Network hospitals
11000+
Incurred claim ratio
64.68%
Sum insured
Up to 2 Cr
No. of Plans
1
Solvency Ratio
2.3
Pan India Presence
4800+
Activ Health Platinum, a health product by Aditya Birla Health Insurance Company is a 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.
To understand Activ Health Platinum Insurance in detail, take a look at the below table:
91 days – Dependent child 18 years – Adult, No maximum age
Individual and Family Health Insurance
2 L | 5 L | 10 L | 15 L | 50 L | 100 L | 1.5 Cr | 2 Cr.
30 days Days
NA
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.
Read more specifications in the brochure.
With wide coverage options available, Activ Health Platinum Insurance Plan allows you to choose your ideal coverage as per your family’s health requirements. Take a look at the coverage under every SI option available and choose your ideal coverage:
Room Rent
Covered
ICU Charges
Covered
Pre-Hospitalization
Covered
Post-Hospitalization
Covered
Domiciliary Hospitalization
Covered
Daycare Treatment
Covered
OPD Charges
Not Covered
COVID-19 Treatment
Covered
Cataract
Covered
No Claim Bonus
Covered
Automatic Restoration
Not Covered
Daily Hospital Cash
Not Covered
Organ Donor
Not Covered
Maternity Cover
Not Covered
New Born Baby Cover
Not Covered
AYUSH Treatment
Covered
IVF Treatment
Not Covered
Modern Treatment
Covered
Ambulance
Covered
Air Ambulance
Covered
Compassionate Travel
Not Covered
Global Coverage
Not Covered
E-Consultation
Not Covered
Health Check-Up
Covered
Second Medical Opinion
Covered
Vaccination
Not Covered
Co-payment
Covered
Sub-limits
Not Covered
The room rent limit is the maximum bed charge you can claim if you are hospitalised. Common Room categories covered under room rent are all kinds of rooms including single, private and AC rooms (except suite).
It is a special hospital department where patients with serious medical conditions are treated.
Medical expenses incurred before hospitalisation of the policyholder.
Medical expenses incurred after the discharge of the policyholder from the hospital.
Domiciliary hospitalization or home care treatments are the arrangements for an insured individual due to the unavailability of medical amenities in hospitals, or in a case where an insured member can not be admitted to the hospital due to an inability. The treatment should last equal to or more than 72 hours to get financial coverage.
Treatments that can be completed within 24 hours of hospitalization like blood dialysis, cataracts, etc.
Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization. .
It includes the treatment cost for COVID-19 with a confirmative diagnosis from a government-approved centre.
A common eye condition in which your vision gets blurred due to cloudy formation in your eyes.
For every claim-free year, insurance companies reward policyholders with an increase in the sum insured amount as a no-claim bonus or cumulative bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage varying from one plan to the other.
It is a benefit in which an insurance company restores the amount of sum insured completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from one plan to the other.
Daily hospital cash or Hospicash is a cash amount that you receive each day during the time of hospitalization to cover your non-medical expenses.
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body. In most of the cases, the insurer pays for the hospitalization and transplant expenses for both the parties i.e. the donor and the receiver.
It refers to the cover that includes expenses for normal and c-section deliveries.
It takes care of the medical expenses that arise due to the hospitalisation of the newborn baby in case of any childbirth complications, medical challenges, and so on. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are settled or reimbursed for:
Medical treatments that demand the use of modern technology and advanced machinery such as robotic surgeries, stem cell therapy, etc.
An ambulance is used to move the patient from home to the hospital, transfer them to another hospital, and take them for different tests outside the hospital.
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Refers to the travelling expenses of a family member who’s visiting the hospital to look after the patient when the policyholder gets admitted to a hospital outside his/her residential city.
Any kind of medical/health emergency when you are outside of India is covered for hospitalization expenses, modern and specific treatments, etc.
If a policy offers e-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
A facility where the policyholder can avail of free health check-ups after fulfilling the company's eligibility criteria. In most cases, the insured member/s gets an annual health check-up cover.
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 against the expenses incurred on vaccinations of either the newborn baby, for an animal bite, etc is provided by the insurance companies.
In the co-payment clause, policyholders have to pay a preset amount (either compulsorily or voluntarily) of the hospitalisation expense on their own and the insurer will pay the rest of the medical bill amount.
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. For instance, if your policy covers room rent for upto 20% of the sum insured, but the expense of the same is more than 25%, you will have to pay the rest amount, i.e. 5%, for your room rent.
Aditya Birla Activ Health Platinum Plan
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.
To understand the premium amount payable to 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:
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 |
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 |
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 |
Permanent diseases or health conditions that are not included under Aditya Birla Activ Health Platinum Plan are:
Hospitalization out of war, riot, strike, and nuclear weapons
Intentional self-injury
AIDS
Miscarriage, and abortion
Congenital disease
Infertility and in vitro fertilization
Certain diseases and treatments are covered under this plan after a certain time period. Read the details below:
Listed ailments after 12 Months
Pre-existing diseases after 12 Months
To cater to the different medical needs of an individual & their family, Aditya Birla Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to Aditya Birla Health Insurance plans explore more:
Critical Illness Health Insurance
Aditya Birla Cancer Secure health plan is a health insurance plan designed specifically for cancer patients protecting them financially from all three...
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Accident Health Insurance
Aditya Birla Activ Secure Personal Accident Plan is designed to protect you and your family in case of any unforeseen incident. Activ secure personal ...
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Individual and Family Health Insurance
Aditya Birla Platinum Enhanced Plan offers unique healthcare benefits to insured individuals such as health insurance protection with wellness benefit...
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Individual and Family Health Insurance
Aditya Birla Activ Fit Plan is designed to provide quality medical coverage to young individuals. The plan not only provides medical coverage but als...
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Critical Illness Health Insurance
Aditya Birla Activ Secure Critical Illness Plan is designed to cover your financial losses due to any treatment for critical illness. The plan has wid...
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Senior Citizen Health Insurance
Growing old comes with several complications related to our health, at times. It's so natural that nobody could deny accepting the complications and s...
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Individual and Family Health Insurance
Aditya Birla Activ One Plan comprises features such as: Health returns Health assessment Daycare treatments No capping on hospitalization expenses Me...
Unique Features
Individual and Family Health Insurance
Raho Fit to Get Benefits! Ye hai #FitnesskaUltimateInfluencer You can earn with the Aditya Birla Activ Fit Plus plan and become wealthy! YES, you hear...
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Individual and Family Health Insurance
Activ Health Platinum, a health product by Aditya Birla Health Insurance Company is a health insurance plan designed to look after the healthcare need...
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Aditya Birla Activ Health Platinum Essential Plan is your best friend if you are looking for a health insurance cover that protects you against chroni...
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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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Naval Goel is the Founder and CEO of PolicyX.com (IRDA- Approved Insurance Comparison Website). He is a CFA charter holder (USA) and FRM (GARP). He holds an MBA from IIFT, Delhi, and is also an Associate from the Insurance Institute of India. Naval is an avid investor and entrepreneur who has a deep understanding of the Indian equity market and insurance sector. He has been investing for more than 10 years now and is a CFA charter holder.
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February 5, 2023
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