Growing old comes with several complications related to our health, at times. It's so natural that nobody could deny accepting the complications and severity. Amid all the contingencies of seniority, the most important thing that our elders expect is to get proper treatment and services during unavoidable health issues.
To help our elders deal positively with their ascending age and health issues, buying comprehensive health insurance is the best solution ever. Health insurance plans for senior citizens offer a wide coverage option and seamless 24/7 support to maintain a healthy lifestyle. Aditya Birla Activ Assure Classic Health Insurance Plan for Senior Citizens is an insurance product that has all the coverage benefits that they would require in their lifetime.
The major features of the Aditya Birla Activ Care Classic plan include cashless treatment at home, a personal health coach, health and wellness assistance, home lifestyle support benefits, advanced health check-ups and home nursing. Another innovative USP of this plan is that it covers 586 types of daycare procedures and COVID-19 treatment procedures with a waiting period of only 15 days. Apart from that, this plan also offers you the best treatment options in the comfort of your home.
Let us now discuss the features and unique benefits that the Aditya Birla Activ Assure Classic plan has to offer you from the age of 55 to 80 years. Read further to know more about it.
Eligibility criteria for Aditya Birla Activ Care Classic Plan
This plan has the following eligibility criteria which you should know before investing in the policy:
Entry Age
Minimum- 55 Years
Entry Age Max.
Maximum- 80 Years
Policy Tenure
Up to 2 Years
Plan Type
Individual and Family Floater (only two members, including the policyholder and their spouse)
Sum Insured
INR 3-10 Lakhs
Initial Waiting Period*
Minimum 30 Days (in general) & 15 Days (for COVID-19 patients)
*The Initial Waiting Period is the 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.
To know more about the plan, read the policy brochure provided below:
Benefits of Aditya Birla Activ Assure Classic plan
This plan has numerous coverage benefits that a senior citizen or an individual who is at the age of 55 to 80 years needs with growing age. The major benefits of this plan are:
Cashless home treatment
Senior citizens who are incapable of going out to a hospital or care centre are allowed to receive medical treatment options like chemotherapy, dengue, gastroenteritis, and hepatitis from the comfort of their homes. This treatment can be taken on a cashless facilitation basis.
Health returns benefit
The policyholder can additionally get health returns thanks to the 'stay healthy and get rewards' benefit. You can get up to 21% of the sum insured which you can use against the payable premium on renewal, medicines, or diagnostic tests, by living a healthy lifestyle.
Personal health coach
This plan provides its policyholders with coaching on medicinal knowledge, nutritional tracking, health and wellness counselling and life management sessions. This will not only lead you towards a better lifestyle but also help you live healthily in old age.
Daycare procedures
Daycare procedures that require hospitalisation for not more than 24 hours are covered under this plan. And the best part? It covers 586 types of essential daycare procedures which helps the seniors around us get better care whenever needed.
Home lifestyle support
Senior citizens can get optional portable medical pieces of equipment like ICU facilitation, beds, walkers, wheelchairs, and other kinds of miscellaneous support that could help them recover soon. The plan is designed to make sure they get optimum medical care within their reach.
Home nursing facilitie
The policyholder can get an optional nursing facilitation at their homes. They are allotted a qualified nurse or an expert who will look after them post-hospitalisation or after discharge. The amount for home nursing allowance goes up to INR 1500 for 15 days per policy.
Optional room upgrade facility
The policyholder can optionally upgrade their room from sharing beds to the AC private single room. This facility of the plan allows them a better hospital stay while they are recovering from a disease/medical complication.
Advance health check-ups
The kind of advanced health check-ups including test series such as PAP smear, ENT, Thyroid function tests, and so on, are covered under this plan. This coverage benefit allows the senior citizens to keep track of what's going on inside their bodies, helping them a prior notification for upcoming health complications with age.
Tax benefits
All the premiums paid towards the Aditya Birla Activ Assure Classic plan are eligible for tax benefits under Section 80D of the Income Tax Act of 1961.
Choose your Activ Assure Classic Health Insurance Plan for Senior Citizens
Aditya Birla Activ Assure health insurance plan for senior citizens has three plan variants with SI options- Standard, Classic, and Premier. One of the plan variants is Classic which we'll discuss in this section. Here are the specifications that this plan has to offer you:-
In-patient & Out-patient Coverage
Room Rent
Covered
ICU Charges
Covered up to SI
Pre-Hospitalization
Covered (30 days prior)
Post-Hospitalization
Covered (up to 60 days afterwards)
Domiciliary Hospitalization
Covered up to 10%
Daycare Treatment
Covered (586 Procedures)
OPD Charges
Not Covered
Coverage Terms
COVID-19 Treatment
Covered
Cataract
Not Covered
No Claim Bonus
10% of SI annually (up to 50% of the SI Maximum)
Automatic Restoration
100% of the Sum Insured per year (once per year)
Daily Hospital Cash
Not Applicable
Organ Donor
Covered up to 50% SI
Maternity Cover
Not Covered
New Born Baby Cover
Not Covered
Alternative Treatments
AYUSH Treatment
Covered up to 10% of SI
IVF Treatment
Not Covered
Modern Treatment
Not Covered
Emergency Coverage
Ambulance
Covered up to INR 2000 per hospitalisation
Air Ambulance
Available
Compassionate Travel
Not Applicable
Global Coverage
Available
Wellness Programmes
E-Consultation
Applicable
Health Check-Up
Available (for 5-10 Lakhs SI
Second Medical Opinion
Available
Vaccination
Not Covered
Limitations
Co-payment
Applicable (20% on all claims of treatment)
Sub-limits
Applicable
What is Room Rent?
Under the Aditya Birla Activ Assure Classic plan, the room rent is covered.
Common Room categories covered under room rent are:
Private Single AC Room
Twin Sharing
General Ward
Coverage status under Aditya Birla Activ Assure Classic plan
Under the Aditya Birla Activ Assure Classic plan, the room rent is covered.
What are ICU Charges?
It is a special department in the hospitals where patients with serious medical conditions are treated.
Coverage status under Aditya Birla Activ Assure Classic plan
Under the Aditya Birla Activ Assure Classic plan, ICU charges are covered up to SI.
What is Pre Hospitalization?
Medical expenses incurred before the hospitalisation of the policyholder.
Coverage status under Aditya Birla Activ Assure Classic plan
Aditya Birla Activ Assure Classic plan covers medical expenses incurred during pre-hospitalisation for 30 days before hospitalisation.
What is Post Hospitalization?
Medical expenses incurred after the discharge of the policyholder from the hospital.
Coverage status under Aditya Birla Activ Assure Classic plan
Aditya Birla Activ Assure Classic plan covers medical expenses incurred during post-hospitalisation for up to 60 days for the classic plan.
What is Domiciliary Hospitalization?
Home hospitalisation arrangements for the insured person due to the unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hours to get financial coverage.
Coverage status under Aditya Birla Activ Assure Classic plan
Under the Aditya Birla Activ Assure Classic plan, domiciliary hospitalisation is covered up to 10%.
What is Daycare Treatment?
Treatments that can be treated in less than 24 hours of hospitalisation like blood dialysis, cataracts, etc.
Coverage status under Aditya Birla Activ Assure Classic plan
Under the Aditya Birla Activ Assure Classic plan, all day care treatments are covered which does not need overnight hospitalisation. Over 586 kinds of daycare procedures are covered under this plan.
What are OPD charges?
Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalisation.
Coverage status under Aditya Birla Activ Assure Classic plan
Aditya Birla Activ Assure Classic plan does not cover OPD expenses
What is COVID-19 Treatment?
COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from govt. approved centre.
Coverage status under Aditya Birla Activ Assure Classic plan
Aditya Birla Activ Assure Classic plan covers COVID-19 treatment with only a waiting period of 15 days.
What is Cataract Treatment?
A common eye condition in which your vision gets blurred.
Coverage status under Aditya Birla Activ Assure Classic plan
Aditya Birla Activ Assure Classic plan does not cover cataract treatment expenses
What is a No-Claim Bonus?
For every claim-free year, insurance companies reward Planholders with an increase in the Sum Insured amount as a no-claim bonus on Plan renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.
Coverage status under Aditya Birla Activ Assure Classic plan
A cumulative bonus is available under the Aditya Birla Activ Assure Classic plan wherein the Sum Insured is increased by 10% of SI annually (up to 50% of the SI Maximum) in respect of each claim-free Policy Year.
What is Automatic Restoration?
Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.
Coverage status under Aditya Birla Activ Assure Classic plan
100% of Sum Insured per year (once per year)
What is Daily Hospital Cash?
It is a cash amount that you receive each day during the time of hospitalization.
Coverage status under Aditya Birla Activ Assure Classic plan
The daily hospital cash is not available under the Aditya Birla Activ Assure Classic plan
What is an Organ Donor Cover?
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.
Coverage status under Aditya Birla Activ Assure Classic plan
Under the Aditya Birla Activ Assure Classic plan, organ donor expenses are covered by up to 50% SI.
What is a Maternity Cover?
It refers to the cover that includes expenses for normal and c-section procedure deliveries.
Coverage status under Aditya Birla Activ Assure Classic plan
Maternity expense coverage is not available under the Aditya Birla Activ Assure Classic plan.
What is a New Born Baby Cover?
It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:
Congenital anomaly (conditions since birth)
Acute condition
Chronic condition
Premature delivery
Birth asphyxia
Day care treatment
Coverage status under Aditya Birla Activ Assure Classic plan
New Born Baby Cover is not available under the Aditya Birla Activ Assure Classic plan.
What is AYUSH Treatment?
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
Coverage status under Aditya Birla Activ Assure Classic plan
Covered up to 10% SI under Aditya Birla Activ Assure Classic plan up to SI.
What is IVF Treatment?
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:
Full infertility
No fertility
Infertility diagnosis
Infertility diagnosis and limited fertility treatment
Medication (which may or may not include fertility drug prescriptions)
Coverage status under Aditya Birla Activ Assure Classic plan
Not available under the Aditya Birla Activ Assure Classic plan.
What is a Modern Treatment?
Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.
Coverage status under Aditya Birla Activ Assure Classic plan
Under Aditya Birla Activ Assure Classic plan modern treatments are not covered.
What is an Ambulance Cover?
An ambulance is used to move the patient from home to the hospital, transfer to another hospital, and take them for different tests outside the hospital.
Coverage status under Aditya Birla Activ Assure Classic plan
Covered up to INR 2000 per hospitalisation.
What is an Air Ambulance?
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Coverage status under Aditya Birla Activ Assure Classic plan
Air ambulance coverage is available under the Aditya Birla Activ Assure Classic plan.
What is Compassionate Travel?
Refers to the traveling expenses of a family member of the insured person in case the Planholder gets admitted to a hospital outside his/her residential city.
Coverage status under Aditya Birla Activ Assure Classic plan
Under Aditya Birla Activ Assure Classic plan compassionate travel is not available
What is Global Coverage?
Any kind of medical/health emergency when you are outside of India.
Coverage status under Aditya Birla Activ Assure Classic plan
Under Aditya Birla Activ Assure Classic plan global treatment is available
What is E-Consultation?
If a Plan offers E-consultation it allows Planholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
Coverage status under Aditya Birla Activ Assure Classic plan
Available.
What is a Health Checkup?
A facility where the Planholder can avail of free health check-ups after fulfilling the company's policies.
Coverage status under Aditya Birla Activ Assure Classic plan
Available (for 5-10 Lakhs of SI).
What is a Second Medical Opinion?
If the Planholder wants, they may opt for a second medical opinion wherein the Planholder can consult another doctor within the company's network of medical practitioners.
Coverage status under Aditya Birla Activ Assure Classic plan
Available.
What is Vaccination cover?
Coverage against the expenses incurred on vaccinations is provided by the insurance companies.
Coverage status under Aditya Birla Activ Assure Classic plan
Not covered
What is Co-payment?
In the co-payment clause, Planholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.
Status under Aditya Birla Activ Assure Classic plan
Applicable. 20% co-payment is available on every claim related to domiciliary treatment, in-patient hospitalisation, daycare procedures, home care treatment, AYUSH procedures, etc.
What is the Sub limit?
Sub-limits are the specific limits set in an insurance policy for its various features. For example, there are usually sub-limits set on room rent, OPD, doctor's fees, ambulance charges, family visits, etc. Small amounts of the total sum insured are allotted to different features that the policy comes with and exceeding these amounts leads to out-of-pocket expenses from the policyholder.
Status under Aditya Birla Activ Assure Classic plan?
Applicable
Aditya Birla Health Insurance Network Hospital List
Breach of the law, alcoholism, drug, or substance abuse cases, etc
Unproven treatments, rest care, rehabilitation, etc
Sterility and infertility, birth control, gender change treatments, etc
Maternity expenses like childbirth (complicated deliveries and caesarean sections, except ectopic pregnancy), miscarriage (except an accident) and lawful medical termination of pregnancy during the policy period
Treatment taken outside India.
Bariatric surgeries
How to claim the Aditya Birla Activ Care Classic plan?
To avail of claim settlement benefit, the insured policyholder must follow the below-mentioned process:-
Visit the official website of Aditya Birla Health Insurance
Click on the 'Claim' button on the header of the official website and go to the raise a claim process > Cashless claim > Raise a claim
For claim intimation, the official website has a pre-authorized form that you can fill in with your contact number/policy number/email and proceed
Individuals can call the toll-free number 1800 270 7000 or email their details to care.healthinsurance@adityabirlacapital.com and get their claim settlement procedure info.
Reach out to PolicyX.com for further assistance.
Wrapping it up
Senior citizens are prone to multiple health complications with age. And we can't unlearn the fact that they need extra care and health assistance. Aditya Birla Activ Care Classic health plan for senior citizens provides countless benefits that help them live a healthy life in their later years. After all, it's all about getting them a feeling of being taken care of. So, what are you waiting for? Buy your parents and grandparents a senior citizen health insurance with Aditya Birla. From home care treatment to home nursing, from advanced health check-ups to any-time health tracking personal coach. It is all covered inside a plan for them.
You can easily buy this plan from the leading health insurance policy aggregator - PolicyX.com.
Want to know more? Contact our expert customer care executives on 18003450330 or visit the official website of PolicyX.com.
Activ Assure Diamond is a complete health insurance plan that offers new-age health features at an affordable cost, and covers more than 500 daycare treatments.
The plan is designed to provide financial protection against critical illnesses, & offers compensation against the loss of income arising out of critical illnesses.
Unique Benefits
Lump Sum payout on detection
150% sum assured
Short survival period
Activ Secure Critical Illness Plan (Pros)
Cover up to 64 CI
3 Plan Variants
High SI
Short Survival Period
Active Health App
Activ Secure Critical Illness Plan (Cons)
Illness due to intoxicants
Obesity Treatment Unavailable
Hazardous Activity not covered
HIV/AIDS not covered
Cosmetic Surgery unavailable
Activ Secure Critical Illness Plan (Other Benefits)
Wellness Coach
Second Medical Opinion
Cancer Cover
Kidney Failure Cover
Brain Tumor Cover
Activ Secure Critical Illness Plan (Eligibility Criteria)
Entry Age - 5 Years
Max Entry Age - 65 Years
SI - 1 L to 1 Cr
Waiting Period - 30 Days
Aditya Birla Activ Care Classic Plan : FAQ's
1. What is the sum insured for Aditya Birla Activ Assure Classic health plan?
The plan for Activ Assure Classic has a sum insured option from 3 Lakhs to 10 Lakhs.
2. Is there any copayment option under this plan?
20% copayment is available on every claim related to domiciliary treatment, in-patient hospitalisation, daycare procedures, home care treatment, AYUSH procedures, etc.
3. Is there any plan variant under Aditya Birla Activ Care Policy?
Yes, the plan variants under Aditya Birla Activ Care policy are - Standard, Classic, and Premier.
4. Can my parents buy Activ Assure Classic Plan after 60 years?
Yes, an individual or senior citizens who are between the ages of 55 to 88 years can buy this plan.
5. How many members can the Aditya Birla Activ Assure Classic plan cover?
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.
Read what customers have to say Aditya Birla health insurance.
Prakash Kaur
Hyderabad
April 8, 2024
PolicyX helped me with all my queries regarding the Aditya Birla Active Essential Plan and helped me with the buying process. I am so grateful.
Radhika Aneja
Coimbatore
April 8, 2024
With the help of PolicyX, I got my health insurance policy from Aditya Birla Health Insurance. They answered all my queries without any hesitation and helped with every process.
Raghav Mohan
Vijayawada
April 8, 2024
My mom needed a minor surgery recently. Thankfully, it was covered under our Aditya Birla Health Plan. PolicyX took care of cashless settlement and made our hard time easy.
Soumya Singla
Belgaum
April 8, 2024
Thank you PolicyX for helping me claim Aditya Birla Health Insurance. It even covered for the ambulance transportation.
Avatar Singh
Gurgaon
April 8, 2024
I was suffering from liver damage, due to which I needed a transplant. Fortunately, my Active Health Platinum Enhanced plan covered all the costs. And PolicyX helped me to settle all the claims...
Devika Avatar
Jalandhar
April 8, 2024
I want to purchase a health insurance plan that will cover my wife and kids. I am so grateful to PolicyX who helped me choose Aditya Birla Active One VIP.
Mahi Prakash
Jamshedpur
April 8, 2024
PolicyX helped me get a perfect health insurance plan for my parents. I am so satisfied and relaxed now to get the Aditya Birla Activ Assure Diamond.
Sahil
Indore
April 8, 2024
Buying an Aditya Birla Health Insurance policy was a difficult task for me. I had a lot of questions and PolicyX answered all the doubts. I am so grateful to them.
Simran has an experience of 3 years in insurance content writing. She transitioned from hospitality to the insurance industry after her emerging interest in how vast insurance is. With her ability to write complex insurance concepts in a simple, relatable manner she keeps her audience hooked and solves their doubts smoothly.
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