Who is the Activ Care Standard Plan built for, and what core benefits does it offer?

This plan is specifically built to provide an affordable medical fallback for senior citizens. It secures your elderly family members by taking care of core healthcare needs, including overnight in-patient hospitalizations, critical intensive care unit (ICU) charges, and 586 specific daycare treatments that wrap up in less than 24 hours.

How does the 20% co-payment rule apply to my treatment bills?

Because senior citizens carry a higher healthcare risk profile, this plan features a fixed 20% co-payment across all mainstream claims (including inpatient hospital stays, AYUSH, day care, and domiciliary treatments).This means for every approved claim amount, you will handle 20% of the bill from your own pocket, while Aditya Birla takes care of the remaining 80% directly with the network hospital.

What types of hospital rooms can I select under this plan?

The eligible room category under the Standard plan is a Shared Room. If you choose to occupy a Single Private Room instead, you can do so, but you will need to pay the proportionate cost differences for the room tariff and associated medical fees at the time of discharge. However, if a medical emergency requires intensive monitoring, ICU charges are fully covered up to your maximum Sum Insured without any separate daily caps.

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

The plan uses standard, clear timelines to help keep annual premium costs stable:Accidents: Active immediately from Minute 1. There is zero waiting period for accidental injury treatments.Initial Waiting Period: 30 days for general illnesses. Sickness contracted in the first 30 days after buying the policy is not covered.Specific Illnesses (e.g., Cataracts, Hernias): 24 months of continuous policy renewals are required.Pre-Existing Diseases (PED): Conditions you already have before purchasing the policy face a shorter 24-month (2-year) waiting window, which is significantly faster than the 3 to 4 years required by standard health plans on the market.

Does the plan offer any support for managing long-term health issues?

Yes, it does. Managing chronic conditions like hypertension or diabetes is a core part of senior care. The plan assigns a personal health coach to the policyholder. This coach provides tailored wellness guidance, nutritional roadmaps, and health tracking to help seniors manage lifestyle conditions effectively from home.

Can my parents earn a discount on their policy by staying active?

Absolutely. Through the HealthReturns program, the policy tracks healthy habits and physical activity. By hitting basic step goals and health milestones guided by their health coach, your parents can accumulate reward points. These points can eventually be used to reduce the premium amount due during their next annual policy renewal.

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

96

Claim Settlement Ratio

11000

Network Hospitals

8.6

Customer Rating

Policy Brochure

Policy Policy Wording

Get a Quote

96

Claim Settlement Ratio

11000

Network Hospitals

8.6

Customer Rating

Policy Brochure

Policy Policy Wording

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

About Aditya Birla 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

Ratings: Aditya Birla 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

Inclusions and Exclusions of Aditya Birla Active Care Standard

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.

Cashless Healthcare Providers

11,000+ 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: 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 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

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...