Aditya Birla Activ Care Health Insurance plan is a comprehensive healthcare solution, especially for the elderly demographic. With a focus on providing extensive coverage and a multitude of benefits, this insurance policy emerges as a smart choice for individuals seeking reliable health coverage.
Aditya Birla Health Insurance Co. Ltd. administers this plan and stands out for its extensive network of over 7000+ hospitals nationwide offering cashless treatment facilities. This network ensures accessibility to quality healthcare services across various regions, enhancing peace of mind for insured individuals.
Beyond conventional coverage, the plan incorporates a spectrum of optional care benefits, augmenting its relevance to diverse healthcare needs. These include in-patient care, day-care treatments, domiciliary hospitalization, and home nursing services for a more holistic approach to health management.
In this guide, we will cover Aditya Birla Activ Care Health Insurance plan in detail.
Key Highlights of Aditya Birla Activ Care Health Insurance Plan
- Available in both Individual and Family Floater variants, catering to diverse preferences and requirements
- Tailored to meet the health needs of senior citizens, offering comprehensive coverage and support tailored to this demographic
- A range of sum insured options spanning from Rs 3 lakh to Rs 25 lakh, offering flexibility to align with varying healthcare requirements and budgetary constraints
- Coverage for 586 day care treatments for different medical needs that don’t need a long hospital stay
- NCB benefits for maintaining a claim-free record ranging from 10% to 50% for each consecutive claim-free year
- Flexibility to choose between tenure options of 1 or 2 years, allowing for greater customization and convenience in policy management and renewal processes
Also Read: List of IRDAI-Approved Health Insurance Companies in India
Key Features of Aditya Birla Activ Care Health Insurance Plan
- The initial waiting period for pre-existing and specific listed diseases is 24 months across all plans. However, Joint Replacement Surgery under the Standard Option has a waiting period of 48 months.
- The policy provides comprehensive coverage for all expenses accrued during hospitalization, thereby ensuring financial support for medical treatment and associated costs.
- The policy extends coverage to encompass 580+ day-care procedures, accommodating a wide range of medical interventions that necessitate minimal hospitalization.
- The policy offers coverage for pre-hospitalization expenses for a duration of up to 30 days and post-hospitalization expenses for up to 60 days.
- Organ Donor Expenses are covered under the Classic and Premier Options of the policy, thereby ensuring support for critical medical procedures and enhancing the scope of healthcare coverage.
- The policy offers flexible tenure options of 1 or 2 years, with renewability that has no age limit. This feature ensures sustained access to healthcare coverage without age-related restrictions.
- Policyholders have the option to access additional care benefits, such as nursing at Home, Advance Health check-up, etc. These supplementary benefits enhance the customization and relevance of the insurance plan to individual healthcare needs.
Benefits of Aditya Birla Activ Care Health Insurance Policy
Policyholders buying the Aditya Birla Activ Care Policy can select from three sum insured options, each offering distinct benefits:
| Options | Sum insured |
| Standard Option | Rs. 3L, 4L, 5L, 7.5L, and 10L. |
| Classic Option | Rs. 3L, 4L, 5L, 7.5L, and 10L. |
| Premier Option | Rs. 5L, 7.5L, 10L, and 25L |
The primary coverage includes in-patient treatment, pre-hospitalization expenses, post-hospitalization, medical expenses, reload of sum insured (Up to 50% in the Standard Option and 100% in the Classic & Premier Options, once per year) and Ayush treatment (exclusively in the Classic and Premier Options, with predefined limits).
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Inclusions of the Aditya Birla Activ Care Policy
In addition to the fundamental coverage provided, the policy offers a range of benefits, including:
- Road ambulance cover based on the plan option chosen (Up to Rs 2000 for Standard and Classic Options and Up to Rs 5000 for Premier Option)
- Coverage for incurred expenses ranging from Rs 25,000 to Rs. 50,000, depending on the selected plan option
- No Claim Bonus available in all plan options, offering varying percentages of sum insured as a bonus for every claim-free year
- OPD expenses coverage for investigation and doctor’s consultation fees in the Premier Option
To know more about the exclusions of the Aditya Birla Activ Care Policy, read the policy document carefully.
Eligibility Criteria of Aditya Birla Activ Care Policy
- Type: Available for both Individual and Family Floater options
- Minimum Entry Age: 55 years, ensuring accessibility to older demographics seeking comprehensive health coverage
- Maximum Entry Age: up to the age of 80 years
- Number of People Covered: individual and spouse only, accommodating dual coverage for married individuals
- Residential Status: Indian citizens and permanent residents
Cancellation Procedure for the Policy
Policyholders also have the option to cancel the Aditya Birla Capital Health Insurance Policy if they are dissatisfied with the services or terms & conditions. However, they need to follow certain rules, which are as follows:
- They must submit cancellation requests within 15 days of receiving the policy document to initiate the cancellation process.
- Upon cancellation, the premium paid will be refunded to the policyholder, with deductions applied for applicable charges.
- The policy can only be canceled if no claim has been lodged against it. This requirement ensures the cancellation process is streamlined and aligned with the policy’s terms and conditions.
By adhering to these guidelines, policyholders can effectively cancel the policy if deemed necessary.
FAQs
What is the waiting period for pre-existing conditions under the Aditya Birla Activ Care Health Insurance policy?
The waiting period for pre-existing conditions is 24 months across all plan options. However, for Joint Replacement Surgery, the waiting period is 48 months under the Standard Option.
Can I avail of coverage for organ donor expenses under the Aditya Birla Activ Care Policy?
Yes, coverage for organ donor expenses is available under the Classic and Premier Options of the policy, subject to specified amount limits.
Is there a No Claim Bonus (NCB) offered with the Aditya Birla Activ Care Policy?
Yes, the policy offers a No Claim Bonus (NCB) across all plan options, with varying percentages of sum insured for every claim-free year.
What are the eligibility criteria to avail of this policy?
The minimum entry age is 55 years, and the maximum entry age is 80 years. It is available for individuals or family floaters covering self and spouse only who are residents of India.
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