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Reward Hunter

TF Select
VIP Lounge
Hello today my banker shared a policy health insurance Mediclaim for axis bank customer.

*🅰️DITYA 🅱️BIRLA HEALTH INSURANCE @ 13,299/- for 1 Cr Cover.*

*HEALTH PRO INFINITY*

# *A HEALTH INSURANCE PLAN DESIGNED SPECIFICALLY FOR AXIS BANK CUSTOMERS*

# *FLAT PREMIUM*

# *AGE BAND 18 TO 55*

# *OFFER 1CRORE COVER AT LOWEST COST*

# *SUM INSURED- 50LAC, 75LAC &1CR.*

# *COVERS COVID-19 HOSPITALISATION EXPENSES*

# *NO MEDICAL CHECKUP REQUIRED*

# *Earn Upto 30% Health Return*

# *NO CAPPING ON ROOM RENT / ROOM CATEGORY*

# *IN FAMILY FLOATER CHILD AGE CAN BE UPTO 91 DAYS TO 21 YEARS*


# *COVERS MODERN TREATMENT METHODS*

# *527 DAY CARE PROCEDURES COVERED*

# *OPTION TO ENHANCE YOUR WITH PERSONAL ACCIDENT PLAN*

*NEW PREMIUM*
1 Adult-
50 L- 1️⃣2️⃣1️⃣9️⃣9️⃣
75 L- 1️⃣2️⃣7️⃣9️⃣9️⃣
1 Cr-.1️⃣3️⃣2️⃣9️⃣9️⃣


Has any one taken or any riders?

This is a group policy so has any one has experience of them they not being renewed?
 

sxchzy

TF Legend
VIP Lounge
Check exclusions
No claim bonus
And waiting period
And if cashless hospitalization
Network of hospitals in your vicinity
Hello today my banker shared a policy health insurance Mediclaim for axis bank customer.

*🅰️DITYA 🅱️BIRLA HEALTH INSURANCE @ 13,299/- for 1 Cr Cover.*

*HEALTH PRO INFINITY*

# *A HEALTH INSURANCE PLAN DESIGNED SPECIFICALLY FOR AXIS BANK CUSTOMERS*

# *FLAT PREMIUM*

# *AGE BAND 18 TO 55*

# *OFFER 1CRORE COVER AT LOWEST COST*

# *SUM INSURED- 50LAC, 75LAC &1CR.*

# *COVERS COVID-19 HOSPITALISATION EXPENSES*

# *NO MEDICAL CHECKUP REQUIRED*

# *Earn Upto 30% Health Return*

# *NO CAPPING ON ROOM RENT / ROOM CATEGORY*

# *IN FAMILY FLOATER CHILD AGE CAN BE UPTO 91 DAYS TO 21 YEARS*


# *COVERS MODERN TREATMENT METHODS*

# *527 DAY CARE PROCEDURES COVERED*

# *OPTION TO ENHANCE YOUR WITH PERSONAL ACCIDENT PLAN*

*NEW PREMIUM*
1 Adult-
50 L- 1️⃣2️⃣1️⃣9️⃣9️⃣
75 L- 1️⃣2️⃣7️⃣9️⃣9️⃣
1 Cr-.1️⃣3️⃣2️⃣9️⃣9️⃣


Has any one taken or any riders?

This is a group policy so has any one has experience of them they not being renewed?
 

Reward Hunter

TF Select
VIP Lounge
All are good, hospital list is exhaustive, waiting is like all policy for specific disease. It is from Axis Bank!
 

Mpautobe

TF Premier
VIP Lounge
There are two options in Group Active Health

5-25 lacs Group Activ Health​

for 25 lacs
Group Health Indemnity
Group Personal Accident
Group Critical Illness
Wo Critical illness: Premium 27400
With Cretical Illness 44400

50-100 lacs Group Activ Health​

for 1cr
Group Health Indemnity 27199

For 1 cr
Group Health Indemnity
+ Group Personal Accident 35200

For 95 Lacs with 5 Lacs deductible
Group Health Indemnity 10199

For 90 Lacs with 10 Lacs deductible
Group Health Indemnity 4400

Unable to understand the terminogies and what they meant.... attached the screen shot of the two schemes..

Can anyone enlight me....
 

Attachments

  • 1.jpg
    1.jpg
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  • 2.jpg
    2.jpg
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sxchzy

TF Legend
VIP Lounge
There are two options in Group Active Health

5-25 lacs Group Activ Health​

for 25 lacs
Group Health Indemnity
Group Personal Accident
Group Critical Illness
Wo Critical illness: Premium 27400
With Cretical Illness 44400

50-100 lacs Group Activ Health​

for 1cr
Group Health Indemnity 27199

For 1 cr
Group Health Indemnity
+ Group Personal Accident 35200

For 95 Lacs with 5 Lacs deductible
Group Health Indemnity 10199

For 90 Lacs with 10 Lacs deductible
Group Health Indemnity 4400

Unable to understand the terminogies and what they meant.... attached the screen shot of the two schemes..

Can anyone enlight me....
which terminology do you want to understand?
 

Mpautobe

TF Premier
VIP Lounge
which terminology do you want to understand?
For 90 Lacs with 10 Lacs deductible... Wats for 90 & 10 for what??
Comprehensive cover (deductible options available)

Group Health Indemnity?

Rewards upto 30% health returns?

100% Reload of Sum Insured

Comprehensive cover (deductible options available)
 

sxchzy

TF Legend
VIP Lounge
s
For 90 Lacs with 10 Lacs deductible... Wats for 90 & 10 for what??
Comprehensive cover (deductible options available)

Group Health Indemnity?

Rewards upto 30% health returns?

100% Reload of Sum Insured

Comprehensive cover (deductible options available)
o 90 lacs with 10lacs deductible means
you will be re embursed for your claims in the ratio of 9:1
so for ex if insurance company pays 9 rs you will pay 1 rs compulosorily.

group health indemnity means a group of people will be covered under this policy
it can be family or your office colleagues

i guess rewards upto 30% health returns means the no claim bonus

100% reload of si means in a year if you have more than 1 eligible claim then even if you exhaust the 90 Lacs under 1st claim in your 2nd claim it will be allowed for you to claim another 90 lacs
 

Mpautobe

TF Premier
VIP Lounge
s

o 90 lacs with 10lacs deductible means
you will be re embursed for your claims in the ratio of 9:1
so for ex if insurance company pays 9 rs you will pay 1 rs compulosorily.

group health indemnity means a group of people will be covered under this policy
it can be family or your office colleagues

i guess rewards upto 30% health returns means the no claim bonus

100% reload of si means in a year if you have more than 1 eligible claim then even if you exhaust the 90 Lacs under 1st claim in your 2nd claim it will be allowed for you to claim another 90 lacs
Thanks you.. Got some clarity.. wats your opinion wrt this policy.. which option will be good...
 

sxchzy

TF Legend
VIP Lounge
Thanks you.. Got some clarity.. wats your opinion wrt this policy.. which option will be good...
upfront every policy seems to be good because agents want to sell it
the devil lies in the details
thats why read the fineprint i would say.
also choose a policy in accordance to your need
as in family floater,senior citizen or personal
 

Mpautobe

TF Premier
VIP Lounge
upfront every policy seems to be good because agents want to sell it
the devil lies in the details
thats why read the fineprint i would say.
also choose a policy in accordance to your need
as in family floater,senior citizen or personal
Will try to get more details... This policy is offered by Axis Priority program thro Aditya Birla.
This for Self+Spouse+Kids.. Senior citizen not available in that offered scheme...
 

Reward Hunter

TF Select
VIP Lounge
Read the fine print then go for it.
There are many cappings, exclusions and all which aren't mentioned upgront
Hey please can you share the fine print? RM said they will take medicals and if you have any PED please disclose. So I dont think there is any room capping or exclusion, if yes please share!
 

Mpautobe

TF Premier
VIP Lounge
Hey please can you share the fine print? RM said they will take medicals and if you have any PED please disclose. So I dont think there is any room capping or exclusion, if yes please share!
Requested the details from RM... Yet to receive.. Will share it here....
 

sxchzy

TF Legend
VIP Lounge
i
Hey please can you share the fine print? RM said they will take medicals and if you have any PED please disclose. So I dont think there is any room capping or exclusion, if yes please share!
do not have the fine print but if they are taking health checkup it is ood
because the agent was tryiong to mis sell it by sayuing to health check up is required
capping as is co payments or deductibles
also diseases wise capping and exclusions of diseases
 

Mpautobe

TF Premier
VIP Lounge
i

do not have the fine print but if they are taking health checkup it is ood
because the agent was tryiong to mis sell it by sayuing to health check up is required
capping as is co payments or deductibles
also diseases wise capping and exclusions of diseases
Attached the preliminary brochure received... Premium and other details posted based on available on Axis priority account login portal.. Contacted RM to share more deatils...
 

Attachments

  • group-active-health-brochure.pdf
    244.4 KB · Views: 10
  • group-ativ-health-plan-exclusions.pdf
    270.9 KB · Views: 6

Mpautobe

TF Premier
VIP Lounge
i

do not have the fine print but if they are taking health checkup it is ood
because the agent was tryiong to mis sell it by sayuing to health check up is required
capping as is co payments or deductibles
also diseases wise capping and exclusions of diseases
Not yet processed health check up.... Still in discussion stage...
 

sxchzy

TF Legend
VIP Lounge
1.Ambulance capping is there
2.there is a waiting period of 2 years
also the group plan premium is fro 1 cr cover is 27199 + 37899 as premium if i am not wrong for 2 adults and 2 children
 

Mpautobe

TF Premier
VIP Lounge
1.Ambulance capping is there
2.there is a waiting period of 2 years
also the group plan premium is fro 1 cr cover is 27199 + 37899 as premium if i am not wrong for 2 adults and 2 children
RM said around 44 for all 4 thats my understanding... Ok.. will get clarified and revert...
 

Mpautobe

TF Premier
VIP Lounge
RM said around 44 for all 4 thats my understanding... Ok.. will get clarified and revert...
Attached the latest brochures received from my RM..... two types of plan with sub ridiers....
 

Attachments

  • Health PRO Brochure.pdf
    714.7 KB · Views: 5
  • Heath Pro Infinity Brochure.pdf
    1.8 MB · Views: 4
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