Aditya Birla Activ Health Platinum Plan - Policy Benefits and Review
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Activ Health Platinum

Aditya Birla Activ Health Platinum is a health insurance plan for indi ...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 · 2,713 reviews
🏥 12,900+ hospitals
📊 1.88 solvency ratio
✅ 96% claim settlement
Written by Simran saxena
Reviewed by Raj Kumar
Published: 16 Oct 2024
Updated: 27 Jul 2026
Expert Verified
IRDAI Licensed

Overview

Activ Health Platinum, a health product by Aditya Birla Health Insurance Company, is a health insurance plan designed to cater to the healthcare needs of individuals and their families 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. It offers a wide range of benefits, ensuring all your healthcare needs are met.

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.

Exclusions

  • Hospitalization due to war, riot, strike, and nuclear weapons
  • Intentional self-injury
  • AIDS
  • Miscarriage and abortion
  • Congenital disease
  • Infertility and In Vitro Fertilization
  • Specific ailments after 12 months
  • Pre-existing diseases after 12 months

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 and 25 years respectively, and have created the tables below:

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

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
Dependent child: 91 days onwards. Adult: 18 years onwards. No maximum entry 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

  • <ul> <li>Post-hospitalization physiotherapy</li> <li>Health coach benefit</li> <li>One premium waiver</li> <li>Health assessment</li> <li>Chronic management program</li> </ul>

Cons

  • <ul> <li>Illness due to intoxicants</li> <li>Gender change treatment</li> <li>Hazardous activity not covered</li> <li>HIV/AIDS not covered</li> <li>Cosmetic surgery</li> </ul>

What's covered

A quick look at what this plan covers — and what it doesn't.

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 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 →

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Entry Age: 91 days. Maximum Entry Age: 65 years. Sum Insured: 10 Lakhs to 2 Crores.

Frequently Asked Questions

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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