How does the waiting period affect my coverage?

The Abhi Activ Care Premium plan includes a 30-day waiting period, with no claims covered except accidental injuries. Pre-existing conditions are covered after 24 months, and specific illnesses may have up to 24 months of waiting.

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

If no claims are made during the policy year, you may receive a No Claim Bonus (NCB), increasing your sum insured by a fixed percentage yearly, up to a specified limit.

Does the Abhi Activ Care Premium plan cover treatment abroad?

The plan provides coverage within India, with optional add-ons offering limited international medical emergency coverage. It’s advisable to inquire about global coverage options with the insurer if needed.

Does the Aditya Birla Activ Care Premiere cover pre-existing diseases?

Yes, the Aditya Birla Activ Care Premier plan covers pre-existing diseases. However, treatment for such conditions is subject to a waiting period of 24 months from the policy's inception

OneAssure

Health Insurance

Aditya Birla

Active Care Premier

Aditya Birla Activ Care Premiere

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

7.6

Customer Rating

Get a Quote

96

Claim Settlement Ratio

8000

Network Hospitals

7.6

Customer Rating

Our Verdict

Expert Review: Aditya Birla Health Insurance

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Final 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

About Aditya Birla Health Insurance

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.

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...

Inclusions and Exclusions

Inclusions and Exclusions of Aditya Birla Insurance Company Limited

Room Rent

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 Period

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.

Daycare Treatment

586 listed day care procedures covered by the policy.

AYUSH Treatment

Covered by the policy

Room Rent

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.

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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.

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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...