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Individual Health Insurance Plans

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Aditya Birla Activ Care Premier Plan

Our chances of developing medical issues increase as we age. Moreover, paying for a high-quality procedure in a respectable hospital can drain all of your savings. To assist you in handling such a situation, particularly as you approach retirement, Aditya Birla Capital offers the Activ Care Premier plan, which is one of three options available under the Aditya Birla Activ Care Plan.

Continue reading to know more about the plan in detail!

Eligibility Criteria

Minimum Entry Age55 Years
Maximum Entry Age80 Years
Sum Insured Options5L, 7.5L, 10L, 25L

Key Attributes Of Aditya Birla Activ Care Premier Plan

The plan provides coverage for the following expenses:

Basic CoversPremier Plan
In-Patient HospitalizationCovered
Room TypeSingle Private AC Room
ICUCovered Up To Sum Insured
Pre-Hospitalization Expenses30 Days
Post-Hospitalization Expenses60 Days
Daycare Treatment586 Daycare Procedures Covered
Road Ambulance Cover

Network Providers: Covered

Hospitalization Up To Actual Expenses

Non-Network Providers: Up To Rs. 5000 Per Hospitalisation

Domiciliary HospitalisationCovered Upto Sum Insured
Organ Donor ExpensesUp To Sum Insured
Reload Of Sum Insured100% Of Sum Insured Once A Year
Home TreatmentSum Insured 5L & Above: Rs. 50000
AYUSH TreatmentUp To 25% Of SI
Domestic EmergencyAvailable
International EmergencyAvailable
OPD TreatmentAvailable Up To Rs 2500 Over & Above S.I

Benefits Offered By Aditya Birla Activ Care Premier Plan

Aditya Birla Activ Care Premier Plan offers the following benefits to the policyholder:

  • No Claim Bonus: If you don’t file a claim during the course of your policy, you’ll get 10% of the insured amount as a No Claim Bonus. 50% of the insured amount is the upper limit for the bonus.
  • Free Health Assessment: When the policyholder renews the plan, he/she gets a free health assessment once a year. This allows the policyholder to keep a track of his/her health status. 
  • Health Returns: When you stay healthy during the policy period, you can earn up to 21% of the premium as Health Returns. This will help you to save money on your premiums. 
  • Second E-Opinion: The plan also offers you to have second e-opinion from the company’s panel of world-class medical practitioners.
  • Family Discount: You will get a 5% family discount on the premium paid if you opt for an individual sum insured for 2 members in the policy.
  • Long-Term Discount: In case you choose the policy for 2 years, you will get a long-term discount of 7.5% on the premiums paid.
  • Tax Benefits: As per Section 80 D of the Income Tax Act, 1961, you can save up to Rs. 50,000 as a deduction under the policy.
  • Optional Care Benefits: The policy provides various optional care benefits to the policyholder including, lifestyle support equipment, nursing at home, portable medical equipment, and advanced health check-up.
  • Co-Payment: The plan offers a 20% co-pay for all domiciliary, in-patient hospitalization, AYUSH, and daycare treatments. 

How Much Aditya Birla Activ Care Premier Plan Will Cost?

Before you decide to zero in on Aditya Birla Activ Care Premier Plan, let’s check out its premium calculations so that you can have a fair idea of how much this plan will cost you!

Name Of The InsuredAvantika MishraDilip SinghSurabhi MishraJohny Dahiya
Age Of The Insured55 Years60 Years65 Years70 Years
Policy Type Chosen By The PolicyholderIndividualIndividualFamily FloaterFamily Floater
Sum InsuredRs. 10,00,000Rs. 5,00,000Rs. 25,00,000Rs. 7,50,000 Lakhs
Premium AmountRs. 38,632Rs. 30,207Rs. 1,19,381Rs. 1,37,423

Exclusions Under Aditya Birla Activ Care Premier Plan

The policy’s permanent exclusions are listed below; it is advised that you see the policy document for a comprehensive list. The following expenditures are not covered:

  • Optometric therapy
  • Expenses related to hearing aids, spectacles, contact lenses
  • Treatment for baldness, wigs, and alopecia
  • Cosmetic and aesthetic surgeries
  • Breach of law
  • War, revolution, uprising
  • Self-injury
  • Illness, injury, or accident due to the influence of intoxicants.

Frequently Asked Questions

Yes. The plan covers COVID-19 treatment.

Depending on your age and the chosen sum insured, the Activ Care Premier plan does require a pre-policy medical examination.

The plan has the following waiting periods:

  • Initial waiting period for COVID-19: 15 days
  • For specific illnesses: 24 months
  • Pre-existing disease waiting period: 2 years.

Yes. You can stay with Activ Care Premier in a single private room, a communal area, or in the main ward. You would be required to split costs with the insurer if your room cost more than the cap.

Your age, location (zonal), medical condition (including any pre-existing conditions), and lifestyle choices all go into the premium calculations (smoking, drinking, etc.)

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