How does the waiting period affect my coverage?

The policy has a 30-day initial, 24-month specific disease, and 24-month pre-existing disease waiting period.

What happens if I don’t use my health insurance benefits for the entire year?

No-claim bonuses aren’t available, but premiums remain stable without claim-based increases.

Will my health insurance cover treatment abroad?

The policy covers treatment only in India; international medical expenses are not reimbursed.

OneAssure

Health Insurance

Aditya Birla

Active Care Classic

Abhi Active Care Classic

Experience India's most trusted health insurance with Aditya Birla Health Insurance. Get instant cashless treatment at 8000 network hospitals with sum insured up to ₹50 lakhs.

96

Claim Settlement Ratio

8000

Network Hospitals

8

Customer Rating

Get a Quote

96

Claim Settlement Ratio

8000

Network Hospitals

8

Customer Rating

Our Verdict

Expert Review: Aditya Birla Health Insurance

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Final 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

About Aditya Birla Health Insurance

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.

Inclusions and Exclusions

Inclusions and Exclusions of Aditya Birla Insurance Company Limited

Room Rent

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 Period

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.

Daycare Treatment

586 Day care procedures covered

AYUSH Treatment

Covers treatments under Ayurveda, Unani, Siddha, and Homeopathy systems up to Sum Insured.

Room Rent

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 Period

Initial Waiting Period: 30 Days(not applicable in case of an accident)
Specified Diseases: 24 Months
Pre-Existing Diseases: 24 Months

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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.

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About the company

Aditya Birla Health Insurance, part of the Aditya Birla Capital Group, is among India’s most reliable and customer-centric health insurers. The company aims to go beyond basic protection by focusing on preventive healthcare, wellness programs, and rewards for maintaining a healthy lifestyle. It provides a wide range of health plans for individuals, families, and senior citizens, offering flexible sum insured options and comprehensive benefits. With a strong network of over 8,000 hospitals across India, Aditya Birla ensures easy access to quality medical care through a smooth cashless claim process. The insurer also offers features like chronic care management, annual health check-ups, and value-added wellness services to promote long-term health. Backed by 24/7 customer support, quick claim settlement, and a transparent service approach, Aditya Birla Health...

Aditya Birla Health Insurance, part of the Aditya Birla Capital Group, is among India’s most reliable and customer-centric health insurers. The company aims to go beyond basic protection by focusing on preventive healthcare, wellness programs, and rewards for maintaining a healthy lifestyle. It provides a wide range of health plans for individuals, families, and senior citizens, offering flexible sum insured options and comprehensive benefits. With a strong network of over 8,000 hospitals across India, Aditya...