Aditya Birla Activ Care Standard Plan

Aditya Birla Active Care Standard Plan is a health insurance plan specially designed for senior citizens. The plan provides care and protection to senior citizens under all circumstances like hospitalisation, recovery, or even assistance in maintaining good health. If you are looking for a health insurance plan for your parents, Activ Care is a comprehensive health insurance plan offering 360o care for your parents including health checkups, a personal health coach, and many other benefits.

Let us explore the key features and benefits of one of the best senior citizen health insurance by Aditya Birla.

The table given below lists all the features of the policy.

• Sum Insured: 3L, 4L, 5L, 7.5L, 10L
• Entry Age: 65 to 80 years
• Inpatient hospitalisation: Covered
• Room type: Shared
• ICU expenses: Covered upto sum insured
• Pre and post-hospitalisation expenses: Covered for 30 and 60 days respectively
• Ambulance charges: Covered upto ₹ 2000 per hospitalisation
• Reload of the sum insured: Available once per year up to 50% of sum insured
• Home treatment: Covered upto ₹ 25000 for 3L and 4L sum insured and ₹ 50000 for 5L and above the sum insured.
• No claim bonus: 10% of the sum insured upto a maximum of 50% of the sum insured
• Co-payment: 20% co-pay for all inpatient hospitalisation, day care procedure, and home treatment claims
• Waiting periods: 30 days initial waiting period, 24 months for specific illnesses, 48 months for joints replacement surgery, and 2 years for pre-existing diseases

The various benefits offered by Aditya birla health insurance plan make it a popular choice among senior citizens. Given below are the details of the benefits offered by the Activ Care plan.

• Health Assessment facility offers free health checkups once a year on renewals.
• Earn Health Returns of up to 21% of your premium. When you undergo a health assessment you get a score for maintaining heart health called a healthy heart score. You get 20% health returns on completing 13 active days per month and an additional 1% is earned by talking to your health coach. These health returns can be used to pay the next premium, buy medicines, pay for medical tests, etc.
• Home Treatment can be availed on a cashless basis for chemotherapy, dengue, hepatitis, and gastroenteritis.
• Nursing at the home facility provides a qualified nurse to look after the insured for 15 days after discharge from the hospital.
• Lifestyle support and portable medical equipment such as ICU beds, walkers, wheelchairs, etc. are also made available to help in recovery.
• The plan covers 586 daycare procedures that require less than 24 hrs of hospitalisation.
• Worldwide emergency assistance is also available under the plan that covers air ambulance expenses for both international and domestic assistance.
• Second E-opinion is also available from the company’s panel of expert medical practitioners.
• Access to a personal health coach helps the insured in better lifestyle management through medical, nutritional, and wellness counselling.
• Discounts like health and wellness discounts, family discounts, and long-term discounts are offered as per the policy terms.

Aditya Birla health insurance company offers a variety of health insurance plans for everyone with some unique features. There are many reasons you should select an Aditya Birla health insurance plan for yourself and your family.

• Activ Health App: The company has designed an Activ health app, which allows you to access your policy from your smartphone. Using this app you can track your health, improve your fitness, and get rewarded with Health Returns.
• Network of Healthcare Services: In addition to a network of 6000+ hospitals in 650+ cities, the company also offers access to 800+ fitness centres like gyms, yoga centres, dance classes, and much more.
• 24*7 Customer Support: A 24*7 customer support is available to solve your queries and doubts. The company’s customer support team is also available on WhatsApp.
• Hassle-free Claim Settlement: The company has an in-house claim settlement team, that processes claims fast within 2 hours of receiving a claim notification.
• Reliable Care Managers: To help its customers in filing claims, and handle paperwork during discharge from the hospital, the company has dedicated care managers, that offer support at each and every step of the claim settlement process.

Buying an Aditya Birla health insurance plan is a simple process. You can easily buy any health insurance plan online by following the steps given below.

• Visit the company’s official website and select the health insurance tab.
• You will be redirected to the health insurance section showing certain fields to be filled.
• Provide the required details in the given fields such as your name, age, gender, occupation, etc.
• Once you provide all the information, a premium amount is calculated and displayed on your screen.
• After you pay the premium online, you will get your policy documents at your registered email id.

Aditya Birla Activ Care standard plan has been designed to satisfy all kinds of needs of an individual in old age. It offers many benefits like home treatment, restoration of the sum insured, health assessment, nursing at home, etc. The exact coverage offered by the policy depends on the plan and additional benefits chosen. It is recommended to read the policy document carefully and understand all the inclusions and exclusions before buying the policy.