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Health Insurance 377 views August 16, 2021
Our body needs cholesterol to build healthy cells. However, people with high cholesterol levels face higher chances of heart diseases. Aditya Birla Health Platinum Enhanced Plan could be the perfect option for individuals with high cholesterol levels. One of the best things about this plan is that the coverage starts from Day 1 (without any waiting period). Besides chronic illnesses related to high cholesterol, you can also get coverage against asthma, high blood pressure and diabetes without any waiting period.
Before we move to the next section, let’s check out the key features of this plan mentioned below.
Continue reading this page to understand the features extensively as we will discuss the same here. Let’s start!
Table of Contents
We have discussed the features and benefits of this plan from Aditya Birla Health Insurance below. Please check.
Aditya Birla Health Platinum Enhanced Plan offers a chronic management program. With this value-added benefit, insured persons aged 18 years and above will get coverage (from Day 1) against medical expenses for outpatient treatment of the following chronic diseases.
The outpatient treatment coverage will include medical practitioner consultations and diagnostic tests. Policyholders can get coverage at cashless network providers and service providers for the chronic conditions listed above.
Policyholders can choose from multiple sum insured options as per their needs – INR 2, 3, 4, 5, 6, 7, 8, 9, 10, 15, 20, 25, 30, 40, 50, 100, 150 and 200 lakh.
If an insured person needs hospitalization for more than 24 hours, the plan will cover the following expenses up to the sum insured.
The policy will also cover the expenses incurred before and after hospitalization for 60 and 180 days, respectively. The coverage amount will be up to the sum insured.
If an insured person needs to undergo a day care treatment (that does not require a minimum 24-hour hospitalization) during the policy period, the policy will cover the medical expenses incurred on the same. Under this benefit, you will not have coverage against expenses incurred on OPD treatment.
The policy will also cover the expenses incurred on a policyholder’s domiciliary hospitalization up to the sum insured. To get this benefit, the hospitalization should continue for at least three days.
If an insured person needs to get transported to a nearby hospital by a road ambulance, the plan will provide coverage up to the actual expenses per event in the case of network providers. In the case of non-network providers, the reimbursement amount will be up to INR 5,000 per hospitalization.
You will also get coverage against medical expenses incurred on the harvesting of the organ donor for the insured person’s organ transplantation surgery.
If a policyholder needs hospitalization for the treatment of a mental illness, the policy will cover in-patient expenses up to the sum insured. The mental illnesses need to be clinically significant and should not be related to self-inflicted injury or attempted suicide.
If an insured person needs to undergo bariatric surgery (medically necessary) on the written advice of a medical practitioner, the plan will cover the expenses incurred on the same. An individual should be 18 years or above to undergo this surgery.
In case an insured person is diagnosed with one of the major illnesses during the policy term, the plan provides an option to avail e-opinion from Aditya Birla’s panel of domestic and international medical practitioners.
Please check the important conditions related to the plan mentioned below.
You can choose from multiple policy term options – 1, 2 or 3 years. Further, you can get a discount of 7.5% and 10% on the premium amount if you choose a two and three-year policy term, respectively.