
Aditya Birla Health Insurance For Senior Citizens Plan
Aditya Birla Health Insurance
7.6/10
OneAssure Rating
7.6/10
OneAssure Rating
Highlighted Features

Room Rent (Normal & ICU)
This policy includes room rent coverage, offering a single private room for normal hospitalization and no cap on ICU stays.

Advanced Treatments
Coverage includes advanced treatments such as coronary angiography, cancer radiotherapy, chemotherapy, and palliative care, ensuring access to essential medical support during critical times.
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Our Verdict
Aditya Birla Activ Care Premier offers comprehensive coverage tailored for seniors, including OPD expenses and a reduced 2-year waiting period for pre-existing conditions. However, it imposes a 20% co-payment on specific treatments and lacks a monthly premium payment option. Ideal for individuals aged 55 and above seeking extensive health coverage despite higher premiums.
About the Plan
The Aditya Birla Activ Care Premier Plan is a thoughtfully crafted health insurance policy aimed at providing comprehensive coverage for senior citizens, ensuring financial security during medical emergencies. This plan covers a wide range of healthcare needs, including inpatient hospitalization, pre- and post-hospitalization expenses, daycare treatments, and home care procedures. It offers additional benefits like annual health check-ups, AYUSH treatment coverage, and wellness programs to promote healthy living. With features such as cashless hospitalization across an extensive network of hospitals, no-claim bonuses, and optional add-ons for critical illness or personal accident cover, the plan ensures holistic care. Its tailored benefits and focus on senior citizens' unique requirements make it a reliable choice for safeguarding their health and well-being.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent (Normal & ICU)
Normal: single private A/C room
ICU: covered up to sum insured
Advanced Treatments
Including robotic surgeries, stem cell therapy (for specific conditions), and modern procedures like laser treatments and bariatric surgery.
Co-payment
10% co-pay for all Inpatient Hospitalization.
Waiting Periods
Initial waiting period (not applicable in case of accident and subsequent renewal): 30 days
Pre Existing Disease waiting period: 24 months
Specific illness: 24 months
Cashless Healthcare Providers
12354 + network hospitals.
Day Care Treatments
586 listed day care procedures covered by the policy.
AYUSH Treatment
Covered by the policy
Exclusions
Pre-existing conditions are covered after the specified waiting period and not immediately from the policy start date.
Cosmetic or aesthetic treatments, including plastic surgery, unless medically necessary due to accidents or injuries.
Dental treatments, except for those arising from accidental injuries requiring hospitalization.
Treatments related to alcohol or drug abuse, including detoxification and rehabilitation programs.
Injuries or conditions resulting from participation in hazardous activities, adventure sports, or self-inflicted harm.
Any treatment for sexually transmitted diseases (STDs) or HIV/AIDS unless covered under specific terms.
Routine check-ups, preventive treatments, and vaccinations unless covered by additional benefits.
Treatment for conditions arising from war, nuclear risks, or biological warfare.
Congenital diseases or disorders unless specified in the policy.
Non-medical expenses, such as administrative charges, service fees, or room rent above the limits.
OPD consultations and treatments that do not require hospitalization.
Hospitalization solely for diagnostic tests or investigations without active treatment.
Exclusions
Hospital Daily Cash - Provides a daily cash benefit during hospitalization to cover non-medical expenses, offering additional financial support while you focus on recovery.
Critical Illness Coverage - Offers additional coverage for specified critical illnesses like cancer, heart attack, and stroke, ensuring comprehensive protection against high medical costs for serious health conditions.
Personal Accident Cover - Enhances coverage for accidental injuries, offering a lump sum benefit in case of accidental death, permanent disability, or hospitalization due to an accident.
Maternity and Newborn Cover - Provides financial protection for maternity-related expenses, including childbirth and newborn baby care, ensuring a smooth transition for new parents.
Global Emergency Cover - Extends coverage for medical emergencies that occur outside India, ensuring peace of mind while traveling abroad by covering hospitalization and treatment costs.
OPD Consultation Cover - Covers outpatient consultations, diagnostic tests, and medications, providing financial relief for non-hospitalized treatments and maintaining overall health.
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.