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Last updated on: September 22, 2025
The Aditya Birla Activ Classic Plan and Care Advantage Plan are popular health insurance policies in India, each offering distinct benefits. The Activ Classic Plan from Aditya Birla provides comprehensive coverage, including inpatient hospitalization, pre- and post-hospitalization, AYUSH treatments, health check-ups, and wellness rewards, with sum insured options from ₹50,000 to ₹1 crore. Care Advantage Plan by Care Health Insurance offers high sum insured (up to ₹6 crore), lifelong renewability, no claim bonus, automatic recharge, and no room rent capping. While Aditya Birla’s plan is well-suited for individuals seeking wellness benefits and flexibility, Care Advantage excels for families or individuals desiring higher sums insured and value-added features like unlimited recharge. Choosing between them depends on personal health needs, sum insured requirements, and preferred additional features. Compare premiums, coverage, waiting periods, and optional add-ons before deciding.
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The importance of selecting an appropriate health insurance in India has never been greater, and the price of healthcare keeps increasing in 2025. Out of the numerous choices, the Aditya Birla Activ Classic Plan and the Care Advantage Plan are very popular in that they provide all the features and competitive premiums. In order to be safe and protect yourself and your family members in case of increased medical costs, comparing the two policies is essential.
This is our comprehensive comparison of the features, limitations of both of them and which ones are suitable in various types of policyholders. You may be a first-time buyer or even just intended to change your current cover or not, this guide will enable you to make an informed decision.
The Aditya birla Activ classic plan is a combination of hospitalization cover and wellness supplements that are designed to meet the needs of individuals and families that require to have full cover of their medical conditions plus bonuses on being healthy. The Care Advantage Plan (formerly, Religare Care) on the other hand is also a popular plan with its high sum insured options and easy, simple claim process.
The two plans are quite extensive in terms of medical coverage such as hospital, surgery, pre hospitalization and post hospitalization, though their structures and additional benefits are dissimilar.
In 2025, there is still high demand of insurance coverage with powerful post-pandemic cover. Aditya Birla improved its Activ Classic Plan to include additional day care procedures, cashless hospitalisation and wellness plans. In line with the trends of digital-first healthcare, Care Advantage Plan has increased its coverage of critical illnesses and added telemedicine support.
The right plan has the ability to cushion against unforeseen expenses, provide tranquility and even lifestyle modifications such as preventive examinations.
Did you know?
According to the recent surveys in 2025, broad hospitalization coverage was given by 63 percent of Indian policyholders as their key factor in selecting a health insurance plan.
People also ask:
Is OPD covered in these plans?
OPD is provided as optional add on by Aditya Birla Activ Classic and not included as standard in Care Advantage.
| Characteristic | Aditya Birla Activ Classic | Care Advantage Plan |
|---|---|---|
| Entry Age | 5 to 65 years | 91 days up to no limit |
| Sum Insured | 2 lakh to 1 crore | 25 lakh to 1 crore |
| Pre Hospitalisation Days | 30 | 60 |
| Post Hospitalisation Days | 60 | 180 |
| Hospital Network | 11000 plus | 24000 plus |
| Restoration Benefit | 150 percent | Unlimited as long as it is not combined with any other benefit |
| Wellness/Rewards | Yes (HealthReturns) | No (Basic Plan) |
| Day care procedures | 600 plus | 540 plus |
| No Claim Bonus | Discount up to 50 percent | Extra cover up to 150 percent |
| Premium Range (2025)^ | Begins at approximately 6500 INR | Begins at approximately 10500 INR |
^An estimated premium of the healthy 30 year old person.
Disadvantages of Aditya Birla Activ Classic Plan
Expert Insight
Aditya Birla Activ Classic would be suitable in the case of policyholders who would prefer to have incentives on wellness and at the same time have their basic cover and remain healthy and insured at the same time.
Cons of Care Advantage Plan
Did you know?
By 2025, close to 27 percent of the new health insurance purchasers in India are considering plans of at least 50 lakh sum insured due to the growth in medical inflation.
People also ask:
What is the waiting time on the pre-existing diseases?
Typically 2 to 4 years based on the plan and insurer.
They come with automatic restoration of sum insured and no claim bonuses making them the ones of interest though watch the renewal terms and loading (increase in premium with age or claims history).
Expert Insight
Look to see how it is loaded, and what benefits on restoration. Increased restoration may be significant when a person is hospitalized several times during a year, Nisha Gupta, the health insurance expert based in Delhi recommends.
Both plans enhanced their services as the demand of the digital healthcare increased:
People also ask:
Is it possible to purchase such policies online and have teleconsultation coverage?
Yes, the two schemes embrace full online policy purchase and telemedicine in 2025.
Did you know?
Based on industry data, 52 per cent of policyholders who took a critical illness rider in 2024 renewed with the maximum sum insured that was available in 2025.
What plan will have a larger network of hospitals in 2025?
The plan Care Advantage Plan has a broader net work which includes more than 24000 hospitals as opposed to 11000 plus in Aditya Birla.
Is it possible to renew both policies life?
Both Aditya Birla Activ Classic and Care Advantage Plan provide guaranteed lifelong renewable provided the premiums are being paid.
Are these plans inclusive of COVID19 or other future pandemics?
Yes, both plans cover COVID19 and hospitalisation related to the pandemic according to the regulatory changes in 2025.
In these schemes, what is the distinction between restoration and no claim bonus?
Restoration reinstates your sum insured on the condition that you got drained in the course of the year. Even no claim bonus provides additional cover (or premium discount in the case of Aditya Birla) per year without a claim.
In both, are there free health checkups?
Both insurers have annual free health checkups. Aditya Birla Activ Classic includes the checkups on an annual basis on the insured, Care Advantage on all the members.
Who should avoid these plans?
And in case you need maternity cover on day one or need OPD cover in the basic plan then you may consider a different plan or will require add-ons.
How could we improve this article?
Written by Prem Anand, a content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors.
Prem Anand is a seasoned content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors. He has a strong command of industry-specific language and compliance regulations. He specializes in writing insightful blog posts, detailed articles, and content that educates and engages the Indian audience.
The content is prepared by thoroughly researching multiple trustworthy sources such as official websites, financial portals, customer reviews, policy documents and IRDAI guidelines. The goal is to bring accurate and reader-friendly insights.
This content is created to help readers make informed decisions. It aims to simplify complex insurance and finance topics so that you can understand your options clearly and take the right steps with confidence. Every article is written keeping transparency, clarity, and trust in mind.
Based on Google's Helpful Content System, this article emphasizes user value, transparency, and accuracy. It incorporates principles of E-E-A-T (Experience, Expertise, Authoritativeness, Trustworthiness).
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