Aditya Birla Activ Health Platinum Plan - Policy Benefits and Review
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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

About Activ Health Platinum

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

Activ Health Platinum, a health product by Aditya Birla Health Insurance Company, is a health insurance plan designed to look after the healthcare needs of an individual and cover their family under a single sum insured.

The plan provides customized coverage to the insured. Along with the coverage, the plan also rewards the insured for maintaining good health. The plan comes in three variants: Essential, Premiere, and Enhanced. It offers a wide range of benefits to ensure none of your healthcare needs are ignored.

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

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 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 Activ Health Platinum Plan Benefits

  • Health Returns

    Earn rewards by staying fit

  • Chronic Management Program

    Coverage for Chronic Diseases

  • Discounts

    Avail Long-Term Discounts

  • Activ Health App

    Track your health with an app

  • Tax Benefits

    Get tax benefits under section 80D

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 →

Sample premium

Indicative premium examples — your actual quote depends on age, declared medical history, sum insured and add-ons.

Sample Premium Illustration of Aditya Birla Activ Health Platinum

To understand the premium amount payable for all three variants of Activ Health Platinum, we have calculated the premium amounts for a couple aged 30 & 25 years respectively, and have created the tables below:

Enhanced Variant

Policy Term10 Lakhs25 Lakhs50 Lakhs
1 year13,69021,92231,236
2 years25,39438,80457,866
3 years37,19956,88984,568

Essential Variant

Policy Term10 Lakhs25 Lakhs50 Lakhs
1 year10,11614,39222,044
2 years18,75226,62740,790
3 years27,42138,96759,713

Premiere Variant

Policy Term10 Lakhs25 Lakhs50 Lakhs
1 year54,19862,03173,889
2 years1,03,2081,17,5551,39,473
3 years1,51,8311,73,1692,04,997

Inclusions & exclusions

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

Exclusions

  • Permanent diseases or health conditions not included under Aditya Birla Activ Health Platinum Plan are:
  • Hospitalization due to war, riot, strike, and nuclear weapons
  • Intentional self-injury
  • AIDS
  • Miscarriage and abortion
  • Congenital disease
  • Infertility and in vitro fertilization
  • Certain diseases and treatments are covered under this plan after a certain period. Details are as follows:
  • 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: 91 days
  • Max entry age: 65 years
  • SI: 10L to 2 Cr

Other features & benefits

  • Road ambulance cover
  • No claim bonus
  • Critical illness cover
  • Domiciliary hospitalization
  • Super reload of SI

Aditya Birla Activ Health Platinum Plan: FAQs

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: 7 Aug 2023 · Originally published: 16 Oct 2024

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