Activ Assure-Diamond Plan

In-patient Hospitalization

In case of a hospitalization of more than 24 hours due to a planned treatment or an unforeseen emergency, we will cover expenses like room rent, doctor’s fee, operation theatre expenses, medicines, drugs and other consumables under the policy as per your eligibility.

Pre-hospitalization medical expenses

You may incur expenses for consultations or diagnostic tests before your hospitalization, such costs will be covered up to 30 days before your hospitalization where a claim under In-patient hospitalisation / Domiciliary hospitalization / day care treatment is accepted.

Post-hospitalization medical expenses

You may incur expenses for medicines, diagnostic tests or physiotherapy such costs will be covered up to 60 days after your 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, we will cover you for such 586 procedures as well.

Domiciliary Hospitalization (Home Care)

We 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

Road Ambulance Cover

In case of an emergency, we will cover costs incurred on transportation to a hospital by a road ambulance as per your eligibility.

Organ Donor Expenses

In case of organ transplants to you, we not only cover you, we also cover the medical expenses of the organ donor for harvesting the organ for your use, as per your 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 you get 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

We will pay you as per your eligibility, for medical expenses incurred by you towards your in-patient hospitalization under AYUSH (Ayurveda, Yoga and Naturopathy, Unani, Siddha, and Homeopathy) treatment.

Daily Allowance

For each day that you get hospitalized, you get 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 lacs

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 our policy, you get benefits even if you do not claim. We will provide you with a No Claim Bonus which is 10% of Sum Insured for each year that you do 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

We provide a free health check-up for each and every insured member once in a policy year customized to the life stage you are in. This is available from the first year itself. 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. We understand that and provide you 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 you need medical help, we will help you reach such a medical facility and then take you back to your home.

HealthReturns^TM

Our policy rewards you for staying fit and healthy and these rewards are accumulated in the form of HealthReturns^TM. . You can start earning HealthReturns by completing the following steps:

1. Complete a health assessment which as a result provides you a healthy heart score.

2. Start exercising to earn Activ Dayz.

3. monthly based on the accumulated Activ Dayz and your Healthy Heart Score.

Health Coach

At times when we are suffering from any of the chronic conditions, a coaching session with a specialist may help. We give you a personalized coaching by a medical expert who will guide you through your health journey when you are suffering from Asthma, Hypertension, Hyperlipidemia or Diabetes mellitus. These coaching session shall be provided on telephonic discussion with You to help you become healthier version of yourself.

Reduction in PED Waiting Period

Choosing this optional cover reduces your applicable waiting period of 48 months for claims related to Pre-existing diseases to, 24 months.

Unlimited Reload of Sum Insured

Through this optional cover, your sum insured can be reinstated unlimited times, whenever you need it the most. If, due to claims made, you ever run out of your health cover, we reinstate the entire sum insured unlimited times in a policy year. This benefit is an extension of Reload of Sum Insured.

Super NCB (Super No Claim Bonus)

With Super NCB (Super No Claim Bonus), your 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 your inbuilt NCB. You 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.

Accidental Hospitalization booster

In case of an unfortunate event of hospitalization due to an accident, this optional cover will provide you with an additional sum insured equal to your sum insured for in-patient hospitalization.

Cancer Hospitalization Booster

In case of an unfortunate event of hospitalization of any of the insured members aged more than 18 years due to cancer, this optional cover will provide them with an additional sum insured equal to your sum insured for in-patient hospitalization.

Any room Upgrade

This optional cover gives you the necessary freedom and helps you to get admitted in a hospital without any restriction on type of room. This optional cover is applicable for sum insured 5 Lakh and above