Aviva Health Insurance is a comprehensive health insurance policy offered by Aviva, a leading insurance provider in the world. The policy offers a wide range of benefits, including cashless hospitalization, coverage for pre-existing diseases, and critical illness coverage.
The policy also offers the flexibility to choose from different coverage options, based on the specific needs and requirements of the individual. The policy comes with a range of add-ons, such as maternity coverage, outpatient care, and international coverage.
Aviva Health Insurance aims to provide financial security and peace of mind to its customers, by covering the high cost of medical treatments and hospitalization. The policy also provides access to a wide network of hospitals and healthcare providers, ensuring that customers receive the best possible healthcare services.
Overall, Aviva Health Insurance is a trusted name in the health insurance industry and is committed to providing its customers with comprehensive coverage and exceptional service.
Individual Health Insurance:
Aviva's individual health insurance policy provides comprehensive coverage for a range of healthcare services, including hospital treatment, consultations with specialists, and diagnostic tests. This policy is designed to give individuals peace of mind by covering the costs of medical treatment, allowing them to focus on their recovery without worrying about financial implications.
Some of the Key Features of Aviva's Individual Health Insurance Policy Include:
- Comprehensive coverage for inpatient and day-patient treatment
- Access to a wide range of medical specialists and consultants
- Coverage for diagnostic tests, such as MRI and CT scans
- Access to private hospital rooms with en-suite facilities and additional amenities
- Extended visiting hours for family and friends
- Access to additional benefits, such as physiotherapy and counseling services
Family Health Insurance:
Aviva's family health insurance policy provides coverage for the entire family under a single policy. This policy includes coverage for children and offers a range of benefits, such as access to specialist pediatricians and counseling services.
Some of the Key Features of Aviva's Family Health Insurance Policy Include:
- Comprehensive coverage for inpatient and day-patient treatment for the entire family
- Access to a wide range of medical specialists and consultants, including pediatricians
- Coverage for diagnostic tests, such as MRI and CT scans, for the entire family
- Access to private hospital rooms with en-suite facilities and additional amenities
- Extended visiting hours for family and friends
- Access to additional benefits, such as physiotherapy and counseling services
Group Health Insurance:
Aviva's group health insurance policies are designed for businesses and provide coverage for employees. These policies are designed to help businesses attract and retain talented employees by offering them access to quality healthcare.
Some of the key Features of Aviva's Group Health Insurance Policies Include:
- Comprehensive coverage for inpatient and day-patient treatment for employees
- Access to a wide range of medical specialists and consultants
- Coverage for diagnostic tests, such as MRI and CT scans, for employees
- Access to private hospital rooms with en-suite facilities and additional amenities
- Extended visiting hours for family and friends
- Access to additional benefits, such as physiotherapy and counseling services
Flexible options, such as the ability to tailor coverage to the specific needs of the business and its employees
Additional Features:
Aviva's health insurance policies come with a range of additional features designed to support the health and well-being of its customers. These features include:
Access to a 24/7 health information helpline staffed by medical professionals who can provide advice and support on a wide range of health-related topics
Online health tools that allow customers to manage their health and well-being, such as health assessments and personalized exercise plans
Discounts and cashback offers on health-related products and services, such as gym memberships and wellness treatments
In summary, Aviva's health insurance offerings provide comprehensive coverage and peace of mind for individuals, families, and businesses. With a range of benefits, access to quality healthcare, and additional features to support health and well-being, Aviva's health insurance policies are a popular choice for those in need of healthcare services.
TERM & POLICY FOR AVIVA LIFE INSURANCE:
Aviva Health Insurance offers a variety of coverage options to suit the needs of different individuals and families. The following are some of the policies that Aviva offers:
Sure, here are some more details about Aviva Health Insurance:
1. Coverage Options:
· Individual plans: These policies cover an individual's medical expenses and hospitalization costs.
· Family floater plans: These policies provide coverage for the entire family under a single policy.
· Senior citizen plans: These policies are designed to provide coverage for individuals aged 60 and above.
· Critical illness plans: These policies provide coverage for critical illnesses such as cancer, heart attack, stroke, and kidney failure.
· Personal accident plans: These policies provide coverage for accidental death or disability.
2. Waiting Period:
All Aviva health insurance policies come with a waiting period of 30 days, during which no claims can be made. However, certain conditions such as pre-existing illnesses or certain surgeries may have a longer waiting period. It is important to note that any claims made during the waiting period will not be covered.
3. Renewal Policy:
Aviva's health insurance policies can be renewed for life, provided the premiums are paid on time. There is no maximum age limit for renewal. However, if you make a claim during the policy year, your premium may increase at the time of renewal.
4. Cashless Hospitalization:
Aviva offers cashless hospitalization at over 5,000 network hospitals across India. This means that you can get treatment without paying any cash upfront, as the insurance company will settle the bill directly with the hospital. However, it is important to check the list of network hospitals before availing of this facility.
5. No Claim Bonus:
Aviva offers a no-claim bonus for customers who do not make any claims during the policy year. This bonus can be in the form of a discount on the premium or an increase in the sum insured. This means that if you do not make any claims in a particular year, your premium for the next year may be reduced or your sum insured may be increased.
6. Co-Payment:
Some of Aviva's policies may come with a co-payment clause, which means that you will have to bear a certain percentage of the medical expenses. This can range from 10% to 30%, depending on the policy. This is usually done to reduce the premium amount and is common in senior citizen health insurance policies.
7. Exclusions:
Like all health insurance policies, Aviva's policies come with certain exclusions, such as expenses related to pre-existing illnesses, cosmetic surgeries, and alternative treatments. It is important to read the policy document carefully to understand the exclusions. Additionally, expenses related to self-inflicted injuries, HIV/AIDS, and war or terrorism-related injuries are also not covered.
In conclusion, Aviva Health Insurance offers a range of policies with comprehensive coverage options. It is important to carefully read the terms and policies of the policy you choose to ensure that it meets your specific needs. Additionally, it is recommended to compare policies from multiple insurance providers before making a decision.
BENEFITS OF AVIVA LIFE INSURANCE:
Aviva health insurance provides a range of benefits that can help protect you and your family's health and financial well-being. Here are some of the benefits of Aviva health insurance:
1. Comprehensive Coverage: Aviva health insurance policies offer comprehensive coverage for a wide range of medical treatments and procedures. This can include hospitalization, diagnostic tests, surgeries, specialist consultations, and more. The coverage level and benefits may vary depending on the specific policy and options you choose.
2. Flexible Policy Options: Aviva health insurance offers a range of policy options to fit your specific health needs and budget. You can choose from individual or family policies, and select the coverage level, deductible, and co-payment amounts that work best for you. This flexibility can help you find a policy that fits your needs and budget.
3. Cashless Hospitalization: With Aviva health insurance, you can enjoy cashless hospitalization at a network of hospitals and medical providers. This means that you don't have to worry about paying out of pocket for covered medical expenses, as Aviva will directly settle the bill with the hospital.
4. Additional Benefits: Aviva health insurance policies may also offer additional benefits, such as wellness programs, preventative care, and health check-ups. These benefits can help you stay healthy and catch health issues early, which can lead to better health outcomes and lower healthcare costs in the long run.
5. Tax Benefits: Aviva health insurance policies offer tax benefits, as premiums paid towards health insurance are eligible for tax deductions under Section 80D of the Income Tax Act. This can help you save on your taxes and reduce your overall healthcare costs.
6. Worldwide Coverage: Some Aviva health insurance policies offer worldwide coverage, which can be especially useful if you travel frequently or have family members living abroad. This coverage can provide peace of mind and ensure that you have access to quality healthcare wherever you go.
7. Affordable Premiums: Aviva health insurance policies offer competitive premiums, which can help you get quality coverage without breaking the bank. You can also customize your policy options to fit your budget and needs.
Overall, Aviva health insurance offers a range of benefits that can help protect your health and financial well-being. By choosing the policy options and benefits that work best for you, you can enjoy peace of mind and ensure that you and your family are covered in the event of a medical emergency or illness.