Aditya Birla Health Insurance Co. Limited
Activ Care
Senior-focused
UIN ADIHLIP21062V022021We don't sell this — we'll still recommend if it fits
The dealbreaker fields
Max cover
₹20 lakh
Claim settlement (CSR)
98%
PED waiting
36 months
Specific disease wait
36 months
Mandatory co-pay
20%
Room rent prop. ded.
Yes
Pre / post hosp.
60 / 90 days
Network hospitals
11,000+
Free look
15 days
What this plan does well
- Senior 55+ entry (younger than Care Senior 61+)
- Reload of SI built-in
- AYUSH up to SI
- Modern Treatments up to SI
- PED 36mo (vs Care Senior 48mo)
Watch out for
- 20% mandatory co-pay per claim
- Specific disease waiting 36mo (long)
- Proportionate deduction on room cap breach
- CB only 10%/yr max 50%
- Free Look 15 days
Is this the right plan for you?
Run the 30-second cover calculator. We'll tell you whether this plan, or a different one, is the better fit.
Find my right cover →We don't directly sell this plan today. If our verdict says this is your best fit, we'll point you to a broker who does — and tell you our paired listed alternative so you can decide.