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Aditya Birla

Aditya Birla

Activ Care Classic

Activ Care Classic could be a good policy if you’re 55+, with pre-existing complications or if nobody is willing to insure you. However, if you have other alternatives, this policy could be a letdown, considering the policy has some unsavoury conditions including restrictions on room rent. So do read more below.

What's good here?

ped

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.

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prePost

Pre & Post hospitalization expenses covered

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 in full for a pretty reasonable duration - 30 days before you are hospitalized and 60 days after discharge. This includes the cost of medication by the way.

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healthCheckup

Free Health Checkups every year

If you’re planning on getting a full body checkup every year just to make sure you’re in fine working condition, the insurer will cover the costs.

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dayCare

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.

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ayush

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.

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What's bad here?

special mention
warning
Be aware of

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.

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coPay

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.

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roomRent

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.

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What's okay here?

restoration

Some Restoration Benefit

Even after you claim part of the cover on one occasion, you will have 100% 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.

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ncb

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.

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domiciliary

Some coverage if you are forced to hospitalize at home

The insurer will pay up to 10% of the sum insured if you are forced to hospitalize at home due to a medical condition or the hospital running out of beds. In insurance lingo, they call this a policy with domiciliary cover.

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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

Yes. Activ Care Classic imposes 3 kinds of waiting periods -
  • 30-Day Waiting Period: Hospitalizations won’t be covered for the first 30 days of the policy unless it’s an accident.
  • Specific Illness Waiting Period: There’s a 2-year waiting period for a list of diseases which is a mandate before you can start claiming.
  • Pre-Existing Disease Waiting Period: There's a 2-year waiting period for any pre-existing disease you may have while buying the policy.
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