RBL Activ Health Platinum Enhanced

Age

• The minimum age of entry is 91 days and there is no maximum entry age.
• Children up to 25 years can be covered under the floater as dependents.
• Family floater plan we cover upto 9 members (6 Adults+3 children) comprising of self, spouse,dependant parents, dependant parents-in-law,children up to 25 years (up to 3).

Waiting Period

• 30 days waiting period: For any treatment within the first 30 days of the cover, except accidental injury.
• 2 year waiting period: For specific illnesses/treatment like Cataract, Hernia, Sinusitis, Joint replacement surgery, Varicose veins etc
• Chronic Management program waiting period: As per terms of the policy
• Pre-existing disease waiting period: 48 months on Essential plans and 36 months on Enhanced plans

Hospital Benefits

• In-patient Hospitalization - Covered up to a) Any room (Available for Sum Insured > 7 Lacs) b) Single Private Room c) Shared Room (available for Sum Insured’s < 5 Lacs)
• Pre-hospitalization Medical Expenses - 60 Days
• Post-hospitalization Medical Expenses - 180 Days
• Day care Treatment
• Hospital Cash Benefit - Rs 500 to Rs 5000 in multiples of Rs 500 A deductible of 24 hours shall apply under this Benefit.
• Chronic Management Program

Network Hospitals

• ‘Zones’ is a classification of cities across the country,based on your area of residence and your premium is determined accordingly
• Zone I - Bangalore, Gurgaon, Mumbai, Navi Mumbai, New Delhi, Thane
• Zone II - Ahmedabad, Kolkata, Noida, Pune, Hyderabad, Chennai, Chandigarh, Mohali
• Zone III - Rest of India excluding the cities under Zone I and Zone II

Copayment Deductibles

• Co-payment for treatment in a Higher Zone - Zone II to Zone I: 10% Zone III to Zone II: 15% Zone III to Zone I: 25%
• Co-payment for treatment in a Higher room category - a) Shared Room to Single Private Room - 15% b) Shared Room to Any Room - 40% c) Single Private Room to Any Room- 25%
• Deductible - SI 2 Lac – Rs 25,000, 50,000, 1 Lac SI 3 Lac – Rs 25,000, 50,000, 1 Lac SI 4 Lac/ 5Lac/ 6 Lac/ 7 Lac/ 8 Lac/ 9 Lac/ 10 Lac - Rs 25,000, 50,000, 1 Lac, 2 Lac, SI 15 Lac/ 20 Lac/ 25 Lac - 3 Lac, 4 Lac, 5 Lac

Renewability and Coverage

• Road Ambulance Cover
• Organ Donor Expenses
• Reload of Sum Insured
• Maternity Cover
• OPD Expenses
• Wellness Coach
• Health Check up program
• Day 1 covers for asthma, blood pressure, cholesterol, and diabetes

Additional Benefits

• Covers doctor consultation
• Covers diagnostic tests
• Covers cost of medicines
• Hospitalization cover post 30/90 days
• Wellness coaches guide you to make healthy choices
• Earn up to 30% of your policy premium as HealthReturns