Healthy living is happy living. To ensure you lead a healthy life, we bring you GoActive, a comprehensive health insurance cover that ensures overall wellness and complete happiness for you and your family.
GoActive goes beyond the coverage of your hospitalisation expenses as it takes care of your overall health. It gives you the flexibility to choose the perfect cover for your needs, gives you the option to choose from a varied list of benefits and what’s more, it rewards you for being healthy!
Go Active not only cares for your health but your wealth too. It is a pocket-friendly health insurance plan that is designed keeping you and your family (your spouse and up to 4 children) in mind. Some of the key benefits include OPD Consultations, I-Protect, Health Coach and more.
Coverage
Features
Please do read more about the common exclusions in the policy terms & conditions.
Click Here to read the policy wording.
Eligibility Criteria
There is no maximum limit of increase in sum insured, if customer opted I-Protect benefit. Every year base sum insured will be increased by 10% at renewal life time.
No we have only one year policy option.
Answer: Based on Our discretion, upon the disclosure of the health status of the persons proposed for insurance and declarations made in the Proposal or Insurance Summary Sheet, we may apply a risk loading on the premium payable (excluding statutory levies and taxes) or Special Conditions on the Policy.
Answer: No, for policy with sum insured of 5 lacs and above, instead of availing Health Checkup (i.e. defined list of tests) and if allowed and specified in the Policy Schedule, any Insured Person may undergo the Diagnostic Tests of his/her own choice at any diagnostic center of his/her choice and get the expenses reimbursed or avail this benefit on Cashless Facility up to the amount as specified in the Policy Schedule. This benefit can also be availed by children covered under the policy. This benefit is named as Diagnostic Tests and only be availed in lieu of Health Checkup. Hence, only one of the two benefits i.e. Health Checkup or Diagnostics can be availed under a Policy.
Yes, even if Base Sum Insured and Increased Sum Insured under I-Protect (if any) has been partially exhausted due to claims made and paid or claims made and accepted as payable for any Illness / Injury during the Policy Year, then We will provide a Re-fill amount of maximum up to 100% of the Base Sum Insured which may be utilized for claims arising in that Policy Year for different/unrelated illness.
Customer has the option to opt out of the benefit at the time of Renewal of the Policy. In such case, the accumulated Increased Sum Insured under I-Protect shall:
i. Not increase further and remain constant, if you pay the same additional percentage of premium as paid in the preceding Policy Year for this benefit. Or
ii. Be reduced to zero, if you do not pay any additional premium for this benefit.
If an insured person is covered in individual policy where he opted for I-Protect benefit and has an accumulated
No we do not have Family First Option. Only individual and family floater options are available.
Yes, there will be a discount of 10% in the First Policy Year Base Premium and all subsequent Renewal Base Premium, if Age of the eldest Insured Person at the time of inception of the First Policy with Us is less than or equal to 35 years.
Answer: Alternative treatments are covered up to Sum Insured. Any inpatient treatment taken under Ayurveda, Unani, Sidha or Ayurveda in a recognised AYUSH Hopital are covered.
Any adult Insured Person on the commencement of that Policy can avail health checkup from very 1st day of the policy; he/she needs not to wait till first renewal. Health check is not available for policy with less than 3 lacs sum insured.
We will cover Pre-Hospitalization Medical Expenses for 90 days immediately preceding the Insured Person’s admission to Hospital for Inpatient Care and it is covered up to sum insured.
The medical conditions and/or surgical treatment listed below will be subject to a Waiting Period of 24 months unless the condition is directly caused by Cancer (covered after Initial Waiting Period of 30 days) or an Accident (covered from day 1) and will be covered in the third Policy Year as long as the Insured Person has been insured continuously under the Policy without any break:
a. Pancreatitis and Stones in biliary and urinary System
b. Cataract, Glaucoma and other disorders of lens, disorders of retina
c. Hyperplasia of prostate, hydrocele and spermatocele
d. Abnormal utero-vaginal bleeding, female genital prolapse, endometriosis/adenomyosis, fibroids,
PCOD, or any condition requiring dilation and curettage or hysterectomy
e. Hemorrhoids, fissure or fistula or abscess of anal and rectal region
f. Hernia of all sites,
g. Osteoarthritis, Systemic Connective Tissue disorders, Dorsopathies, Spondylopathies, inflammatory Polyarthropathies, Arthrosis such as RA, Gout, Intervertebral Disc disorders
h. Chronic kidney disease and failure
i. Varicose veins of lower extremities
j. Disease of middle ear and mastoid including Otitis Media, Cholesteatoma, Perforation of Tympanic Membrane
k. All internal or external benign or In Situ Neoplasms/Tumours, Cyst, Sinus, Polyp, Nodules, Swelling,
Mass or Lump
l. Ulcer, Erosion and Varices of Upper Gastro Intestinal Tract
m. Tonsils and Adenoids, Nasal Septum and Nasal Sinuses
n. Internal Congenital Anomaly
If the Insured Person is suffering from the above Illness/condition as a Pre-existing Diseases (if disclosed by the Insured Person and accepted by Us), any claim in respect of that Illness/condition shall not be covered until 36 months of continuous coverage have elapsed since the inception of the First Policy with Us.
Please note that Waiting Periods shall not apply to Health Checkup / Diagnostic Tests, Second Medical Opinion, OPD Consultation, Behavioral Assistance Program and optional benefits (if opted) under Health Coach and Personal Accident Cover.
Answer: If any Insured Person who is a child and has completed Age 22 years at the time of Renewal, then such Insured Person will have to take a separate policy.
No, this benefit can be opted only at inception of the first Policy with Us and not at Renewal of the Policy.
I-Protect is an optional benefit which can be opted only at inception of first policy with us. If the Policy is Renewed with Us without a break, each Policy Year We will increase the Sum Insured applicable under the Policy by 10% of the Base Sum Insured of the immediately preceding Policy Year
Please note that this benefit cannot be opted at renewal of the policy
Answer: We will Cover Post-Hospitalization Medical Expenses for 180 days immediately following the Insured Person’s discharge from Hospital and it is covered up to sum insured.
Policy holder may purchase medicines and diagnostic services from Our Empaneled Service Provider through Our mobile application or website. The cost for the purchase of the medicines or diagnostic services shall be borne by policyholder.
Emergency ambulance is covered up to Rs.3000 per hospitalization
- Annual Aggregate Deductible
- Zonal Co-Payment (Zone 2 coverage). If You select Zone 2 coverage, then 20% Co-payment will apply for Inpatient treatment in Mumbai (including Thane and Navi Mumbai), Delhi NCR, Kolkata & Gujarat State. This Zone-wise Co-payment shall not be applicable on OPD Consultation, Emergency Ambulance, Health Checkup / Diagnostic Tests, Second Medical Opinion, Behavioral Assistance Program and Personal Accident Cover.
The utilization can be done by any of the insured persons including dependent child.
Answer: All the benefits under the Policy and any treatment taken unless the treatment needed is the result of an Accident that occurs during the Policy Period will be subject to a waiting period of 30 days since the inception of the First Policy with Us. Please note that Waiting Periods shall not apply to Health Checkup / Diagnostic Tests, Second Medical Opinion, OPD Consultation, Behavioral Assistance Program and optional benefits (if opted) under Health Coach and Personal Accident Cover.
Yes, we will cover OPD Consultation taken by the Insured Person during the Policy Period (Number of consultation depending on sum insured). Please note that the OPD consultation available under the product can only be availed within the network of doctors empaneled with us. Such doctors can be searched through our website and mobile application.
If the Insured Person in the expiring Policy is covered under an Individual Policy and has an accumulated Increased Sum Insured under I-Protect in the expiring Policy under this benefit, and such expiring Policy is Renewed with Us on a Family Floater Policy, then the I-Protect benefit and the accumulated Increased Sum Insured under I-Protect shall also be provided to the Family Floater Policy.
The maximum liability for a single claim after applying Re-fill benefit shall not be more than Base Sum Insured and Increased Sum Insured under I-Protect (if any).
If the Insured Person is diagnosed with a Specified Illness as defined under policy schedule or is planning to undergo a planned Surgery or a Surgical Procedure for any Illness or Injury, the Insured Person can, at the Insured Person’s sole direction, obtain a Second Medical Opinion during the Policy Period.
Who can avail optional benefit of health coach in Go Active?
This benefit is available either to the Primary Insured Person or Primary Insured Person along with his/her spouse.
Under Behavioral Assistance Program benefit, we cover the counseling sessions through telephonic mode to provide support on pre-marital counseling, nutrition, stress, child and parenting taken by the Insured Person during the Policy Period.
This benefit is available for policy with sum insured of 3 lacs and above.