Aditya Birla Active Care Classic Plan: Plan For Senior Citizen

Why Choose Aditya Birla Active Care Classic Plan

Medical insurance policies that are designed for older individuals are available via Aditya Birla Activ Care. Medical expenses incurred are covered by the policy on an indemnity basis. As the plan contains both inbuilt and optional coverage benefits, its scope of coverage is quite broad. Furthermore, the plan covers home treatments, air ambulances in case of emergency both domestically and internationally, health assessments, etc.

Insurers can choose between the Standard, Classic, or Premier variants, with sum insured levels ranging from Rs. 3 lakh to Rs. 25 lakh. Under any variant of the plan, room, and ICU rent are not limited, and the actual coverage benefits differ according to the variant. A two-year coverage option is also available, and premium discounts are available to make premiums more affordable.

Features of Active Care Classic Plan

Health insurance plans based on indemnity are available to people ages 55 to 80
Individuals and families can choose from individual and family floater plans (family floater plans cover only one spouse).
Standard, Classic, and Premier plans are available
Five hundred eighty-six daycare procedures are available
You will also be covered for hospital expenses related to COVID-19
A Reload of the Sum Insured is provided once a year for subsequent claims for unrelated treatments
Receive a 10% No Claim Bonus for every claim-free year
Get rewards for staying healthy and fit through Health Returns
Emergency assistance services are available both internationally and domestically
Under the plan, a second E-opinion is available for major illnesses

Benefits of Active Care Classic Plan

1. Coverage that is comprehensive- Under the plan's three variants, there is a wide range of coverage benefits to choose from:

An insured sum ranging from INR 3 lakhs to INR 10 lakhs is standard
There are two types of classic insurance: 3 lakhs and 10 lakhs.
Insured between INR 5 lakhs and INR 25 lakhs, according to the type of policy

2. Sum insured reloaded - You can reload the sum insured by 50% to 100%, depending on the plan variant that you select. A reload can help you make subsequent claims if your sum insured has been exhausted during a policy year.

3. Hospitalisation as an inpatient - Depending on the policy you purchased, you will be reimbursed for expenses such as doctor's fees, room rent, medicines, and ICU and OT charges when an insured member is in the hospital for over 24 hours.

4. Bonus for no claims - You will receive a No Claim Bonus of 10% of the sum insured if you do not make a claim during the policy tenure. Bonuses can be up to 50% of the insured amount.

5. Pre-hospitalization and post-hospitalization - In addition to hospitalization expenses, there are several other expenses. As part of the Aditya Birla Activ Care Plan, these costs are covered for a limited number of days.

6. Procedures for daycare - It is possible to receive certain treatments without having to stay in the hospital for more than 24 hours, unlike regular hospitalization. 586 procedures of this type are covered under the Activ Care Plan.

7. Donation of organs - You would be covered under the Classic and Premier plans for organ transplantation as well as organ donation expenses.

8. Treatment at home - If you cannot get admitted to a hospital and need to get treated at home, the expenses of the prescribed medical treatment will be covered.

9. Benefits of AYUSH - The Classic and Premier plans cover medical expenses incurred during hospitalization for AYUSH treatment.

10. Charges for ambulances - During an emergency, the health insurance company will cover ambulance expenses if the insured member needs to be taken to the hospital by ambulance.

11. Check-ups for your health - Under the Classic and Premier plan options, each insured member who opts for a sum insured over INR 5 lakhs will receive a comprehensive health check-up once a year.

Exclusions of Active Care Classic Plan

Optical therapy, hearing aids, spectacles, and contact lenses
Alopecia treatment, wigs, and baldness treatment
Treatments for reshaping
Aesthetic and cosmetic surgery
Under the influence of intoxicants, an illness may result from an injury/accident
Self-injury that is intentional
A breach of the law
Uprisings/revolutions/wars

FAQ

Are there any restrictions on room rent at Activ Care Classic?

That's right. You can only stay in a shared room with Active Care Classic. When the final bill arrives, expect to pay a lot more for a better room.

Is there a restoration benefit to Activ Care Classic?

There is a restoration benefit included in Active Care Classic. In a policy year, if you are hospitalised one more time to treat a different complication, you will receive 100 percent of your cover back.

Are AYUSH treatments covered by Activ Care Classic?

Yes, of course. Ayurvedic treatments are covered up to 10% of the amount insured by Activ Care Classic.

Can I get a bonus with Active Care Classic?

In fact, yes. No-claim bonuses are offered by Activ Care Classic. Wherever you go without making a claim, your sum insured grows by 10% up to a maximum of 50%.

What are the maternity benefits offered by Activ Care Classic?

Unfortunately, no. Maternity benefits are not offered by Activ Care Classic.

Is Activ Care Classic available internationally?

That's right. International coverage is available with Active Care Classic. However, it only provides coverage if the hospitalization is an emergency.

Is dental protection included in Active Care Classic?

Unfortunately, no. The dental protection offered by Activ Care Classic is not available.

Are outpatient consultations covered by Activ Care Classic?

Absolutely not. There is no coverage for outpatient consultations under Active Care Classic.

What is the formula for calculating the premiums for Active Care Classic?

Aside from age and location (zonal), health conditions (pre-existing conditions) and lifestyle habits (smoking, drinking, etc.) are taken into account when calculating premiums.

Activ Care Classic is available at a discount?

That's right. On your subsequent renewal, Activ Care Classic does offer discounts based on your fitness level and number of steps taken. 1% to 20% of the purchase price can be discounted.

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