Aditya Birla Activ Health Platinum Plan - Policy Benefits and Review
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Aditya Birla Health Insurance Aditya Birla Health Insurance ★ 4.4

Activ Health Platinum

A plan that takes the best care of you. This covers modern treatment m ...Read More

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

A plan that takes the best care of you. This covers modern treatment methods as well.

Why do we recommend this?
  • Avail cashless home treatment.
  • Covers chronic illness from day 1.
  • Earn up to 100% HealthReturns.

Plan at a glance

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

Entry age
91 days – Dependent child, 18 years – Adult, No maximum age
Plan type
Individual and Family Health Insurance
Sum insured options
₹2 L, ₹5 L, ₹10 L, ₹15 L, ₹50 L, ₹1 Cr, ₹1 L, ₹2 L
Waiting period
30 days
Renewability
NA
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

  • Post-hospitalization physiotherapy
  • Health coach benefit
  • One premium waiver
  • Health assessment
  • Chronic management program

Cons

  • Illness due to intoxicants
  • change of gender treatment
  • Hazardous activity 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 Not Covered

Family & special care

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

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Aditya Birla Activ Health Platinum Plan

Aditya Birla Activ Health Platinum Plan

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 →

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Entry age: 91 days
  • Max entry age: 65 years
  • SI: 10L to 2 Cr

Frequently Asked Questions

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

You can buy the Aditya Birla Activ Health Platinum plan for yourself and your spouse, as well as up to your 3 dependent children.
It depends on the applicant’s age and the sum insured he/she opted for. The cost of the medical check-ups will be fully reimbursed if the policy was accepted by the insurance company.
No, pre and post-hospitalization expenses are not covered under AYUSH treatment.
Yes, there is a 30 day grace period for the renewal of the policy.
Yes, Domiciliary treatment is covered up to 100% of your selected Sum Insured.

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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: 1 Jun 2026 · Originally published: 16 Oct 2024

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