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Aditya Birla Platinum Enhanced Plan offers unique healthcare benefits such as health insurance protection with wellness benefits and chronic care. Individuals can avail of the benefits on an individual and family floater basis. The minimum entry age is 91 days, with no maximum entry age. Dependent children from 91 days to 25 years are covered under the family floater policy. Coverage is available for yourself, your legally wedded spouse, up to 3 dependent children, parents, parents-in-law, and more.
The plan provides a wide range of sum insured options from 2 Lakhs to 2 Crores. You can double your sum insured in 2 claim-free years, earn health rewards, avail coverage for chronic illnesses from day one, access expert health coaches, and enjoy a waiver of premiums on the diagnosis of critical illnesses, among other benefits.
| PLAN DETAILS |
Aditya Activ Health Platinum Enhanced Policy |
Zuno Empower Health Insurance |
| Product Type | Individual and Family Health Insurance | Individual |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Covered | Not Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Covered | Not Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
12900 | 10000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Covered | Not Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Covered | Not Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | Not Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Covered | Not Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Not Covered | Not Available |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Covered | Not Available |
| Plan Entry Age | Minimum: 91 Days Children: 3 Months to 25 Years Maximum: No Limit | Min- 3 months, Max- No age limit |
| Plan Premium Entry Age and S/A | 10 Lakh | 7,600 |
| Plan Waiting Period | 30 days | 30 |
| Plan Coverage | In-patient hospitalization, Pre-hospitalization (60 days), Post-hospitalization (180 days), Daycare procedures | Hospitalization expenses, pre post expenses, daycare treatments, AYUSH modern treatment |
| Plan Sample Premium | Rs. 8,000 | 7,600 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1, 2, 3 years | 1 year |
| ICU Charges | Covered | Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Covered | Covered |
| Automatic Restoration | Covered | Not Covered |
| Ayush Treatment | Covered | Covered |
| Modern Treatment | Covered | Covered |
| E Consultation | Not Covered | Not Covered |
| Air Ambulance | Covered | Not Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | 96 | 98.54 |
| Solvency Ratio | 1.88 | 1.97 |
|
Aditya Birla Activ Health Platinum Enhanced Plan Review |
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