Activ Health - Platinum (enhanced + essential) Aditya Birla Health Insurance

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Health is the foundation of everything we do, yet it often remains overlooked or underinsured. While we readily protect our vehicles, gadgets, and homes, our own well-being frequently takes a backseat. But health emergencies are unpredictable; no one plans to fall ill. One day, you may be enjoying life as usual, and the next, you could find yourself in a hospital, burdened by medical expenses. This is where a reliable health insurance plan becomes indispensable. 

The Aditya Birla Activ Health Platinum Essential Health Insurance Plan provides immediate protection against various listed health concerns, including cholesterol and blood pressure. With wide coverage and a large network of hospitals, features like cashless treatment and health check-ups are available when you need them most. 

To learn more about Family Floater Plans, click here.

Activ Health - Platinum (enhanced + essential) Aditya Birla Health Insurance

check-star Get a variety of hospitalisation and health benefits.
check-star Access to health returns of up to 50% of your premium.
check-star Immediate coverage from day 1 for chronic concerns
check-star Access to expert guidance on mental, nutritional, and medical health.
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Features and Benefits of the Aditya Birla Activ Health Platinum Essential Health Insurance Plan

Platinum Essential Health Insurance Plan is packed with various benefits. You must read those to get a lump sum idea of what this policy offers and what your expectations should be. Here are some popular features and benefits of the Activ Health Platinum Essential you might consider looking out for. 

1
Comprehensive Coverage

One of the prominent benefits of the Platinum Essential Health Insurance Plan is its comprehensive design. From daycare treatments to in-hospital benefits, cumulative bonuses to health returns, chronic disease management programs to expert health coaches, it has a lot to offer. The comprehensive coverage ensures your protection is enhanced and the financial burden on you and your loved ones is reduced. 

2
Day 1 Cover

With the Platinum Essential Health Insurance Plan, you receive immediate day 1 coverage for a variety of concerns, including type 1 and type 2 diabetes, asthma, high cholesterol, and high blood pressure. 

3
Wide Range of Hospital Network

With Aditya Birla Health Insurance Co. Limited, you get access to more than 11,000 network hospitals. This means you get easy access to hospitals, and your health emergencies are covered no matter where you are. 
 

4
Access to a Variety of Add-Ons

Another notable benefit of the plan is its. The availability of various riders, such as a critical illness rider, personal accident cover, hospital cash benefit, and more, makes your policy more personalised according to your specific needs and not generic. 
 

5
Cumulative Bonus

With Aditya Birla Activ Health Platinum Essential Health Insurance Plan, you get access to a cumulative bonus of 10% of your SI for every claim-free year. This cumulative bonus can be ultimately used to avail premium discounts, making your policy more budget-friendly. 

6
24*7 Support

Another amazing perk of availing a policy with Aditya Birla Health Insurance Co. Limited is that you get 24*7 support. This means that, regardless of your queries or the time you ask for support, you always have a team of experts to rely on. 
 

7
Easy Claim Settlement

With the Platinum Essential Health Insurance Plan, you do not have to worry much about claim settlements. The procedure is not only simple but also fast. Your claims can be easily processed through our in-house team, where you receive an update within just 2 hours. 
 

Aditya Birla Activ Health Platinum Essential Health Insurance Plan: Highlights

Here are some of the highlights of the Aditya Birla Activ Health Platinum Essential Health Insurance Plan:

Particulars

Details

Policy Name
Aditya Birla Activ Health Platinum Essential Health Insurance Plan:

Insurance Company
Aditya Birla Health Insurance Co. Limited

Add Ons
HLTH meter International coverage for major illnesses Critical illness cover Personal accident cover Hospital cash benefitWaiver of mandatory co-payment

Entry Age
The minimum entry age under the Platinum Essential Health Insurance Plan is 91 days. The minimum age for a dependent child under a family floater plan is 91 days. The minimum age for an adult under the family floater plan is 18 years. The minimum entry age for an individual policy is 5 years.

Renewability

 Lifelong

Waiting Period
Initial waiting period: 30 days.  Waiting period for pre-existing diseases: 48 monthsWaiting period for specific concerns: 24 months, 48 months in case of a genetic disorder

Network hospital
11,000+

Claim Settlement Ratio
96% (FY 2022-23)

Lives Insured
2.5 crore+

Presence
4800+ locations

Best suited for
Young adults Elderly peopleFamilies Individuals with chronic concerns
 

Wish to Enhance Your Coverage? Take a look at the Riders Available with Aditya Birla Activ Health Platinum Essential Health Insurance Plan

No matter how comprehensive your policy is, there may be times when you want to add other features to make it more personal and customised according to your requirements. Well, Activ Health Platinum Essential Health Insurance Plan has got you covered. It comes with a wide range of riders you may choose to add to your base plan to make it more well-rounded. Here are some popular add-on options available to you. 

Add-on Covers

Details

HLTH Meter
With this add-on, you gain access to the HLTH meter, which helps you evaluate and monitor your mental wellness. You gain access to a wearable device that enables the assessment of mental health and stress management. Additionally, complimentary consultation sessions and unlimited online support are available. 

Critical Illness Cover
With this rider, you ensure financial coverage against around 20 critical concerns mentioned in the policy. A short survival period of 15 days is applicable after the diagnosis of the critical concern. 

Personal Accident Cover 
Accidents are unpredictable, but you need not be stressed over them. With this rider, you ensure financial protection for you and your family against such incidents. The premiums are small and the payouts are decided as per the SI (Sum Insured). Covers both: accidental death and permanent total disablement.

International Coverage for Major Illnesses 
With this rider, coverage is offered for planned in-hospitalisation international treatment of around 16 major illnesses. 

Hospital Cash Benefit
This rider provides an additional benefit or daily allowance for each day you're hospitalised. 
 

Aditya Birla Activ Health Platinum Essential Health Insurance Plan: What is Covered?

Here is a list of policy inclusions under the Platinum Essential Health Insurance Plan. 

1
Health Returns

Gain access to policy returns as health returns to support your fitness and overall well-being. The points can be accumulated and used for premium payment during policy renewals. 

2
Day Care Treatment

Any expenses incurred on the treatment that requires you to stay in the hospital for less than 24 hours are covered. For example, dialysis. 
 

3
In-Patient Hospitalisation

Any expenses on planned or unforeseen treatments that require you to be in the hospital for more than 24 hours are also covered. For instance, room rent, doctor's charges, medicine and drugs, etc. 
 

4
Pre and Post-Hospitalisation Medical Expenses

Any medical expenses incurred within 30 days before your hospitalisation, such as diagnostic tests, consultation charges, etc., are covered. Coverage is also provided for up to 60 days after your discharge. 
 

5
Chronic Management Program

With this benefit, you gain access to specialised doctors, a dedicated team, and a program designed to help you manage chronic concerns and maintain your health. Coverage is offered for diagnostic tests, medical examinations, and other related services. 
 

6
Road Ambulance Cover

Any expenses incurred on transportation of the insured to the nearest hospital using a road ambulance are covered. 
 

7
Domiciliary Hospitalisation Expenses

Any medical expenses incurred from the treatment at home are covered. 
 

8
AYUSH In-Patient Hospitalisation

It also covers in-hospitalisation treatment of Ayurveda, Yoga, Unani, and more. 
 

9
Obesity Treatment

Any medical expenses incurred from medically necessary bariatric surgery are also covered. However, prior approval needs to be obtained from the company. 
 

10
Mental Illness

Medical bills occurring during in-hospitalisation treatment related to mental Illness are also covered. However, the illness must be significant and should not be related to any attempt at self-harm or injury. 
 

11
Health Check-ups & Health Assessment

Free health check-ups are offered for each adult once per policy year. Health assessments also include measurements of BMI, blood pressure, cholesterol, blood sugar, and more. 
 

12
Second E-Opinion

Coverage is also offered for a second e-opinion on critical concerns via international experts. 
 

13
Home Treatment Expenses

Expenses of up to ₹25,000 for the SI of ₹4 lakhs, and ₹ 50,000 for the SI of ₹5 lakhs and above, are covered for home treatment, including chemotherapy, hepatitis, etc. 
 

14
Modern Treatment Methods

Modern treatments, such as robotic surgeries and stem cell treatments, are also covered. 
 



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Pros & Cons Activ Health - Platinum (enhanced + essential)Aditya Birla Health Insurance

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The Aditya Birla Activ Health Platinum plan by Aditya Birla Health Insurance offer coverage for modern treatment methods
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Aditya Birla Activ Health Platinum allows premium waiver in case of detection of critical illnesses that are listed under the plan
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The plan also facilitates patients to avail cashless home treatment
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In case of chronic illnesses, the coverage under the plan is offered from Day 1
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The plan covers hospitalization expenses including mental illnesses as well as accidents
Read More Read More
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Aditya Birla Activ Health Platinum doesn’t cover the treatment of external congenital anomalies or abnormalities present since birth
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Aditya BirlaActiv Health Platinum plan do not allow treatment coverage for sexually transmitted diseases
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The plan does not cover expenses of treatment due to abuse of intoxicants like drug, alcohol as well any self-inflicted or intentional injury
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Exclusion is also there for maternity expenses under the Activ Health- Platinum
Read More Read More

Our Verdict on Aditya Birla Activ Health Platinum Essential Health Insurance Plan

Having a reliable health plan offers numerous benefits. It surely reduces your financial burden, but it also helps you avail quality medical care and have peace of mind. With a plan like the Platinum Essential Health Insurance Plan, you gain access to a range of features, including a cumulative bonus, health returns, comprehensive coverage, and 24/7 support. Therefore, it is a safe and reliable choice for individuals, families, and the elderly as well. You can easily get the plan with affordable premiums.
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Aditya Birla
Health Insurance Company

Aditya Birla Health Insurance Company Limited was incorporated in 2015 as a joint venture between the Aditya Birla Group and MMI Holdings of South Africa with 51% and 49% stake respectively. The company is a subsidiary of Aditya Birla Capital Limited.

The company offers a wide range of health insurance products consisting of unique insurance covers and offerings including incentive wellness and chronic care. The company believes in transparency, technology, trust and efficient customer service.

Founded in
2015
Number of Claims
20.5+ Lakh
Number of Policies
2.5 Crore+ lives covered
Turnover (GWP)
Rs.2,399 Crore
JV Partners
JV between Aditya Birla Capital Ltd. (ABCL) and MMI Holdings of South Africa

Claims Experience

Claims Experience Rating 4.7
check-star % of claims settled in less than 30 days
Reflects on the speed of settling valid claims
98.61%
check-star % of Complaints received on overall claims
% customers unhappy with claims experience
0.24%
check-star Claims Incurred Ratio
64.68%
check-star Claim Settlement Ratio (No. of claims)
96%
check-star No. of Cashless Hospitals
11,000+

Benefits of Activ Assure Diamond Aditya Birla Health Insurance

In-patient Hospitalization
ICU Rent Limit
No limit
Room Rent Limit
No limit
Pre & Post Hospitalization
Post-hospitalization expenses covered up to (test)(test)
Sum Insured
Post-hospitalization expenses are covered for up to
180 days after the date of discharge from the hospital
Pre-hospitalization expenses covered up to
Sum Insured
Pre-hospitalization expenses are covered for
Pre-hospitalization expenses are covered for – 60 Days before hospitalization
Day Care Treatment
Financial Limit
As specified in the policy schedule
No. of treatments covered
527 Daycare treatments covered
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Ask Anything as We Have Answers to Everything in Insurance

To find a network hospital or to find the list of the network hospitals of the insurer, you can check the official website of the company. Alternatively, you can also call at the toll-free no. @ 1800 103 1033 to avail the required information.

In some instances, the cashless facility for hospitalization may be denied because of insufficient sum insured. It may also be denied if there is insufficient information whether the treatment is covered or not under the policy. In that case, the insured might have to go through a reimbursement treatment policy of paying the hospital bill first and then raising the claim of compensation.

In case of cashless treatment, the insured is needed to settle all non-admissible expenses directly with the hospital, including co-pay and deductibles, whichever is applicable.

No, it is better to furnish claim forms and documents on the required time to avoid any hassle in claims.

Normally, claims are settled by the insurer within 30 days of the receipt of all the necessary information and documents.

Yes, smokers can also opt for the Platinum Essential Health Insurance Plan. However, your premiums may vary based on your smoking habits. 

The Platinum Essential Health Insurance Plan offers a range of add-on options, including personal accident coverage, critical illness coverage, a hospital cash benefit, and a waiver of mandatory co-payment, among others. 

Disclaimer
 

  • * The accumulated cumulative bonus or the NCB shall not exceed 100% of the Sum Insured on the Renewed Policy as specified in the policy terms.
  • # Ailments diagnosed within 48 months before policy issuance date or any medical treatment received within 48 months before the issue date of policy.

(For Detailed Information Refer to the Policy Wording)