IDFC Activ Health Platinum Enhanced Insurance Plan

Waiting Period

• Initial Waiting Period 30 Days
• For Specified Disease or Procedure 48 Month
• For Pre-Existing Disease 36 Month
• For Listed Disease or Procedure 24 Month

Specific Exclusions

• Permanent Exclusions
• Hearing Aids, Spectacles or contact lenses including optometric therapy
• Treatment for baldness, alopecia, wigs, toupees, and similar treatment
• Cosmetic, Aesthetic & reshaping treatments and surgeries
• Any illness/ injury/ accident due to abuse of intoxicants
• Breach of law with Criminal intent, intentional self-injury
• War, Act of foreign enemy, uprising, revolution, insurrection, military or usurped acts

Copayment Deductibles

• For Sum Insured `3 lakhs and below - Zone II to Zone I: 10% Zone III to Zone II: 15% Zone III to Zone I: 25%
• For Sum Insured ` 4 lakhs and above - Not Applicable

Renewability and Coverage

• In-patient Hospitalisation
• Pre-hospitalisation Medical Expenses 60 Days
• Post-hospitalisation Medical Expenses 180 Days
• Day Care Treatment
• Domicilia_x001f_ Hospitalisation
• Road Ambulance Cover
• Organ Donor Expenses
• Reload of Sum Insured
• AYUSH Cover
• Mental Illness Hospitalisation
• Obesity Treatment
• Critical Illness Cover
• nternational Coverage for Major Illnesses
• Personal Accident Cover
• Hospital Cash Benefit
• Modern Treatment Methods and Advancement in Technologies- Due to advancement in technologies, covers Modern Treatment methods like Robotic surgeries, oral chemotherapy, stem cell therapy and more as a part of in-patient hospitalization or day care treatments
• Dental Consultation and Investigations
• Expert Health Coach