Activ Health Platinum Enhanced

In-Patient Hospitalization: If you need to stay in the hospital for longer than 24 hours as a result of planned treatment or an unanticipated emergency, we will pay for charges including room rent, doctor fees, operating room costs, medications, pharmaceuticals, and other consumables under the policy, depending on your eligibility. Choose the category of your hospital room.

Pre-Hospitalization Medical Expenses: Up to 60 days before your hospitalization, if the hospitalization claim is accepted by the company, costs for consultations or diagnostic tests will be covered.

Post-Hospitalization Medical Expenses: Up to 180 days following your discharge from the hospital where the hospitalization claim was accepted by the company, costs for medications, diagnostic tests, or physiotherapy will be paid.

Day Care Treatment: Since some medical procedures, such as dialysis, may not require a 24-hour hospital stay, thanks to advances in medical research, we will also pay for any such hospital stays.

Domiciliary Hospitalization: If you need to be treated at home because a hospital bed is unavailable or your health prevents you from travelling to one, we will pay for your medical expenses.

Road Ambulance Cover: If services are obtained through a network provider, we will pay the actual costs required for transportation to a hospital in the event of an emergency.

Organ Donor Expenses: In the event of an organ transplant, we not only cover you but also the organ donor's medical costs related to the organ donation process.

Reload of Sum Insured: You receive an additional sum insured for your medical needs resulting from an illness unrelated to prior claims in that policy year if the sum insured with cumulative bonus (if any) is insufficient as a result of prior claims in that policy year. Reloading of the sum insured may be initiated in the first claim itself in the unfortunate event of an accident-related hospitalization.

Cumulative Bonus: Benefits even if you don't make a claim. Every year that you do not make a claim, we increase the covered amount by 20%. Even if you claim in a subsequent year, there is no clawback of this benefit.

Health Check-up Program: Every adult is entitled to a free health examination once each insurance year that is tailored to their stage of life.

Recovery Benefit: We realize that ancillary costs like transportation to and from the hospital, attendant fees, etc. can significantly increase your overall cost if you stay in the hospital for a longer period of time. We, therefore, provide you with a one-time sum of money to cover these costs.

Benefit for Hospital Room Choice: At the commencement date of the Policy, we provide you the freedom to select the room category of your choice, and you pay a premium for the hospital room of your choice. But what if you end up receiving care in a less desirable room category? We provide HealthReturnsTM, which represents a predetermined percentage of payable claims, to you. All of your medical requirements will be met by HealthReturnsTM.

Second E-Opinion on Critical Illness: A second opinion is always beneficial when it comes to the early discovery of serious illnesses like cancer, kidney failure, or heart attacks. We are aware of this and provide you with a second e-opinion via a group of highly experienced worldwide specialists.

Worldwide Emergency Assistance Services: We travel for business purposes, occasionally to escape our hectic lives, and occasionally we may end ourselves visiting remote locations. When a suitable medical facility is not available and you require medical attention, we will assist you in finding one and then transport you back to your home.

Chronic Management Program: We are aware that illnesses can strike anyone at any time; they are not something you choose to obtain. If the right medication and care are taken, conditions like diabetes, hypertension, high cholesterol, and asthma can be treated. To assist you to manage these illnesses and maintain your health, our group of specialists and medical professionals has created a special program. This covers doctor consultations, diagnostic procedures, and drugstore advantages.

Health Returns™: Your continued good health is rewarded by our policy, and these benefits are accrued in the form of HealthReturnsTM. You can utilize these benefits for anything from simple purchases like fever-relieving medications to larger expenses like surgery that is not covered by the policy because of a waiting period or other exclusion. Additionally, you can use this to pay your premium starting with the first insurance renewal.

Wellness Coach: Our job and schedules are constantly on our minds, but what about our diet, exercise, and nutrition? We assign you a certified wellness coach who will help you on your wellness journey and offer advice on how to live your healthiest life.