Aditya Birla Activ Health Platinum Enhanced Insurance Plan
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Aditya Birla Activ Health Platinum Enhanced

You can access the chronic management program and receive coverage for ...Read More

Up to 1 Cr
Sum insured
1
No. of plans
4800+
Pan India presence
96%
Claim settlement ratio
📄 Download brochure
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,701 reviews
🏥 12,900+ hospitals
📊 1.88 solvency ratio
✅ 96% claim settlement

About Aditya Birla Activ Health Platinum Enhanced

A quick read on what this Aditya Birla Health Insurance plan covers and why it might be a fit for you.

Aditya Birla Platinum Enhanced Plan offers unique healthcare benefits such as health insurance protection with wellness benefits and chronic care. Individuals can avail of the benefits on an individual and family floater basis. The minimum entry age is 91 days, with no maximum entry age. Dependent children from 91 days to 25 years are covered under the family floater policy. Coverage is available for yourself, your legally wedded spouse, up to 3 dependent children, parents, parents-in-law, and more.

The plan provides a wide range of sum insured options from 2 Lakhs to 2 Crores. You can double your sum insured in 2 claim-free years, earn health rewards, avail coverage for chronic illnesses from day one, access expert health coaches, and enjoy a waiver of premiums on the diagnosis of critical illnesses, among other benefits.

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
Minimum: 91 Days Children: 3 Months to 25 Years Maximum: No Limit
Plan type
Individual and Family Health Insurance
Sum insured options
₹2 L, ₹5 L, ₹10 L, ₹15 L, ₹20 L, ₹50 L, ₹1 L, ₹2 L
Waiting period
30 days
Renewability
Lifelong
Policy term
1, 2, 3 years

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • Earn 100% health returns
  • Cover for dental consultations
  • Modern treatment cover
  • Wellness coach
  • Mental illness cover

Cons

  • Illness due to intoxicants
  • Change of gender treatment
  • Hazardous activity not covered
  • HIV/AIDS not covered
  • Cosmetic surgery unavailable

What's covered

Every CMS-driven coverage flag from the plan wording — only items with a published value render below.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Covered
  • Day-care treatment Covered
  • OPD charges Covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Covered
  • Daily hospital cash Covered

Family & special care

  • Maternity cover Not covered
  • New-born baby cover Not covered
  • IVF treatment Not covered
  • AYUSH treatment Covered
  • Organ donor expenses Covered

Modern & preventive care

  • Modern treatment Covered
  • Road ambulance Covered
  • Air ambulance Covered
  • E-consultation Not covered
  • Health check-up Covered
  • Second medical opinion Covered
  • Vaccination Covered

Conditions & global

  • Co-payment Covered
  • Sub-limits Not covered
  • Compassionate travel Not covered
  • Global coverage Not covered

Video reviews

Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.

Aditya Birla Activ Health Platinum Enhanced Plan Review

Aditya Birla Activ Health Platinum Enhanced Plan Review

In this video, we ve delved into the details of the Aditya Birla Activ Health Platinum Enhanced Plan. Let s highlight the key points covered:

Aditya Birla Platinum Enhanced Plan Benefits

Aditya Birla Activ Health Platinum Enhanced offers a plethora of benefits and customization features:

  • Avail Additional Benefits: Insurance holders can access value-added benefits like cumulative bonuses, health check-up programs, second e-opinion for major illnesses, dental consultations, and recovery benefits.
  • Value Added Benefits: Includes chronic management programs with health assessment, health returns, expert health coaching, and more.
  • Optional Coverage: Offers optional coverages like personal accident cover, international cover for major illnesses on a cashless basis, and critical illness cover.
  • High Sum Insured Options: Choose from a range of sum insured options from 2 Lakhs to 2 Crores.
  • Tax Benefits: Premiums paid are eligible for tax benefits as per the Income Tax Act, 1961.

Aditya Birla Health Insurance Network Hospital List

Aditya Birla Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Aditya Birla Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Delhi Mumbai Bengaluru Chennai Kolkata Hyderabad Pune Ahmedabad Jaipur Lucknow

Know More About Network Hospitals →

Inclusions & exclusions

What the plan pays for, and what it doesn't.

Exclusions

  • Hospitalization due to war, riot, strike, and nuclear weapons
  • Intentional self-injury
  • AIDS
  • Miscarriage and abortion
  • Congenital disease
  • Infertility and in vitro fertilization
  • Listed ailments after 12 months
  • Pre-existing diseases after 12 months

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Entry age: 90 days
  • Max entry age: 45
  • SI: 1L to 1 Cr
  • Waiting period: 30 days

Other features & benefits

  • Chronic management program
  • Premium waiver benefit
  • Reload of SI
  • Road ambulance cover
  • Second e-opinion

Aditya Birla Activ Health Platinum Enhanced Plan: FAQs

The 5 most-asked questions about Aditya Birla Activ Health Platinum Enhanced, answered.

The eligibility criteria for Aditya Birla Platinum Enhanced Plan are as follows: Minimum Entry Age - 91 Days Maximum Entry Age - No Limit Dependent children can be covered under the plan from the age of 91 Days to 25 years.
The various sum insured options available under the plan range between 2 Lakhs to 2 Crores.
Yes, customers will get tax benefits towards the premiums paid for the Aditya Birla Activ Health Platinum Enhanced Plan as per the Income Tax Act of India, 1961.
There are multiple optional coverages available under the plan like Personal Accident Cover Critical Illness Cover International Cover for Major Illnesses International Second e-opinion for major illnesses
Expert health coaching is a part of the value-added benefits offered by Aditya Birla Platinum Enhanced plan wherein customers can avail of medical, nutritional, mental & fitness, mental counseling sessions, and homeopathy teleconsultation.

Conclusion

A comprehensive health plan offering strong coverage along with wellness and chronic care benefits.

Explore Aditya Birla Health Insurance

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Naval Goel — Founder & CEO, PolicyX.com Reviewed by Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 30 Sep 2023 · Originally published: 16 Oct 2024

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