Aditya Birla Active Care Premier Plan: 360° Care & Protection

Why Choose Aditya Birla Activ Care Premier Plan

With the increasing prevalence of lifestyle diseases and the rising cost of medical treatment, it's more important than ever to invest in health insurance, especially as you age. It is more likely for elderly people to become ill or develop lifestyle diseases. Activ Care Premier Plan provides comprehensive health insurance coverage for senior citizens by Aditya Birla health insurance company. An Aditya Birla Activ Care Premier Plan is a complete health insurance policy that covers medical expenses incurred during hospitalization and post-treatment recovery.

Features of Activ Care Premier Plan

An annual health assessment is provided free of charge once each policy year upon renewal. Taking preventive measures before a disease or health condition emerges allows the insured to keep track of his health on a regular basis.
Each claim-free year is rewarded with a no claim bonus of 10% of the sum insured, up to 50%.
During a policy year, you earn health returns if you maintain good health. If you maintain a healthy heart score and seek health and nutritional advice from a personal health coach, you can earn up to 21% of the premium amount as health returns.
A second medical opinion can be sought online by the company with the help of a panel of world-class doctors.
The sum insured can be reloaded once a year if the sum insured is exhausted due to claims made during the policy year.
An insured person also has access to a personal health coach to help them manage their lifestyle better. In addition to providing medical and nutritional advice, the health coach offers wellness guidance. Furthermore, he guides the insured through the post-treatment recovery process and helps them understand medical reports.
Health and wellness discounts are available through the network service providers on OPD consultations, diagnostics, and pharmacy. For families covered by two individual sums insured, a discount of 5% is applied to the premiums. A 2-year policy will receive a 7.5% long-term discount
In order to support a patient during his recovery period, the plan provides a number of optional benefits. An in-home nursing facility is available for 15 days after hospital discharge, lifestyle support and portable medical equipment are available if needed, and advanced medical checkups are conducted to monitor a patient's progress.
Plans have waiting periods of 30 days for initial enrollment, 24 months for specific illnesses, and 2 years for pre-existing conditions.
Inpatient hospitalization, daycare, home treatment, and AYUSH claim co-payments are 10%.
Under section 80D of the Income Tax Act, the insured can deduct up to 50,000 from the premiums paid.
Inclusions of the Plan
A 55-year-old is the minimum entry age and an 80-year-old is the maximum entry age.
A family floater policy is available as well as an individual policy. Only self and spouse are covered by the family floater.
The plan offers 5L, 7.5L, 10L, and 25L sum insured options.
There is coverage for in-patient hospitalisation.
There is one private AC room covered under the plan
The plan covers the expenses of ICU rooms up to the amount insured.
For 30 and 60 days, the plan covers pre-hospitalization and post-hospitalization expenses.
Plan coverage includes 586 daycare procedures.
As long as the sum insured is reached, the plan covers domiciliary hospitalisation.
If service is obtained through a network provider, ambulance charges are covered up to the actual expense.
Expenses associated with organ donation are covered up to the insurance limit.
Ayush in-patient hospitalization expenses are covered up to 25% of the insured sum.
The amount of coverage for home treatment is up to 50,000.
The coverage for OPD treatments is up to 2500.
Both domestic and international emergency assistance services are available.

Exclusions of Activ Care Premier Plan

War, nuclear emissions, terrorism, and civil war can all cause injuries or illnesses.
Self-injury or illness caused by participation or involvement in military, naval or air operations
Without a prescription from a physician, intoxication-related injuries, smoking cessation programs, and nicotine addiction treatments are not permitted
In the absence of a medical necessity for circumcision
Treatments that are not allopathic
Experimental or investigational devices and treatments
Vaccinations, inoculations, and immunizations (except post-animal bite treatments)
Supplemental nutritional and electrolyte intake is not permitted unless medically necessary
Contact lenses, spectacles, hearing aids, or multifocal lenses
Treatments and products related to hair loss
Medical supplies such as diabetic test strips and elastic stockings
Any type of prosthesis or external equipment used for diagnosis or treatment
Stress, insomnia, Alzheimer's disease, Parkinson's disease, general tiredness, sleep apneas, and fatigue
Treatment expenses related to external birth defects
Bone marrow transplantation for hematological conditions is the only exception to stem cell therapy
Expenses associated with organ donor screening
Injuries to the spine, skeletal structure, and fractures can be treated
Diseases transmitted through venereal contact and sexual contact
Except for treatment required as a result of an accident, dental treatment is available
Treatments such as hyperbaric oxygen therapy, laser surgery, cyber knife surgery, and other similar treatments are available
It is forbidden to use radio frequency unless written approval has been obtained in advance

FAQ

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

Yes, of course. With Activ Care Premier, you have the option to stay in a private room, a shared room, or the general ward. The insurer would share costs if your room exceeded the limit.

Is there a restoration benefit with Activ Care Premier?

There is a restoration benefit available with Activ Care Premier. In a policy year, if you are hospitalised again in order to treat a different complication, your coverage will be reinstated.

Are AYUSH treatments covered by Activ Care Premier?

That's right. As long as the insured sum does not exceed 25%, AYUSH Treatments are covered by Active Care Premier.

Is there a bonus offered by Activ Care Premier?

Definitely. No-claim bonuses are available with Activ Care Premier. The sum insured grows by 10% every year, up to a maximum of 50% if you do not make a claim.

Are there maternity benefits offered by Activ Care Premier?

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

Is Activ Care Premier available internationally?

Yes, of course. International coverage is available through Activ Care Premier. However, it only covers emergency hospitalizations.

Are dental benefits included in Activ Care Premier?

Unfortunately, no. Dental protection is not included in Activ Care Premier.

Are outpatient consultations covered by Activ Care Premier?

Yes, of course. A maximum of 2,500 outpatient consultations are covered by Activ Care Premier per year.

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