ADITYA BIRLA HEALTH INSURANCE Activ One Nxt

[Trishbh]

Is this Good company. I like some options

1. No Max Age Cap
2. If you cover 10000 steps per day 325days 100% Policy amount Cashback not GST amount ( 156 Days 30% & 225 Days 50%)
3. If your sum 10Lakh, Company pay 20 Lakh without any cap

Let me know is this right Company?

 

[ShavirB]

Company is decent. Some things which you need to check

1) Waiting period for pre-existing illness ( less than 4 years)
2) Claims settlement ratio (should be >95%)
3) Annual premiums in comparison to other players
4) Room Rent Limit (ideally it shouldn't be there)
5) Claims process (how easy or tough)

 

[Trishbh]

1) Waiting period for pre-existing illness ( less than 4 years) - My Mom is age 55 but she is healthy with no pre-existing illness.
2) Claims settlement ratio (should be >95%) - Aditya Birla Person said 96%
3) Annual premiums in comparison to other players - Almost the same and some cases low also premium cashback for the next year is renewable if steps are completed

4) Room Rent Limit (ideally it shouldn't be there) - No capping on Hospitalization expenses, expenses for Room rent, ICU charges, Modern treatments, HIV/AIDS cover, Mental illness cover , Obesity treatment, Organ donor expenses, Domiciliary hospitalization, Home health care, AYUSH treatment, Road ambulance cover, etc. are covered as per actuals up to base sum insured.
5) Claims process (how easy or tough) - Aditya Birla Person Said he will sign one person from Aditya Birla

Here Link

***********.adityabirlacapital.com/healthinsurance/activ-one

Let me know if any other plan ?

 

[ShavirB]

1) Waiting period for pre-existing illness ( less than 4 years) - My Mom is age 55 but she is healthy with no pre-existing illness.
2) Claims settlement ratio (should be >95%) - Aditya Birla Person said 96%
3) Annual premiums in comparison to other players - Almost the same and some cases low also premium cashback for the next year is renewable if steps are completed

4) Room Rent Limit (ideally it shouldn't be there) - No capping on Hospitalization expenses, expenses for Room rent, ICU charges, Modern treatments, HIV/AIDS cover, Mental illness cover , Obesity treatment, Organ donor expenses, Domiciliary hospitalization, Home health care, AYUSH treatment, Road ambulance cover, etc. are covered as per actuals up to base sum insured.
5) Claims process (how easy or tough) - Aditya Birla Person Said he will sign one person from Aditya Birla

Here Link

******************.adityabirlacapital.com/healthinsurance/activ-one

Let me know if any other plan ?

Seems like a decent plan. Few other options which you could consider are

HDFC Ergo - Optima Secure
Niva Bupa - Reassure 2.0
Star Health - Optima