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Activ Health Platinum Enhanced
- Up to 100% Health Returns™
- Expert health coach
- Cover for dental consultation
Why buy Activ Health Platinum Enhanced Plan?
Activ Health Platinum Enhanced plan gives you insurance coverage with wellness benefits, chronic care expert health coaching and more to make sure you get 360-degree protection. In addition, the plan rewards you for staying fit with HealthReturns™ which can be used towards the next premium or other services.
- Covers mental health hospitalisation
- Helps manage chronic illnesses
- Covers cashless home treatment
How Does Activ Health Platinum Enhanced Plan work?
What's Included?
Earn up to 100% of your premium back as HealthReturnsTM by embracing a healthy life.
Get coverage for pre and post-hospitalisation expenses incurred during treatment.
Get access to medical counselling, general wellness and lifestyle, nutrition coach and mental health coaching.
Get cashless dental treatments, which include one comprehensive consultation, one cleaning and one x-ray. (Disclaimer – Available for SI 15 lac and above).
Get up to 100% of the sum insured refilled in case it is exhausted in a policy year.
Get specialised support for managing listed chronic health conditions.
Get a premium for one year waived if diagnosed with a listed illness for adults 18 & above.
Get a free annual health checkup that includes BP, BMI, blood sugar, total cholesterol etc.
What's Not Included?
No coverage on expenses related to pre-existing diseases before the waiting period.
No claims can be made during the initial waiting period.
No coverage if the death is due to alcohol, drug abuse, or involvement in illegal activities.
No cover if there’s an attempt at suicide or self-inflicted injuries.
No coverage for cosmetic treatments, mental disorders or any congenital abnormality.
No coverage on the cost of hearing aids, lenses, spectacles, crutches, etc.
Get started with Activ Health Platinum Enhanced Plan
How to buy?
- Assess your needs and check the plan on the ABC website.
- Carefully go through coverage and exclusions.
- Share your details, select coverage, term etc.
- Make the payment and enjoy your newfound peace.
How to renew?
- Visit the policy renewal page on the website.
- Enter policy number and personal details.
- Check the renewal amount displayed.
- Make payment via the preferred mode and you are done.
- You will receive a confirmation email of the successful policy renewal.
How to claim?
- Intimate the insurer before your hospitalisation or as soon after as possible.
- Gather all required documents - policy, hospital bills, doctor’s notes etc.
- Visit the claims section on the website.
- Provide basic details about the policy and the policyholder.
- Submit the required documents and we’ll get back to you.
Check Your Eligibility
Eligibility Criteria
- Family floater minimum age 91 days for dependent children and 18 years for adults
- Dependent Children from age 91 days to 5 years will be covered only if one adult is covered under Family Floater Policy
- Individual plan minimum age 5 years
- Maximum age of entry Can enter at any age
Waiting Period
- Initial Waiting Period 30 Days (not applicable in case of an accident)
- Specified Diseases or Procedures 24 months (or genetic diseases or disorders- 48months)
- Pre-Existing Diseases 36 months
Customer Satisfaction Stories
Don’t just take our word for it. Hear from our customers about their successful financial journey with us
Aditya Birla Health Insurance Customer
Staying healthy has become a way of life. I really enjoy using the Activ Health app that gives all my health solutions at one place.
Aditya Birla Health Insurance Customer
Noida, India
Aditya Birla Health Insurance Customer
Aditya Birla Health Insurance has been my companion in my weight loss journey of losing 17 Kgs and helping me stay disease-free. Health Returnsᵀᴹ keeps my whole family motivated to be active and stay fit and each person can do the exercise of their choice
Aditya Birla Health Insurance Customer
Delhi, India
Aditya Birla Health Insurance Customer
Table of Contents
What is Activ Health Platinum Enhanced Plan?
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Aditya Birla Activ Health Platinum Enhanced plan prioritises both health and financial well-being.
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Get comprehensive coverage for medical expenses with unique features like HealthReturns™ and sum insured reload.
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Get health support with the Chronic Management Program.
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The policy offers both individual and family floater policies, a choice of hospital rooms, and an annual health check-up facility to the insured, among other features.
Who should buy Activ Health Platinum Enhanced Plan?
Young adults
Premiums are low at a younger age and it can help you inculcate healthy habits. You can also earn back up to 100% of your premium as HealthReturns™.
People with chronic illnesses
Many features of the plan such as health screening, coverage from day one, Chronic Management Program, and Health Coach can be especially helpful in mitigating risks.
Families
With the family floater option, you can cover the whole family under one plan. This would allow you to go for a much higher sum insured while being quite cost-effective.
Elderly individuals
The plan offers coverage for various age-related issues such as hypertension, heart issues, high cholesterol etc. which can be quite useful for someone in their advanced age.
What are HealthReturns™ ?
HealthReturns™ is designed to encourage and reward you for adopting a healthy lifestyle and staying active. Here are some of its key features and benefits:
Earn points
You can earn HealthReturns™ points for maintaining an active lifestyle, which includes activities like walking, running, or cycling. These points are tracked through wearable fitness devices or mobile apps.
Annual payout
Accumulated HealthReturns™ points get you an annual payout, typically in the form of a premium discount or wellness benefits. You can also use these points to pay for things your plan doesn’t cover.
Requirement
The more active you are, the higher your potential reward. For example, you can earn up to 100% of your premium by staying active for 275 days in a year.
Health coaching
Some policies also offer access to health coaching services and personalised wellness programs to help you make healthier choices.
How to earn HealthReturns™?
- Step 1: Download the Activ Health App
- Step 2: Schedule your Health Assessment
- Step 3: Stay activ and track your steps to get Activ Dayz™
1 Active Dayz™ = 10,000 steps or 300 calories burned - Step 4: Complete 325 Activ Dayz™ in a year to get 100% HealthReturns™
- Step 5: Redeem your HealthReturns™and use it to pay your next policy premium
What is the cashless claim process?
- Step 1: Inform the insurer and visit the nearest network hospital.
- Step 2: Present your health card and an ID proof at the hospital helpdesk.
- Step 3: Fill out the cashless hospitalisation request form and submit the pre-authorization letter.
- Step 4: Once your request is approved, you can avail cashless services at the network hospital.
- Step 5: The incurred expenses will be settled directly by the insurer according to the policy terms.
What is the Chronic Care Management Program?
What?
- Designed to provide specialised support to policyholders dealing with chronic health conditions.
- Covers asthma, high blood pressure, high cholesterol and diabetes.
How?
- Coverage for listed ailments from day 1.
- Dedicated support and guidance from healthcare professionals.
Who?
- Anyone over the age of 91 days.
- Spouses and children (under 25) can be added as dependents.
FAQs on Activ Health Platinum Enhanced Plan
A dependent child from the age of 91 days to 5 years will be covered but only if one adult is covered under the Family Floater Plan.
- HealthReturns™: Earn up to 100% of your premium back by embracing a healthy life.
- Mental Illness Coverage: Get coverage for pre and post-hospitalisation expenses incurred during treatment.
- Dedicated Health Coach: Get access to medical counselling, general wellness and lifestyle, nutrition coach and mental health coaching
- Dental Consultation and Investigation Coverage: Get cashless dental treatments, which include one comprehensive consultation, one cleaning and one x-ray.
- Up to 100% Sum Insured Reload: Get up to 100% of the sum insured refilled in case it is exhausted in a policy year.
- Chronic Management Program: Get specialised support for managing listed chronic health conditions.
- Premium Waiver: Get a premium for one year waived if diagnosed with a listed illness.
- Health Assessment™: Get a free annual health checkup that includes BP, BMI, blood sugar, total cholesterol etc.
- Cumulative Bonus: Earn a cumulative bonus of 50% per annum, up to a maximum of 100% of Base Sum Insured (max up to ₹1 crore) for each claim-free year.
- Modern Treatment Methods and Advancements in Technologies: Get coverage for listed treatments like robotic surgeries, oral chemotherapy, stem-cell therapy and more.
- In-Patient Hospitalisation: Get coverage on expenses that include room rent, nursing expenses, doctor’s fees, OT charges, medicine costs, consultation fees etc.
- Daycare Treatment: Get easy coverage on daycare procedures that do not require 24-hour hospitalisation.
- Domiciliary Hospitalisation: Get coverage on the cost of the treatment availed at home in case hospitalisation is not possible.
- Road Ambulance Cover: Get coverage for road ambulance expenses up to actual costs at network hospitals and up to ₹5000 per hospitalisation at non-network hospitals.
- Organ Donor Expenses: Get coverage for expenses related to organ harvesting for transplants incurred by organ donors.
- AYUSH Cover: Get coverage on in-patient hospitalisation under AYUSH (Ayurveda, Yoga, Naturopathy, Unani, Siddha and Homeopathy).
- Obesity Treatment: Get coverage on medical expenses for Bariatric Surgery.
- International Coverage for Major Illnesses: Get coverage for listed 16 major illnesses whilst in a different country; get covered with a sum insured of ₹3 Crores. and ₹6 Crores. (Disclaimer-Optional cover, available with base S.I. of 10L & above only)
- Second E-opinion on Critical Illness: In case of major illnesses like cancer, kidney failure, heart attack, etc., get a second opinion from qualified specialists, and the associated costs will be covered by this policy.
- Home Care Treatment Expenses: Get homecare treatment expenses on a cashless basis for listed injuries and illnesses such as dengue, and hepatitis among others.
- Optional Critical Illness Cover: Get coverage for up to listed 20 specified Critical Illnesses, and the policy also provides a one-year premium waiver if you are diagnosed with any of the listed Critical Illnesses.
- OPD cover: Get coverage for outpatient consultations, diagnostic tests and pharmacy expenses up to ₹1000 for a sum insured of ₹15 lakhs or above.
Discover our network hospital list effortlessly by clicking here. Alternatively, for direct assistance, you can call our toll-free number at 1800 103 1033.
In certain situations, we may not be able to provide cashless facility for hospitalisation. This can happen if there is not enough coverage in your policy, insufficient information for approval, or if the treatment is not covered. In such cases, you might need to pay for the treatment and then submit a reimbursement claim to us. This will be considered based on the terms and conditions of your policy.
During cashless hospitalisation, it is necessary to settle all non-admissible expenses, co-payments, and deductibles directly with the hospital.
If you opt for claim reimbursement, we will pay you the admissible claim amount after adjusting for co-pay, deductible, and any earned HealthReturns™.
Cashless hospital network
For more details on risk factors, terms and conditions please read terms and conditions carefully before concluding a sale. Trademark/Logo Aditya Birla Capital is owned by Aditya Birla Management Corporation Private Limited and Trademark/logo HealthReturns, Healthy Heart Score and Active Dayz are owned by Momentum Metropolitan Life Limited (Formerly known as MMI Group Limited). These trademark/Logos are being used by Aditya Birla Health Insurance Co. Limited under licensed user agreement(s). Coronavirus is covered for Inpatient treatment as per policy wordings of the Product. For details on more optional covers such as Preferred Provider Network (PPN) Discount, Maternity expenses, OPD expenses and Hospital Cash benefit, please refer to policy wordings. The benefits mentioned can be availed under Activ Health Platinum Enhanced version.
*For annexure 1 please refer PBT/Policy wording
Benefits are conditional to Sum Insured/Plan opted, please refer the policy wordings/PBT for more details.