Abhi Active Care Classic Plan
Aditya Birla Health Insurance
8.0/10
OneAssure Rating
8.0/10
OneAssure Rating
Highlighted Features
Room Rent (Normal & ICU)
The policy covers a shared room for normal hospitalization, while ICU charges are covered up to the sum insured, ensuring financial support for critical care.
Co-payment
A mandatory 20% co-payment applies to all inpatient hospitalizations, domiciliary care, AYUSH treatments, home treatment, and daycare claims, requiring policyholders to share a portion of healthcare expenses.
Policy Wording
Brochure
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Our Verdict
The Activ Care Classic Plan is ideal for senior citizens, offering in-patient, ICU, and daycare treatments with added wellness benefits. Its comprehensive support, including home nursing and HealthReturns, makes it a robust option.
About the Plan
The Activ Care Classic Plan by Aditya Birla Health Insurance is a senior citizen-focused health policy covering in-patient hospitalization, ICU expenses, and 586 daycare treatments. It includes 30-day pre-hospitalization and 60-day post-hospitalization coverage. A key benefit is nursing at home after discharge. Policyholders also receive a personal health coach for wellness guidance. Additionally, the plan rewards healthy living through HealthReturns, encouraging an active lifestyle. This plan ensures comprehensive medical and wellness support for seniors.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent (Normal & ICU)
Normal: Shared Room
ICU: Charges covered up to Sum Insured.
Co-payment
20% co-pay for all Inpatient Hospitalisation, Domiciliary,Ayush, Home Treatment and Day care claims.
Waiting Periods
Initial Waiting Period: 30 Days(not applicable in case of an accident)
Specified Diseases: 24 Months
Pre-Existing Diseases: 24 Months
Cashless Healthcare Providers
11000+ Cashless Hospitals.
Day Care Treatments
586 Day care procedures covered
AYUSH Treatment
Covers treatments under Ayurveda, Unani, Siddha, and Homeopathy systems up to Sum Insured.
Exclusions
Pre-existing diseases not covered during the waiting period.
Any illness contracted within the first 30 days of policy issuance, except accidents.
Treatment related to self-inflicted injuries, suicide attempts, or substance abuse.
Cosmetic or aesthetic procedures, including plastic surgery unless medically necessary.
Dental treatment unless required due to an accident.
Non-allopathic treatments other than AYUSH coverage as specified.
Injuries or illnesses arising from participation in hazardous activities or adventure sports.
Expenses related to infertility treatments, birth control, or assisted reproductive techniques.
Treatment for HIV/AIDS and related conditions.
Congenital diseases, genetic disorders, and developmental conditions.
Medical expenses incurred for weight loss, obesity treatments, or bariatric surgery.
Unproven experimental treatments, research therapies, or investigational drugs.
Hospitalization primarily for rest, rehabilitation, or physiotherapy.
Any treatment received outside India unless covered under international benefits.
War, terrorism, nuclear exposure, or biological weapon-related injuries.
Exclusions
Enhanced Room Eligibility - Upgrade to a private or higher-category room for added comfort.
No Co-payment Option - Waive co-payment to reduce out-of-pocket expenses during hospitalization.
OPD Consultation Cover - Get coverage for outpatient consultations and doctor visits.
Add-ons
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About the Company
Aditya Birla Health Insurance Company (ABHICL), part of Aditya Birla Capital Ltd., is a trusted health insurance provider backed by the Aditya Birla Group and South Africa’s MMI Holdings. Since starting in 2015, ABHICL has focused on offering unique health plans like Chronic Care (for ongoing illnesses) and Incentivized Wellness, which promotes healthier living by rewarding good habits.
With pre-policy medical checkups for adverse pre-existing conditions, the company ensures tailored coverage and transparency, making it a trusted choice for individuals with specific and specialized health requirements.
Serving 21+ million lives, it combines comprehensive coverage with wellness benefits, empowering individuals to lead healthier lives with unparalleled care and support.
About the Company
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