Aditya Birla Activ Care Plan (2025) – Everything You Should Know
Safeguarding our parents’ health is more than just about the bills for hospital care. Having them feel at ease, toward recovery, and in the care of dedicated professionals — just as you would. That is the assurance of the Aditya Birla Activ Care Plan—thoughtfully fashioned for seniors in 2025.
Whether you are looking after elderly parents or preparing for your own medical needs after 55, this plan delivers a total holistic package—including daycare services, at-home treatments, nursing care, cutting-edge digital wellness tools, and incentives for staying active.
What is the Activ Care Plan?
Activ Care is an Aditya Birla Health Insurance health plan expressly tailored for individuals age 55 and over. More than just a safety net, it—quite simply—is a lifestyle-oriented solution. From hospitalization support and routine medical check-ups to post-hospital recovery aids, the plan has your needs fully covered.
Presented in three tiers—Standard, Classic, and Premier—the plan affords you the flexibility you need when matching healthcare requirements to your budget.
Why opt for Activ Care in 2025?
- Hospitalization benefits that extend to ICU stays, outpatient examinations, and costs before and after hospitalization.
- A total of 586 daycare procedures are covered.
- Cashless home treatment for chemotherapy, dengue, hepatitis, and related conditions
- Nursing support provided at home immediately after discharge
- Personal health coaching coverage (Classic and Premier)
- Portable medical equipment support (walker, wheelchair, etc.)
- Yearly health checks for efficient early detection
- Second electronic opinion on major illnesses
- Get up to 21% of your premium back on a yearly basis through HealthReturns™ for staying active.
- Extensive cashless network of more than 11,000 hospitals
HealthReturns™ – A Reward for Living Well
Traditionally, health insurance only steps in when something goes wrong. However, with Activ Care, you’re also rewarded for doing things right.
Do the Health Assessment, be active at least 13 days a month, and you can earn up to 21% of your premium back. The better you look after your health, the bigger the rewards.
You may employ these rewards to:
- Use the rewards to pay next year’s premiums
- Buy medicines
- Organise diagnostic tests.
- Set up an emergency Health Fund
What’s Covered?
This policy offers more than hospitalization coverage alone. It is intended to help your loved ones at every phase—from treatment to recovery, and even in day-to-day lifestyle management.
Among the major features are:
- In-patient hospitalization covering room rent, doctor consultation, and diagnostics.
- Cashless home treatment for specified conditions
- Home-based nursing care after hospitalisation
- Accordant with the program, our personal health coaches assist you with diet, fitness, and mental wellness.
- Annual health assessment provided
- Discounts on pharmacy, OPD, and diagnostic expenses
- Assistance for portable medical equipment.
- Ambulance cover, scheduled and emergency airlift (both domestic and international), and other additional benefits
Premiums for Activ Care Plan (2025)
Here is an approximate premium range based on sum insured and plan type. These premiums are indicative and may vary based on health declaration, co-pay, and tenure options.
| Sum Insured | Standard Plan (55-60 yrs) | Classic Plan (55-60 yrs) | Premier Plan (55-60 yrs) |
|---|---|---|---|
| ₹3 Lakhs | ₹11,000 – ₹13,500 | ₹13,000 – ₹16,000 | ₹16,500 – ₹19,000 |
| ₹5 Lakhs | ₹13,500 – ₹16,500 | ₹17,000 – ₹20,000 | ₹21,000 – ₹25,000 |
| ₹10 Lakhs | Not Available | ₹25,000 – ₹30,000 | ₹30,000 – ₹35,000 |
| ₹25 Lakhs | Not Available | Not Available | ₹45,000 – ₹55,000 |
Simple Steps to Obtain the Policy
- Select your Sum Insured: decide according to anticipated medical requirements and what makes you most comfortable.
- Policy Term: Choose between one, two, or three years. The two-year coverage option is offered at a discounted premium.
- Submit the Proposal Form: a health declaration and KYC are obligatory. Individuals under the age of 55 rarely have to undergo medical examinations.
- Buy the Policy: Once the proposal is approved, the policy is issued instantly.
- Download the E-card: This card grants access to more than 11,000 cashless hospitals nationwide.
To whom is this plan suitable?
The plan suits the following:
- Seniors aged between 55 and 80 seeking convenient medical coverage
- Sons and daughters can take out dependable coverage for their ageing parents.
- Couples about to retire or already living in retirement who seek cashless coverage and home-based care.
- Individuals facing mobility difficulties who need treatment administered at home and follow-up nursing care.
- NRIs and expatriates who want to secure medical coverage for their parents residing in India
FAQ on Active Health Care
Is this policy meant only for people who already suffer from illnesses?
By no means. Even healthy seniors find it perfectly suited for them. Even so, it delivers excellent support should any illness emerge.
Is it possible to purchase the plan for my parents, who are more than seventy years old?
Yes. Coverage can be taken up till the age of 80.
Do I have to undergo a medical test?
In most cases, it is not required.
Do OPD consultations fall under the policy?
Indeed, discounts are offered through the partner network, and the Classic and Premier variants provide specific coverage.
How might I make use of HealthReturns?
Put it toward your next premium payment, use it to buy medications, or reserve it for unexpected emergencies.
Final Thoughts
By 2025, the Aditya Birla Activ Care Plan will be recognized as a dependable and all-inclusive health cover for senior citizens. It’s not only about hospitalization costs; it is about comfort, accessibility, recovery, and rewards too. It meets contemporary needs, recognises family obligations, and turns the journey to staying healthy into a rewarding experience.
Be it a working professional looking after aging parents, a senior couple seeking additional independence, or an NRI seeking coverage from overseas, this plan integrates protection, convenience, and digital empowerment into a single noteworthy decision.