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Aditya Birla Active Health Platinum Health Insurance

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Aditya Birla Health Insurance
Active Health Platinum
Cashless Approval TAT2 hr Cashless Claim Processing
Claim Settlement Ratio96%
Network Hospitals10,500+
Pre-existing Disease Coverage Starting FromDay 1
Special BenefitsIncentivized Wellness
Starting Premium for Rs. 5 lakh CoverageRs. 270/month

About Aditya Birla Active Health Platinum Health Insurance

The Activ Health Platinum plan is an upgraded version of the regular Activ Health Plan from Aditya Birla Health Insurance. This health insurance plan not only takes care of your health but also offers rewards. Created to support your journey to well-being, the Activ Health Platinum Plan provides coverage of up to Rs. 2 Crore. What's even better is that it rewards you with health returns.

Consider this insurance policy as a significant step towards a healthier life. Activ Health Platinum plan covers specific chronic illnesses like high cholesterol, diabetes, hypertension, and asthma right from the beginning. You get to choose your hospital room at the start of the policy. Additionally, you can receive up to 30% of your annual health insurance premium as HealthReturns. In case of unrelated illnesses or accidents within the same year, the plan reloads your coverage by 100%. Read more about this health insurance plan below.

Activ Health Platinum Health Insurance At a Glance

Coverage

Both Individual Basis and Family Floater

Riders

Outpatient Coverage, Maternity Coverage, etc.

Variants

Enhanced, Essential, and Premier

Policy Period

1, 2 and 3 Years

Key Features

Comprehensive Dental Coverage, HealthRewards, and more

Inclusion

Pre and post Hospitalisation, Day Care Treatment, etc.

Exclusion

Self Inflicted Injuries, Alcohol or Drug Abuse, etc.

Riders Available With Activ Health Platinum Health Insurance

Mentioned below are the riders or add-ons available with Activ Health Platinum Health Insurance plan:

  • Outpatient Coverage: This part of the insurance covers the costs when you visit the doctor without being admitted to the hospital. It pays for necessary consultations, tests, and medicines. This includes regular check-ups, tests suggested by your doctor, and the medicines they prescribe in writing. Even alternative treatments are covered.
  • Deductible: If you choose a deductible option, it means you agree to pay a certain amount each year before the insurance kicks in. This amount is applied to the total of all valid claims you make in that year.
  • Maternity Coverage: This extra coverage is for maternity-related expenses. After waiting for 24 months, it covers costs for delivering a child, necessary treatments related to maternity, and lawful medical termination of pregnancy. You can use this for up to two events, which can include two deliveries, two terminations, or one of each. This is available for individuals between 18 and 45 years old.
  • Hospital Cash Benefit: With this addition to your insurance, you get paid a daily benefit for each full day you spend in the hospital for treatment due to illness or injury. The payment is made for a maximum of 30 days in a year, with a limit of 10 days for each claim.

Variants of Activ Health Platinum Health Insurance Plan

Features

Essential

Enhanced

Premier

Sum Insured

Rs. 50000 - 1 crore

Rs. 2 lakhs - 2 crores

Rs. 10 lakhs - 2 crores

Pre-hospitalisation

Covered up to 30 Days

Covered up to 60 Days

Covered up to 60 Days

Post-hospitalisation

Covered up to 60 Days

Covered up to 180 Days

Covered up to 180 Days

Automatic Restoration

Not Available

Available

Not Available

Organ Donor

Not Covered

Covered

Covered

Key Features of Activ Health Platinum Health Insurance Plan

The following are the critical features of the Activ Health Platinum plan:

  • HealthRewards for Healthy Choices: Earn up to 100% of your premium back through our HealthRewards program. Stay Activ and maintain your health to reap financial benefits.
  • Personalised Guidance from a Health Coach: With the Activ Health Platinum plan, enjoy the services of a dedicated Health Coach. Receive personalised workout and nutrition plans, along with expert guidance on mental health, all included in your plan.
  • Double Coverage for Claim-Free Years: Experience a doubling of your coverage at no additional cost after two consecutive claim-free years. It's a reward for consistent health and timely premium payments.
  • 100% Sum Insured Reload: In times of uncertainty, the plan offers a 100% refill of your Sum Insured during the policy year, providing comprehensive coverage when you need it most.
  • Comprehensive Dental Coverage: The Activ Health Platinum plan ensures cashless coverage for listed dental treatments, enhancing the scope of your health insurance.
  • Coverage for Mental Health Hospitalisation: Recognising the significance of mental well-being, Activ Health Platinum extends coverage for both pre and post-hospitalisation expenses related to mental illnesses, offering peace of mind during challenging times.

Eligibility Criteria of Activ Health Platinum Health Insurance Plan

The eligibility criteria for Activ Health Platinum plan are as follows:

Parametres

Eligibility Criteria

Minimum entry age

Individual Policy: 5 Years

Floater Policy: 91 Days

Maximum entry age

No Restriction

Sum insured

Up to Rs. 2 Crore

Benefits of Activ Health Platinum Health Insurance Plan

The benefits of this health insurance plan are as follows:

  • Affordable Pricing: Activ Health Platinum insurance policy offers fair pricing compared to other products in the market, ensuring you get comprehensive coverage without breaking the bank.
  • Freedom to Choose Room Type: Enjoy the flexibility to choose the type of hospital room you prefer, without any restrictions. Whether it's a shared room or a private A/C room, the choice is yours.
  • Coverage for Outpatient Costs: The policy covers outpatient department costs, including medications, tests, and consultations, providing comprehensive coverage for your medical needs.
  • Pregnancy-Related Expenses Covered: The Activ Health Platinum policy covers expenses associated with pregnancy, ensuring comprehensive support during this crucial time.
  • Coverage for Bariatric Surgery: If weight loss is a goal, the Activ Health Platinum Enhanced policy has you covered. Bariatric surgery expenses are included, supporting your journey to a healthier weight.
  • Management of Chronic Conditions from Day 1: For chronic conditions like diabetes, hypertension, high cholesterol, and asthma, management expenses are covered from day 1, ensuring continuous support right from the start.

Inclusions of Activ Health Platinum Enhanced Health Insurance Plan

Listed below are the inclusions of the Activ Health Platinum Enhanced policy:

  • In-patient Hospitalisation: All expenses related to being admitted to the hospital, including room charges, nursing fees, and other associated costs, are covered under this plan.
  • Pre-hospitalisation Medical Expenses: Medical expenses incurred before your actual hospital stay, such as diagnostic tests or consultations, are included in the coverage.
  • Post-hospitalisation Medical Expenses: Costs for medical treatments and follow-up care after your hospital stay, like medication or additional tests, are covered under this plan.
  • Day Care Treatment: Even for treatments that don't require a prolonged hospital stay but are necessary, like certain surgeries or procedures, the plan provides coverage.
  • Domiciliary Hospitalisation: If circumstances require you to be treated at home instead of the hospital, the plan covers the associated medical expenses.
  • Road Ambulance Cover: The plan provides coverage for the expenses incurred for using road ambulance services to transport you to the hospital.
  • Organ Donor Expenses: In the case of organ transplantation, the plan covers the medical expenses for the organ donor, ensuring comprehensive support.
  • ICU charges covered up to the Sum Insured: Expenses related to ICU stay, up to the sum insured, are covered, providing financial support during critical medical conditions.
  • AYUSH Cover: The plan covers medical treatments under Ayurveda, Yoga, Unani, Siddha, and Homeopathy, ensuring a holistic approach to healthcare.
  • Mental Illness Hospitalisation: Medical expenses related to hospitalisation for mental illnesses are covered under the plan, recognising the importance of mental health.
  • Obesity Treatment: The plan covers expenses for the treatment of obesity up to the sum insured, supporting efforts to address this health concern.
  • Home Treatment: Medical expenses incurred for treatment at home are covered under the plan, offering convenience and support for certain health conditions.
  • Modern Treatment Methods and Advancement in Technologies: The plan covers the costs of advanced and modern medical procedures and technologies, ensuring access to cutting-edge healthcare options.

Exclusions of Activ Health Platinum Enhanced Health Insurance Plan

Following are the exclusions of Activ Health Platinum Enhanced Health Insurance plan:

  • Self-Inflicted Injuries: Injuries intentionally caused by oneself are not covered. The policy excludes expenses related to self-harm.
  • Criminal Activities or Breach of Law: Any injuries or incidents resulting from criminal activities or intentional violations of the law are not covered by the policy.
  • Alcohol or Drug Abuse: The policy does not support treatments related to substance abuse.
  • War, Mutiny, or Nuclear Threat: Injuries or damages resulting from war, mutiny, or nuclear threats are excluded from coverage under the policy.
  • Cosmetic Treatments or Alterations: The policy does not cover expenses for cosmetic treatments or procedures aimed at altering one's aesthetic appearance.
  • Unproven Treatments: Treatments that are not established or proven as effective for a particular illness or injury are excluded from coverage.
  • Any Mental Disorder: Expenses related to the treatment of mental disorders are not covered under the policy.
  • Congenital Abnormalities: The policy does not cover medical expenses associated with congenital abnormalities or conditions present at birth.
  • Cost of Hearing Aids, Lenses, and More: Expenses for items like hearing aids, lenses, spectacles, and crutches are not covered by the policy as these are considered personal expenses by the insurer.

Documents Needed for Activ Health Platinum Enhanced Health Insurance

To get the Activ Health Platinum Enhanced Insurance plan, you will need to provide the below-listed documents:

  • A duly filled Application Form.
  • Identity Proof (Aadhar card, Passport, Voter ID, or Driver's license).
  • Age Proof (Birth Certificate, School Leaving Certificate, or Passport).
  • Address proof (Utility Bills, Rental Agreement, or Aadhar Card).
  • Passport-sized photos
  • Pre-policy health check-up reports might be required in some cases
  • Any other documents requested by the insurance company.

How to Buy Activ Health Platinum Enhanced Health Insurance Plan?

Buying the Activ Health Platinum Enhanced Health Insurance Plan through InsuranceDekho is pretty simple. You just need to follow the steps mentioned below:

Step 1: Visit the InsuranceDekho website and tap on "Health Insurance" in the Insurance section.

Step 2: Click on "Aditya Birla Health Insurance" from the list of Health Insurance Companies.

Step 3: Select the "Activ Health Platinum Enhanced" plan from the available options.

Step 4: Review the terms and conditions in the Activ Health Platinum Enhanced policy document.

Step 5: Upload all the required documents to complete the KYC process.

Step 6: After KYC, pay the premium online.

Step 7: You will receive the policy document in your email.

Claim Process for Activ Health Platinum Enhanced Health Insurance Plan

You can claim the Activ Health Platinum Enhanced Health Insurance Plan in two different ways that are as follows:

Cashless Claim

  • Visit a hospital in the Aditya Birla Health Insurance network.
  • Provide your Aditya Birla Activ Health Platinum Enhanced plan details and necessary information.
  • Submit the required documents, and the insurance company will approve the expenses.
  • The insurance company will directly pay the hospital after reviewing the claim.

Reimbursement Claim

  • Choose a nearby hospital in the Aditya Birla Insurance network.
  • Pay your medical bills at the hospital.
  • Request a reimbursement claim on the insurance company's website.
  • Submit the Aditya Birla claim form and all plan-related information.
  • After the insurance company checks your claim, they will reimburse you for the medical expenses.

Health Insurance Calculator

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Disclaimer : Actual Premium might vary basis your location, age and number of members
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10849 Aditya Birla Cashless Network Hospitals in India

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Claim Process at Aditya Birla Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 48 hours and for planned hospitalisation intimate within 3 days prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 48 hours and for planned hospitalisation intimate within 3 days prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Active Health Platinum Health Insurance Plan

  • How many variants are available with the Aditya Birla Active Health Platinum Health Insurance Plan?

    There are three variants available with the Aditya Birla Active Health Platinum Health Insurance Plan: Enhanced, Essential, and Premiere.

  • What are the plan types that I can buy with the Aditya Birla Active Health Platinum Health Insurance Plan?

    You can buy family or individual plans with the Aditya Birla Active Health Platinum Health Insurance Plan.

  • What is the sum insured I can choose while buying the Aditya Birla Active Health Platinum Health Insurance Plan?

    You can choose the sum insured ranging between Rs. 2 lakhs to Rs. 200 lakhs while buying the Aditya Birla Active Health Platinum Health Insurance Plan.

  • What is the claim settlement ratio of Aditya Birla?

    The claim settlement ratio of Aditya Birla is 96%.

  • Are pre and post hospitalisation expenses covered under the Aditya Birla Active Health Platinum Health Insurance Plan?

    Yes, pre and post hospitalisation expenses are covered under the Aditya Birla Active Health Platinum Health Insurance Plan.

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