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.

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Before we move to the next section, let’s check out the key features of this plan mentioned below.

  • Flexible Sum Insured Options up to INR 2 crore
  • Longer Policy Term
  • In-patient Hospitalization Cover
  • Critical Illness Cover from Day 1 (Chronic Management Program)
    Road Ambulance Cover
  • Pre and Post-hospitalization Cover
  • Recovery Benefit up to 1% of the Sum Insured
  • OPD Cover up to INR 1,000 (For Sum Insured of INR 15 lakh and above)
    Personal Accident Cover
  • Long-term Discounts on Premium
  • International Cover for Major Illnesses

Continue reading this page to understand the features extensively as we will discuss the same here. Let’s start!

Features and Benefits of the Aditya Birla Health Platinum Enhanced Plan in Detail

We have discussed the features and benefits of this plan from Aditya Birla Health Insurance below. Please check.

Chronic Management Program

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.

  • Diabetes
  • Hypertension
  • Hyperlipidemia
  • Asthma

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.

Flexible Sum Insured Options

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.

In-patient Hospitalization Cover

If an insured person needs hospitalization for more than 24 hours, the plan will cover the following expenses up to the sum insured.

  • Room rent and ICU charges
  • Operation theatre expenses
  • Medical practitioner’s fees
  • Qualified nursing charges
  • Drugs and medicines
  • Blood, oxygen, Anaesthesia, cost of pacemaker, chemotherapy, dialysis, etc.
  • Surgical appliances and prosthetic devices recommended by attending medical practitioner

Pre and Post-Hospitalization Expenses

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.

Day Care Treatment Cover

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.

Domiciliary Hospitalization

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.

Road Ambulance Cover

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.

Organ Donor Expenses

You will also get coverage against medical expenses incurred on the harvesting of the organ donor for the insured person’s organ transplantation surgery.

Mental Illness Hospitalization

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.

Obesity Treatment Cover

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.

Second E-opinion on Critical Illnesses

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.

Aditya Birla Health Platinum Enhanced Plan Eligibility Criteria

Please check the important conditions related to the plan mentioned below.

  • The minimum age at entry stands at 91 days with no maximum age limit.
  • Under the family floater policy, the minimum age stands at 91 days and 18 years for adults and children, respectively.
  • For dependent children, the entry age ranges from 91 days to 5 years if one adult is covered under the family floater policy.
  • For individual policy, the minimum age at entry stands at five years.

What is the Policy Term?

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.

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