Is joint replacement surgery subject to the standard waiting period?

No, while standard pre-existing diseases and specified illnesses carry a 24-month waiting period, joint replacement surgery under the standard plan carries a specific 36-month waiting period unless required due to an accidental injury.

Does the Activ Care Standard plan cover organ donor expenses?

No, organ donor hospitalisation costs are excluded under the standard variant and are only covered under the higher Classic and Premium variants.

Are chronic conditions like hypertension or diabetes covered from day one?

No, any condition diagnosed or treated prior to purchasing the policy is considered a pre-existing disease and becomes eligible for coverage only after completing the mandatory 24-month waiting period.

What happens to my claim payout if I choose a single private room instead of a shared room?

Selecting a higher room category than the eligible shared room triggers a proportional deduction. The insurer will reduce coverage proportionally across room charges, nursing fee, and doctor consultations, leaving you to pay the difference out of pocket in addition to your 20% co-payment.

Does the 20% co-payment apply to daycare and AYUSH treatments?

Yes, the 20% copayment is mandatory across all claim types, including inpatient hospitalisation, daycare procedures, domiciliary treatment, and AYUSH therapies.

Can I add my dependent children or other family members to this policy?

No, the Activ Care Plan is designed specifically for senior citizens (entry age: 55 to 80 years). Under the family floater option, coverage is restricted solely to the primary insured and their legally wedded spouse.

What is the cancellation policy during the free-look period?

You can cancel the policy within 15 days of receiving the policy documents. The insurer will refund your premium after deducting expenses incurred on medical examinations, stamp duty charges, and proportionate risk coverage for the period used.

OneAssure

Health Insurance

Aditya Birla

Active Care Standard

Active Care Standard Plan

Get cover from age 55 in a shared room, with pre-existing diseases covered after 2 years, a once-a-year reload of 50% of the sum insured, and a 20% co-pay on inpatient and day-care claims.

97.27%

Claim Settlement Ratio

11,000+

Network Hospitals

1.75/10

Plan Rating

Policy Brochure

Policy Policy Wording

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Our Verdict

Expert Review: Aditya Birla Active Care Standard

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

What Is Active Care Standard?

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.

Standard Ratings

Standard

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

Aditya Birla Active Care Standard Inclusions and Exclusions

Modern Treatment

Covered, subject to policy terms.

ICU Charges

As per applicable policy limits.

Cumulative Bonus

10% of sum insured per year, up to 50%.

Consumable Cover

Available subject to applicable cover/term.

Initial Waiting Period

30 days, except accidents.

Specific Waiting Period

24 months

PED Waiting Period

24 months

Annual Health Checkup

Covered once every policy year.

Post-Hospitalisation

60 days.

Outpatient Department Cover (OPD Expense)

Health returns can be used towards eligible OPD/Ayush expenses.

Disease-wise sublimits

Applicable to specified treatments

Restoration Benefit

50% restoration, once for a different illness, as applicable

Pre-Hospitalisation

30 days

Claim Settlement Ratio

97%

Room Rent

Shared room

Cashless Healthcare Providers

16,500+ across the insurer's current network

Daycare Treatment

Covered

Deductible Option

Optional deductible options may be available; refer to policy schedule.

Coverage Options

Individual/family floater, subject to product eligibility

Maternity Cover

Not available as a standard benefit.

AYUSH Treatment

Covered, subject to policy terms.

Co-payment

20% mandatory

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.

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About the company

About Aditya Birla

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 Insurance continues to build trust among policyholders. Its focus on innovation and holistic wellbeing makes it a dependable choice for those seeking comprehensive, wellness-driven health protection.

FAQs

Frequently Asked Questions

Got questions about health insurance? You're not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.