Aditya Birla Activ Health Platinum Essential Health Plan
Aditya Birla Health Insurance Aditya Birla Health Insurance ★ 4.4

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

A family health insurance plan that provides coverage against chronic illness from day one.

Why do we recommend this?
  • Covers four chronic conditions including asthma, high blood pressure, high cholesterol, and diabetes from day one.
  • Coverage for doctor consultations and diagnostic tests up to a defined limit in the policy schedule.
  • Stay active and earn health return points.

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

A quick look at what this plan covers — and what it doesn't.

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

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.

Know More About Network Hospitals →

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

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

Frequently Asked Questions

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.

Health Insurance Premium Calculator

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Written and reviewed by

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

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Rated by 2,684 customers

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