Network hospitals
10500+
Claim settlement ratio
99.41%
Sum insured
2 CR
No. of Plans
11
Solvency Ratio
1.9
Pan India Presence
2300+
PolicyX.com is a Recognised Aditya Birla Partner View Certificate
Network hospitals
10500+
Claim settlement ratio
99.41%
Sum insured
2 CR
No. of Plans
11
Solvency Ratio
1.9
Pan India Presence
2300+
PolicyX.com is a Recognised Aditya Birla Partner View Certificate
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
Minimum: Children- 91 days to 5 years Adult: 5 years
Maximum: No age bar
1/2/3 years
Individual/ Family Floater
50K to 2 Cr
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.
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
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
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
AYUSH Treatment
Covered
IVF Treatment
Not Available
Modern Treatment
Covered
Ambulance
Covered
Air Ambulance
Covered
Compassionate Travel
Not Available
Global Coverage
Not Available
E-Consultation
Not Available
Health Check-Up
Available
Second Medical Opinion
Covered
Vaccination
Not Covered
Co-payment
20% applicable
Sub-limits
Not Available
Coverage for SI: Rs. 2 Lakhs - Rs. 2 Crores
Room Rent
Covered
ICU Charges
Covered up to SI
Pre-Hospitalization
Covered up to 60 days
Post-Hospitalization
Covered up to 180 days
Domiciliary Hospitalization
Covered
Daycare Treatment
Covered
OPD Charges
Not Covered
COVID-19 Treatment
Covered
Cataract
Not Covered
No Claim Bonus
Available
Automatic Restoration
Available
Daily Hospital Cash
Not Available
Organ Donor
Covered
Maternity Cover
Not Available
New Born Baby Cover
Not Available
AYUSH Treatment
Covered
IVF Treatment
Not Available
Modern Treatment
Covered
Ambulance
Covered
Air Ambulance
Covered
Compassionate Travel
Not Available
Global Coverage
Not Available
E-Consultation
Not Available
Health Check-Up
Available
Second Medical Opinion
Covered
Vaccination
Not Covered
Co-payment
Not Available
Sub-limits
Not Available
Coverage for SI: Rs. 10 Lakhs- Rs. 2 Crore
Room Rent
Covered up to SI
ICU Charges
Covered up to SI
Pre-Hospitalization
Covered up to 60 days
Post-Hospitalization
Covered up to 180 days
Domiciliary Hospitalization
Covered
Daycare Treatment
Covered
OPD Charges
Not Covered
COVID-19 Treatment
Covered
Cataract
Not Covered
No Claim Bonus
Available
Automatic Restoration
Not Available
Daily Hospital Cash
Not Available
Organ Donor
Covered
Maternity Cover
Not Available
New Born Baby Cover
Not Available
AYUSH Treatment
Covered
IVF Treatment
Not Available
Modern Treatment
Covered
Ambulance
Covered
Air Ambulance
Covered
Compassionate Travel
Not Available
Global Coverage
Not Available
E-Consultation
Not Available
Health Check-Up
Available
Second Medical Opinion
Covered
Vaccination
Not Covered
Co-payment
Not Available
Sub-limits
Not Available
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:
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 |
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.
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 |
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 |
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.
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.
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.
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.
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.
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) |
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 |
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.
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
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
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:
Coverage status under Aditya Birla Activ Health Platinum Plan?
Not covered
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.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:
Coverage status under Aditya Birla Activ Health Platinum Plan?
Not available
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 |
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 |
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).
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
Any kind of medical/health emergency when you are outside of India.
Coverage status under Aditya Birla Activ Health Platinum Plan?
Not available
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.
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.
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.
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.
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.
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
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.
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
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:
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 |
Earn rewards by staying fit
Coverage for Chronic Diseases
Avail Long-Term Discounts
Track your health with an app
Get tax relief under section 80D
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).
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.
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.
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.
Amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.
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
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
Standard
A standard health insurance policy, wherein you can choose coverage of up to Rs.1 lac to Rs.5 lacs.
Unique Benefits
Senior Citizen
A senior citizen plan that offers complete protection such as nursing at home, AYUSH cover, personal health coach, etc.
Unique Benefits
Super top-up
A top-up plan offering medical coverage up to Rs. 1 cr. The plan also gives health and wellness discounts.
Unique Benefits
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
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
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
See More Health Insurance Articles
See More Health Insurance Articles
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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Goa
October 4, 2023
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Kolkata
October 4, 2023
Aditya Birla Health Insurance s comprehensive coverage is worth every penny. Policyx.com made the buying process easy.
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Bhopal
October 4, 2023
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Agra
October 4, 2023
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Jalandhar
October 4, 2023
Aditya Birla Health Insurance s team is responsive and caring. Policyx.com made the entire enrollment process stress-free.
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Agra
October 4, 2023
Aditya Birla Health Insurance s coverage for critical illnesses is extensive. Policyx.com made sure I was aware of all the benefits.
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Guwahati
October 4, 2023
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