Activ Health - Platinum (enhanced + essential)

Aditya Birla Health Insurance

Claim settlement ratio 94%

NCB* 50%, up to 100% of SI

PED Waiting# 48 months

Network Hospital 6500

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Overview of Activ Health- Platinum (enhanced + essential) Health Insurance Plan

Aditya Birla Activ Health- Platinum plan comes with a unique benefit of 100% HealthReturns. This comprehensive one-of-a-kind plan provides exclusive coverage for contemporary treatments and chronic management programs. The plan also allows double sum insured in just 2 claim free years.

What’s Covered

  • The Aditya Birla Activ Health Platinum plan by Aditya Birla Health Insurance offer coverage for modern treatment methods
  • Aditya Birla Activ Health Platinum allows premium waiver in case of detection of critical illnesses that are listed under the plan
  • The plan also facilitates patients to avail cashless home treatment
  • In case of chronic illnesses, the coverage under the plan is offered from Day 1
  • The plan covers hospitalization expenses including mental illnesses as well as accidents

What’s Not Covered

  • Aditya Birla Activ Health Platinum doesn’t cover the treatment of external congenital anomalies or abnormalities present since birth
  • Aditya BirlaActiv Health Platinum plan do not allow treatment coverage for sexually transmitted diseases
  • The plan does not cover expenses of treatment due to abuse of intoxicants like drug, alcohol as well any self-inflicted or intentional injury
  • Exclusion is also there for maternity expenses under the Activ Health- Platinum
Frequently asked questions

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.

  • * 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.

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