Aditya Birla Health Insurance Diamond Plan Review (Best In Current Context)

 There are a lot of talk on health insurance .So I will not add more reason why is it needed. However today I will focus on review of one health insurance product from Aditya Birla , which I believe best among what all available in the market … Aditya Birla entered health insurance just a year back , so many may not aware of this product … But the features are superb while comparing to others …If you buy the insurance for 3 years , 4^th year premium is absolutely 0……Wow !!! Apart from that you can enjoy all branded gyms with local gym costs and many more …. Yearly one health check up , two fitness assessment and fitness test are absolutely free…if you are bachelor can enroll now , later you can add your spouse (of course after marriage) and kid  …e.g. If you take insurance for 5 lakh , you will enjoy 15 lakh cashless …and so on …Doesn’t it sound good …

Let’s start

For your quick reference I will right very short and to the point so that you can grasp easily in short time …

Product Feature	Availabilty
InPatient	Cashless (100 percent payment will be born by Insurance unconditionally)
Room Type	Full Cashless for Private AC room for insurance 5 lakh and above.In the absence of private AC room , upgrade is available with full cashless.There is no cap.
ICU Charges	Full cashless for charges for sum insured 5lakh and above
Pre Hospitalisation Expense	Before admit (30 days) 100 percent expenses born by patient will be reimbursed.There is no cap.
Post Hospitalisation Expense	After discharge till 60 days, 100 percent expenses born by patient will be reimbursed.There is no cap.
Day Care Treatment Available	Yes (586 listed procedures covered) Example: Catract operation which is done and patient is discarged in 2 hours but 100 percent cashless and there is no cap.
Home Care Treatment	Yes availble (Upto 10% of SI)
Ambulance Cover	• `1,500 - for SI `2 lakhs, `3 lakhs, `4 lakhs • `2,000 - for SI `5 lakhs - `10 lakhs  • `2,500 - for SI `15 lakhs - `40 lakhs  • `3,000 - for SI `50 lakhs - `75 lakhs  • `5,000 - for SI `1 Crore - `2 Crores
Organ Donor Expense	Yes 100 percent covered. Example: Supose patient is transplanting kidney from somebody , then expense for both patient and donor will be cash less 100%.There is no cap
Covers treatments given under Ayurveda, Unani, Siddha, Yoga & Naturopathy  and Homeopathy systems.	• `15,000 - for SI `2 lakhs, `3 lakhs, `4 lakhs  • `20,000 - for SI `5 lakhs - `10 lakhs  • `30,000 - for SI `15 lakhs - `40 lakhs  • `40,000 - for SI `50 lakhs - `75 lakhs  • `50,000 - for SI `1 Crore - `2 Crores
Vaccination Cover	Yes (SI 1 Crore and above policy)
No Claim Bonus	10% of SI per annum, max up to 50% of SI
Reload of Sum Insured	Upto 150% of SI, Max up to `50 Lacs Even if your Sum Insured gets exhausted, we will reload your Sum Insured amount by another 150%
Health Check-up Program	Annual
Second E-Opinion on Available	Yes for 15 listed Critical Illnesses  Critical Illnesses
Domestic & International  Emergency Assistance  Services  (including Air Ambulance)	Available Suppose you are at village and something happened and local doctor couldnot cure you , you can book flight and come to bangalore etc for treatment which is 100% cashless The above is available if you are at abroad too
HealthReturns	• Earn up to 30% of your premium as HealthReturnsTM.  • This is earned through a combination of Healthy Heart Score™  and Active DayzTM      If you do this for consecutive 3 years , 4th year premium is 0.
Addon and optional 1 Unlimited Reload of SI	100% of SI (Unlimited times)
Addon and optional 2 Super NCB	Additional 50% of SI per annum, max upto 100% of SI
Addon and optional 3 Any Room Upgrade	Available with SI `5 lakhs and above

Eligibility and Criteria

·         Individual policy: Minimum entry­ age 5 yrs and there is no maximum age of ent­ry

·         Family floater policy: - We cover up to 6 members (2 Adults + 4 Children) comprising of Self, Spouse and Dependent children (up to 25 yrs) in a single policy

·         Dependent children from 91 days to 5 yrs will be covered only if one adult is covered in the floater policy

·         There is no maximum age of ent­ry.

Waiting Period and Co-Payments

·         30 days waiting period: In the 1st year of the policy cover there is a 30 days waiting period for any treatment, except an accidental injury­.

·         2 year waiting period: For specific illnesses/treatment like Cataract, Hernia, Sinusitis, Joint replacement surge­, Varicose veins etc.

·         Pre-existing disease waiting period: 48 months

·         Mandatory‑ 20% Co-Payment: For age of ent­ry at 61 yrs and above

Premium:

Looking at the benefits, the premium is very less .You will get many benefits withot paying any add on fee , which are available with other insurance company with additional add on premium

Other Benefits:

If you avail this benefit, how you will available Gym Facility with just 2000 (before GST), That I will tell you in the subsequent blogs

Not Covered:

Maternity Cases (It happens in life once or twice max , the benefit which I am getting this policy is enormous considering only the exclusion for maternity , Isn’t it !!)

Permanent Exclusion:
 • War, act of foreign enemy, uprising, revolution, insurrection,
 milita or usurped acts.
 • Breach of law with Criminal Intent, intentional self inju
 • Abuse or the consequences of the abuse of intoxicants or
 hallucinogenic substances
• Cosmetic, aesthetic and re-shaping treatments & surgeries
 • Hearing aids, spectacles or contact lenses including
 optometric therapy

 • Psychiatric or psychological disorders, mental disorders

For additional information can mail me or add comments or call me (9886220149)