Activ Care Standard Health Insurance Plan

Activ Care Standard Health Insurance Plan


Aditya Birla Capital Limited (ABCL) is the holding company for all the financial service businesses of the Aditya Birla Group. With a strong presence across the life insurance, asset management, private equity, corporate lending, structured finance, general insurance broking, wealth management, equity, currency and commodity broking, online personal finance management, housing finance, pension fund management and health insurance business, ABCL is committed to serve the end-to-end financial services needs of its retail and corporate customers. Aditya Birla Capital Limited is a part of the Aditya Birla Group, a USD 40 billion Indian multinational in the league of Fortune 500. Anchored by an extraordinary force of over 120,000 employees, belonging to 42 nationalities, the Aditya Birla Group operates in 36 countries across the globe. About 50 per cent of its revenues flow from its overseas operations.

Highlights For

Activ Care


Health Assessment


No Claim Bonus

Second E-Opinion

Home Treatment

Worldwide Emergency Assistance

586 Day Care Procedures

Nursing At Home

Post Hospitalisation Medical Expenses

Lifestyle Support & Portable Medical Equipment

product highlights for Activ Care Standard



Pre-Hospitalisation : 30 days

The amount of expenses incurred during this period prior to hospitalisation such as diagnostic tests, doctor fees, medicines, etc. for investigiation purpose are also payable by the insurer

Post Hospitalisation : 60 days

The amount of expenses incurred during this period after discharge from hospitalisation for the purpose of recovery such as follow-up tests, doctor fees, medicines, etc. are also payable by the insurer

Pre existing Disease cover : Treatments for Pre-existing diseases are covered after 24 months of continuous renewal.

Coverage for all Pre-Existing Diseases covered after a certain specified waiting period with continuous renewal.

Waiting Period- Initial : 30 days

No claims are accepted within this period except due to accidents/ injury.

Waiting Period- Specific : 24 months for specific illness

Listed specific illness

Waiting Period- PED : 24 months

No pre-existing ailment related claims are accepted within this period.

Room Rent : Shared Room Covered up to Sum Insured

Room rent for in-patient hospitalisation

ICU Charges : Covered up to Sum Insured

Charges for ICU hospitalisation

Co pay : 20% co pay for all Inpatient Hospitalisation, Domicilia_x001f_, Ayush, Home Treatment and Day care claims.

% of the claim that the policyholder needs to pay out-of-pocket

Restore Benefit/ Recharge/ Refill : 50% of Sum Insured once per year

If the sum insured is exhausted due to hospitalisation expenses of one or more members, there is an automatic restoration of the sum insured for related or unrelated ailments.

Health Check up : Once a policy year

Free annual health check-up for all insured members according to the list of tests specfied in the policy document.

No Claim Bonus : 10% of S.I. per annum, max up to 50% of S.I.

% of the sum insured that rises every claim free year.

Video/telephone consultation : Available

E-consultation with expert doctors empanelled with the insurer for a second opinion.

Domiciliary hospitalization : Not Available

Home care treatment where there are no beds in the hospital or paitient is not in a condition to be moved to the hospital, This treatment is provided under the supervision of a registered medical practitioner.

Ambulance : Up to 2000 per hospitalisation

Transportation of the patient to the hospital and back home

Convalescence benefit : Not Available

A specific fixed amount of money paid as a recovery benefit for extended hospitalisation.

Organ Donor : Not Available

The costs for a surgical procedure of removal or damaged organ from the patient's body which could otherwise be fatal.

Bariatric cover : Not Available

Expenses related to obesity-related conditions such as high BP, sleep apnea, arthiritis asthma, etc.

Daycare : 586 Day Care procedures covered

Covers in-patient hospitalisation expenses where the stay is <24 hours under a specified list of treatments

AYUSH : Not Available

Alternative treatment coverage such as ayurvedic, unani, sidha and homeopathy which leads to hospitalisation.

Congenital Coverage : Not Available

Covers medical expenses related to diagnosis and treatment of heriditary and internal congenital ailments/ conditions/ traits that exist from birth.

Modern Treatments : Not Available

All advanced treatment with upgrade in technology.

Health Management/ Wellness : Available

Benefits provided for staying fit and managing health

Maternity Benefit : Not Available

All expenses related to childbirth or legal medical termination of pregnancy, usually upto a specified limit.