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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.
| PLAN DETAILS |
Activ Care Standard Paln |
Health Pulse Plan |
| Product Type | Senior Citizen Health Insurance | Individual and Family Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not Covered | Not Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Not Covered | Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
12900 | 10000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Not covered | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Not covered | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not covered | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not covered | Not Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Not covered | Not Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Covered | Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Covered | Not Covered |
| Plan Entry Age | 55 years | 18 to 65 Years |
| Plan Premium Entry Age and S/A | 24,202 | 8339 |
| Plan Waiting Period | 30 | 30 |
| Plan Coverage | COVID-19 hospitalization cover, Cashless home treatment, 586 daycare procedures | Hospitalisation Medical Expenses, Pre Post Treatment, Day Care Procedures, Ambulance Transportation Cover, Room Rent Coverage, ICU Charges Included, Sum Insured Refill, Critical Illness Cover |
| Plan Sample Premium | 24,202 | 8339 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1, 2 years | upto 3 years |
| ICU Charges | Covered | Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Covered | Covered |
| Automatic Restoration | Covered | Covered |
| Ayush Treatment | Not Covered | Covered |
| Modern Treatment | Not Covered | Covered |
| E Consultation | Not covered | Covered |
| Air Ambulance | Covered | Not Covered |
| Global Coverage | Covered | Not Covered |
| Claim Ratio | 96 | 94.4 |
| Solvency Ratio | 1.88 | 3.03 |
|
Niva Bupa Health Insurance Plan Detailed Review |
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