Aditya Birla Activ Care Premiere

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

Covered in the base plan, including non-medical consumables used during hospitalisation.

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

2 years for listed specific illnesses and procedures.

2 years for pre-existing diseases — a shorter-than-usual waiting period, 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 for60 days following discharge.

Pre-hospitalisation medical expenses covered for30 days prior to hospitalisation.

Not covered in the base plan. Tele-OPD e-consultationsare 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 for senior citizens.

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.

Cashless treatment available at 11,000+ network hospitals across India.

586 daycare procedures covered, even when hospitalisationis less than24 hours.

Certain treatments carry sub-limits — including domiciliary hospitalisationcapped at10% of Sum Insured,and organ donor expenses up to50% of Sum Insured.

100% of the Sum Insured is restored for subsequent hospitalisations due to a different illnessin the same policy year.