Aditya Birla Activ Assure Classic Plan for Senior Citizen
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Aditya Birla Activ Care Classic Plan

A senior citizens' health insurance plan provides comprehensive covera ...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 · 2,701 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. Growing old comes with several health complications. Amid these challenges, the most important expectation of our elders is to receive proper treatment and services during unavoidable health issues.

To help our elders deal positively with their advancing age and health issues, buying health insurance is the best solution. Health insurance plans for senior citizens offer wide coverage options and seamless 24/7 support to maintain a healthy lifestyle. Aditya Birla Activ Care Classic Health Insurance Plan for Senior Citizens is an insurance product that provides all the coverage benefits they would require in their lifetime.

Let us now discuss the features and unique benefits that the Aditya Birla Activ Care Classic plan offers for individuals aged 55 to 80 years. Read further to know more about it.

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 degrees support to seniors
  • Cashless home treatment
  • 586 category 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.

Aditya Birla Insurance Solution

Aditya Birla Insurance Solution

Aditya Birla Health Insurance

Aditya Birla Health Insurance

Benefits of Aditya Birla Activ Care Classic plan

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

  • Cashless home treatment

    Senior citizens who are unable to visit a hospital or care center can receive medical treatment options like chemotherapy, dengue, gastroenteritis, and hepatitis from the comfort of their homes on a cashless basis.

  • Health returns benefit

    Policyholders can earn health returns through the 'stay healthy and get rewards' benefit. You can receive up to 21% of the sum insured, which can be used against the payable premium on renewal, medicines, or diagnostic tests by maintaining a healthy lifestyle.

  • Personal health coach

    This plan provides policyholders with coaching on medicinal knowledge, nutritional tracking, health and wellness counseling, and life management sessions, promoting a healthier lifestyle in old age.

  • Daycare procedures

    Daycare procedures requiring hospitalization for less than 24 hours are covered under this plan. It covers 586 types of essential daycare procedures, ensuring better care for seniors when needed.

  • Home lifestyle support

    Senior citizens can access optional portable medical equipment like ICU facilitation, beds, walkers, wheelchairs, and other support to aid recovery. The plan ensures optimal medical care within their reach.

  • Home nursing facilities

    Policyholders can opt for home nursing facilitation. A qualified nurse or expert will care for them post-hospitalization or after discharge, with an allowance of up to INR 1500 for 15 days per policy.

  • Optional room upgrade facility

    Policyholders can upgrade their room from shared beds to an AC private single room, allowing a better hospital stay during recovery.

  • Advanced health check-ups

    Advanced health check-ups, including tests like PAP smear, ENT, and Thyroid function tests, are covered under this plan, helping seniors monitor their health and anticipate potential complications.

  • Tax benefits

    All premiums paid towards 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.
  • Daycare procedures like cataract treatment, hernia, varicose veins, etc., are not covered.
  • External congenital illnesses or voluntary treatments like cosmetic/plastic surgery are excluded.
  • Investigation and evaluation purposes are not covered.
  • Obesity/weight control/liposuction treatments are excluded.
  • Baldness, alopecia, wigs, and scalp/hair treatments are not covered.
  • Hazardous/adventure sports, nuclear wars, and defensive attacks are excluded.
  • Breach of the law, alcoholism, drug, or substance abuse cases are not covered.
  • Unproven treatments, rest care, and rehabilitation are excluded.
  • Sterility and infertility, birth control, and gender change treatments are not covered.
  • 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 are excluded.
  • Treatment taken outside India is not covered.
  • Bariatric surgeries are excluded.

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 Naval Goel — Founder & CEO, PolicyX.com Reviewed by Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 5 Mar 2024 · Originally published: 16 Oct 2024

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