Health & Wellness Plans

What?

• Designed to provide specialised support to policyholders dealing with chronic health conditions.
• Covers asthma, high blood pressure, high cholesterol and diabetes.

How?

• Coverage for listed ailments from day 1.
• Dedicated support and guidance from healthcare professionals.

Who?

• Anyone over the age of 91 days.
• Spouse and children (under 25) can be added as dependents.

Initial Waiting Period

Typically lasts for a month after policy purchase where no claims are accepted except accidental cases.

Pre-Existing Condition Waiting Period

These are ailments that were there at the time of the purchase of the plan. These claims are typically not accepted during the waiting period.

Maternity Waiting Period

Maternity-related expenses may not be covered until the waiting period has elapsed.

Waiting Period for Certain Procedures

In some cases, specific medical procedures or surgeries may have their own waiting periods, even if the policy as a whole is in effect.

Critical Illnesses Waiting Period

Often regular health plans do not cover critical diseases until after the waiting period.

Cashless claim

The insurance company reimburses the network hospital directly, so you don't have to pay out of pocket.

Co-pay

It is the share of the amount to be paid by you, in case of a claim.

No claim bonus

It's a bonus offered in the form of a increased sum insured if no claims were made during the previous policy term

Pre-existing condition

A health condition that you had before you got health insurance.

Pre-hospitalisation expenses

This refers to the medical expenses incurred on the same illness before getting admitted to a hospital.

Post-hospitalisation expenses

This refers to the cost of follow-up tests and consultation after getting discharged from the hospital.

Network hospital

It is a medical facility that has a tie-up with the health insurance provider where you can receive cashless treatment.

Inpatient Hospitalisation Expenses

This covers the cost of room rent, doctor's fees, nursing charges, diagnostic tests, and other expenses incurred during an inpatient hospital stay.

Pre-existing Illnesses or Diseases

Some Aditya Birla Health and Wellness plans cover pre-existing illnesses or diseases after a specified waiting period. However, there may be exclusions or limitations on the coverage for pre-existing conditions.

Pre and Post-Hospitalisation Expenses

These expenses cover the cost of medical treatment received before and after hospitalisation. The coverage may include doctor's consultations, diagnostic tests, and medications.

Ambulance Charges

Many Aditya Birla Health and Wellness plans cover ambulance charges incurred for transportation to and from the hospital. The coverage may have limitations on the distance or amount covered.

Preventive Health Check-ups

Preventive health check-ups, such as annual physicals and screenings, are often covered by Aditya Birla Health and Wellness plans. This can help detect potential health problems early on and prevent serious illnesses.

Day-care Procedures

Day-care procedures, such as minor surgeries and treatments that do not require an overnight stay, are often covered by Aditya Birla Health and Wellness plans.

Home Treatment Cover

Some Aditya Birla Health and Wellness plans cover home treatment expenses for certain conditions, such as post-operative care or chronic illnesses.

AYUSH Benefit

AYUSH treatments, which are traditional Indian therapies, are becoming increasingly covered by Aditya Birla Health and Wellness plans.

Mental Healthcare Cover

This provides coverage for the diagnosis and treatment of mental illnesses, such as depression, anxiety, and substance abuse.

Additional Wellness Benefits

Aditya Birla Health and Wellness plans may also offer additional benefits, such as discounts on gym memberships, health trackers, and telemedicine consultations.