ICICI Prudential Life Insurance Insurance Company

The salient features of the plan are as follows –

 

Sum insured reload: You might use up the sum insured if you suffer a claim in the policy year. In the case of a second or any other subsequent claim, if the sum insured is not available, the plan offers the reload benefit. Under this benefit, the sum insured is refilled up to 150% so that the claim can be met.

Hospital daily cash benefit: If you are hospitalized for 24 hours or more, besides covering the hospitalization expenses, the plan also pays a daily allowance. The allowance depends on the sum insured that you choose and is paid for up to 5 days.

Vaccination cover: You get covered for the costs of vaccinations, up to Rs.10,000 if you choose a sum insured of Rs.1 crore and above.

Second opinion: The plan covers 15 critical illnesses. If you are diagnosed with any of the covered illnesses, you can avail of a free online second opinion from the company’s panel of specialists.

Air ambulance cover: If you suffer a medical emergency and need an air ambulance for transportation, the plan would cover the cost of hiring the same.

Health Returns: The plan offers the unique feature of Health Returns wherein, if you practice healthy living and stay fit, you earn Health Return points. You can accumulate these points and use them to claim a premium discount on renewal.

International coverage: In a medical emergency, Activ Assure Diamond allows international coverage too which also includes coverage for air ambulance services.

Range of optional coverage benefits: Activ Assure Diamond offers different types of optional coverage benefits. These benefits allow you to customize your policy as per your needs and avail of enhanced coverage.