Who is the Aditya Birla Activ Care Classic plan specifically designed for?

This plan is tailored specifically for senior citizens. Unlike generic health policies that have high entry barriers for elderly individuals, the Activ Care Classic plan focuses on providing comprehensive medical security, wellness rewards, and specialized post-hospital care options that older adults frequently require.

What is the co-payment rule in this plan? How does it affect my claim?

Because this policy covers senior citizens who naturally carry a higher medical risk, it comes with a mandatory 20% co-payment across all claims. This means for every valid hospital or treatment bill, you will need to pay 20% of the total approved amount out of your own pocket, while Aditya Birla settles the remaining 80%.

What unique post-hospitalization support does this plan offer for elderly patients?

Recovering from surgery or major illness can be tough for seniors once they leave the hospital. To tackle this, the Activ Care Classic plan includes a dedicated Home Nursing benefit. If your doctor prescribes it, the plan covers the expenses of a qualified nurse at your residence immediately after discharge, bridging the gap between hospital care and complete recovery.

What are the room rent limits if I get hospitalized?

Under the Classic tier, the eligible hospital room category is a Shared Room. If you choose to upgrade to a Single Private Room during your stay, you can absolutely do so, but you will have to pay the proportionate difference in room rent and associated doctor/surgical fees yourself at the time of discharge. However, for serious emergencies, ICU charges are fully covered up to your total Sum Insured without any separate sub-limits.

What are the waiting periods for pre-existing diseases and illnesses?

To keep premium costs manageable, the plan utilizes clear, structured timelines before specific claims are unlocked:Accidents: Covered instantly from Day 1.Initial Illness Window: A standard 30-day waiting period applies to regular sickness claims right after purchasing the policy.Specific Health Conditions (e.g., Cataract, Joint Replacement): 24 months.Pre-Existing Diseases (PED): Unlike many senior citizen plans that make you wait 3 to 4 years, this plan features a shorter 24-month (2-year) waiting window before conditions you had prior to buying the policy are fully covered.

Can I get a reward for maintaining a active, healthy lifestyle?

Yes. Aditya Birla encourages active living through their HealthReturns program. Even as a senior citizen, you can earn financial rewards by completing regular step goals or health checkup milestones guided by your assigned personal health coach. These earned rewards can be accumulated and used to offset your subsequent policy renewal premiums.

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 11000 network hospitals with sum insured up to ₹50 lakhs.

96

Claim Settlement Ratio

11000

Network Hospitals

8

Customer Rating

Policy Policy Wording

Policy Brochure

Get a Quote

96

Claim Settlement Ratio

11000

Network Hospitals

8

Customer Rating

Policy Policy Wording

Policy Brochure

Our Verdict

Expert Review: Aditya Birla Health Insurance

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.

Classic Ratings

Classic

Insurer Rating

5.55

out of 10

Insurance Rating

1.75

out of 10

No Room Rent Limit

Add on

Consumables Covered

No

No Co-payment

No

Loyalty Bonus >= 500%

Add on

No Disease Sublimits

No

Unlimited Restoration

No

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

Yes

Maternity Available

No

Waiting Period Waiver

No

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

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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.

Cashless Healthcare Providers

11000+ Cashless Hospitals.

Waiting Period

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

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

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.

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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...

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...