Activ Health Platinum
Activ Health Platinum, provides customized coverage to the insured. It also rewards the insured for keeping in good health. The plan comes in three variants- Essential, Premiere, and the Aditya Birla Activ Health Platinum Enhanced Plan.
Let's explore more about the plan:
Eligibility Criteria of Activ Health Platinum
| Parameters | Essential | Enhanced | Premiere |
| Entry Age | 91 Days to No Age Limit |
| Sum Insured Options | Rs. 50,000 - Rs. 1 Crore | Rs. 2 Lakhs - Rs. 2 Crores | Rs. 10 Lakhs- Rs. 2 Crore |
| Relations Covered | Self, legally wedded spouse, and 3 dependant children. |
**Last Updated on March, 2022
Key Features of Aditya Birla Platinum:
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Wellness Coach
Under this plan, one can avail of personal wellness coaching from qualified coaches.
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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.
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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 a fever to a surgery bill payment (which is not covered under the policy due to waiting period).
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Activ Health App
The app can help you track your fitness journey and also keep you active and healthy.
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Health Check-ups
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.
Sample Premium Illustration of Activ Health Platinum
To understand the premium amount payable of all the three variants of Activ Health Platinum, we at PolicyX.com, have tentatively calculated the premium amounts of all the variants for a couple aged 30 & 25 years respectively, and have created the below tables and graphs.
Let's' have a look at this plan by Aditya Birla Health Insurance Company:
Aditya Birla Activ Health Platinum Enhanced Plan
| Enhanced |
| Policy Term | 10 Lakhs | 25 Lakhs | 50 Lakhs |
| 1 years | 13,690 | 21,922 | 31,236 |
| 2 years | 25,394 | 38,804 | 57,866 |
| 3 years | 37,199 | 56,889 | 84,568 |
**Last Updated on March, 2022
Premium Amount payable under Aditya Birla Activ Health Platinum Enhanced Plan
For Activ Health Platinum Essential Plan
| Essential |
| Policy Term | 10 Lakhs | 25 Lakhs | 50 Lakhs |
| 1 years | 10,116 | 14,392 | 22,044 |
| 2 years | 18,752 | 26,627 | 40,790 |
| 3 years | 27,421 | 38,967 | 59,713 |
**Last Updated on March, 2022
Premium Amount payable under Activ Health Platinum Essential Plan
For Activ Health Platinum Premiere Plan
| Premiere |
| Policy Term | 10 Lakhs | 25 Lakhs | 50 Lakhs |
| 1 years | 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 |
**Last Updated on March, 2022
Premium Amount payable under Activ Health Platinum Premiere Plan
Aditya Birla Health Insurance Network Hospital List
Aditya Birla Life Insurance Network Hospitals are present nationwide. With a wide network of over 8787 cashless hospitals, Aditya Birla Life Insurance ensures that you are medically secured, irrespective of the city you reside in.
What Is Covered Under Activ Health Platinum?
| Parameters | Plan Variants |
| Essential | Enhanced | Premiere |
| In Patient Hospitalization | Room Type
Room Options up to S.I. - 3 L
1. Shared Room
2. Single Private A/C Room | Room Type
Room Options up to S.I. - 3 L
1. Shared Room
2. Single Private A/C Room | Up to SI for all options |
Room Options S.I. 4L and above
1. Shared Room
2. Single Private A/C Room
3. Any room | Room Options S.I. 4L and above
1. Shared Room
2. Single Private A/C Room
3. Any room | Up to SI for all options |
| ICU Charges up to SI | ICU Charges up to SI | ICU Charges up to SI |
| Pre-Hospitalization Expenses | Available, up to 30 days | Available, up to 60 days | Available, up to 60 days |
| Post-Hospitalization Expenses | Available, up to 60 days | Available, up to 180 days | Available, up to 180 days |
| Day Care Treatment | ✓ | ✓ | ✓ |
| Domiciliary Hospitalization | ✓ | ✓ | ✓ |
| Road Ambulance Cover | ✓ | ✓ | ✓ |
| Mental Illness Hospitalization | Rs. 50,000 (up to SI of Rs. 4 Lakhs)
Rs.1,00,000 (upto SI of Rs. 5 Lakhs & Above) | ✓ | ✓ |
| AYUSH Cover | ✓ | ✓ | ✓ |
| Obesity Treatment | ✓ | ✓ | ✓ |
| Modern Treatment | Available for listed procedures | Available for listed procedures | Available for listed procedures |
| Dental Consultation & Investigations | x | Available for Sum Insured 15 lakhs and above | ✓ |
| Post Hospitalization- Physiotherapy Cover | x | x | ✓ |
| Premium Waiver | x | Available for 1 policy year | Available for 1 policy year |
| Mandatory Co-payment | 20% | Not Applicable | Not Applicable |
| Organ Donor Expenses | x | ✓ | ✓ |
| Reload of Sum Insured | x | Available (up to 100 % SI) | x |
| Super Reload | x | x | 100% reload available |
| Health Check-up Program | Available, once in a policy year | Available, once in a policy year | Available, once in a policy year |
| Second e-opinion for major illnesses | ✓ | ✓ | ✓ |
| Recovery Benefit | x | 1% of Sum Insured | x |
| Waiting Period |
| Initial Waiting Period | 30 days (not applicable in case of an accident) |
| For Specified Disease or Procedure | 24 Months |
| For Pre-Existing Disease | 36 Months |
**Last Updated on March, 2022
What is Not Covered in Aditya Birla Activ Health Platinum Plan?
The following are the exclusions of the Aditya Birla Activ Health Platinum Plan:
- 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.
How To Buy Aditya Birla Activ Health Platinum Plan?
Buying Aditya Birla Activ Health Platinum Plan online is an easy and hassle-free process. Just follow the below process and buy your policy today:
Step 1: Visit the official website of Aditya Birla Activ Health.
Step 2: From the top menu bar, click on the products, and then select the Activ Health Platinum from the drop-down menu.
Step 3: Click on the variant you want to choose.
Step 4: Go to the 'Quick Quote' option, and fill up your details in it.
Step 5: Once done, the next page will show you all the details related to the premium you need to pay. You can choose the policy term, sum insured, and can also add other family members.
Step 6: Click on the 'Buy Now' option, and pay the premium online. Your policy details will be shared at your registered email address.
How To Renew an Aditya Birla Health Insurance Policy?
- Visit the official website of Aditya Birla Health Insurance. On the top right, click on the 'Renew' option.
- From the drop-down menu, select 'Quick Renew'.
- On the next page, fill up your policy number, prosper's date of birth or mobile number.
- Click on the 'Abhi Karo'
- Pay the premium online, and your Aditya Birla health insurance renewal details will be mailed to your registered email address.
I bought an insurance plan to safeguard the future of my child and I am satisfied with the plan as it was customized according to my needs.