especially individuals or couples seeking senior-focused hospitalization
OPD
home treatment
wellness and recovery support.
What Works Well
100% reload of Sum Insured once per policy year
Domiciliary hospitalization covered up to Sum Insured
Organ donor expenses covered up to Sum Insured
586 listed day care procedures covered
OPD treatment available up to ₹2
500 over and above Sum Insured
Cashless home treatment available
Personal Health Coach available
HealthReturns up to 21% of premium
Comprehensive health check-up once per policy year
Watch Out For
10% co-payment applies when entry age is 61 years or above
Base room eligibility is Single Private AC Room
Only 586 listed day care procedures are covered
Reload is available only once per policy year and for subsequent unrelated claims
Plan is comparatively expensive
Non-medical expenses are not fully covered in the base policy
10% co-pay for entry age 61 years or above
Single Private AC Room base restriction
Reload restricted to subsequent unrelated claims
Listed day care procedures rather than all day care procedures
Plan pricing is relatively expensive
Multiple specific exclusions and benefit conditions
Hidden Clauses - Read Very Carefully!
These clauses are often buried in fine print.
MyInsureBuddy surfaces them so you're never surprised at claim time.
Data Not Available
⚡ At a Glance
Cashless Available Online Claim Tracking Home Sample Pickup Personal Claim Manager Domiciliary Cover Family Floater Modern Treatments Reset Benefit Organ Donor Health Coaching Preventive Checkups Co-payment Applies Room Rent Cap Disease Sub-limits Complex Exclusions Restore Restrictions Claim Restrictions
Road Ambulance
₹5,000
Day Care
586
Home Care
₹50,000
Cum. Bonus
10%/yr (max 50%)
Special Benefits
•Restore Benefit
Wellness Benefits
•HealthReturns up to 21% of premium
•Health Assessment
•Comprehensive Health Check-up
•Personal Health Coach
•Healthy Heart Score
•Active Dayz
•Health and Wellness discounts
•Second E-Opinion on major illnesses
Modern Treatments
•Data Not Available
Optional Add-ons
•Room Upgrade
•PPN Discount
•Nursing at Home
•Lifestyle Support Equipment
•Portable Medical Equipment
•Advance Health Check-up
•Non-medical Expenses Cover
Domiciliary Exclusions
•Asthma
•bronchitis
•tonsillitis and upper respiratory tract infection including laryngitis and pharyngitis
•cough and cold
•influenza
•Arthritis
•gout and rheumatism
•Chronic nephritis and nephritic syndrome
•Diarrhea and all types of dysenteries including gastroenteritis
•Diabetes mellitus and insipidus
•Epilepsy
•Hypertension
•Psychiatric or psychosomatic disorders of all kinds
•Pyrexia of unknown origin
Key Benefits (Pros)
•Fewer claim settlement complaints
•Fewer after-sales complaints
•High claim settlement ratio
•Low claim repudiation ratio
Policy Drawbacks
•Average response time on X (Twitter)
•Premium is expensive compared with competing products
Day 31 Covered Diseases
•Data Not Available
Insurer Positives
•Fewer claim settlement complaints
•Fewer after-sales complaints
•High claim settlement ratio
•Low claim repudiation ratio
Insurer Negatives
•Average response time on X (Twitter)
•Premium is expensive compared with competing products
Eligibility
•Minimum entry age: 55 years
•Maximum entry age: 80 years
•Individual policy available
•Family floater available for self and spouse only
•Premier Sum Insured options: ₹5 lakh, ₹7.5 lakh, ₹10 lakh and ₹25 lakh
Care & Wellness Benefits
•Health Assessment once per policy year
•Comprehensive Health Check-up once per policy year
•Personal Health Coach
•HealthReturns up to 21% of premium
•Second E-Opinion on major illnesses
•Health and Wellness discounts
Optional Covers / Care Benefits
•Room Upgrade: Single Private AC Room to Any Room except Suite & above
•Source: Uploaded Activ Care Policy Terms & Conditions and Activ Care Product Benefit Table/Brochure; FY2025-26 market metrics supplied by user; current Aditya Birla official product/claims pages; official Activ Care premium prospectus
