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Aditya Birla Health Insurance Aditya Birla Health Insurance ★ 4.4

Aditya Birla Active Care Standard Plan

The Aditya Birla Active Care Standard Plan offers comprehensive health ...Read More

Up to 1 Cr
Sum insured
4800+
Pan India presence
96%
Claim settlement ratio
📄 Download brochure
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,714 reviews
🏥 12,900+ hospitals
📊 1.88 solvency ratio
✅ 96% claim settlement
Written by Naval Goel
Reviewed by Manoj Kumar
Published: 31 Jan 2025
Updated: 17 Aug 2026
Expert Verified
IRDAI Licensed

Overview

The Aditya Birla Active Care Standard Plan is designed for senior citizens who need strong and regular medical support. It covers hospitalization expenses, including COVID-19 treatment, and also allows cashless treatment at home when hospitalization is not required. The plan includes 586 daycare procedures and offers a personal health coach to guide policyholders on managing their health better.

It also provides added value through benefits like health returns, premium discounts, and tax benefits. Optional covers such as room upgrade can be added for better comfort during treatment. Overall, this plan supports seniors at every stage, from staying healthy to treatment and recovery, making it a practical choice for parents who need consistent healthcare support.

Exclusions

General Exclusions

  • Hearing aids, spectacles, contact lenses
  • Cosmetic, reshaping treatments, and beauty surgeries
  • Any illness, injury, or accident due to abuse of intoxicants
  • Breach of law or intentional self-injury
  • Suicidal act or suicide
  • War, an act of a foreign enemy, insurrection, etc.
  • Spas or nature cure clinic costs
  • Diagnostic tests or unrelated consumables
  • Baldness treatment or any similar application like alopecia, wigs, or toupees

Waiting Periods

  • COVID-19 diagnosis: 15 days
  • Specific illnesses: 24 months
  • Joint replacement surgery: 48 months
  • Pre-existing diseases (PEDs): 2 years

Plan at a glance

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

Entry age
55 years
Plan type
Senior Citizen Health Insurance
Sum insured options
₹3 L, ₹5 L, ₹7 L, ₹8 L, ₹10 L
Waiting period
30 days
Renewability
Every Year
Policy term
1, 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

  • In-patient hospitalization
  • Daycare treatment
  • Domiciliary hospitalization
  • Sum insured restoration
  • Organ donor expense coverage

Cons

  • Sports injury not covered
  • Cosmetic treatment unavailable
  • Baldness not covered
  • Higher co-payment

What's covered

A quick look at what this plan covers — and what it doesn't.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Not 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 Not covered
  • Organ donor expenses Not covered

Modern & preventive care

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

Conditions & global

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

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 →

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Entry age: 55: 80 years
  • Sum Insured: INR 3: 10 Lakhs
  • Waiting Period: 30 days
  • Number of insured (floater): self & spouse

Frequently Asked Questions

The 5 most-asked questions about Aditya Birla Active Care Standard Plan, answered.

A senior citizen who is between the ages of 55 to 80 years can buy the Active Care Standard insurance.
This plan focuses on the overall healthcare benefit of the seniors in your family. The major highlights are the 586 daycare procedures, home care treatment and lifestyle support, personal health coaching, etc.
It only provides emergency medical assistance and air ambulance for international medical care requirements.
You can choose your health policy with a range from 3L, 4L, 5L, 7.5L, and 10L.
You can claim your Active Care - Standard policy from the official website of the insurer. Or reach out to us at PolicyX.com if need any further assistance.

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