In Patient Hospitalisation, Pre-hospitalization Medical Expenses, Post-hospitalization Medical Expenses, Day care Treatment, Domiciliary Hospitalization, Road Ambulance Cover, Organ Donor Expenses, Reload of Sum Insured, AYUSH In-patient Hospitalization, Mental Illness Hospitalization, Obesity Treatment, Home Care Treatment Expenses, Second E-Opinion on Critical Illness, Health Check-up program, Domestic / International Emergency Assistance Services (including Air Ambulance), OPD Cover, Chronic Management Program, HealthReturns, Health Assessment, Premium Waiver, Cumulative Bonus , Dental Consultation and Investigations , Expert Health Coach, Modern Treatment Methods and Advancement in Technologies , Hospital Cash Benefit, Personal Accident Cover, International Coverage for Major Illnesses, Critical Illness Cover

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Aditya Birla Health Insurance Co. Limited

Products
- Health & Wellness plans
  - Activ One NXT NewMax ProtectionHealthReturns™ + No Capping on Medical Expenses + Super Reload₹5,630*/annumView Details
  - Activ FitMax ProtectionHealth Insurance + Health Benefits + Rewards₹6,863*/annumView Details
  - Activ Care ClassicParent Care Health Insurance for Parents ₹28,373*/annumView Details
  - Activ Assure Diamond + Super Health Top UpMax Protection 1 Crore Cover + Health insurance + Health benefit ₹10,768*/annumView Details
  - Activ Health Platinum EnhancedMax ProtectionHealth Insurance + Wellness Benefit + Chronic Care₹8,215*/annumView Details
- Large payout plans
  - Personal AccidentHealth insurance for cover against accidents₹212*/annumView Details
  - Cancer SecureHealth insurance for cover against cancer₹428*/annumView Details
  - Critical IllnessProtecting your future after a critical illness₹5,463*/annumView Details
- Corporate Plans
  - Group Activ HealthComprehensive corporate health insurance planView Details
  - Group Activ SecureFixed benefit plans including personal accident insurance, critical illness insurance and hospital cash benefitView Details
  - Group Activ TravelThe perfect travel insurance planView Details
- International Cover
  - Global Health SecureAvail cashless treatment internationally with this plan₹12,917*/annumView Details
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Aditya Birla Health Insurance Co. Limited

ACTIV HEALTH PLATINUM ENHANCED

Q: Why Aditya Birla Health Insurance?

Activ Health app, Healthcare Network, Anytime, anywhere 24x7 support, Quick and easy claim settlement, Trusted care managers

Your Health Journey Partner

Health Insurance + Wellness Benefits + Chronic Care

Do you like it when life rewards you for your hard work? How would you feel if your health insurance plan rewarded you for your efforts towards staying healthy?

Presenting the Activ Health Platinum Enhanced Plan that rewards you with up to 100% HealthReturnsTM for staying active and healthy! What’s more – it partners with you on your health journey with its Chronic Management Program.

Want to know something even more extraordinary? The Activ Health Platinum Enhanced Plan also provides a Sum Insured of up to ₹2 crores along with a host of exceptional benefits.

Premium starting at

₹8,215* /annum

Download Brochure Get Quote

UNIQUE FEATURES OF THE ACTIV HEALTH PLATINUM ENHANCED PLAN

Up to 100% HealthReturns™

Why just stop at gaining muscles and losing weight when such healthy behaviour can earn you rewards? Earn up to 100% of your premium back as HealthReturnsTM on staying active and healthy.

Expert Health Coach

Forget the days of spending a lot on nutritionists or fitness guides. With the Activ Health Platinum Enhanced plan, you will have a dedicated Health Coach who will give you personalized workout, nutrition plans and mental health guidance along with an expert review of medical reports.

Double Sum Insured in just 2 Claim-free Years

Wondering what happens when you stay healthy and keep paying your premium on time? We will reward you with a double sum insured, free of any additional cost, on having two successive claim-free years.

100% Sum Insured Reload

When uncertain times come knocking and you need more than your Sum Insured, this plan has got you covered. You can get 100% of your Sum Insured as a refill during the policy year.

Cover for Dental Consultation and Investigations

Forget the days of complaining about health insurance policies not providing Dental cover as we will provide you with cover for listed dental treatments on a cashless basis.

Coverage for Mental Illness Hospitalization

We understand the need for and importance of good mental health along with your physical health. With Activ Health Platinum Enhanced, we will offer you a piece of mind with cover for pre and post hospitalization expenses for mental illnesses.

UNDERSTAND ACTIV HEALTH PLATINUM ENHANCED PLAN BETTER

HealthReturns™

Did you know that by just walking 10,000 steps daily, you can earn up to 100% of your premium back in the form of HealthReturnsTM. Here’s all that you need to know:

1. Complete your complimentary Health Assessment on our Activ Health App and generate your healthy heart score

2. Start your fitness journey to earn Activ Dayz*

3. Earn HealthReturns™ based on accumulated Activ Dayz and your Healthy Heart Score

*1 Activ Dayz = Walking 10,000 steps daily or burning 300 calories a day or 30 min gym session at any of our affiliated gyms across the country.

HealthReturns™ can be used to pay your premium from the first renewal of your policy. Furthermore, they can be utilised for buying medicines or for surgical interventions which are not covered due to a waiting period or exclusions as per the policy documents.

Chronic Care Management Program

Illnesses can come knocking at any point in life, but we promise to be there with you during your troubles. Our Chronic Care Management Program is specially designed to keep these lifestyle conditions in check and enable an empowered life for you and your loved ones.

Health Assessment

Measure your MER (Medical Examination Report) on demand including BP (Blood Pressure), BMI (Body Mass Index) HWR, Smoking Status, Blood Sugar, and Total Cholesterol with a complimentary Health Assessment feature on our Activ Health app. On getting a Healthy Hearth Score, you will become eligible for multiple rewards.

Premium Waiver

We offer a premium waiver feature which you can use to have a premium-free year.
This can be used only once in the lifetime of your policy within 365 days from the date of the accident or diagnosis of the listed 20 critical illnesses during the policy period.

Cumulative Bonus

When you don’t make any claim in a Policy Year and successfully renew the policy on a timely basis, you will be eligible to earn a Cumulative Bonus – i.e. 50% increase in your Sum Insured without any associated increase in premium (maximum up to 100% of Sum Insured or up to INR 1 Cr.)

Dental Consultation and Investigations

Forget the days when Dental Expenses were not covered under your Health Insurance Policy. With the Activ Health Platinum Enhanced Plan, you can avail of Cashless Dental Consultation and Investigation services at any of our network hospitals and empanelled service providers.
You get a cover for oral evaluation, oral prophylaxis and the cost of an x-ray. (All 3 services listed above shall be availed on a single appointment scheduled by us.)

Expert Health Coach

Have you also wished for a Health Coach who would provide guidance in your health journey?
Your wishes will be fulfilled with an Expert Health Coach who will study your medical history and health goals and provide personalized guidance on nutrition, fitness, medical counselling and teleconsultation with homoeopathy doctors along with mental health counselling which includes screening for mental health status and consultation sessions.

Modern Treatment Methods and Advancements in Technologies

If in future, you need to undergo a treatment which requires the use of advanced technologies, you need not worry about the cost.
The Activ Health Platinum Enhanced Plan provides cover for modern treatment methods like robotic surgeries, oral chemotherapy, stem cell therapy and more as a part of in-patient hospitalization or daycare treatments.

In-Patient Hospitalization

In case of a planned treatment or an unforeseen emergency which leads to hospitalization for more than 24 hours, Aditya Birla Health Insurance will cover expenses like room rent, doctor’s fees, operation theatre expenses, medicines, drugs and other consumables under the policy as per your eligibility.
If you have a sum insured of up to INR 3 lakhs, choose from a shared room or a single private AC room. For sum insured with INR 4 lacs and above, pick any room, and we would cover the costs incurred, no questions asked.

Pre and Post Hospitalization Medical Expenses

Expenses for consultations, medicines or diagnostic tests before your hospitalization or after hospitalization will be covered for up to 60 days before hospitalization and up to 180 days after discharge from the hospital, once the hospitalization claim is accepted by us.

Daycare Treatment

Due to advancements in medical science, certain medical procedures like dialysis, may not require a 24-hour hospitalization. Such procedures will also be covered under the Activ Health Platinum Enhanced plan.

Domiciliary Hospitalization

For times you consider taking medical treatment at home rather than a hospital, we would want you to receive the best quality treatment. Hence, with the Activ Health Platinum Enhanced plan, you can get covered up to Sum Insured for medical treatment at home for a period exceeding at least 3 consecutive days which would otherwise have necessitated hospitalization.

Road Ambulance Cover

We will ensure there is no roadblock to your speedy and quality treatment by covering your ambulance costs up to the sum insured at our network hospitals. In the case of non-network hospitals, you will be covered up to ₹5000 per hospitalization.

Organ Donor Expenses

All medical expenses for organ transplantation ranging from harvesting organs to transplantation surgeries will be covered as per the Sum Insured for the donor.

Reload of Sum Insured

Your policy will be your friend in times of need with the Binge Refill feature. If your Sum Insured, inclusive of the accumulated No Claim Bonus/Super No Claim Bonus is exhausted/insufficient for covering a claim, we will provide a 100% complete refill of the Sum Insured,once a year, for any illness/injury covered as per your policy documents.

AYUSH Cover

Your Activ Health Platinum Enhanced plan will cover medical expenses incurred by you towards your in-patient hospitalization under AYUSH (Ayurveda, Yoga, Naturopathy, Unani, Siddha, and Homeopathy). We will cover reasonable and customary charges on a reimbursement basis.

Mental Illness Hospitalization

Mental illnesses can be difficult to manage and you would want to go for the best medical care possible. We at Aditya Birla Health Insurance understand this and hence we provide cover for your medical expenses incurred by you, up to the Sum Insured, towards hospitalization, especially for any mental illnesses. Please note that the mental illness needs to be clinically significant and should not be related to intentional self-inflicted injury or attempted suicide by any means.

Obesity Treatment

Nowadays, the problem of obesity is commonly faced by many. We know how it can have a negative impact on your physical and mental well-being. Hence, we provide cover for medical expenses for Bariatric Surgery, if found to be medically necessary on the written advice of a medical practitioner. However, prior approval should be taken from us before the Bariatric Surgery is performed and the minimum age of the patient is 18 years.

Home Care Treatment Expenses

Avail home care treatment expenses up to the Sum Insured on a cashless basis for illnesses/injuries such as chemotherapy, dengue, gastroenteritis, hepatitis, and peritoneal dialysis. This service can only be availed through our network provider/empanelled service providers providing such facilities.

Second E-opinion on Critical Illness

You may feel the need of taking a second opinion in case of major illnesses (such as cancer, kidney failure and many more). In order to prioritize your comfort, you could get a second e-opinion through our consortium of doctors and medical experts at our network hospitals.
Please note that this facility will be available on a cashless basis only.

Health Check-up Program

Do you also skip your mandatory annual health check-ups? We suggest you keep a tab on your health with a free health check-up, once per policy year, on a cashless basis.

Domestic / International Emergency Assistance Services (including Air Ambulance)

You may travel for work or to get away from your busy lives and sometimes you may end up going to remote places where an adequate medical facility may not be available and you need medical help. In such a scenario, we will help you reach a medical facility and then take you back to your home.

OPD Expenses

During the policy period, if you incur any medical expenses for Out-Patient Consulations, we will cover them on a cashless basis through our Empanelled Service Providers in selected cities.

Hospital Cash Benefit

For each day that you get hospitalized, you will get an added benefit of a per-day allowance with us. A deductible of 24 hours shall apply under this benefit. This benefit shall be payable for a maximum limit of 30 days in a policy year and 10 days for each claim. You can choose the amount of INR 500 and INR 5000 (in multiple of INR 500) based on your needs. This is an optional cover.

Personal Accident Cover

Unforeseen events, which come in the shape of accidents and injuries, may often cause setbacks. With personal accident cover, you can secure yourself and your family from the financial implications of severe accidents.
the payout will be as per the Sum Insured and both, accidental death and permanent total disablement are covered under personal accident cover. This is an optional cover.

International Coverage for Major Illnesses

Sometimes, for a major illness, doctors may advise you to take treatment from a more specialized doctor in a different country. For such cases, we cover planned in-patient hospitalization expenses for 16 major illnesses. This benefit is applicable only for the Insured Person(s) who is an Indian Citizen residing in India and with a base sum insured of INR 10lacs and above.
You can get covered for a sum insured of INR 3 Cr and INR 6 Cr. This is an optional cover.

Critical Illness Cover

Any critical illness poses a great risk. Along with physical and emotional stress, it can drain you financially.
With the Activ Health Platinum Enhanced plan, you get covered for up to 20 listed critical illnesses.
A short survival period of 15 days is required following the initial diagnosis of a critical illness and an initial waiting period of 90 days is applicable. This is an optional cover.

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WHAT IS NOT COVERED UNDER THE POLICY?

The coverage scope of Activ Health Platinum Enhanced is quite comprehensive. But there are some things which are not covered under any policy and are called exclusions. Some of them are mentioned below:

Self-inflicted injuries

Criminal activities or acts that breach the law

Alcohol or drug abuse

War, mutiny, or nuclear threat

Cosmetic treatments or treatments that are taken to alter your aesthetic look

Unproven treatments are not the established mode of treating an illness or injury

Any mental disorder

Any congenital abnormality

Cost of hearing aids, lenses, spectacles, crutches, etc

If you want to know the complete list of exclusions, check the policy wording.

Check Eligibility
Waiting period

The minimum age at entry under Activ Health – Platinum Enhanced is 91 days.

There is no maximum age at entry.

Minimum age at entry :

Family Floater Policy:
91 days (for dependent child) 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 Policy:
·In case of an Individual policy, minimum age at entry is 5Yrs

Relationships covered:
a) Family Floater Policy:
Self & legally wedded spouse, dependent children upto 3 (i.e. natural or legally adopted) between the age 3 months to 25 years.
b) Individual Policy:
Self, legally married spouse as long as they continue to be married, son, daughter, mother, father, brother, sister, mother in-law, father in-law, grandfather, grandmother, grandson, granddaughter, son in-law, daughter in-law, brother in-law, sister in-law, nephew, niece.

A. Initial Waiting Period - 30 Days (not applicable in case of accident), subsequent renewal.

B. For Specified Disease or Procedure- 24 months

C. For Pre-Existing Disease- 36 months

Why Aditya Birla Health Insurance?

For more details, download our policy documents

Product Brochure

Policy Wording

Visit Download Center

Find a Cashless Hospital Network near you.

Be it an emergency or a routine check-up, we’ve partnered with cashless hospitals all over India.

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We put our faith in a better you, thank you for trusting us!

Aditya Birla Health Insurance inspired me to maintain an active lifestyle by adopting healthy habits and rewarded me with 100% HealthReturns™. I earned it by walking 10000 steps daily and I'll use my HealthReturns™ to renew my policy.

Mr. Radhey Shyam Laddha

Aditya Birla Health Insurance has been my companion in my weight loss journey of losing 17 Kgs and helping me stay disease-free. Health Returns keeps my whole family motivated to be active and stay fit and each person can do the exercise of their choice

Mr. Rajinder Balhara

Construction Business Owner

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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.

Mr. Himanshu Chaturvedi

IT Professional & Marathoner

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I was hospitalized thrice & the entire claim process was 100% hassle free. I personally find the dedicated care manager benefit of the policy extremely useful.

Mrs. Prajakta Bhudivant

Homemaker

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When your child is sick, you will only focus on getting the best treatment. The entire claims process was handled by our care manager and was very seamless which helped us relax and be with our son all the time.

Govind & Deepika Shukla

IT Sales Professionals

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Are you ready to get insured?

90% of our members believe that by taking health insurance not only did it save them time and money but also improved their lifestyle.

Activ Health Platinum Enhanced Insurance Plan

Our Other Health Insurance Plans

Activ Assure Diamond

Health insurance + Health benefit

Premium starting at

₹7,149*/annum

Learn More

Activ Assure Diamond + Super Health Topup

Health insurance + Health benefit

Premium starting at

₹10,768*/annum

Learn More

Activ Secure - Critical

Coverage for 20-64 critical illness

Premium starting at

₹8,336*/annum

Learn More

Looking for more answers? Check out our Health Insuarnce FAQs

1.
How do I know if a hospital is your network hospital or not?

The list of our network hospital is available on our website by clicking here. Alternatively, you can also call at our toll free no. 1800 103 1033 to get this information.

2. Will you always accept my cashless pre-authorization request?

There can be instances where we may deny the cashless facility for hospitalization due to insufficient sum insured or insufficient information to determine admissibility or where the treatment is not covered under the policy in which case you may be required to pay for the treatment and submit the claim for reimbursement to us which will be considered subject to the policy terms & conditions.

3. Are co-pay and deductible paid to you?

In case of cashless hospitalization, you will be required to settle all non-admissible expenses, co-payment and / or deductibles (if applicable), directly with the hospital).

In case of reimbursement of claim, admissible claim amount (after adjusting for co-pay and / or deductible and / or earned HealthReturns™) will be paid by us to you.

4. What if there is a delay in submission of claim documents?

Completed claim forms and documents must be furnished to us within the stipulated timelines. Failure to furnish such evidence within the time required shall not invalidate nor reduce any claim if you can convince us that it was not reasonably possible for you to submit / give proof within such time.

If there are any deficiencies in the necessary, claim documents which are not met or partially met, we will send a maximum of 3 (three) reminders following which we will send a rejection letter or make a part-payment if we have not received the deficiency documents after 45 days from the date of the initial request for such documents.

5. In how many days will my claims will be settled?

We shall settle a claim within 30 days of the receipt of the last necessary information and documentation as stated in the policy wordings.

Stay fit with our Activ Health App

Track your daily physical activity - from steps to gym workout sessions

Book your health check-up

Store your health records

Earn and track your HealthReturns™ to earn back up to 30% of your premium

Browse doctors, diagnostic centers & pharmacies in your area

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Quick Links

ACTIV HEALTH PLATINUM ENHANCED

UNIQUE FEATURES OF THE ACTIV HEALTH PLATINUM ENHANCED PLAN

Up to 100% HealthReturns™

Expert Health Coach

Double Sum Insured in just 2 Claim-free Years

100% Sum Insured Reload

Cover for Dental Consultation and Investigations

Coverage for Mental Illness Hospitalization

UNDERSTAND ACTIV HEALTH PLATINUM ENHANCED PLAN BETTER

WHAT IS NOT COVERED UNDER THE POLICY?

Why Aditya Birla Health Insurance?

Activ Health app

Healthcare Network

Anytime, anywhere 24x7 support

Quick and easy claim settlement

Trusted care managers

For more details, download our policy documents

Find a Cashless Hospital Network near you.

We put our faith in a better you, thank you for trusting us!

Are you ready to get insured?

Our Other Health Insurance Plans

Activ Assure Diamond

Activ Assure Diamond + Super Health Topup

Activ Secure - Critical

Looking for more answers? Check out our Health Insuarnce FAQs

Stay fit with our Activ Health App