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Individual Health Insurance Plans

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Aditya Birla Activ Care Classic Plan

Aditya Birla Activ Care is an end-to-end health insurance plan that provides 360-degree care and protection to your family members in case of an emergency. This insurance plan provides them with all the services they require, such as nursing at home, in-depth physical examinations, and health coaching, to live happy, healthy lives in their golden years.

By receiving a personal health coach, cashless home treatment for dengue, chemotherapy, hepatitis, and gastroenteritis, as well as a long-term discount, with the aid of the plan, you can provide your family with the comfort and care they require. One can get the coverage on their own or as a family floater (covering just the policyholder and their spouse).

Read on to know more about Aditya Birla Activ Care Classic Plan’s eligibility criteria, features and benefits, inclusions, exclusions, and more.

Eligibility Criteria

Here are the eligibility criteria for Aditya Birla Activ Care Classic Plan.


Minimum age at entry: 55 Years

Maximum age at entry: 80 Years

Sum Insured (S.I.) Options3L,4L, 5L, 7.5L, 10L
Dependents EligibilitySelf, Spouse (Max. 2 Adults)
Network Hospitals6000+

Features & Benefits of Aditya Birla Activ Care Classic Plan

Let’s take a look at the salient features and benefits of the Aditya Birla Activ Care Classic plan.

  1. Comprehensive Health Check-up

One of the biggest benefits of choosing an Aditya Birla Activ Care Classic Plan is that you will get a comprehensive health assessment every policy year, at no additional cost, at any of the network diagnostic centers.

  1. Lifestyle Support at Home (Optional)

When you choose the plan, you will get portable medical equipment such as an ICU bed, wheelchair, walker, etc. to aid your recovery.

  1. Cashless Treatment at Home

If you think you have to break your bank to get cashless treatment at home, you are mistaken! With the plan, you will get an additional 10% sum insured as a bonus for each year you don’t make a claim. Also, you will be eligible to get a bonus of up to 50% for 5 claim-free years.

  1. Daycare Treatment

With the plan specifically designed for escalating medical costs, you will be stress-free with cover for 586 essential day-care treatments that require less than 24-hour hospitalization.

  1. Nursing at Home

Another biggest benefit to choosing the Aditya Birla Activ Care plan is that you will get a qualified nurse to look after your parents immediately after discharge from the hospital, up to Rs 1500 for 15 days per policy.

  1. HealthReturns of up to 21%

Another important feature of choosing the plan is that the policyholder may get back up to 21% of your annual premium as HealthReturns and use it to pay your OPD and AYUSH expenses, and next year’s premium.

  1. Family Discount

Last but not the least, you will get a 5% family discount on premium as a family discount when you opt for an individual sum insured for 2 members in a policy.

What Does the Aditya Birla Activ Care Classic Plan Cover?

Here are the things included under Aditya Birla Activ Care Classic Plan.

In-patient HospitalisationCovered
Room TypeShared Room
ICUCovered up to Sum Insured
Pre – hospitalization Medical Expenses30 Days
Post – hospitalization Medical Expenses60 Days
Day Care Treatment586 Day Care procedures Covered
Road Ambulance CoverUp to Rs. 2,000 per hospitalization
Organ Donor ExpensesUp to 50% of the Sum Insured
Domiciliary‑ HospitalisationUp to 10% of the Sum Insured
Reload of Sum Insured100% of Sum Insured 100% of Sum Insured
Home Treatment

Sum Insured 3L, 4L – Rs. 25000

Sum Insured 5L & Above- Rs. 50,000

No Claim Bonus10% of S.I. per annum, max up to 50% of SI
Domestic Emergency Assistance Services (including air ambulance)Available
International Emergency Assistance Services (including air ambulance)Available
Health AssessmentOnce a policy year
Comprehensive HealthOnce a policy year (only for Sum Insured 5L,7.5L & 10L)
Health CoachAvailable (only for Sum Not available Insured 3L & 4L)
Health and Wellness DiscountAvailable
Nursing at Home (maximum up to Rs 1500/day for 15 days per policy year)Qualified Nurse
Portable medical equipmentAvailable

Waiting Periods Under the Aditya Birla Activ Care Classic Plan

  • The Initial Waiting Period (not applicable in case of an accident and subsequent renewal) is 30 days for all the Aditya Birla Activ Care Classic Plan.
  • There will be 15 Days Initial Waiting Period in case the insured members are diagnosed with COVID-19.
  • Classic Plan & Premier Plan: If you are diagnosed with a specific illness, there will be 24 months for a specific illness.
  • Pre-existing Disease Waiting Period: 2 years for all 3 plans.

Exclusions in Aditya Birla Activ Care Classic Plan

Here is the list of the exclusions under Aditya Birla Activ Care Classic Plan.

  • Optometric therapy, contact lenses, glasses, or hearing aids.
  • Wigs, toupees, and similar treatments for alopecia and other hair loss conditions.
  • Cosmetic, aesthetic, and body-sculpting procedures.
  • Any illness, injury, or accident brought on by drug or alcohol usage.
  • Intentional self-harm and criminal law violation.
  • Armed or usurped acts; war; foreign enemy acts; uprisings; revolutions; and insurrections.

Aditya Birla Activ Care Classic Premium

Let’s take different instances to understand the Aditya Birla Activ Care Classic plan.

If you are buying it for yourself:

AgeCoverAditya Birla Activ Care (Classic)
60 YearsSelfRs. 28, 373


If you are buying it for your spouse:

Your AgeYour Spouse AgeCoverAditya Birla Activ Care (Classic)
70 Years60 YearsSpouseRs. 28, 373


If you are buying it for your father:

Your AgeYour Father AgeCoverAditya Birla Activ Care (Classic)
55 Years80 YearsSpouseRs. 85, 844

Frequently Asked Questions

The policy is available for purchase as an individual or family floater for people aged 55 to 80. Only self- and spouse-only coverage is available on a family floater basis.

When two or more members of your family are covered under a single policy, you can receive a 10% premium savings.

They do receive a health evaluation once a year when the coverage is renewed.

The company will pay a lump payment of the insured amount upon the initial diagnosis of the covered serious illness. There is no provision for a death benefit.

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