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Why buy Activ Health Platinum Essential Plan?

Chronic illnesses can bring about lasting and serious health issues, affecting your well-being and financial stability. The Activ Health Platinum Essential plan offers immediate protection against listed conditions like high blood pressure and cholesterol. It goes beyond basic hospital coverage to take care of your needs.

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    Covers pre and post-hospitalisation expenses
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    Helps manage chronic illnesses
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    Rewards you for staying healthy

How Does Activ Health Platinum Essential Plan Work?

User testimonial Neha (38 yrs)
Neha (38 yrs)

She’s a career-oriented woman working as a marketing head for a big company in Mumbai.

User testimonial

Concerned about her health and the toll her sedentary lifestyle takes, she invested in Activ Health Platinum Essential Plan with a sum insured of ₹20 lakh. She also opted for the option to waive the mandatory co-pay.

User testimonial

A few years later when she woke up unable to breathe properly, she was admitted to the hospital for a hypertensive emergency. Turns out her blood pressure was very high.

User testimonial

Thankfully, her policy covered the expenses without her having to pay anything. Her cover to waive the mandatory co-pay also came in handy.

User testimonial

Her policy also helped her get on a Chronic Management Program with health coaches who have been helping her manage her blood pressure significantly.

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What's Included?

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HealthReturns™

Get rewarded for leading a healthy life and staying active in a policy year.

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Chronic Management Program

Get specialised support for managing listed chronic health conditions.

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In-patient Hospitalisation

​​Get coverage for medical expenses incurred during hospitalisation.

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Second E-opinion

Get a free second e-opinion from our international experts on the diagnosis of listed critical illnesses.

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Day Care Treatments

Get coverage for 586 day care procedures that require less than 24 hours of hospitalisation.

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Critical Illness Cover

Get an optional cover for up to 20 listed critical illnesses.

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Hospital Cash Benefit

Receive a fixed daily cash allowance in the case of hospitalisation as optional benefit.

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Cumulative Bonus

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

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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.
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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.
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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

Check your eligibility and take the first step towards financial security

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
  • Medical tests May be required depending on age
  • Smoking habits Affect your premium

Waiting Period

  • Initial Waiting Period: 30 Days (not applicable in case of an accident)
  • 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.

Hear What The Experts Have To Say
Hear What The Experts Have To Say
Arun Sharma

Aditya Birla Health Insurance

1 Jan 1
Hear What The Experts Have To Say

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

Hear What The Experts Have To Say
Mr. Rajinder Balhara

Aditya Birla Health Insurance Customer

Delhi, India

Hear What The Experts Have To Say
Hear What The Experts Have To Say
Mrs. Mangal Prathamesh Mithari

Aditya Birla Health Insurance Customer

1 Jan 1
Hear What The Experts Have To Say

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.

Hear What The Experts Have To Say
Mr. Himanshu Chaturvedi

Aditya Birla Health Insurance Customer

Noida, India

Hear What The Experts Have To Say
Hear What The Experts Have To Say
Shruti Davda

Aditya Birla Health Insurance

1 Jan 1

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With a few clicks on the ABCD app, you can get financial protection against medical emergencies with a health insurance plan.

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    Low and affordable premiums with one-click payments

Scan the QR code to download our Mobile App

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Understanding Activ Health Platinum Essential Plan

  • Who should buy Activ Health Platinum Essential Plan?
  • What are the Features and Benefits of Activ Health Platinum Essential Plan?
  • What are HealthReturns™?
  • What is the Chronic Care Management Program?
  • What is the Cumulative Bonus?
  • What are the permanent exclusions of Activ Health Platinum Essential?
  • What is the free-look period for this plan?
  • What is the claims process?

Who should buy Activ Health Platinum Essential Plan?

img 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™.

img 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.

img 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.

img 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?

  • Day 1 coverage is available in the Chronic Management Program.

  • HealthReturns™s of up to 50% can be claimed.

  • You can select your preferred room category if the sum insured is ₹4 lakhs and above.

  • Tax benefits can be claimed under section 80D of the Income Tax Act, 1961.

  • 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:


img 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.

img 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.

img 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.

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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?

img What?

  • Designed to provide specialised support to policyholders dealing with chronic health conditions.
  • Covers asthma, high blood pressure, high cholesterol and diabetes.

 

img How?

  • Coverage for listed ailments from day 1.
  • Dedicated support and guidance from healthcare professionals.

 

img 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 ?

  • 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.

  • Deductions may include expenses during coverage, stamp duty, and the number of insured days.

  • 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

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: 

  • Asthma, bronchitis, tonsillitis, upper respiratory tract infections, including laryngitis and pharyngitis, coughs, colds, and influenza;

  • Arthritis, gout, and rheumatism;

  • Chronic nephritis and nephritic syndrome;

  • Diarrhoea and all types of dysentery, including gastroenteritis;

  • Diabetes mellitus and insipidus;

  • Epilepsy;

  • Hypertension;

  • Psychiatric or psychosomatic disorders of any kind;

  • Unexplained fever (pyrexia of unknown origin).

If you have a valid reason and supporting evidence for not being able to submit your documents on time, your claim will remain valid and won't be voided.

In cases where essential claim documents have deficiencies or are incompletely provided, three reminders will be issued. If the required deficiency documents are not submitted within 45 days from the initial request, either a rejection letter will be sent or a part payment will be made.

Health insurance premiums in India are determined based on various factors, such as the age of the insured individuals, the sum insured, the coverage type, pre-existing conditions, and the geographical location. Premiums may also vary depending on the insurer and the specific benefits offered by the policy.

Yes, premiums paid for Health Insurance plans are eligible for tax benefits under Section 80D of the Income Tax Act, 1961 in India. Individuals can claim tax deductions for the premiums paid for themselves, their spouses, children, and parents, subject to specified limits.

For yourself and your family (All members below 60 years), the maximum amount that can be saved under Section 80D of Income Tax Act, 1961 is ₹25,000.
For self, family, and family + parents (All members below 60 years), the maximum amount that can be saved under Section 80D of Income Tax Act, 1961 is ₹50,000 (₹25,000+₹25,000).
For yourself and your family (all members below 60 years) with senior citizen parents, the maximum amount that can be saved under Section 80D of Income Tax Act, 1961 is ₹75,000 (₹25,000 + ₹50,000).
For self and family (with the eldest member above 60 years) with senior citizen parents, the maximum amount that can be saved under Section 80D of Income Tax Act, 1961 is ₹1,00,000 (₹50,000 + ₹50,000).

The Activ Health Platinum Essential Health Insurance plan is helpful for senior citizens for several reasons:

Comprehensive Coverage: It covers a wide range of medical expenses, including hospitalisation, surgery, pre and post-hospitalisation care, day care treatments, and ambulance charges.

Coverage for Chronic Conditions: It provides coverage for pre-existing conditions, such as diabetes, high cholesterol, high blood pressure, and asthma, which are common among senior citizens.

Cashless Treatment: It offers cashless treatment at a wide network of hospitals across India, ensuring a hassle-free experience for senior citizens.

Additional Benefits: It provides additional benefits such as annual health checkups, an expert health coach, and coverage for modern treatment methods.

Affordable Premiums: It has affordable premiums that are tailored to the needs of senior citizens.


To earn Activ Dayz™, you can either walk 10,000 steps in a single day, or burn 300 calories in any activity such as dancing, cycling, etc., or work out for 30 minutes in one of our partner gyms.

You can earn the highest HealthReturns™ and get back up to 30% of your health insurance premium by completing 13 Activ Dayz™ in a month and maintaining a green Healthy Heart Score™.

• HealthReturns™: Get rewarded for leading a healthy life and staying active in a policy year.
• Chronic Management Program: Get specialised support for managing listed chronic health conditions.
• In-patient Hospitalisation: Get coverage for medical expenses incurred during hospitalisation.
• Second E-opinion: Get a free second e-opinion from our international experts on the diagnosis of Critical Illnesses.
• Day Care Treatments: Get coverage for 586 day care procedures that require less than 24 hours of hospitalisation.
• Optional Critical Illness Cover: Get an optional cover for up to 20 listed Critical Illnesses.
• Optional Hospital Cash Benefit: Receive a fixed daily cash allowance in the case of hospitalisation.
• Cumulative Bonus: Get rewarded with an additional sum insured benefits for not making a claim in the previous policy year.
• Obesity Treatment: Get coverage for medical expenses for Bariatric Surgery.
• Mental Illness Hospitalisation: Get coverage for hospitalisation for mental illness that is clinically significant.
• Home Care Treatment Expenses: Get home treatment coverage for listed illnesses and injuries.
• Health Assessment: Get health assessment for MER, BP, BMI, HWR, smoking status, blood sugar and total cholesterol.
• Domiciliary Hospitalisation: Get coverage for medical treatment at home for a period exceeding three consecutive days.
• Road Ambulance Cover: Get coverage for a road ambulance to the nearest hospital in an emergency.
• AYUSH In-patient Hospitalisation: Get coverage for medical expenses incurred during hospitalisation under AYUSH.
• Health Check-up Program: Get a free health check-up once a year.
• Expert Health Coach: Get counselling from expert health coaches on general nutrition and diet.
• Modern Treatment Methods and Advancements in Technologies: Get coverage for listed modern treatment methods like robotic surgeries, oral chemotherapy, stem cell therapy, etc.
• Optional Personal Accident Cover: Get accidental death and permanent total disablement coverage.
• International Coverage for Major Illnesses: Get coverage for planned in-patient hospitalisation for major illnesses and their treatment abroad.

Aditya Birla Health Insurance Co. Limited. IRDAI Reg.153. CIN No. U66000MH2015PLC263677. ^Fitness assessment is not available in case of annual slabs under HealthReturnsTM. Product Name: Activ Health. Activ Health has Activ Health Platinum Enhanced, Activ Health Platinum Premiere and Activ Health Platinum Essential variants. Product UIN: ADIHLIP24102V052324, Advertisement UIN: ABHI/LF/22-23/1386. Regd. Office address: 9th Floor, Tower 1, One World Centre, Jupiter Mills Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai 400013. Email: care.healthinsurance@adityabirlacapital.com, Website: adityabirlahealthinsurance.com, Telephone: 1800 270 7000.

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.