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Reviewed by Finzony Finance TeamLast updated:
Activ Care is designed specifically for senior citizens, with the focus extending beyond hospitalisation to support before and after treatment. The plan family includes benefits such as annual comprehensive health check-ups, HealthReturns of up to 21%, 586 daycare procedures, cashless treatment at home, nursing support and health coaching. Depending on the selected variant, additional benefits can include AYUSH inpatient treatment, domiciliary hospitalisation and organ donor expenses.
A senior-citizen focused health plan with HealthReturns, annual health check-up, daycare treatment, nursing at home and dedicated health coaching.
Activ Care is useful for parents and senior citizens who need a policy built around ageing-related healthcare and recovery support. Its strongest differentiators are the combination of wellness rewards, health coaching and practical post-hospitalisation services such as nursing and home-support equipment. Buyers should compare the Standard, Classic and Premier variants carefully because reload levels, Sum Insured, room eligibility and additional benefits vary between variants.
Aditya Birla Health Insurance
Key Insights
Founded
2015
Aditya Birla Health Insurance was established 11 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
95.8% CSR, calculated as a 3-year average
Aditya Birla Health Insurance settles 95.8% of all claims it receives, demonstrating strong credibility.
Network Hospitals
13,000+
Aditya Birla Health Insurance has a network of 13,000+ hospitals, ensuring wide accessibility and convenience for policyholders.
Earn up to 21% of eligible premium through the Activ Health wellness programme by maintaining healthy activity levels.
Rewards are subject to programme rules.
Receive a comprehensive health assessment every policy year at eligible network diagnostic centres.
Subject to applicable policy conditions.
Covers 586 listed daycare procedures that require less than 24 hours of hospitalisation.
Subject to policy terms.
Eligible treatment can be provided at home on a cashless basis for listed illnesses under the applicable variant.
Illnesses and limits vary by variant.
A qualified nurse can assist with recovery after hospital discharge under the optional care benefit.
Official material specifies up to ₹1,500 per day for up to 15 days per policy year.
Portable recovery equipment such as an ICU bed, wheelchair or walker can be arranged under the optional care benefit.
Subject to the applicable benefit limits.
Eligible medical equipment such as oxygen concentrators, CPAP equipment and other listed equipment can be supported under the optional benefit.
Equipment and rental limits apply.
A 30-day initial waiting period generally applies except for accidental injury. Specified diseases/procedures and pre-existing diseases are subject to the applicable waiting periods in the policy wording.
Initial Waiting Period
A 30-day initial waiting period generally applies, except for accidental injury.
Specified Diseases & Procedures
Specified diseases and procedures are subject to the applicable waiting period stated in the policy wording.
Pre-Existing Diseases
Pre-existing diseases are subject to the applicable waiting period under the policy.
Continuity Benefits
Waiting periods already served can continue to receive continuity credit on renewal subject to the policy terms and uninterrupted coverage.
Conditions or treatments that the policy clearly says it will not cover.
Activ Care is designed for senior citizens and includes health coaching aimed at helping manage chronic conditions such as asthma, hypertension, hyperlipidemia and diabetes mellitus. The plan also provides broader support around hospitalisation, recovery and eligible treatment at home.
Insurer
Aditya Birla Health Insurance plans and claim process
Activ Care is a senior-citizen focused health insurance product from Aditya Birla Health Insurance designed around hospitalisation, wellness, recovery and additional home-care support.
Activ Care is designed for senior citizens. The current eligibility starts at 55 years and the maximum entry age is 80 years.
The maximum entry age is 80 years according to the Activ Care eligibility information.
Disclaimer: Premium amounts are indicative and may vary based on age, health, and plan selected. Claim settlement ratios are from IRDAI Annual Reports. Finzony is not an insurance broker or agent. Verify all details on the official Aditya Birla Health Insurance website before purchasing.
Contact Details
1800 270 7000
Headquarters: 9th Floor, Tower 1, One World Centre, Jupiter Mills Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai – 400013, Maharashtra, India.
The aforementioned ratios have been averaged over three years (FY24-FY26)
An enhanced health assessment can be selected as an optional care benefit.
Subject to availability and applicable terms.
An optional room upgrade can improve room eligibility during hospitalisation depending on the selected variant.
Upgrade options differ by variant.
A Preferred Provider Network option can provide a premium discount where selected, subject to its applicable conditions.
A co-payment can apply outside the preferred network.
Eligible policyholders can earn HealthReturns of up to 21% of the applicable premium through the wellness programme.
Yes. A comprehensive health check-up is available every policy year at eligible network diagnostic centres.
Activ Care covers 586 listed daycare procedures that require less than 24 hours of hospitalisation.
Yes. Nursing at Home is an optional care benefit. Official product material specifies a qualified nurse for up to ₹1,500 per day for up to 15 days per policy year.
Yes. Cashless treatment at home is available for eligible listed illnesses under the applicable Activ Care variant.
Health coaching supports lifestyle management and chronic-condition care including asthma, hypertension, hyperlipidemia and diabetes mellitus.
Eligible Activ Care variants provide inpatient AYUSH treatment coverage subject to the applicable policy terms.
Organ donor expenses are included in applicable Activ Care variants subject to policy conditions and limits.
The standard initial waiting period is generally 30 days, except for accidental injury.
Yes, eligible pre-existing diseases can be covered after the applicable waiting period specified in the policy wording.
Eligible pre-hospitalisation expenses are covered for the applicable period when the related hospitalisation claim is accepted.
Eligible post-hospitalisation expenses such as medicines and diagnostics are covered for the applicable period after discharge when the related claim is accepted.
Yes. Personal health coaching is one of the key wellness benefits of Activ Care, with services varying according to the selected variant.
Portable medical equipment support is available as an optional care benefit, subject to eligible equipment and applicable limits.
A Room Upgrade is available as an optional cover on applicable Activ Care configurations, with the permitted upgrade depending on the selected variant.
Activ Care can be purchased on an individual basis or as a family floater for self and spouse, subject to the applicable product rules.
Yes. The product is specifically positioned by Aditya Birla as health insurance for parents and senior citizens, with benefits focused on hospitalisation, recovery and wellness support.