Activ Health Platinum
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  • Key Features of the Plan
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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:

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?

EssentialEnhancedPremiere
Room Options up to S.I. - 3 LRoom Options up to S.I. - 3 LUp to SI for all options
Shared RoomShared RoomUp to SI for all options
Single Private A/C RoomSingle Private A/C RoomUp to SI for all options
Room Options S.I. 4L and aboveRoom Options S.I. 4L and aboveUp to SI for all options
Shared Room Shared RoomUp to SI for all options
Single Private A/C Room Single Private A/C RoomUp to SI for all options
Any roomAny roomUp 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?

EssentialEnhancedPremiere
Covered, up to 30 daysCovered, up to 60 daysCovered, 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?

EssentialEnhancedPremiere
Covered, up to 60 daysCovered, up to 180 daysCovered, 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?

EssentialEnhancedPremiere
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?

EssentialEnhancedPremiere
Not AvailableAvailable up to 100% of SINot 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?

EssentialEnhancedPremiere
Available for listed procedures, with 50% co-payment on Robotic surgeries.Available for listed proceduresAvailable 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?

EssentialEnhancedPremiere
Actuals in Network HospitalsActuals in Network HospitalsActuals in Network Hospitals
Rs, 2,000 in Non NetworkRs, 5,000 in Non NetworkRs, 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

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 Term10 Lakhs25 Lakhs50 Lakhs
1 year13,690 21,922 31,236
2 years25,394 38,804 57,866
3 years37,199 56,889 84,568

Essential Variant

Policy Term10 Lakhs25 Lakhs50 Lakhs
1 year10,116 14,392 22,044
2 years18,752 26,627 40,790
3 years27,421 38,967 59,713

Premiere Variant

Policy Term10 Lakhs25 Lakhs50 Lakhs
1 year54,198 62,031 73,889
2 years1,03,208 1,17,555 1,39,473
3 years1,51,831 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 Aditya Birla Health Insurance

Know more about Aditya Birla Health Insurance, its claim process, buying process, and contact details by clicking on the sections below:

Contact Us

Feel free to contact us Aditya Birla Health Insurance Company

Renewal Process

the renewal process of Aditya Birla Health Insurance Company

Premium Calculator

Click to know calculate Aditya Birla Health Insurance Premium.

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

Standard

Aditya Birla Arogya Sanjeevani

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

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

Aditya Birla 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

Cancer Plan

Aditya Birla Activ Secure- Cancer Secure

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

Accident Plan

Aditya Birla Activ Secure Personal 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

Critical Plan

Aditya Birla Activ Secure Critical Illness 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

Health Insurance Articles

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

Ayush Sharma

Nagpur

November 30, 2022

I bought policy for my family from policy x.com, The advisor is very knowledgable,he suggest me better comparisons of plan and helps me to purchase suitable one. The process was very smooth.

Customer Review Image

Salman khan

Delhi

September 2, 2022

Pls Do Your Health Insurance I would Love to Suggest You Health Insurance im glad to have aditya birla Health insurance ❣️

Customer Review Image

Gurjeet Singh

Gurgaon

May 26, 2022

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.

Customer Review Image

Riya

Bengaluru

February 21, 2022

ABRL is a good company for health insurance. I took senior citizen plan for my parents and happy that they are always there to help my old parents and their problems

Customer Review Image

mihir jani

Gandhinagar

February 17, 2022

I made claim for my husband s hand surgery from aditya birla health insurance. I live alone with my husband and got nobody to help but aditya birla helped me in the entire procedure and cashles...

Customer Review Image

Dilpreet Singh

Pune

October 19, 2021

very vast range of plans! the premiums are decent for anybody s budget. I would 1000% recommend the comapny

Customer Review Image

Kinshuk

Hyderabad

October 18, 2021

It has been an absolute pleasure associating with policyx for my health insurance. They have been very helpful in my decision.

Customer Review Image

Aditya Narayan

Delhi

October 13, 2021

happy with how my claims were settled...i went to a network clinic and so did not have to pay a single penny

View All Aditya Birla Activ Health Platinum Plan Reviews