Aditya Birla Activ Health Platinum Essential Health Plan
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Activ Health Platinum Essential

A family health insurance plan that provides coverage against chronic ...Read More

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

About Activ Health Platinum Essential

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

Aditya Birla Activ Health Platinum Essential Plan is ideal if you seek a health insurance cover that protects against chronic illnesses, provides hospitalization benefits, and offers a high sum insured. This plan goes beyond hospitalization coverage. Activ Health Platinum Essential offers coverage against:

  • Four chronic conditions - Asthma, High Blood Pressure, High Cholesterol, and Diabetes (Type 1 and Type 2) from day one.
  • Automatic upgrade to the Chronic Management Program if a chronic condition develops after purchasing the policy.
  • Coverage for doctor consultations and diagnostic tests up to a defined limit in the policy schedule.
  • Hospitalization expenses including COVID-19 and daycare procedures.

The plan is available as an individual and family health insurance plan and provides multiple health benefits such as a wellness coach, annual health check-ups, and more.

Plan at a glance

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

Entry age
Minimum: 91 days, Maximum: No limit
Plan type
Individual and Family Health Insurance
Sum insured options
₹50 L, ₹70 L, ₹1 L, ₹5 L, ₹10 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

  • Health returns cover
  • Chronic management program
  • Mental illness cover
  • Home care treatment
  • Obesity treatment

Cons

  • Illness due to intoxicants
  • Change of gender treatment
  • Hazardous activities 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 Not covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Not covered
  • Daily hospital cash Covered

Family & special care

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

Modern & preventive care

  • Modern treatment Covered
  • Road ambulance Covered
  • Air ambulance Not 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 Health Insurance Plan Detailed Review

Aditya Birla Health Insurance Plan Detailed Review

Aditya Birla Health Insurance

Aditya Birla Health Insurance

Benefits of Aditya Birla Activ Health Platinum Essential

Activ Health Platinum Essential offers numerous benefits to policyholders, including:

  • Cover provided from day one: Instant coverage without any waiting period under a chronic management program for conditions such as high blood pressure, diabetes type 1 and type 2, high cholesterol, and asthma.
  • Earn Health Return Points: Earn health return points by staying active, allowing policyholders to earn up to 50% of the premium.
  • Expert Wellness Coaches: Consult an expert wellness coach for guidance on fitness tips, healthy diet plans, and more.
  • Cover for Mental Illness: Covers medical expenses incurred during hospitalization due to any mental illness, up to the specified limit in the policy schedule.
  • Tax Benefits: Eligible for tax benefits under section 80D 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.

Inclusions

  • In-patient hospitalization
  • Out-patient hospitalization
  • Daycare procedures
  • Domiciliary or home care treatment
  • Room rent
  • ICU charges
  • OT charges
  • Doctor's visit
  • Annual/preventive health check-up

Exclusions

  • Cosmetic/beautification treatment
  • HIV/AIDS and STD conditions
  • Attempted suicide or self-harm
  • Diagnostic tests (except those specified in your policy document)
  • War injuries, participation in riots/war-like situations, etc.
  • Hearing aids (unless specified in your policy documents)
  • Vision treatment, dental care, physiotherapy, etc. (except conditions mentioned in the policy)

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Entry age: 91 days
  • Max entry age: No age limit

Other features & benefits

How to Claim Aditya Birla Activ Health Platinum Essential Health Insurance

Steps to claim your Aditya Birla Activ Health Platinum Essential:

  • Step 1: Claim Intimation

    Inform your TPA of Aditya Birla Health Insurance if you have a planned hospitalization. In case of an emergency, inform the insurer within 24 hours of hospitalization.

  • Step 2: Document Submission

    Submit the completed claim form along with policy documents, medical reports, doctor's prescriptions, hospital bills, discharge summary (for reimbursement), and other details.

  • Step 3: Approval upon Verification

    If all details are correct and align with the policy coverage, the insurer will initiate the claim settlement procedure.

  • Step 4: Cashless or Reimbursement Settlement

    If treated at a network hospital, the insurer will settle medical bills directly with the hospital. For non-network hospitals, the insurer will reimburse medical bills as per policy terms.

In A Nutshell

Aditya Birla Activ Health Platinum Essential Plan provides protection from day one against personal accidents and chronic illnesses. It is an individual and family floater plan with affordable premiums and numerous features, making it suitable for those with diabetes, hypertension, and other chronic diseases.

Aditya Birla Platinum Essential Plan: FAQs

The 3 most-asked questions about Activ Health Platinum Essential, answered.

The minimum entry age for the plan is 91 days and the maximum entry age has no limits.
Yes, the plan offers coverage from day 1 for illnesses such as Diabetes, High Blood Pressure, Asthma, and High Cholesterol.
It is an initiative provided by the company that motivates insurance holders to stay fit and healthy.

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: 7 Aug 2023 · Originally published: 16 Oct 2024

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