Activ Health Platinum Essential Plan
Activ Health Platinum Essential Plan
  • Flexible Coverage Option
  • Health Return Benefits
  • Tax Benefits Under Sec 80D
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Activ Health Platinum Essential Plan

Activ Health Platinum Essential Plan is a health insurance plan being offered by the renowned company Aditya Birla Health Insurance. The plan provides comprehensive coverage to the insured. This plan not only provides coverage to the insured but also rewards the insured for keeping good health.

Eligibility Criteria

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

Entry Age (Minimum)91 Days
Maximum Entry AgeNo age limit
Children less than 25 years of ageThey are not eligible for individual plans, rather they can be covered under the family floater plan. Newborn babies can also be included in the family floater plan once they are 91 days old.

How Many Members Can Get Covered?

The plan has flexible offers because, under the family floater plan, 9 members can be included. These 9 members can consist of 6 adults and 3 children.

The family members that can be considered under the family floater plan can constitute of your spouse, children who are less than 25 years of age, dependent parents, dependent parents-in-law and the self.

Key Features Of Activ Health Platinum Essential Plan

The features make it easier for the buyer to finalize the plans. The same has been explained here briefly:

  • In case you plan to buy Aditya Birla Activ Health Essential plan, you can choose a sum insured as per your requirements between the range Rs. 50,000 to Rs. 10 Lacs. this is the minimum and maximum limit for the sum assured.
  • The plans give you the freedom to choose a room from economy class to a single private room according to your preference in case of hospitalization.
  • Coverage for expenses like room rent, doctor’s consultation fee, operation theatre expenses, medicines, drugs, and other consumable expenses are provided under Activ Health Platinum Essential plan.
  • A free ambulance facility is provided to the insured under the plan in case of an emergency.
Activ Health Platinum Essential Plan
  • The plan also offers treatment at home if the patient is not in a condition to travel to a hospital under the domiciliary hospitalization facility.
  • In case you get a poor quality room as per your choice and as per the paid premium paid by you. In such a situation credit is provided to you in the form of HealthReturns. This can be used further in bill payments.
  • In case of critical illness, the insured gets the facility to consult an international specialist.
  • Generally, people are punctual relating their work but we hardly find someone attentive towards his/her diet, nutrition and health. So, there is also the facility of a wellness coach who keeps a check on your balanced diet and daily routines exercise.
  • Every Year, the insured can take the service of a health check-up program for each insured adult. The checkups are customized according to the age of the insured.
  • The accumulated HealthReturns can be utilized in purchasing medicines until you have credits left, like in case of fever. And It can also be redeemed to make payments of surgery in case you have not completed the waiting period. The third option the plan provides you relating HealthReturn is that it can be used for premium payment at the time of renewal of the policy.
  • Medical procedures like doctor consultancy, medical tests and service expenses for physiotherapy, etc are covered under Pre & post-hospitalization cost within 30 before admission & 60 days after discharge.
  • The insured has got certain options for deductibles. It applies to the claims in a policy year. The insured can choose deductibles from the list: Rs. 25,000, Rs. 50,000, Rs. 1 Lakh, Rs. 2 Lakhs
  • There is an availability of vast network hospitals covering treatment.
  • The premiums paid for Aditya Birla Activ Health Platinum Essential Plan, are exempted from tax under section 80D of Income-tax Act,1961.

Benefits Of Aditya Birla Activ Health Essential plan

There are several benefits provided to the insured under the Activ Health Platinum Essential plan. The list of benefits has been mentioned below:

  • The insured is provided up to 30% of the policy premium back as HealthReturn if the insured does not fall sick.
  • Under the Chronic Management program, the Activ Health Platinum Essential plan provides cover from day 1 in case of severe illness and diseases like diabetes, high cholesterol, hypertension, and asthma.
  • The insured can show up his preferences to the room in case of hospitalization.
  • Hospital cash benefit can be utilized in the following parameters:
    • The benefit is provided maximum up to 30 days within a policy year.
    • But the benefit is provided only for 10 days for each claim.
    • The amount can be chosen between Rs. 500 to Rs. 5000 as per your requirement. The amount chosen should be in multiples of 5.
  • The plans have a vast range as it covers 527 daycare procedures.
  • The insured gets a cumulative bonus (No Claim Bonus) of 10% of the insured sum. The utmost bonus can be 100% of the insured sum.

Aditya Birla Activ Health Platinum Essential plan Coverage

CriteriaDetails
Policy Term1 year, 2 years or 3 years
In-Patient Hospitalization CoverAvailable
Pre Hospitalization CoverAll the consultancy costs and diagnostic tests expenses are covered by Aditya Birla Activ Health Platinum Essential plan, subjected to the condition that is has been done in the last 30 days before the hospitalization was done.
Post Hospitalization CoverMedical procedures like doctor consultancy, medical tests and service expenses for physiotherapy, etc are covered under post-hospitalization cost subjected to the condition that it has been performed within 60 days after the insured gets discharged from the hospital.
Day Care TreatmentAvailable
Domiciliary Hospitalization CoverAvailable
Ambulance CoverAvailable
Hospital Room ChoiceAvailable
Second E - Opinion On Critical IllnessAvailable

Activ Health Essential Plan Review

This plan has a variety of options for policy buyers. The claim process is also easy and smooth. The company is a self-introduction in the form of the services provided to the insured. So, trust the plan and make your life easier in hard medical conditions.

FAQs

The maximum insured sum under the Activ Health Platinum Essential plan is Rs. 10 Lacs.

Yes, there is a provision for daily hospitalization cash between Rs. 500 to Rs. 5000.

Yes, diabetes is covered under the chronic management program.

A maximum of 9 members can be included in the plan.

A maximum of 3 children can be insured under the program.

Yes, there is the availability of a health coach who keeps track of your balanced diet and daily exercise along with regular health checkups.

There is an E-option but on critical illness. If your illness matches the list of diseases mentioned in the critical illness then you can get second advice from an international expert.

Yes, the plan has a range of deductibles that can be applied to the plan according to your choice. For further details, you can read the article.

The ambulance facility is also provided to the insured in case of need/emergency.

No, an individual plan can only be bought if you are 25 years old or above in age. Below that, all fall in the category of dependent children. So, your son can be included in the family floater plan.

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Last updated on 02-12-2019