Active Care Standard Plan
Aditya Birla Health Insurance
8.6/10
OneAssure Rating
8.6/10
OneAssure Rating
Highlighted Features
20% Co-Payment
A mandatory 20% co-payment is applicable on all claims, including inpatient hospitalization, domiciliary care, AYUSH treatments, home treatment, and daycare procedures. This means policyholders are required to share a portion of the medical expenses for these services.
Room Rent (Normal & ICU)
The policy covers a shared room for normal hospitalization and ICU charges up to the sum insured, ensuring financial security during hospital stays without additional out-of-pocket expenses.
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Policy Wording
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Our Verdict
The Activ Care Standard Plan offers comprehensive coverage for senior citizens, including hospitalization, wellness support, and critical illness benefits. Ideal for seniors seeking medical security with additional wellness incentives and active lifestyle rewards.
About the Plan
The Activ Care Standard Plan by Aditya Birla Health Insurance provides essential coverage for senior citizens, including in-patient hospitalization, ICU expenses, and 586 daycare treatments. It covers 30-day pre-hospitalization and 60-day post-hospitalization expenses. Policyholders receive a personal health coach for managing chronic conditions, nutrition, and wellness. Additionally, the plan includes HealthReturns, rewarding policyholders for maintaining an active lifestyle. This policy ensures comprehensive medical and wellness support, promoting a healthier and more secure life for seniors.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent (Normal & ICU)
Normal: Shared Room
ICU: 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
11,000+ 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 covered after the waiting period.
Cosmetic or plastic surgery unless medically required.
Injuries due to hazardous activities or self-inflicted harm.
Treatment related to alcohol, drug abuse, or substance use.
Experimental, unproven, or non-standard treatments.
Infertility treatments, pregnancy, and maternity expenses.
Cost of hearing aids, spectacles, and contact lenses.
Injuries due to war, terrorism, or nuclear exposure.
Congenital diseases and related complications.
Participation in adventure or professional sports.
Exclusions
Enhanced No-Claim Bonus - Increases sum insured for every claim-free year.
Hospital Cash Benefit - Daily cash allowance during hospitalization.
Unlimited Teleconsultation - Free doctor consultations via telemedicine.
Accidental Death Cover - Lump sum payout for accidental death.
Critical Illness Cover - Additional coverage for major illnesses.
Add-ons
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Why OneAssure?
We help you maximize your coverage over time for stronger protection.
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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