Aditya Birla Activ Health Platinum Premiere Plan - Buy Now
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Aditya Birla Activ Health Platinum Premiere

The Activ Health Platinum Premiere plan is one of the variants of the ...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 · 2,707 reviews
🏥 12,900+ hospitals
📊 1.88 solvency ratio
✅ 96% claim settlement

About Aditya Birla Activ Health Platinum Premiere

A quick read on what this Aditya Birla Health Insurance plan covers and why it might be a fit for you.

The Activ Health Platinum Premiere plan is a variant of the Aditya Birla Activ Health insurance plan. It safeguards you from health emergencies and encourages you to maintain holistic health. It offers exclusive benefits like HealthReturns™, organ donor expenses, a second opinion for listed critical illnesses, physiotherapy after hospitalization for speedy recovery, a chronic issues management program, coverage for treatment against COVID-19, and much more.

The Super Reload benefit of this plan allows you to get continued coverage for your health and wellness needs if the sum insured is not enough to cover medical expenses. The Aditya Birla Activ Health Platinum Premiere policy has a lot more to offer; read further to know more.

Plan at a glance

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

Entry age
5 years
Plan type
Individual and Family Health Insurance
Sum insured options
₹10 L, ₹20 L, ₹40 L, ₹60 L, ₹80 L, ₹1 L, ₹2 L
Waiting period
30 days
Renewability
Lifelong
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

  • Annual health check-up
  • Pre-hospitalization cover
  • Post-hospitalization cover
  • Daycare procedure

Cons

  • Obesity/ weight control
  • Change of gender treatments
  • Hazardous or adventure sports. Maternity (basic cover)
  • IVF/sterility treatment

What's covered

Every CMS-driven coverage flag from the plan wording — only items with a published value render below.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Covered
  • Day-care treatment Covered
  • OPD charges Covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Covered
  • Daily hospital cash Covered

Family & special care

  • Maternity cover Covered
  • New-born baby cover Covered
  • IVF treatment Not covered
  • AYUSH treatment Covered
  • Organ donor expenses Covered

Modern & preventive care

  • Modern treatment Covered
  • Road ambulance Covered
  • Air ambulance Covered
  • E-consultation Covered
  • Health check-up Covered
  • Second medical opinion Covered
  • Vaccination Covered

Conditions & global

  • Co-payment Covered
  • Sub-limits Covered
  • Compassionate travel Covered
  • Global coverage Covered

Benefits of Buying Aditya Birla Activ Health Platinum Premiere Plan

What can you get from this plan? Read further to learn more about the benefits of the Activ Health Platinum Premiere policy:

  • Up to 100% premium as HealthReturns™

    If you are concerned about getting all healthcare facilitation without paying any premium, stay healthy. This will help you get back up to 100% of your paid premium.

  • Expert health coach

    You get expert coaching to maintain your holistic health, including fitness, nutritional, homeopathy consultations, mental, and medical guidance.

  • Post-hospitalization physiotherapy

    To speed up recovery after treatment for a health issue, policyholders can also avail of physiotherapy sessions after discharge.

  • Mental illness hospitalization cover

    Listed mental illnesses mentioned in policy documents are covered for pre and post-hospitalization treatment.

  • Cover for dental consultations

    There's a cashless cover benefit for dental consultation or investigation. You need to check the criteria of coverage in the policy wording.

  • Tax benefits

    All premiums paid towards the Aditya Birla Activ Health Platinum Premiere plan are eligible for tax benefits under Section 80D of the Income Tax Act 1961.

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 →

Inclusions & exclusions

What the plan pays for, and what it doesn't.

Exclusions

  • Permanent diseases or health conditions that are not included under Activ Health Platinum Premiere Policy are:
  • Hazardous or Adventure sports
  • Breach of law
  • Excluded Providers
  • Treatment for alcoholism, drug or substance abuse
  • 30-day waiting period for cover benefits (except accidental mishaps)
  • Refractive Error
  • Unproven Treatments
  • Sterility and Infertility
  • Pre-existing Diseases
  • Specified disease/procedure waiting period
  • Maternity expenses
  • Investigation & Evaluation
  • Rest cure, rehabilitation and respite care
  • Obesity/Weight Control
  • Change-of-gender treatments
  • Cosmetic or plastic surgery

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Entry Age: - 91 days
  • Max Entry Age: - 65 Years
  • SI: - 10 L - 2 Cr
  • Waiting Period: - 30 Days

Other features & benefits

Long Story Short

Aditya Birla Health Insurance Company is known for its trusted customer care services, a wide network of hospitals to avail cashless hospitalization, and a good claim settlement ratio for incurred claims.

The Aditya Birla Activ Health Platinum Premiere plan is specially curated for those who want a health plan that's more than just insurance. From domestic to international emergency services, mental illness hospitalization care, post-treatment physiotherapy coverage, to major critical illness treatment cover, you get it all in just one plan.

To know more about the coverage benefits of this plan, reach out to the health insurance experts of PolicyX at 18004200269.

Activ Health Platinum Premiere: FAQs

The 6 most-asked questions about Aditya Birla Activ Health Platinum Premiere, answered.

Yes. Additionally, it covers pre-hospitalization (60 days) and post-hospitalization (180 days).
You can avail of one premium waiver for 18 illnesses mentioned in the policy documents.
The policyholders can receive an annual health check-up with this plan.
Maternity care is not available but this plan has optional cover for maternity expenses like childbirth, pre and postpartum care, etc.
It offers in-patient and day care cover, unlimited sum insured reload, annual health check-ups, chronic disease management, HealthReturns™ rewards, and coverage for AYUSH, mental illness, and international treatment.
Yes, pre-existing diseases are covered after a waiting period of 3 years, as per policy terms and conditions.

Explore Aditya Birla Health Insurance

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Anshika Ojha — Health Insurance Reviewed by Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 31 Jan 2025 · Originally published: 31 Jan 2025

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