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Activ Health Platinum Essential
- Comprehensive coverage at affordable rates
- Free health check-ups
- Cashless treatment
Why buy Activ Health Platinum Essential Plan?
- Covers pre and post-hospitalisation expenses
- Helps manage chronic illnesses
- Rewards you for staying healthy
How Does Activ Health Platinum Essential Plan Work?
What's Included?
Get rewarded for leading a healthy life and staying active in a policy year.
Get specialised support for managing listed chronic health conditions.
Get coverage for medical expenses incurred during hospitalisation.
Get a free second e-opinion from our international experts on the diagnosis of listed critical illnesses.
Get coverage for 586 day care procedures that require less than 24 hours of hospitalisation.
Get an optional cover for up to 20 listed critical illnesses.
Receive a fixed daily cash allowance in the case of hospitalisation as optional benefit.
Get rewarded with an additional sum insured benefits for not making a claim in the previous policy year.
What's Not Included?
No claims can be made during the initial waiting period.
No coverage for pre-existing diseases before the waiting period.
No cover if there’s an attempt at suicide or self-inflicted injuries.
No coverage is paid out if the death is due to alcohol, hazardous activity, acts of war, or childbirth.
Get started with Activ Health Platinum Essential 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)
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Specified Diseases
or Procedures: 24 months (for genetic disorder – 48 months) - Pre-Existing Diseases: 48 months
Customer Satisfaction Stories
Hear from our customers what they have to say about their experience.
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
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
Table of Contents
Who should buy Activ Health Platinum Essential 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 50% 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 Expert 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 the Features and Benefits of Activ Health Platinum Essential Plan?
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Day 1 coverage is available in the Chronic Management Program.
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HealthReturns™s of up to 50% can be claimed.
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You can select your preferred room category if the sum insured is ₹4 lakhs and above.
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Tax benefits can be claimed under section 80D of the Income Tax Act, 1961.
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A second e-opinion is accessible for listed Critical Illnesses.
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 does not cover.
Requirement
The more active you are, the higher your potential reward. For example, you can earn up to 50% 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.
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.
What is the Cumulative Bonus?
Cumulative Bonus refers to an increase or addition to the sum insured provided by the insurer, and this increase is given without requiring an additional premium payment.
You will receive a Cumulative Bonus of 10% increase, Max up to 100% (up to maximum of 50 Lacs) of the Sum Insured for each year in which you do not make a claim.
If you use part of your earned Cumulative Bonus to cover a claim in a specific policy year, any remaining amount will be carried over to the next policy year.
What are the permanent exclusions of Activ Health Platinum Essential ?
- Hearing aids, spectacles or contact lenses including optometric therapy and multifocal lens.
- Treatment for baldness, alopecia, wigs, toupees, and other similar treatments
- Cosmetic, aesthetic, & re-shaping treatments and surgeries
- Any Illness/injury/accident due to abuse of intoxicants
- War, act of foreign enemy, uprising, revolution, insurrection, military or usurped acts
- Intentional self-injury or breach of law with criminal intent
For more details on exclusions please refer policy wordings.
What is the free-look period for this plan ?
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If you cancel during the free look period (15 days for offline, 30 days for online), you'll get your premium back minus the expense to the insurer.
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Deductions may include expenses during coverage, stamp duty, and the number of insured days.
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If cancelled after the free-look period, refunds are 75% within 1 month, 50% within 3 months, and 25% within 6 months in a year.
What is the claims process?
Step 1 - Gather the required documents - the policy document, doctor’s note, bills, ID proof, etc.Step 2 - Inform us about the claim event by phone, email, website, or by visiting our branch office.
Step 3 - Fill out and submit the claim forms along with the required documents.
Step 4 - Track your claim through our website or by contacting our customer support.
Step 5 - Once your claim is verified and approved, the settlement payout will be processed.
FAQs on Activ Health Platinum Essential Plan
Yes, both smokers and non-smokers are eligible for this plan. In order to earn HealthReturns™, the individual insurer must undergo a health assessment that will measure the smoking status and give a Healthy Heart Score™
A pre-existing condition refers to any health-related issue that the policyholder may have experienced or been diagnosed with during the 48-month period preceding the purchase of the current health insurance policy.
Yes, it covers Accidental Death Cover (AD) and Permanent Total Disablement (PTD) up to the limits specified. However, this is an optional cover.
Yes, you can also choose the hospital room category from economy to any room if the sum insured is ₹4 lakhs and above.
The following medical conditions are not covered under this plan:
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Asthma, bronchitis, tonsillitis, upper respiratory tract infections, including laryngitis and pharyngitis, coughs, colds, and influenza;
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Arthritis, gout, and rheumatism;
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Chronic nephritis and nephritic syndrome;
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Diarrhoea and all types of dysentery, including gastroenteritis;
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Diabetes mellitus and insipidus;
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Epilepsy;
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Hypertension;
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Psychiatric or psychosomatic disorders of any kind;
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Unexplained fever (pyrexia of unknown origin).
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.