Aditya Birla Activ Care Premiere
Aditya Birla
7.6/10
OneAssure Rating
7.6/10
OneAssure Rating
Highlighted Features
Room Rent (Normal & ICU)
This policy includes room rent coverage, offering a single private room for normal hospitalization and no cap on ICU stays.
Advanced Treatments
Coverage includes advanced treatments such as coronary angiography, cancer radiotherapy, chemotherapy, and palliative care, ensuring access to essential medical support during critical times.
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Our 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 the Plan
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 and focus on senior citizens' unique requirements make it a reliable choice for safeguarding their health and well-being.
About the Plan
Product Stats
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Features of the Product
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.
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
Cashless Healthcare Providers
12354 + network hospitals.
Daycare Treatment
586 listed day care procedures covered by the policy.
AYUSH Treatment
Covered by the policy
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.
Any treatment for sexually transmitted diseases (STDs) or HIV/AIDS unless covered under specific terms.
Routine check-ups, preventive treatments, and vaccinations unless covered by additional benefits.
Treatment for conditions arising from war, nuclear risks, or biological warfare.
Congenital diseases or disorders unless specified in the policy.
Non-medical expenses, such as administrative charges, service fees, or room rent above the limits.
OPD consultations and treatments that do not require hospitalization.
Hospitalization solely for diagnostic tests or investigations without active treatment.
Exclusions
Related Variants
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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 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.
About the Company
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