Aditya Birla Activ Care Classic Plan for Senior Citizens
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Aditya Birla Activ Care Classic Plan

Senior citizen health insurance plans provide complete coverage to peo ...Read More

Up to 1 Cr
Sum insured
1
No. of plans
4800+
Pan India presence
96%
Claim settlement ratio
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🛡️ IRDAI Approved
⭐ 4.4/5 · 2,711 reviews
🏥 12,900+ hospitals
📊 1.88 solvency ratio
✅ 96% claim settlement

About Aditya Birla Activ Care Classic Plan

A quick read on what this Aditya Birla Health Insurance plan covers and why it might be a fit for you.

Aditya Birla Activ Care Classic is designed for senior citizens who need both medical coverage and day-to-day healthcare support. It covers hospitalization, pre and post-treatment expenses, and a wide range of daycare procedures. A key advantage is the option for cashless treatment at home, which helps avoid frequent hospital visits. The plan also includes services like home nursing, regular health check-ups, and access to a health coach to manage ongoing conditions. With added benefits like COVID-19 coverage and home-based care support, it is suitable for seniors looking for convenience, comfort, and consistent medical assistance.

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
Min- 55 years, Max 80 years
Plan type
Senior Citizen Health Insurance
Sum insured options
₹3 L, ₹5 L, ₹10 L, ₹25 L
Waiting period
30 days
Renewability
Lifelong
Policy term
2 years

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • 360-degree support to seniors
  • Cashless home treatment
  • 586 categories of daycare procedures

Cons

  • Does not cover modern treatments
  • Vaccinations not covered
  • Compassionate travel not covered

What's covered

Every CMS-driven coverage flag from the plan wording — only items with a published value render below.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Covered
  • Day-care treatment Covered
  • OPD charges Not covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Covered
  • Daily hospital cash Not covered

Family & special care

  • Maternity cover Not covered
  • New-born baby cover Not covered
  • IVF treatment Not covered
  • AYUSH treatment Covered
  • Organ donor expenses Covered

Modern & preventive care

  • Modern treatment Not covered
  • Road ambulance Covered
  • Air ambulance Covered
  • E-consultation Covered
  • Health check-up Covered
  • Second medical opinion Covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Covered
  • Sub-limits Covered
  • Compassionate travel Not covered
  • Global coverage Covered

Video reviews

Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.

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Benefits of Aditya Birla Activ Care Classic Plan

This plan offers numerous coverage benefits for senior citizens aged 55 to 80 years. The major benefits of this plan are:

  • Cashless Home Treatment

    Senior citizens unable to visit a hospital can receive cashless medical treatment at home for conditions like chemotherapy, dengue, gastroenteritis, and hepatitis.

  • Health Returns Benefit

    Policyholders can earn 'Health Returns' of up to 21% of the sum insured by maintaining a healthy lifestyle. These returns can be used for premium renewal, medicines, or diagnostic tests.

  • Personal Health Coach

    The plan offers policyholders access to a personal health coach for medicinal knowledge, nutritional tracking, health and wellness counseling, and life management sessions, promoting a healthier lifestyle in old age.

  • Daycare Procedures

    Daycare procedures requiring less than 24 hours of hospitalization are covered. The plan specifically covers 586 types of essential daycare procedures.

  • Home Lifestyle Support

    Optional home lifestyle support includes portable medical equipment such as ICU facilities, beds, walkers, and wheelchairs, ensuring optimal medical care at home.

  • Home Nursing Facilities

    Optional home nursing facilities provide a qualified nurse or expert for post-hospitalization or post-discharge care. A home nursing allowance of up to INR 1500 for 15 days per policy is provided.

  • Optional Room Upgrade Facility

    Policyholders have the option to upgrade their hospital room from shared to a private AC single room, enhancing comfort during recovery.

  • Advance Health Check-ups

    Advanced health check-ups, including tests like PAP smear, ENT, and Thyroid function tests, are covered. This helps senior citizens monitor their health and receive early notification of potential complications.

  • Tax Benefits

    Premiums paid for the Aditya Birla Activ Care Classic plan are eligible for tax benefits under Section 80D of the Income Tax Act of 1961.

Aditya Birla Health Insurance Network Hospital List

Aditya Birla Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Aditya Birla Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Delhi Mumbai Bengaluru Chennai Kolkata Hyderabad Pune Ahmedabad Jaipur Lucknow

Know More About Network Hospitals →

Inclusions & exclusions

What the plan pays for, and what it doesn't.

Exclusions

  • Pre-existing conditions and specific illnesses are covered only after a 24-month waiting period from the policy commencement date.
  • Certain daycare procedures like cataract treatment, hernia, and varicose veins are not covered.
  • External congenital illnesses or voluntary treatments such as cosmetic/plastic surgery.
  • Treatments solely for investigation and evaluation purposes.
  • Obesity, weight control, or liposuction treatments.
  • Baldness, alopecia, wigs, and treatments related to scalp/hair.
  • Hazardous/adventure sports, nuclear wars, or defensive attacks.
  • Breach of law, alcoholism, drug, or substance abuse.
  • Unproven treatments, rest care, or rehabilitation.
  • Sterility and infertility, birth control, or gender change treatments.
  • Maternity expenses, including childbirth (complicated deliveries and caesarean sections, except ectopic pregnancy), miscarriage (except due to an accident), and lawful medical termination of pregnancy during the policy period.
  • Treatment taken outside India.
  • Bariatric surgeries.

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Min-: 55 years
  • Max-: 80

Other features & benefits

  • Tax benefits
  • Advanced health check-up
  • Optional room upgrade facility

Aditya Birla Activ Care Classic Plan: FAQs

The 5 most-asked questions about Aditya Birla Activ Care Classic Plan, answered.

The plan for Activ Assure Classic has a sum insured option from 3 Lakhs to 10 Lakhs.
20% copayment is available on every claim related to domiciliary treatment, in-patient hospitalisation, daycare procedures, home care treatment, AYUSH procedures, etc.
Yes, the plan variants under Aditya Birla Activ Care policy are - Standard, Classic, and Premier.
Yes, an individual or senior citizens who are between the ages of 55 to 88 years can buy this plan.
Aditya Birla Activ Care Classic insurance plan for senior citizens is designed for senior couples (only 2 members allowed). You can add up your spouse under the family floater basis of the plan.

Conclusion

A senior citizen-focused plan offering essential coverage with added home care and wellness benefits

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Simran Nirala — Health & Term Insurance Reviewed by Anchita Bhattacharyya — Health, Term & Life Insurance
Last updated: 5 Mar 2024 · Originally published: 16 Oct 2024

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