Activ Health Platinum Essential

Aditya Birla Activ Health Platinum Essential Plan is your best friend if you are looking for a health insurance cover that protects you against chronic illnesses, provides hospitalization benefits, and a high sum insured. A health plan that goes beyond hospitalization coverage. Activ Health Platinum Essential offers coverage against:

4 chronic conditions - Asthma, High Blood Pressure, High Cholesterol, and Diabetes (Type 1 and Type 2) from day 1.
Get an automatic upgrade to the Chronic Management Program if you develop a chronic condition after buying the policy.
Get covered for doctor consultations and diagnostic tests for up to a defined limit in the policy schedule.
Hospitalization expenses including COVID-19 and daycare procedures.

The plan is available as an individual and family health insurance plan and provides multiple health benefits such as wellness coach, annual health check-ups and more.

Activ Health Platinum Essential Specifications

To understand Activ Health Platinum Essential Insurance in detail, take a look at the below table:

Entry Age

Minimum- 91 days, Maximum- No limit

Policy Type

Individual and Family Health Insurance

Sum Insured

50K | 70K | 1L | 5L | 10L

Initial Waiting Period*

30 days 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.

Choose Your Activ Health Platinum Essential

With wide coverage options available, Activ Health Platinum Essential 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:

In-patient & Out-patient coverage

Room Rent

Covered

ICU Charges

Covered

Pre-Hospitalization

Covered

Post-Hospitalization

Covered

Domiciliary Hospitalization

Covered

Daycare Treatment

Covered

OPD Charges

Not Covered

Coverage Terms

COVID-19 Treatment

Covered

Cataract

Covered

No Claim Bonus

Covered

Automatic Restoration

Not Covered

Daily Hospital Cash

Covered

Organ Donor

Not Covered

Maternity Cover

Covered

New Born Baby Cover

Covered

Alternative Treatments

AYUSH Treatment

Covered

IVF Treatment

Not Covered

Modern Treatment

Covered

Emergency Coverage

Ambulance

Covered

Air Ambulance

Not Covered

Compassionate Travel

Not Covered

Global Coverage

Not Covered

Wellness Programmes

E-Consultation

Not Covered

Health Check-Up

Covered

Second Medical Opinion

Covered

Vaccination

Covered

Limitations

Co-payment

Covered

Sub-limits

Not Covered

Benefits of Aditya Birla Activ Health Platinum Essential

Activ health Platinum Essential offers a multitude of benefits to the insurance holders that are mentioned below:

Cover provided from day one
Insurance holders can avail of instant coverage without any waiting period under a chronic management program for conditions such as high blood pressure, diabetes type 1 and type 2, high cholesterol, and asthma. This feature enables individuals to secure their health without having to wait to avail of services for their health.
Earn Health Return Points
Insurance holders can avail of health return points by staying active allowing insurance holders to earn up to 50% premium. The feature motivates insurance holders to be active and take essential steps to improve their overall health consistently.
Expert Wellness Coaches
Under the plan, individuals may consult an expert wellness coach that will provide them with guidance toward a better quality of life by providing them with fitness tips, healthy diet plans, and many more such features.
Cover for Mental Illness
The plan covers medical expenses incurred up to the specified limit mentioned in the policy schedule during the hospitalization of an individual due to any mental illness. However, the plan does not cover any condition which is not clinically significant or is related to anxiety, bereavement, relationship or academic problems, acculturation difficulties, or work pressure.
Tax Benefits
Aditya Birla Activ Health Platinum Essential is eligible for tax benefits under section 80D as per 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 Hospital

What is covered under Aditya Birla Activ Health Platinum Essential Plan?

The plan provides coverage to its customers for the following specifications mentioned below:

In-patient hospitalisation

Out-patient hospitalisation

Daycare procedures

Domiciliary or home care treatment

Room rent

ICU charges

OT charges

Doctor’s visit

Annual/preventive health check-up

What is Not Covered Under Aditya Birla Activ Health Platinum Essential Plan

The plan has certain exclusions that are mentioned below in further details:

Cosmetic/ beautification treatment

HIV/AIDS, and STD conditions

Attempt to suicide or self-threat

Diagnostic tests (except, those specified in your policy document)

War injuries, participation in riots/war-like situations, etc

Hearing aids (unless specified in your policy documents)

Vision treatment, dental care, physiotherapy, etc (except, conditions mentioned in the policy)

How to Claim Aditya Birla Activ Health Platinum Essential Health Insurance

Learn here the steps of claiming your Aditya Birla Activ Health Platinum Essential:

Step 1: Claim Intimation
Inform your TPA of Aditya Birla health insurance if you have a planned hospitalisation condition. However, in case of an emergency hospitalisation, you must inform the insurer within 24 hours of getting hospitalized.
Step 2: Document Submission
Submit the carefully filled and undersigned claim form along with the policy documents and other details like medical reports, doctor’s prescriptions, hospital bills, discharge summary (in case of reimbursement) and others.
Step 3: Approval upon Verification
If all the details sent by you are found correct and align with the policy coverage, the insurer will initiate the claim settlement procedure to verify the authenticity of your claim.
Step 4: Cashless or Reimbursement Settlement
If you have received the treatment at a network hospital, the insurer will settle all the medical bills with the hospital directly. In the case of getting treatment in a non-networking hospital, your insurer will reimburse your medical bills as per the terms of the policy.

In A Nutshell

Aditya Birla Activ Health Platinum Essential Plan provides protection to its customers from day 1 against personal accidents and other chronic illnesses. It is an individual and family floater plan with affordable premiums and a plethora of features along with affordable premium prices. It is an apt choice for those suffering from diabetes, hyper tension and other chronic diseases.

Explore other Aditya Birla Health Insurance

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 Health Plan

Aditya Birla Cancer Secure health plan is a health insurance plan designed specifically for cancer patients protecting them financially from all three...

Unique Features

Upto 1 Cr SI
Minimum Survival Period
All Cancer Stages Covered

Aditya Birla Cancer Health Plan (Pros)

Covers 3 stages
150% of SI
10% of no claim bonus
High SI
Lump sum payout

Aditya Birla Cancer Health Plan (Cons)

Illness due to intoxicants
Obesity treatment unavailable
Hazardous activity not covered
HIV/AIDS not covered
Cosmetic surgery unavailable

Aditya Birla Cancer Health Plan (Other Benefits)

Wellness coach
Second e-opinion
Short survival period
Upto 1 Cr SI
Hospitalization Expense

Aditya Birla Cancer Health Plan (Eligibility Criteria)

Entry Age- 18 Years
Max Entry Age- 65 Years
SI- 5L to 1 Cr
Waiting Period- 90 days

Accident Health Insurance

Aditya Birla Personal Accident Plan

Aditya Birla Activ Secure Personal Accident Plan is designed to protect you and your family in case of any unforeseen incident. Activ secure personal ...

Unique Features

Up to 20 Cr SI
11 Optional Covers
Avail Wellness Benefit

Aditya Birla Personal Accident Plan (Pros)

Total and partial disability cover
Accidental death cover
No claim bonus
Ambulance cover
Education benefit

Aditya Birla Personal Accident Plan (Cons)

Illness due to intoxicants
Obesity treatment unavailable
Hazardous activity not covered
Cosmetic surgery unavailable

Aditya Birla Personal Accident Plan (Other Benefits)

Income cover
Loan protect cover
Orphan benefits
Compassionate visit
Coma benefit

Aditya Birla Personal Accident Plan (Eligibility Criteria)

Entry age- 5 years
Max entry age- 65 years
SI- 30L
Waiting period- 30 days

Individual and Family Health Insurance

Aditya Birla Activ Health Platinum Enhance

Aditya Birla Platinum Enhanced Plan offers unique healthcare benefits to insured individuals such as health insurance protection with wellness benefit...

Unique Features

Critical Illness Cover
Health Coach
SI Up to 2 Crores

Aditya Birla Activ Health Platinum Enhance (Pros)

Earn 100% health returns
Cover for dental consultations
Modern treatment cover
Wellness coach
Mental illness cover

Aditya Birla Activ Health Platinum Enhance (Cons)

Illness due to intoxicants
Change of gender treatment
Hazardous activity not covered
HIV/AIDS not covered
Cosmetic surgery unavailable

Aditya Birla Activ Health Platinum Enhance (Other Benefits)

Chronic management program
Premium waiver benefit
Reload of SI
Road ambulance cover
Second e-opinion

Aditya Birla Activ Health Platinum Enhance (Eligibility Criteria)

Entry age- 90 days
Max entry age- 45
SI- 1L to 1 Cr
Waiting period- 30 days

Individual and Family Health Insurance

Aditya Birla Activ Fit Health Plan

Aditya Birla Activ Fit Plan is designed to provide quality medical coverage to young individuals. The plan not only provides medical coverage but als...

Unique Features

Health Rewards
Avail Multiple Discounts
Optional Covers Available

Aditya Birla Activ Fit Health Plan (Pros)

Provides health reward for keeping yourself healthy
gives optional benefits
Get maternity expense benefits

Aditya Birla Activ Fit Health Plan (Cons)

Does not cover air ambulance
No coverage for global treatment

Aditya Birla Activ Fit Health Plan (Other Benefits)

Health Rewards
Avail Multiple Discounts
Optional Covers Available

Aditya Birla Activ Fit Health Plan (Eligibility Criteria)

Entry Age - 18
Maximum Entry Age - 65
SI -4-25 Lakh
Waiting Period - 30 days

Critical Illness Health Insurance

Aditya Birla Activ Secure Critical Illness Plan

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...

Unique Features

64 Critical Illnesses Covered
Replace Loss of Income
Short Survival Period

Aditya Birla Activ Secure Critical Illness Plan (Pros)

64 Critical Illnesses Covered Replace
Loss of Income
Short Survival Period

Aditya Birla Activ Secure Critical Illness Plan (Cons)

Does not cover maternity
Does not cover any congenital illness
Does not cover any evaluation purposes

Aditya Birla Activ Secure Critical Illness Plan (Other Benefits)

The sum insured of this plan is of up to 1 Crore
  It comes in three different variants - Plans 1/ 2/ & 3 with specific coverage options.

Aditya Birla Activ Secure Critical Illness Plan (Eligibility Criteria)

Min- 5 years
Max- 65 years

Senior Citizen Health Insurance

Aditya Birla Activ Care Classic Plan

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...

Unique Features

360 degrees support to seniors
Cashless home treatment
586 category of daycare procedures

Aditya Birla Activ Care Classic Plan (Pros)

360 degrees support to seniors
Cashless home treatment
586 category of daycare procedures

Aditya Birla Activ Care Classic Plan (Cons)

Does not cover modern treatments
Vaccinations not covered
Compassionate travel not covered

Aditya Birla Activ Care Classic Plan (Other Benefits)

Tax benefits
Advanced health check-up
Optional room upgrade facility

Aditya Birla Activ Care Classic Plan (Eligibility Criteria)

Min- 55 years
Max- 80

Individual and Family Health Insurance

Aditya Birla Activ One

Aditya Birla Activ One Plan comprises features such as: Health returns Health assessment Daycare treatments No capping on hospitalization expenses Me...

Unique Features

Health Rewards
Avail Multiple Discounts
Optional Covers Available

Aditya Birla Activ One (Pros)

Chronic illness covered
double coverage

Aditya Birla Activ One (Cons)

Daily hospital cash not covered
OPD charges not covered
Maternity not covered

Aditya Birla Activ One (Other Benefits)

Initial waiting period 30 years

Aditya Birla Activ One (Eligibility Criteria)

Individual and Family Health Insurance

Aditya Birla Activ Fit Plus Plan

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...

Unique Features

Stay fit & get rewarded
Travel protection cover
Unlimited SI refill

Aditya Birla Activ Fit Plus Plan (Pros)

Pre-hospitalization cover
Post-hospitalization cover
Modern treatment cover
Organ donor cover

Aditya Birla Activ Fit Plus Plan (Cons)

Obesity/ weight control
Change of gender treatments
Hazardous or adventure sports
External providers
Beauty/cosmetic treatment

Aditya Birla Activ Fit Plus Plan (Other Benefits)

10-50-100 benefits
Activ Health App
Binge SI refill
Premium back option
Super no-claim bonus

Aditya Birla Activ Fit Plus Plan (Eligibility Criteria)

Entry Age - 91 days
Max Entry Age - 45 years
SI - 5 L - 1 Cr
Waiting Period - 30 Days

Individual and Family Health Insurance