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.