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Aditya Birla Activ Care Health Insurance

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Aditya Birla Health Insurance
Activ Care
Claim Settlement Ratio94%
COVID-19 CoverYes
In-House Claim SettlementAvailable
Network Hospitals6,000+
Policies Sold1,86,244+

About Aditya Birla Activ Care Health Insurance

Aditya Birla Activ Care is a medical insurance policy which is designed to cover individuals in their older ages. The policy provides coverage on an indemnity basis where the incurred medical expenses are paid as claim. The scope of coverage under the plan is quite wide as the plan has both inbuilt as well as optional coverage benefits. Besides covering the basic hospitalisation expenses, the plan also provides coverage for home treatments, air ambulance in case of both domestic and international emergency, health assessments, etc.

The plan comes in three variants of Standard, Classic and Premier with the sum insured levels starting at Rs. 3 Lakh and going up to Rs. 25 Lakh. There is no limit on room rent and ICU room rent under any plan variant and the actual coverage benefits depend on the variant selected. The policy can also be taken for two consecutive years and there are attractive premium discounts for making the premiums more affordable.

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Key Inclusions and Exclusions of the Plan

What's Included

  • Sum insured is reloaded if it is exhausted due to claim
  • Organ donor expenses covered under Classic and Premier coverage variants
  • Home treatment cover is available for up to a specified limit
  • Value-added benefits of health assessment, health coach, health returns, etc.
  • Second medical opinion if the insured suffers from a critical illness

What's Not Included

  • Self-inflicted injuries, attempted suicides or acts of criminal nature
  • Expenses for the treatment of injuries occurred due to war or nuclear threats, riot, strike
  • Injury due to participation in hazardous activities, unlawful acts, and sports
  • Treatment taken for weight management issues, mental disorder or congenital diseases
  • Expenses incurred in the treatment of sexually transmitted ailments, AIDS, HIV

1720 Aditya Birla Cashless Network Hospitals in India

Choose Aditya Birla Health Insurance Critical Illness Plan

Activ Care User Reviews

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What users are saying
  • All
  • I came to InsuranceDekho looking for a health cover for my grandparents. I navigated through the website and c...

    Read More
    By Tanuj Sharma
    On: Feb 22, 2021
  • This is a plan for old people and I bought this plan one year back. I am very much satisfied with this plan as...

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    By Ramesh Pawar
    On: Feb 25, 2020
  • I am a senior citizen and using this plan for more than 1 year. I earn by pension and this plan is very afford...

    Read More
    By Vedprakash Singh
    On: Feb 06, 2020
  • This plan is not just protecting my parents from daily health related troubles but also gifting a sense of rel...

    Read More
    By Suryavardhan
    On: Jan 24, 2020
  • I am a senior citizen and was searching for a health policy for me and my wife. Then, Insurance Dekho’s ...

    Read More
    By Prakash Chandra
    On: Jan 24, 2020

Add-ons to Enhance Benefits

  • Nursing at home cover

    Nursing at home cover wherein the cost incurred in hiring a nurse is covered. A fixed benefit of up to INR 1500 per day is paid for a maximum of 15 days.
  • Lifestyle support equipment

    Lifestyle support equipment, if required by the insured to live his/her life properly is covered. The plan pays a benefit for buying such equipment.

  • Portable medical equipment cover

    Portable medical equipment cover for buying the required equipment can be taken. The benefit pays up to a specified amount for buying the required equipment like oxygen cylinder, ventilator, etc.

  • Advanced health check-up cover

    Advanced health check-up cover under which the company arranges advanced health check-ups of the insured members every policy year.
  • Room upgrade

    Room upgrade wherein coverage is allowed for upgrading the hospital room.
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Aditya Birla Activ Care Expert Review

  • Expert Review

    As we grow older, the necessity of a health insurance plan increases. Senior Citizens are more prone to illnesses than people of any other age. The biggest challenge they face then is to find proper treatment without worrying about the expenses. In the old age, people fall ill more frequently, which increases medical expenses. On this note, Aditya Birla has come up with a plan called Activ Care to serve senior citizens.  

    The plan is available in 3 variants, known as Standard, Classic and Premier, which people can buy on an individual or a family floater basis. The people between the age group of 55 years and 80 years are eligible to buy this policy for the sum insured ranging from Rs. 3 Lakh to Rs. 25 Lakh. Hence, the plan tries to offer every possible feature for senior citizens and parents.  

  • Major Attractions

    In the old age, people are required to care more for their health. The Aditya Birla Activ Care acquires as many benefits as possible to provide complete healthcare for senior citizens. The plan holds the common features like Pre and Post hospitalisation medical expenses, In-patient hospitalisation, OPD treatment cover for medical consultation and diagnostic tests, and so on. In addition to these, there are several other offerings of the plan that entice customers the most. Some of them are as follows:

    • Annual health check-up is covered
    • Coverage for 586 daycare procedures
    • 50% to 100% reload of the sum insured is allowed once a year
    • The option of domiciliary hospitalisation expenses is available
    • The cover is offered for organ donor expenses
    • Coverage for Ayush related procedures is provided
    • Domestic and International emergency assistance services such as air ambulance
    • Availability of the second opinion for major illnesses
  • What’s More?

    The features of the plan don’t just cover the medical expenses but also offer benefits. The policy offers some discounts and money-saving benefits to its customers. These benefits make the plan more affordable and attractive. Here are the following beneficial components:

    • The option of lifelong renewability is available
    • No Claim Bonus (NCB) of 10% sum insured is provided for every claim free year
    • Availability of health and wellness discounts on the OPD procedures
    • The option of earning Health Returns up to 21% of the premium amount
    • Earn tax benefits on the policy premium as per sec 80D of the IT Act
  • Conclusion

    The features of the plan are indeed helpful and lucrative. No person would like to miss this policy for gifting to his or her parents. Thus, if you are looking for a health insurance plan for your parents or yourself, get it now.  

    In addition, to examine the benefits of the plan, selecting the correct mode of buying the plan is also necessary. Hence, observing the health insurance industry, every expert suggests customers purchase health plans from It is considered the most authentic site when it comes to the health insurance sector. Here customers get to know detailed information related to terms and conditions, policy wording, brochures, etc., of the plan and help them during claim settlement time as well. 

Aditya Birla Activ Care Brochure

  • 1.26 MB
  • PDF Document
  • Jun 08, 2019

Claim Process at Aditya Birla Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 48 hours and for planned hospitalisation intimate within 3 days prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 48 hours and for planned hospitalisation intimate within 3 days prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Activ Care Health Insurance Plan

  • Who can buy the policy?

    Individuals aged 55 years to 80 years can buy the policy on an individual or family floater basis. In case of family floater basis, coverage can only be taken for self and spouse.

  • Which premium discounts are allowed under the policy?

    The policy allows different types of premium discounts. Firstly, if the policy is taken for two years and a single premium is paid, a discount of 7.5% is allowed on the premium. Secondly, if two members are covered, discount of 5% is allowed. 

  • What is co-payment?

    Co-payment is when the policyholder has to bear a part of the claim from his/her own pockets. Co-pay is usually applicable in cases when older individuals are insured. Under the Activ Care plan, co-payment is applicable @ 20% for Standard and Classic Plans and 10% for Premier Plan. This means that the policyholder would have to pay 20% or 10% of the claim himself and the insurance company would then settle the remaining.

  • What are the variant specific sum insured levels?

    Sum insured under Standard and Classic Plans are Rs. 3 Lakh, Rs. 4 Lakh, Rs. 5 Lakh, Rs. 7.5 Lakh and Rs. 10 Lakh. For Premier Plan the coverage level is Rs. 5 Lakh, Rs. 7.5 Lakh, Rs. 10 Lakh and Rs. 25 Lakh.

  • Are organ donor expenses covered under the plan?

    Yes, organ donor expenses are covered under the Classic and Premier Plans. Under the Classic plan, the expenses are covered for up to 50% of the sum insured while under the Premier Plan coverage is allowed for up to the full sum insured.

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