How does the waiting period affect my coverage?

The policy has a 30-day initial, 24-month specific disease, and 24-month pre-existing condition waiting period.

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

A no-claim bonus may increase the sum insured, rewarding policyholders for maintaining good health.

Will my health insurance cover treatment abroad?

The Activ Care Standard policy does not offer international coverage. Treatments available outside India are not included under this policy, and policyholders must seek medical care within the network of hospitals covered under the plan.

OneAssure

Health Insurance

Aditya Birla

Active Care Standard

Active Care Standard Plan

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

8.6

Customer Rating

Get a Quote

96

Claim Settlement Ratio

8000

Network Hospitals

8.6

Customer Rating

Our Verdict

Expert Review: Aditya Birla Health Insurance

Final Verdict

The Activ Care Standard Plan offers comprehensive coverage for senior citizens, including hospitalization, wellness support, and critical illness benefits. Ideal for seniors seeking medical security with additional wellness incentives and active lifestyle rewards.

About

About Aditya Birla Health Insurance

The Activ Care Standard Plan by Aditya Birla Health Insurance provides essential coverage for senior citizens, including in-patient hospitalization, ICU expenses, and 586 daycare treatments. It covers 30-day pre-hospitalization and 60-day post-hospitalization expenses. Policyholders receive a personal health coach for managing chronic conditions, nutrition, and wellness. Additionally, the plan includes HealthReturns, rewarding policyholders for maintaining an active lifestyle. This policy ensures comprehensive medical and wellness support, promoting a healthier and more secure life for seniors.

Inclusions and Exclusions

Inclusions and Exclusions of Aditya Birla Insurance Company Limited

Room Rent

Normal: Shared Room
ICU: 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

Cashless Healthcare Providers

11,000+ Cashless Hospitals

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: 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

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Exclusions

Pre-existing diseases covered after the waiting period.
Cosmetic or plastic surgery unless medically required.
Injuries due to hazardous activities or self-inflicted harm.
Treatment related to alcohol, drug abuse, or substance use.
Experimental, unproven, or non-standard treatments.
Infertility treatments, pregnancy, and maternity expenses.
Cost of hearing aids, spectacles, and contact lenses.
Injuries due to war, terrorism, or nuclear exposure.

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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...