Activ Health Platinum - Enhanced Plan

Activ Health Platinum - Enhanced Plan is a health insurance plan being offered by Aditya Birla health insurance company. The plan brings to the insured several health benefits and wider coverage during medical emergencies. It is a chronic disease management program. The plan also has a variety of sum insured options.

Eligibility Criteria

The eligibility criteria are as follows depicted in the tabular form:

Features Of Activ Health Platinum Enhanced Plan

The features of the plan have been mentioned-below for an easy reference:

• Pre-Insurance Health Checkup: All who are interested and want to buy the Activ Health Platinum - Enhanced Plan require to undergo pre-insurance health checkups. It is mandatory for all.
• Health Returns: Health returns are the rewards given to the policyholder for keeping fit and these rewards can be used by the insured as per their convenience like from getting medicine for the fever to a surgery bill payment (which is not covered under the policy due to waiting period).
• Room Accommodation Flexibility: The plan provides the insured the flexibility to choose among shared, single or any room based on the sum insured they have opted.
• Medicine Cover: The insured can get day 1 coverage for things like medicine, diagnostic tests, and consultation fee for diseases like diabetes, hypertension, high cholesterol, and asthma.

• Reinstatement Of Sum Insured: The insured can get a 100% to reload of the insured sum in case of exhaustion of all the accumulated benefits and sum assured in the policy year. The reinstatement of the sum insured is applicable after the first claim. The sum insured is reloaded even if it has not completely exhausted in the previous claim.
• Cashless Facility: The insured can avail of the cashless facility at the network hospitals. All that is required is the insured needs to get admitted to the network hospital and get self-treated without any worries. All the medical bills are settled between the hospital and the health insurance company.
• The insured can earn up to 30% as HealthReturns and it can be used to pay the renewal premium or any medical bills, diagnostic tests bill, etc.

Activ Health Platinum Enhanced Plan Coverage

Benefits Of Activ Health Enhance

All the benefits and coverage provided under Activ Health Platinum Enhanced Plan have been explained in brief henceforth:

• In-patient Hospitalization

  In the case of hospitalization for a continuous 24 hours or more, the insured is subjected to get all the coverage for expenses incurred in the treatment. It includes room rent, consultancy fee of the doctor, medicines, operation theatre expenses and other consumables provided by the hospital until the time the insured is admitted to the hospital.

• Daycare Treatment

  The advanced technology has made it possible that treatment like dialysis does not require 24 hours hospitalization, yet in such circumstances, Activ Health Platinum Enhanced Policy provides coverage under Daycare treatment.

• Domiciliary Treatment

  There are times when the patient is not in a condition to travel to the nearest hospital or health center, or there is no availability of beds in the hospital then in such situations the insured can get domiciliary treatment under the advice of an experienced medical practitioner and the health insurance company provides the policyholder coverage for these expenses.

• Ambulance Hospitalization

  Suppose the insured requires conveyance to travel to a network hospital in case of emergency then the insured gets an ambulance cover according to Activ Health Platinum Enhanced Policy.

• Organ Donor Expenses

  All treatment expenses related to organ donor is covered under this health insurance policy.

• Cumulative Bonus

  Activ Health Platinum Enhanced Policy provides you a cumulative bonus in case of no claim during the policy year. The cumulative bonus is a 20% increment in the sum insured amount on yearly basis subjected to the condition that the cumulative bonus can be maximum up to Rs. 50 Lakhs.

• Health Checkup Program

  Each member insured under the Activ Health Platinum Enhanced Plan can undergo a free health checkup once every policy year.

• Benefits Of Hospital Room Choice

  At the time of hospitalization, there is a possibility that the insured get an inferior room in comparison to the paid sum insured so in such a situation the health insurance company gives the insured a Predefined percentage of claim back in the form of HealthReturns which can be further used in medical bill payments.

• Second Opinion For Critical illnesses

  In case the insured is diagnosed with a critical disease, the policyholder has this opportunity to get a second opinion from medical experts for the illness. The expense relating to the second opinion consultation is covered under the Activ Health Platinum Enhanced Policy.

• Worldwide Emergency Aid

  It is quite common that the policyholder who is generally on tour/ travel faces medical scenarios. In one of these circumstances, if there are no required medical aids available for the treatment of the insured then in such a case, the health insurance company provides worldwide emergency medical assistance by traveling to the spot and bringing the insured back home.

• Chronic Management Program

  Diabetes, hypertension, high cholesterol, and asthma are common illnesses at present. So, the health insurance company has launched a chronic management program under Activ Health Platinum Enhanced Policy to help the policyholders fighting from these illnesses. A team of doctors and specialists guide the insured with steps to bring their health back on track.

• Health Coach

  A health coach is available under this health insurance plan who can keep track of the nutrition and diet the insured is taking. The insured can take benefit of this facility and get health advice from this coach.

• Deductibles

  Deductibles are applicable under Activ Health Platinum Enhanced Policy. There are deductible options like Rs. 25,000, Rs. 50,000, Rs. 1 Lakh, Rs. 2 Lakhs, Rs. 3 Lakhs, Rs. 4 Lakhs, Rs. 5 Lakhs.
  The bills are payable by the health insurance company after the deductibles have exhausted.

• Hospital Cash Benefit

  In the case of hospitalization for more than 24 hours the policyholder can avail cash benefit on a per-day basis. The insurer applies deductible for 24 hours under this benefit. Moreover, the benefit is payable only for 10 days per claim and 30 days maximum in a policy year. The insured is free to choose an amount between Rs 500 and Rs. 5000 in multiples of 500 according to the requirement.

• Recovery Benefits

  The insured gets coverage for ancillary costings like traveling expenses to hospital, attendant charges, etc. Under the recovery benefit, the insured gets 1% of the insured sum and maximum up to Rs. 10,000 in the case of 10 days or more of hospitalization.

• Maternity Cover

  Maternity coverage is provided under the Activ Enhanced plan. The insured who chooses for maternity cover gets coverage for newborn baby expenses, vaccinations, medically necessary treatments and lawful medical termination of pregnancy also.

Aditya Birla Activ Health Platinum - Enhanced Policy Review

The policyholders have appreciated the coverages provided under Activ Health Platinum - Enhanced Policy to a great extent. The HealthReturns provided to the insured have been highly liked and the best part liked about the HealthReturns is that it can be used in any type of medical bill payment starting from a fever medicine bill to a surgery bill which is not getting covered because of the waiting period.