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Individual Health Insurance Plans

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Aditya Birla Activ Care Standard Plan

Aditya Birla Activ Care is a comprehensive health insurance plan that provides 360-degree care and protection for your parents. This insurance plan offers them the sufficient care they need to live happy, healthy lives in their golden years, including nursing at home, thorough health exams, and health coaching.

With the help of the plan, you can give your family the comfort and care they need by receiving a personal health coach, cashless home treatment for dengue, chemotherapy, hepatitis, and gastroenteritis, as well as a long-term discount. The policy can be acquired individually or as a family floater (covering just the policyholder and their spouse).

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

Eligibility Criteria

Here is the eligibility criteria for Aditya Birla Activ Care Standard 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 Standard

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

  1. Comprehensive Health Check-up

One of the biggest benefits of choosing an Aditya Birla Activ Care Standard 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. 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. 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. Day care Treatment

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

  1. Lifestyle Support at Home (Optional)

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

  1. Nursing at Home

Another biggest benefit to choose 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. 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 Aditya Birla Activ Care Standard Plan Cover?

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

In-patient HospitalisationCovered
Room TypeShared Room
ICUCovered up to Sum Insured
Pre – hospitalisation Medical Expenses30 Days
Post – hospitalisation Medical Expenses60 Days
Day Care Treatment586 Day Care procedures Covered
Road Ambulance CoverUp to Rs. 2,000 per hospitalization
Organ Donor ExpensesNot Available
Reload of Sum Insured50% of Sum Insured once per year
Home TreatmentSum 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
Health CoachAvailable (2 sessions per year)
Health and Wellness DiscountAvailable
Nursing at Home (maximum upto Rs 1500/day for 15 days per policy year)Qualified Nurse
Portable medical equipmentAvailable

How Can You Earn Upto 21% of Your Premium as HealthReturns?

Step 1: Get your Healthy Heart Score by completing the Health Assessment.

Step 2: Complete 13 Active Days per month and earn up to 20% HealthReturns.

Step 3: Talk to your health coach to earn an extra 1%.

Also, there are many ways to use HealthReturns like paying your next policy premium, buying medicines, paying for diagnostic tests, or keeping it as a corpus for any health contingency.

Exclusions in Aditya Birla Activ Care Standard 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 Standard Premium

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

If you are buying it for yourself:

AgeCoverAditya Birla Activ Care (Standard)
60 YearsSelfRs. 24, 202

If you are buying it for your spouse:

Your AgeYour Spouse AgeCoverAditya Birla Activ Care (Standard)
70 Years60 YearsSpouseRs. 24, 202

If you are buying it for your father:

Your AgeYour Spouse AgeCoverAditya Birla Activ Care (Standard)
55 Years80 YearsSpouseRs. 77, 939

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.

The insurance provides a health coach, grants health returns for maintaining good health, and extends cashless home healthcare according to the selected plan.

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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