Aditya Birla Activ Care Classic Plan vs Extra Care Policy Health Insurance Plan 2026 | PolicyX

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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 DETAILS

Aditya Birla Activ Care Classic Plan

Extra Care Policy

Product Type Senior Citizen Health Insurance Top Up and Super Top Up
Key Features
(Key features of the plan)
  • 360-degree support to seniors
  • Cashless home treatment
  • 586 categories of daycare procedures
  • Pre & post-hospitalization cover
  • In-house claim settlement
  • Ambulance cover
OPD Details
(In some policies, OPD (Out patient department) expenses are also covered.)
Not Covered -
Room Rent
(A limit of room rent cover during hospitalization if any)
Covered -
Domicillary Hospitalization
(It is the expenses incurred on treatment of the patient at home)
Covered -
Pre-hospitalization
(Expenses before the insured is hospitalized)
Covered -
Post-hospitalization
(Expenses after discharge from the hospital)
Covered -
Day Care Treatment Covered
(Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.)
Covered -
Hospital_network
(Number of Hospital Network in city)
12900 18400
Organ Donor Expenses
(Expenses incurred on organ donor in case of organ transplants)
Covered -
Hospital Daily Allowance
(Some plans offer daily allowance to take care of expenses like food, etc)
Not Covered -
Ambulance Charges
(Expenses incurred on ambulance charges)
Covered -
Maternity Benefits
(All Hospitalization cost covered at the time of pregnancy.)
Not Covered -
New Born Baby Covered
(Newborn babies can be covered under the insurance plan after a certain period)
Not Covered -
Health Checkup
(An added benefit of one time full health checkup of policy holder.)
Covered -
Sub Limit
(Sub-limit is a monetary capping that applies on specific diseases like cataract)
Covered -
Co-pay
(Mentioned %, if any is to be borne by Insured and rest will be borne by insurer)
Covered -
Plan Entry Age Min- 55 years, Max 80 years Child: 3 months - 25 years, Adult: 18-70 years
Plan Premium Entry Age and S/A INR 28,373 8000
Plan Waiting Period 30 days 30
Plan Coverage In-patient hospitalization, Pre & post hospitalization expenses, Daycare procedures -
Plan Sample Premium 28,373 NA
Plan Brochure Brochure URL Brochure URL
Policy Term 2 years 1, 2, 3 Years
ICU Charges Covered -
Covid-19 Treatment Covered -
Cataract Covered -
Automatic Restoration Covered -
Ayush Treatment Covered -
Modern Treatment Not Covered -
E Consultation Covered -
Air Ambulance Covered -
Global Coverage Covered -
Claim Ratio 96 99.23
Solvency Ratio 1.88 3.25
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