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

96%

Claim Settlement Ratio

11000+

Network Hospitals

7.6

Customer Rating

Policy Brochure

Get a Quote

96%

Claim Settlement Ratio

11000+

Network Hospitals

7.6

Customer Rating

Policy Brochure

Our Verdict

Expert Review: Aditya Birla Active Care Premier

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 Active Care Premier

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...

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...

Premier Ratings

Ratings: Aditya Birla Premier

Insurer Rating

8.21

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 Active Care Premier

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.

Cashless Healthcare Providers

12354 + network hospitals.

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

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.

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.

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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...