Abhi Active Care Classic

Earn 10% of Base Sum Insured per claim-free year, accumulating up to a maximum of 50%.

Not covered in the base plan. Available as part of the Future Secure add-on.

30 days from policy inception for general illnesses. Accidental hospitalisation is covered from day 1.

2 years for listed specific illnesses and procedures (including cataract, glaucoma, sinusitis, and rhinitis).

2 years for pre-existing diseases — a shorter-than-usual waiting period that is particularly helpful for seniors managing chronic conditions.

Available as an add-on — the Advanced Health Check-up covers additional tests like mammography, PAP smear, thyroid function test, TMT, chest X-ray,and abdominal sonography on a cashless basis.

Post-hospitalisation medical expenses covered for 60 days following discharge.

Pre-hospitalisation medical expenses covered for 30 days prior to hospitalisation.

Not covered in the base plan. Tele-OPD e-consultations are available as an add-on.

Not a core feature of this variant — verify availability from the policy wordings.

Sum Insured options from ₹3 lakh up to ₹10 lakh, designed especially for senior citizens aged 55 to 80 years.

Not available in this plan.

Covered for listed AYUSH treatments, subject to policy terms.

20% co-payment applies on admissible claims.

Aditya Birla Health Insurance reports a 96% claim settlement ratio(3-year average).

ICU charges covered up to the Sum Insured.

ICU charges covered up to the Sum Insured.

586 daycare procedures covered, even when hospitalisation is less than 24 hours.

Certain treatments carry sub-limits — including domiciliary hospitalisation capped at 10% of Sum Insured,and organ donor expenses up to 50% of Sum Insured.