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  • Aviva Health Plans

    Life Insurance
    • Premiums as low as Rs.17/day for sum assured of Rs.1 crore*
    • Claim up to Rs. 1,50,000 deduction under section 80C**
    • Choose between annual and monthly premium payment options

    Aviva Health Plans

    The stressful lifestyle we lead in the present times is a causal factor for many critical illnesses. The cost of treatment of such illnesses is very high and might even use up all the money one had saved up over a long period of time. Hence Aviva Life Insurance has introduced health plans that help manage expenses in such crisis situations. One can use such lump sum payouts for hospitalisation expenses or manage expenses before resuming work.

    Benefits of Aviva Health Plans

    • Rebate on high sum assured:The Health Secure plan offers a rebate if the sum assured amount is Rs.10 lakh or more.
    • Free-look period:Policyholders are given a 30-day free-look period within which they can return the policy if they are unhappy with the terms. The insurer will refund the premiums paid after making necessary deductions.
    • Cost of medical check-up:The expenses incurred on conducting medical examinations before the purchase of the policy is borne by the insurer.
    • Tax benefits:Policyholders can enjoy tax benefits under section 80C and section 10(10D) of the Income Tax Act, 1961.

    List of Health Plans offered by Aviva Life Insurance

    Aviva Life Insurance has two comprehensive health plans that offer protection against certain health conditions.

    1. Aviva Health Secure

    The Health Secure health plan provides protection against critical illnesses. The plan offers the convenience of being bought online to save time and effort. The minimum sum assured of the policy is Rs.5 lakh and the maximum is Rs.50 lakh. No death, maturity or surrender benefits are payable.

    Benefits and features of Aviva Health Secure

    • Critical Illness Benefit: If a policyholder is diagnosed with one of the 12 critical illnesses mentioned by the insurer, he/she will receive the sum assured as the critical illness benefit.
    Plan name Entry age Maturity age Premium
    Aviva Health Secure Minimum: 18 years Maximum: 55 years Maximum: 65 years The premium payable depends on factors such as the chosen sum assured, premium frequency, policy term, etc.
    1. Aviva Heart Care

    The Heart Care health plan offers protection against cardio related procedures and conditions. The joint life option allows the policyholder to cover his/her spouse in the plan as well. The minimum sum assured the policyholder is required to opt for is Rs.10 lakh and the maximum he/she can avail is Rs.50 lakh. No death, maturity or surrender benefits are payable.

    Benefits and features of Aviva Heart Care

    • Cardiac Condition Payout: If the policyholder is diagnosed with one of the 19 cardiac conditions, a payout equal to 100%, 50%, or 25% of the sum assured is provided to the individual depending on the severity of the condition. The plan offers 4 options that policyholders can opt for:
    • ME: This plan covers only a single life and pays out maximum 100% of the sum assured as the benefit if the individual is diagnosed with a cardiac condition. Multiple claims can be made under the policy. The policy terminates once 100% of the sum assured is paid.
    • ME+: This plan, too, offers a lump sum payout which will be maximum 100% of the sum assured. Further, 100% of the sum assured is restored when the sum assured is exhausted. Once the restoration benefit has been enabled, all future premiums will be waived.
    • WE: This plan is designed for joint lives. Each life is covered for 100% of the sum assured. Even if 100% of the sum assured is paid out to one life, the coverage for the other life will continue. On exhaustion of the sum assured or death of one of the lives, the future premiums will be waived off.
    • WE+: This plan is also meant for joint lives or married couples. Not only do each of the lives get 100% coverage, each of the lives also has the benefit of restoration of 100% of the sum assured. The restoration benefit, if enabled for one life, waives off future premiums.
    Plan name Entry age Maturity age Premium
    Aviva Heart Care Minimum: 28 years Maximum: 65 years Minimum: 38 years Maximum: 75 years The premium payable depends on factors such as the chosen sum assured, premium frequency, policy term, etc.

    Why you need Aviva Health Plans

    With the advent of technology, various services that could only be availed through the traditional method has gone paperless with the online facility. Aviva Life Insurance, too, offers as many as 8 plans online. In addition, individuals can file claims, pay premiums, view and manage fund details, manage the policy, etc. online. Individuals who feel the need to have a source from which they may receive sufficient funds when diagnosed with a severe health condition can consider buying the best health plan from Aviva Life Insurance. The plans offered are comprehensive and lay out options for the policyholders to choose from.

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