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Domiciliary hospitalisation treatment refers to treatment taken at home which would otherwise have required hospitalisation. This could be due to patients conditions to unable to move to a hospital or due to unavailability of beds in hospitals
Following are the treatments/illnesses that are excluded under domiciliary hospitalisation cover
- Asthma
- Bronchitis
- Diarrhoea and all types of dysenteries including gastroenteritis
- Chronic Nephritis and Chronic Nephritic syndrome
- Pyrexia of unknown origin for less than 10 days
- Diabetes mellitus and Insipidus
- Epilepsy
- Hypertension
- Influenza, cough and cold
- Tonsillitis, Upper respiratory tract infection including laryngitis and Pharyngitis
- Arthritis, Gout and Rheumatism
- All psychiatric and psychosomatic disorders
Following are the major 11 critical illnesses covered under the Activ Health plan
- Cancer of specified severity
- Myocardial infarction (first heart attack of specified severity)
- Open chest CABG
- Coma of specified severity
- Open heart replacement or repair of heart valves
- Kidney failure requiring regular dialysis
- Stroke resulting in permanent symptoms
- Major organ/bone marrow transplant
- Permanent paralysis of limbs
- Motor neurone disease with permanent symptoms
- Multiple sclerosis with persisting symptoms
Health insurance plans not only give comprehensive protection but also benefit you by saving a few amounts of tax. You can avail tax deduction on premiums paid towards health insurance plans taken for self, spouse, children and parents. Here are the details
|
Description |
The maximum premium for self, spouse and dependent children | Maximum premium for parents (dependent/non-dependent) | Total deductions available under Section 80D of IT Act |
| All members of the family < 60 years of age | INR 25,000 | INR 25,000 | INR 50,000 |
| Self, spouse and children < 60 years ageEither of the parents > 60 years age | INR 25,000 | INR 50,000 | INR 75,000 |
| Self > 60 years ageSpouse and children < 60 years of ageParents > 60 years age | INR 50,000 | INR 50,000 | INR 1,00,000 |
Aditya Birla Health Insurance Company helps you focus on well-being and health management along with protection offered in the way of a diverse range of health insurance plans. Below are the wellness programs offered by the company
- Activ together – you can subscribe to get valuable input on health & fitness, diet & nutrition and lifestyle conditions
- Activ age – you can know your active age health-wise by filling in just a simple questionnaire. This would help you improve and maintain your good health
- Healthy heart score – you can calculate heart score on their website. Aditya Birla Health Insurance policies reward you for maintaining a good score!
- Activ Dayz – you can keep updating about your activities that promote good health and earn rewards.
- HealthReturns – It is a monetary reward offered by Aditya Birla Health Insurance Company for staying fit and maintaining good health for each insured person.
Following are the major health services offered by Aditya Birla Health Insurance Company
- Chronic care management program – This service comes as an in-built feature with Activ Health Platinum cover. In case an insured or his family members are suffering from chronic diseases like diabetes, blood pressure and cholesterol, the program helps them manage well to live a healthy life through experts help. Along with this, there is coverage offered for consultation with medical practitioners, diagnostic tests and medicines.
- Wellness coaching –Under this service, insured is given personal coaching to maintain good health. Insured can seek coaching by various options like ask specialist, ask a doctor, ask a dietitian, doctor on call, a counsellor on call and smoke cessation.
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