Aditya Birla Health Insurance for Senior Citizens
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply
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Aditya Birla Health Insurance for Senior Citizens
Aditya Birla Health Insurance for senior citizens provides medical coverage to elderly people above the age of 60 years. The Activ Care plan of Aditya Birla Health Insurance Company Limited has been designed to address the health needs of senior citizens and is available in three variants – Standard, Classic and Premier.
Key Benefits of Aditya Birla Health Insurance for Senior Citizens
The following are the key benefits of Aditya Birla Health Insurance for senior citizens:
- Multiple sum insured options ranging from Rs 3 lakh to Rs 25 lakh
- Coverage available on an individual and family floater basis
- COVID-19 hospitalization facility available
- Cashless hospitalization facility for parents at over 8700 network hospitals
- Annual comprehensive health check-up facility available
- Care Benefits, including health assessment, health coach, HealthReturns, second e-opinion on major illnesses, etc., are available
- 5% family discount if two members are added on individual sum insured
- Reload of sum insuredoption available once a year
- 5% long term discount if opted for a 2-year policy tenure
- 10% No Claim Bonus for every claim-free year
- Processing of claimswithin 2 hours
- Tax savings under Income Tax Act, 1961 (Section 80D)
Choose Health Insurance Company for Senior Citizens
Aditya Birla Health Insurance Plans for Senior Citizens
Take a look at the various Aditya Birla Health Insurance plans for senior citizens in the table below:
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Aditya Birla Health Insurance Plans for Senior Citizens |
Sum Insured (Rs) |
Co-Payment |
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Aditya Birla Activ Care Standard Plan |
3 lakh to 10 lakh |
20% |
View Plan |
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Aditya Birla Activ Care Classic Plan |
3 lakh to 10 lakh |
20% |
View Plan |
|
Aditya Birla Activ Care Premier Plan |
5 lakh to 25 lakh |
10% |
View Plan |
Eligibility Criteria for Aditya Birla Health Insurance for Senior Citizens
The following table shows the eligibility criteria for parents to purchase Aditya Birla Health Insurance:
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Categories |
Eligibility Criteria |
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Minimum Entry Age |
55 years |
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Maximum Entry Age |
80 years |
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Family Members Covered |
Self and spouse |
The premium will be calculated based on the age of the eldest member.
Inclusions of Aditya Birla Health Insurance for Senior Citizens
Aditya Birla Health Insurance for senior citizens includes the following coverage:
- In-patient Hospitalization
- Day Care Treatment
- Pre-medical Expenses
- Post-hospitalization Expenses
- OPD Treatment
- Domiciliary Hospitalization
- Road Ambulance Cover
- Organ Donor Expenses
- AYUSH Hospitalization
- Domestic/International Emergency Assistance Services (Including Air Ambulance)
- Home Treatment
Optional Covers:
- Nursing at Home
- Advance Health Check-up
- Room Upgrade
- Lifestyle Support Equipment
- Portable Medical Equipment
- PPN Discount
Exclusions of Aditya Birla Health Insurance for Senior Citizens
Aditya Birla Health Insurance plans for senior citizens excludes the following:
- Abuse of intoxicants like alcohol, drugs, etc.
- Treatment taken outside India
- Intentional self-injury or attempted suicide
- Cosmetic surgery
- Bariatric surgery
- HIV AIDS
- Stem cell therapy
FAQs
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Q1. Can I buy Aditya Birla Health Insurance for my parents?
Ans: Yes. You can buy Aditya Birla Activ Care health insurance for your parents on their behalf.
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Q2. Does any waiting period apply to Aditya Birla Health Insurance plans for senior citizens?
Ans: Yes, Aditya Birla Activ Care plan comes with a waiting period of 30 days for all non-accidental claims, 15 days for COVID-19 hospitalization, 24 months for specific illnesses, 48 months for joint replacement surgery under the Standard variant and 24 months for pre-existing diseases.
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Q3. How to check the premium for Aditya Birla Health Insurance plans for senior citizens?
Ans: You can check the premium chart for Aditya Birla Health Insurance plans for senior citizens on Policybazaar.com or the website of the insurance company.
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