Aditya Birla
Activ Care Standard
Aditya Birla’s Activ Care Standard is a health insurance policy tailored for senior citizens, offering sum insured options from ₹3 lakhs to ₹10 lakhs. Key features include a 50% reload of the sum insured for unrelated claims, coverage for 586 daycare procedures, and cashless home treatment (Up to ₹25,000 for 3L & 4L S.I.; Up to ₹50,000 for 5L S.I. and above) for illnesses like dengue and chemotherapy. It also provides a second e-opinion for major illnesses, HealthReturns™ rewards for active lifestyles, and health coaching sessions (2 sessions per year) for chronic conditions. The plan emphasizes affordable yet comprehensive care for elderly individuals.
What's good here?
Short waiting period for Pre Existing Diseases
If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems after just 2 years. It’s probably the best deal you can get to be honest.
If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems after just 2 years. It’s probably the best deal you can get to be honest.
Day Care treatments covered
If you’re hospitalized for less than 24 hours in lieu of a minor procedure, then the insurer will cover these costs too. Think dialysis, chemotherapy or minor surgeries.
Covers Alternative Medicine
Think of getting Ayurvedic, Homeopathic or other alternative treatments to cure an illness? Your insurer will cover you fully, up to the sum insured.
What's bad here?
You will have to pay a portion of the bill
The policy will only cover 80% of the final bill. The rest is on you. They call this a co-payment.
The policy will only cover 80% of the final bill. The rest is on you. They call this a co-payment.
Your insurer won’t pay the full bill for certain diseases
Your insurer won’t bear the full costs if you are treated for Heart diseases, Cancer, cataract, breakage of bones and a few other complications. In fact, you will have to bear 20% of the cost in the event you are hospitalized for these illnesses.
Doctor consultations are not covered
TODO
Maternity benefits not offered
TODO
What's okay here?
You can only pick a shared room
Tough luck if you are thinking about opting for a single private room. Because the policy only lets you stay in a shared room. If you still want to pick a better room, then be ready to pay a lot more when the final bill shows up.
Tough luck if you are thinking about opting for a single private room. Because the policy only lets you stay in a shared room. If you still want to pick a better room, then be ready to pay a lot more when the final bill shows up.
Pre & Post hospitalization expenses covered up to a certain limit
No worries if the doctor had to run a host of diagnostic tests before or after hospitalizing you. The insurer has your back. They will cover this amount upto 5% of sum insured for about 30 days before you are hospitalized and 60 days after discharge. This includes the cost of medication by the way.
Special Bonus for being healthy and not claiming insurance
Your sum insured increases by 10% each year, so long as you make no claims during this period. But before you get too ahead of yourself, do note that they’ll stop offering you the bonus when your sum insured increases by 50%. Also, the bonus amount will reduce at same rate each time you make a claim. But hey, it's still a bonus.
Some Restoration Benefit
Even after you claim part of the cover on one occasion, you will have 50% of the cover restored, if you are hospitalized one more time in a bid to treat a different complication. In the same year, by the way.
Full coverage even if you are forced to hospitalize at home
The insurer will bear the costs even if you are hospitalized at home due to a condition or the hospital running out of beds. In insurance lingo, they call this a policy with domiciliary cover.
What's lacking here?
Your insurer doesn’t provide free health check-ups
If you want to get a full-body checkup just to make sure you’re in fine working condition, be ready to pay for it yourself.
If you want to get a full-body checkup just to make sure you’re in fine working condition, be ready to pay for it yourself.
Add-ons
Future Secure
With this add-on, the insurer will increase your cover in line with inflation every year, your bonus amount will not be affected if the claim is less than 25% of base sum insured in the entire year and you also get extended coverage for generally excluded items like syringes, gloves, PPE kits etc.
Personal Accident cover
With this add-on, the insurance company will payout a lumpsum amount based on the cover chosen, in case the selected insured member of the policy passes away in an accident.
Nursing at home
With this add-on, the insurance company will payout a certain amount each day for medical services of a nurse at residence for a maximum of 15 days post hospitalization.
Portable medical equipment
With this add-on, you get coverage for expenses of portable medical equipment like oxygen cylinders, ventilators, CPAP etc as per the written recommendation of your doctor.
Vaccine Cover
With this add-on, the insurance company provides coverage against vaccination for diseases declared as pandemic or epidemic up to specified limits per insured person.
Advanced Health Check-up
This benefit covers additional tests like Mammography, PAP smear, Thyroid function test, TMT, Chest X ray and Sonography Abdomen, etc.
Room Modifier
With this add-on, the insurance company modifies the room rent restriction from Shared Room to Single Private Room.
Lifestyle support equipment
With this add-on, one gets coverage for expenses of Lifestyle support equipment like ICU bed, wheelchair, walker, belts, collars, etc as per the written recommendation of your doctor.
Cancer Booster
With this add-on, the insurance company will give additional coverage up to 100% of Sum Insured for medical expenses linked to Cancer of Specified Severity.
Tele-OPD Consultation
With this add-on, the insurance company provide coverage for teleconsultation from network facilities.
Frequently Asked Questions
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