Activ Health Platinum
  • Explore the Eligibility Criteria
  • Key Features of the Plan
  • Inclusions & Exclusions
premium

Network hospitals

11000+

premium

Incurred claim ratio

64.68%

premium

Sum insured

Up to 2 CR

premium

No. of Plans

22

premium

Solvency Ratio

2.3

premium

Pan India Presence

213

Recognized By Aditya BirlaPolicyX.com is a Recognised Aditya Birla Partner View Certificate

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

premium

Network hospitals

11000+

premium

Incurred claim ratio

64.68%

premium

Sum insured

Up to 2 CR

premium

No. of Plans

22

premium

Solvency Ratio

2.3

premium

Pan India Presence

213

Recognized By Aditya BirlaPolicyX.com is a Recognised Aditya Birla Partner View Certificate

Activ Health Platinum

Activ Health Platinum, a health product by Aditya Birla Health Insurance Company is a comprehensive 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 keeping good health. The plan comes in three variants- Essential, Premiere, and Enhanced Plan. The plan provides a wide range of benefits, that ensures none of your healthcare needs are ignored.

Let’s explore more about the plan:

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Aditya Birla Activ Health Platinum Plan

Aditya Birla Activ Health Platinum Plan

Aditya Birla Activ Health Platinum Plan Specifications

Entry Age

Minimum: Children- 91 days to 5 years Adult: 5 years

Entry Age Max.

Maximum: No age bar

Policy Term

1/2/3 years

Plan Type

Individual/ Family Floater

Sum Insured

50K to 2 Cr

Initial Waiting Period*

30 Days*

*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.

Read more specifications in the brochure.

Choose your Aditya Birla Activ Health Platinum Plan

With wide coverage options, Activ Health Platinum Health plan lets you customize your health insurance plan as per your requirements:

Coverage for SI: Rs. 50,000 - Rs. 1 Crore

In-patient & Out-patient Coverage

Room Rent

Covered

ICU Charges

Covered up to SI

Pre-Hospitalization

Covered up to 30 days

Post-Hospitalization

Covered up to 60 days

Domiciliary Hospitalization

Covered

Daycare Treatment

Covered

OPD Charges

Not Covered

Coverage Terms

COVID-19 Treatment

Covered

Cataract

Not Covered

No Claim Bonus

Available

Automatic Restoration

Not Available

Daily Hospital Cash

Not Available

Organ Donor

Not Covered

Maternity Cover

Not Available

New Born Baby Cover

Not Available

Alternative Treatments

AYUSH Treatment

Covered

IVF Treatment

Not Available

Modern Treatment

Covered

Emergency Coverage

Ambulance

Covered

Air Ambulance

Covered

Compassionate Travel

Not Available

Global Coverage

Not Available

Wellness Programmes

E-Consultation

Not Available

Health Check-Up

Available

Second Medical Opinion

Covered

Vaccination

Not Covered

Limitations

Co-payment

20% applicable

Sub-limits

Not Available

What is Room Rent?

The room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.

Common Room categories covered under room rent are:

  • Private Single AC Room
  • Twin Sharing
  • General Ward

Coverage status under Aditya Birla Activ Health Platinum Plan?

Essential Enhanced Premiere
Room Options up to S.I. - 3 L Room Options up to S.I. - 3 L Up to SI for all options
Shared Room Shared Room Up to SI for all options
Single Private A/C Room Single Private A/C Room Up to SI for all options
Room Options S.I. 4L and above Room Options S.I. 4L and above Up to SI for all options
Shared Room Shared Room Up to SI for all options
Single Private A/C Room Single Private A/C Room Up to SI for all options
Any room Any room Up to SI for all options
What are ICU Charges?

It is a special department in the hospitals where patients with serious medical conditions are treated.

Coverage status under Aditya Birla Activ Health Platinum Plan?

Under this plan, ICU Charges are covered up to the SI.

What is Pre Hospitalization?

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under Aditya Birla Activ Health Platinum Plan?

Essential Enhanced Premiere
Covered, up to 30 days Covered, up to 60 days Covered, up to 60 days
What is Post Hospitalization?

Medical expenses incurred after the discharge of the policyholder from the hospital.

Coverage status under Aditya Birla Activ Health Platinum Plan?

Essential Enhanced Premiere
Covered, up to 60 days Covered, up to 180 days Covered, up to 180 days
What is Domiciliary Hospitalization?

Home hospitalization arrangement for the insured person due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get the financial coverage.

Coverage status under Aditya Birla Activ Health Platinum Plan?

Under Active Health Platinum Plan, domiciliary hospitalizations is covered.

What is Daycare Treatment?

Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.

Coverage status under Aditya Birla Activ Health Platinum Plan?

This plan covers the expenses of all daycare procedures.

What are OPD charges?

Covers the cost of doctor consultation and prescribed medical tests that may not require hospitalization.

Coverage status under Aditya Birla Activ Health Platinum Plan?

Not Covered under the plan.

What is COVID-19 Treatment?

COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.

Coverage status under Aditya Birla Activ Health Platinum Plan?

COVID-19 treatment cover is available under this plan.

What is Cataract Treatment?

A common eye condition in which your vision gets blurred.

Coverage status under Aditya Birla Activ Health Platinum Plan?

The plan does not cover Cataract Treatment.

What is a No-Claim Bonus?

For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.

Coverage status under Aditya Birla Activ Health Platinum Plan?

Essential Enhanced Premiere
Applicable on Sum Insured: 10% increase, max up to 100% (up to Rs 50 Lakhs) Applicable on Sum Insured: 50% increase, max up to 100% (up to Rs 1 Cr) Applicable on Sum Insured: 50% increase, max up to 100% (up to Rs 1 Cr)
What is Automatic Restoration?

Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.

Coverage status under Aditya Birla Activ Health Platinum Plan?

Essential Enhanced Premiere
Not Available Available up to 100% of SI Not Available
What is Daily Hospital Cash?

It is a cash amount that you receive each day during the time of hospitalization.

Coverage status under Aditya Birla Activ Health Platinum Plan?

The daily hospital cash is not available under the plan.

What is an Organ Donor Cover?

It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.

Coverage status under Aditya Birla Activ Health Platinum Plan?

Under the Essential plan variant, Organ Donor expenses are not covered.

Under the plan, Organ Donor expenses are covered up to the SI

What is a Maternity Cover?

It refers to the cover that includes expenses for normal and c-section procedure deliveries.

Coverage status under Aditya Birla Activ Health Platinum Plan?

Not covered

What is a New Born Baby Cover?

It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Pre-mature delivery
  • Birth asphyxia
  • Day care treatment

Coverage status under Aditya Birla Activ Health Platinum Plan?

Not covered

What is AYUSH Treatment?

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

Coverage status under Aditya Birla Activ Health Platinum Plan?

AYUSH treatment is covered under this plan.

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)

Coverage status under Aditya Birla Activ Health Platinum Plan?

Not available

What is a Modern Treatment?

Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.

Coverage status under Aditya Birla Activ Health Platinum Plan?

Essential Enhanced Premiere
Available for listed procedures, with 50% co-payment on Robotic surgeries. Available for listed procedures Available for listed procedures
What is an Ambulance Cover?

An ambulance is used to move the patient from home to the hospital, transfer to another hospital, and take them for different tests outside the hospital.

Coverage status under Aditya Birla Activ Health Platinum Plan?

Essential Enhanced Premiere
Actuals in Network Hospitals Actuals in Network Hospitals Actuals in Network Hospitals
Rs, 2,000 in Non Network Rs, 5,000 in Non Network Rs, 5,000 in Non Network
What is an Air Ambulance?

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

Coverage status under Aditya Birla Activ Health Platinum Plan?

The plan covers the Domestic Emergency Assistance Services (including Air Ambulance) & International Emergency Assistance Services (including Air Ambulance).

What is Compassionate Travel?

Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.

Coverage status under Aditya Birla Activ Health Platinum Plan?

Not available

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India.

Coverage status under Aditya Birla Activ Health Platinum Plan?

Not available

What is E-Consultation?

If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

Coverage status under Aditya Birla Activ Health Platinum Plan?

The plan does not cover the expenses for E-consultation.

What is a Health Checkup?

A facility where the policyholder can avail free health check-ups after fulfilling the company's policies.

Coverage status under Aditya Birla Activ Health Platinum Plan?

The plan offers an Annual Health Check-up benefit.

What is a Second Medical Opinion?

If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.

Coverage status under Aditya Birla Activ Health Platinum Plan?

The plan covers the expenses for Second Medical Opinion on critical illnesses.

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations is provided by the insurance companies.

Coverage status under Aditya Birla Activ Health Platinum Plan?

The plan does not cover vaccination cover.

What is Co-payment?

In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.

Status under Aditya Birla Activ Health Platinum Plan?

Co-payment is only applicable if the policyholder is above 61 years.

What is the Sub limit?

Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder.

Status under Aditya Birla Activ Health Platinum Plan?

No sub-limits are available

Aditya Birla Health Insurance Network Hospital List

Other Health Insurance Companies

Aditya Birla Activ Health Platinum Plan Exclusions

Permanent Exclusions

Permanent diseases or health conditions that are not included under the Activ Health Platinum plan are:

Any injury, or hospitalization due to any man-made disasters like war, invasion, etc.

Any expenses incurred on surgeries meant for enhancing facial features like plastic, and surgeries for the congenital disorder, infertility, etc.

Intentional self-injury and treatment for drug addiction and alcoholism.

Any injuries due to participating in any adventurous activities.

Coverage after Waiting Period

Certain diseases and treatments are covered under this plan after a certain time period. Read the details below:

Listed ailments after 24 Months

Pre-existing diseases after 36 Months

Sample Premium Illustration of Aditya Birla Activ Activ Health Platinum

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

Enhanced Variant

Policy Term 10 Lakhs 25 Lakhs 50 Lakhs
1 year 13,690 21,922 31,236
2 years 25,394 38,804 57,866
3 years 37,199 56,889 84,568

Essential Variant

Policy Term 10 Lakhs 25 Lakhs 50 Lakhs
1 year 10,116 14,392 22,044
2 years 18,752 26,627 40,790
3 years 27,421 38,967 59,713

Premiere Variant

Policy Term 10 Lakhs 25 Lakhs 50 Lakhs
1 year 54,198 62,031 73,889
2 years 1,03,208 1,17,555 1,39,473
3 years 1,51,831 1,73,169 2,04,997

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 relief under section 80D

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 from getting medicine for a fever to a surgery bill payment (which is not covered under the policy due to waiting period).

Chronic Management Program

Under the Chronic Management program, the Activ Health Platinum plan provides cover from day 1 in case of severe illness and diseases like diabetes, high cholesterol, hypertension, and asthma.

Discounts

The plan offers discounts if one chooses to opt for a long-term policy. Avail a 7.5% discount for a 2-year policy and a 10% discount for a 3-year policy.

Activ Health App

With this app you can do a lot- It will help keep you active and track your fitness journey. It tracks your fitness activity, Active Dayz, etc. and helps you stay hale and hearty.

Tax Benefits

Amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.

Explore other Aditya Birla Health Plans

Aditya Birla Health offers a wide range of health insurance plans to fulfill the medical needs of individuals, families, and senior citizens.

Comprehensive

A comprehensive health insurance plan that offers comprehensive coverage against medical bills & comes with access to Chronic Management Program.

Unique Benefits

  • Chronic illness cover
  • Modern treatments covered
  • Double coverage

Affordable

Activ Assure Diamond is a complete health insurance plan that offers new-age health features at an affordable cost, and covers more than 500 daycare treatments.

Unique Benefits

  • 150% sum insured reload
  • No Room rent capping
  • Mental illness covered

Activ Assure Diamond (Pros)

  • 100% Ambulance Cover
  • Organ Donor Expenses Covered
  • AYUSH Treatment Cover
  • Hospital Allowance
  • Day Care Treatment Covered

Activ Assure Diamond (Cons)

  • 10% Co-Payment
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Activ Assure Diamond (Other Benefits)

  • Up to 10% Long Term Discount
  • Health Return Points
  • Room Upgrade Available
  • Super No Claim Bonus
  • Unlimited Reload of SI

Activ Assure Diamond (Eligibility Criteria)

  • Entry Age - 5 Years
  • Max Entry Age - Age No Limit
  • SI - 2 L to 2 Cr
  • Waiting Period - 30 Days

Standard

Arogya Sanjeevani Policy

A standard health insurance policy, wherein you can choose coverage of up to Rs.1 lac to Rs.5 lacs.

Unique Benefits

  • Avail 5% cumulative bonus
  • Cataract treatment covered
  • All daycare treatments covered

Arogya Sanjeevani Policy (Pros)

  • AYUSH Treatment
  • Pre & Post Hospitalization Cover
  • Cashless Treatment
  • Day Care Treatments
  • 5% No Claim Bonus

Arogya Sanjeevani Policy (Cons)

  • 5% Co-Payment
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Arogya Sanjeevani Policy (Other Benefits)

  • High SI
  • Room Rent Cover
  • Cataract Treatment
  • 5% ICU Cover
  • Individual & Family Floater

Arogya Sanjeevani Policy (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 1 L to 5 L
  • Waiting Period - 30 Days

Senior Citizen

A senior citizen plan that offers complete protection such as nursing at home, AYUSH cover, personal health coach, etc.

Unique Benefits

  • Avail up to 21% health returns
  • Second E-opinion
  • Worldwide Emergency Assistance

Super top-up

Activ Assure Diamond + Super Health Topup

A top-up plan offering medical coverage up to Rs. 1 cr. The plan also gives health and wellness discounts.

Unique Benefits

  • 586-day care procedures covered
  • No restriction on room rent
  • Road Ambulance coverage up to 5K

Activ Assure Diamond + Super Health Topup (Pros)

  • COVID-19 Cover
  • Home Treatment Cover
  • DayCare Treatment Covered
  • Affordable Premiums
  • OPD Consultations

Activ Assure Diamond + Super Health Topup (Cons)

  • Illness due to intoxicants
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Activ Assure Diamond + Super Health Topup (Other Benefits)

  • Air Ambulance
  • Wellness Benefits
  • Long Term Discounts
  • Domiciliary Hospitalization
  • Organ Donor Expenses

Activ Assure Diamond + Super Health Topup (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 65 Years
  • SI - 3 L to 1 Cr
  • Waiting Period - 30 Days

Cancer Plan

Specially designed plan to protect you against the rising costs of treatment at every stage of cancer – early, major and advanced.

Unique Benefits

  • Short survival period of 7 days
  • Early stages of cancer covered
  • Avail no claim bonus

Activ Secure- Cancer Secure (Pros)

  • Covers 3 Stages
  • 150% of SI
  • 10% of No Claim Bonus
  • High SI
  • Lump Sum Payout

Activ Secure- Cancer Secure (Cons)

  • Illness due to intoxicants
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Activ Secure- Cancer Secure (Other Benefits)

  • Wellness Coach
  • Second e-Opinion
  • Short Survival Period
  • Upto 1 Cr SI
  • Hospitalization Expense

Activ Secure- Cancer Secure (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 5 L to 1 Cr
  • Waiting Period - 30 Days

Accident Plan

The Plan is designed to protect individuals and families from all the contingencies (death and disabilities) that occur due to accidents.

Unique Benefits

  • Education benefits provided
  • Funeral expenses covered
  • Protection against income loss

Activ Secure Personal Accident (Pros)

  • Total & Partial Disability Cover
  • Accidental Death Cover
  • No Claim Bonus
  • Ambulance Cover
  • Education Benefit

Activ Secure Personal Accident (Cons)

  • Illness due to intoxicants
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Activ Secure Personal Accident (Other Benefits)

  • Income Cover
  • Loan Protect Cover
  • Orphan Benefit
  • Compassionate Visit
  • Coma Benefit

Activ Secure Personal Accident (Eligibility Criteria)

  • Entry Age - 5 Years
  • Max Entry Age - 65 Years
  • SI - 30 L
  • Waiting Period - 30 Days

Critical Plan

The plan is designed to provide financial protection against critical illnesses, & offers compensation against the loss of income arising out of critical illnesses.

Unique Benefits

  • Lump Sum payout on detection
  • 150% sum assured
  • Short survival period

Activ Secure Critical Illness Plan (Pros)

  • Cover up to 64 CI
  • 3 Plan Variants
  • High SI
  • Short Survival Period
  • Active Health App

Activ Secure Critical Illness Plan (Cons)

  • Illness due to intoxicants
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Activ Secure Critical Illness Plan (Other Benefits)

  • Wellness Coach
  • Second Medical Opinion
  • Cancer Cover
  • Kidney Failure Cover
  • Brain Tumor Cover

Activ Secure Critical Illness Plan (Eligibility Criteria)

  • Entry Age - 5 Years
  • Max Entry Age - 65 Years
  • SI - 1 L to 1 Cr
  • Waiting Period - 30 Days

Aditya Birla Activ Health Platinum Plan FAQs

1. Who can I purchase the Aditya Birla Activ Health Platinum plan for?

You can buy the Aditya Birla Activ Health Platinum plan for yourself and your spouse, as well as up to your 3 dependent children.

2. Are medical check-ups required for buying the Aditya Birla Activ Health Platinum plan?

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.

3. Are pre and post-hospitalization covers for AYUSH treatment under the Active Health plan?

No, pre and post-hospitalization expenses are not covered under AYUSH treatment.

4. Is there any grace period for the renewal of the Aditya Birla Activ Health Platinum plan?

Yes, there is a 30 day grace period for the renewal of the policy.

5. Is the home care treatment covered under the Aditya Birla Activ health Platinum Plan?

Yes, Domiciliary treatment is covered up to 100% of your selected Sum Insured.

Aditya Birla Activ Health Platinum Plan Review

Read what customers have to say ditya Birla Activ Health Medisure health insurance.

Customer Review Image

Mahesh Gill

Dehradun

March 15, 2024

As we have a long history of mental illness, I was looking for a senior citizen plan that covers mental illness treatment cost. The PolicyX team helped me purchase the Aditya Birla Activ Health...

Customer Review Image

Kartik Shehrawat

Vijayawada

March 14, 2024

Aditya Birla Health Insurance offered me the best renewal discounts at the time of policy renewal, a huge thanks to PolicyX for their useful guidance.

Customer Review Image

Shefali Shah

Pune

February 28, 2024

I was having trouble with the claim settlement process, but PolicyX stepped in and helped me settle my Aditya Birla Health Insurance claim ASAP.

Customer Review Image

Arti Sinha

Chennai

February 26, 2024

My search for the best health insurance ended with Aditya Birla Activ One Nxt health insurance suggested by PolicyX insurance experts. I am more than satisfied with the health plan

Customer Review Image

Ritu

Bhopal

February 16, 2024

PolicyX insurance experts helped me enjoy the full potential of my Aditya Birla Health Insurance plan by informing me of all the impressive wellness benefits provided by the insurer.

Customer Review Image

Nishtha Holkar

Mysore

February 16, 2024

I was looking for the best critical illness health insurance that can provide adequate coverage for cancer treatments. PolicyX insurance experts pointed me in the right direction with Aditya Bi...

Customer Review Image

Nishant Tanwar

Dehradun

February 16, 2024

PolicyX customer service answered all my queries regarding Aditya Birla Activ Health Platinum Enhanced patiently. I am very satisfied with my policy purchase.

Customer Review Image

Vivek

Hyderabad

February 14, 2024

When I was confused about opting for a separate senior citizen health plan or including my parents in a family floater health plan PolicyX helped me find the right fit with Aditya Birla Health ...

View All Aditya Birla Activ Health Platinum Plan Reviews