other decision by using the content of this publication.

Deutsche Bank does not guarantee or make any representation, express or implied, with respect to the fairness, correctness, accuracy, adequacy, reasonableness, reliability, usefulness, viability or fitness for any particular purpose or completeness of any information in this email and is not responsible for any errors or omissions or for results obtained from the use of such information. Deutsche Bank also disclaims all liability in respect of use of any third party information or offering, whether proprietary or otherwise.

The premium paid in Unit Linked Life Insurance policies are subject to market and investment risks. NAVs of the units may go up or down based on the performance of the fund and factors influencing the capital and money markets. Yield or a fund’s past performance should not be considered as an indication or guarantee of future yield or results. There is no assurance or guarantee that the objectives of the products will be achieved and the insured is responsible for his or her decision to invest.

Disclaimer:

For more details on risk factors, terms & conditions, please read the sales brochure carefully before concluding the sale.

*Aditya Birla Sun Life Insurance and plans offered are only the names of the Company and Policy respectively and do not in any way indicate their quality, future prospects or returns. The name of the funds offered in this plan does not in any indicate their quality, future prospects or returns.

Deutsche Bank AG, India has tied up with Aditya Birla Sun Life Insurance Company Limited (ABSLI), Max Bupa Health Insurance Company, Aditya Birla Health Insurance Company and HDFC ERGO General Insurance Company Limited, leading companies in private life insurance, health insurance and non-life insurance, to bring to you a range of products to suit your insurance needs. Visit www.deutschebank.co.in or contact your Relationship Manager for more details.

Insurance is the subject matter of solicitation. Deutsche Bank is only an agent and not an advisor in offering the insurance products. All insurance products are underwritten by the respective insurance company and are subject to the terms of the relevant policy issued by that insurance company. You are requested to familiarize yourself with the terms and conditions of each individual policy so as to make well-informed investment decisions.

Max Bupa Health Insurance Company Limited. IRDA Reg. 145, CIN no. U66000DL2008PLC182918, UIN no. MB/WB/2015-2016/561. This is only a summary of the product features. For more details on risk factors, exclusions, terms and conditions please read sales brochure carefully before concluding a sale.
Terms and conditions apply. MBHI helpline number: 1800-3010-3333. Heartbeat Health Insurance Plan: UIN: IRDA/NL-HLT/MBHI/P-H/V.III/19/16-17.
Health Companion Health Insurance Plan: UIN: IRDA/NL-HLT/MBHI/P-H/V.II/2/14-15. Health Assurance: UIN: IRDAI/HLT/MBHI/P-H/V.II/175/2016-17.

Aditya Birla Health Insurance Co. Limited. IRDAI Reg.153. CIN No. U66000MH2015PLC263677. Product UIN: ADIHLIP18077V011718. Advertisement UIN: ABHI/ONL/17-18/598 Address: 10th Floor, R-Tech Park, Nirlon Compound,  Next to Hub Mall, Off Western Express Highway, Goregaon East, Mumbai - 400063. Website: adityabirlahealthinsurance.com, Email: care.healthinsurance@adityabirlacapital.com, Telephone: 18002707000, Fax: +91 2262257700 . For more details on risk factors, terms and conditions please read terms and conditions carefully before concluding a sale. Trademark / Logo Aditya Birla Capital is owned by Aditya Birla Management Corporation Private Limited and Trademark / Logo HealthReturnsTM, Healthy Heart Score and Active Dayz are owned by MMI Group Limited. These Trademark / Logos are being used by Aditya Birla Health Insurance Co. Limited under licensed user agreement(s). Deutsche Bank is a Corporate Agent of Aditya Birla Health Insurance Co. Limited under Registration no. CA0020.

The policy is underwritten by Aditya Birla Sun Life Insurance Company Limited (ABSLI) and is a non-participating unit linked life insurance savings plan.The name of the funds offered in the plan does not in any way indicate their quality, future prospects or returns. The charges are guaranteed throughout the term of the policy unless specifically mentioned and subject to IRDA approval. The value of the investment fund reflects the value of the underlying investments. These investments are subject to market risks and change in fundamentals such as tax rates, etc affecting the investment portfolio. The premium paid in unit linked life insurance policies are subject to investment risk associated with capital markets and the unit price of the units may go up or down based on the performance of investment fund and factors influencing the capital market and the policyholder is responsible for his / her decisions. There is no guarantee or assurance of returns above the guaranteed returns from the investment funds. Service Tax and Education Cess and any other applicable taxes levied as per extant tax laws shall be deducted from the premium or from the allotted units as applicable. For more details on risk factors, terms and conditions please refer to the sales brochure carefully before concluding the sale. Tax benefits are subject to changes in the tax laws. In this policy, investment risk in investment portfolio is borne by the policyholder. Linked Insurance Products do not offer any liquidity during the first five years of the contract. The policyholder will not be able to withdraw / surrender the monies invested in Linked Insurance Products completely or partially till the end of the fifth year from inception Insurance is the subject matter of solicitation.
Regd. Office: Aditya Birla Sun Life Insurance Company Limited, One Indiabulls Centre, Tower 1, 16th Floor, Jupiter Mill Compound, 841 Senapati Bapat Marg, Elphinstone Road, Mumbai - 400013.          


IRDAI clarifies to public that IRDAI or its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premiums. IRDAI does not announce any bonus. Public receiving such phone calls are requested to lodge a police complaint along with details of phone call number.
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