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Reviewed by Finzony Finance TeamLast updated:
Activ Health Platinum Enhanced is designed for people who want more than basic hospitalisation cover, combining health insurance with wellness and chronic-care support. The plan offers Sum Insured options up to ₹2 crore, up to 100% HealthReturns, 100% Sum Insured reload, daycare treatment, domiciliary care and cover for mental illness. It also provides pre- and post-hospitalisation coverage for 60 and 180 days respectively.
A comprehensive health plan combining up to 100% HealthReturns, chronic-care support, 100% Sum Insured reload and extensive hospitalisation benefits.
This plan stands out because it connects insurance protection with ongoing health management. Its Chronic Management Program can provide support for listed chronic conditions, while the Health Coach and Health Assessment features encourage preventive care. The plan also includes benefits such as cumulative bonus, annual health check-up, premium waiver for eligible listed illnesses and dental consultation for qualifying Sum Insured levels. Buyers should still check the latest policy wording for exact limits, eligibility, exclusions and applicable conditions.
Aditya Birla Health Insurance
Key Insights
Founded
2015
Aditya Birla Health Insurance was established 11 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
95.8% CSR, calculated as a 3-year average
Aditya Birla Health Insurance settles 95.8% of all claims it receives, demonstrating strong credibility.
Network Hospitals
13,000+
Aditya Birla Health Insurance has a network of 13,000+ hospitals, ensuring wide accessibility and convenience for policyholders.
Earn up to 100% of eligible policy premium through the HealthReturns wellness programme.
Rewards depend on applicable activity and policy conditions.
Get up to 100% of the Sum Insured reloaded during the policy year when the applicable conditions are met.
Subject to policy terms.
Covers eligible inpatient hospitalisation expenses up to the applicable Sum Insured.
Room eligibility depends on the selected Sum Insured.
Medical expenses before and after hospitalisation are covered for up to 60 and 180 days respectively.
Claim must meet applicable policy conditions.
Eligible daycare procedures are covered without requiring a 24-hour hospital stay.
Subject to policy terms and listed procedures.
Optional additional protection for eligible critical illnesses.
Available as an optional offering subject to terms and premium.
Optional protection for accidental death and permanent total disability.
Subject to applicable eligibility and policy conditions.
Initial waiting period: 30 days, except for accidental injury. Specified diseases/procedures generally have a 24-month waiting period and pre-existing diseases have a 36-month waiting period, subject to the applicable policy wording.
Initial Waiting Period
A 30-day initial waiting period generally applies, except in cases such as accidental injury, subject to policy terms.
Specified Diseases & Procedures
Specified diseases and procedures are generally subject to a 24-month waiting period.
Pre-Existing Diseases
Pre-existing diseases are generally subject to a 36-month waiting period, subject to applicable policy terms.
Eligible Chronic Management
The Chronic Management Program can provide Day-1 support for eligible listed chronic conditions when the insured qualifies for the programme.
Conditions or treatments that the policy clearly says it will not cover.
The plan provides chronic-care support through its Chronic Management Program. Official material highlights conditions such as asthma, high blood pressure, high cholesterol and diabetes, with the program designed to help manage eligible chronic conditions through medical guidance and outpatient support.
Insurer
Aditya Birla Health Insurance plans and claim process
Activ Health Platinum Enhanced is a health insurance plan from Aditya Birla Health Insurance combining hospitalisation coverage with wellness rewards and chronic-care management benefits.
The plan offers Sum Insured options going up to ₹2 crore, subject to the available policy options and underwriting.
Yes. Eligible policyholders can earn HealthReturns of up to 100% of the policy premium by meeting the applicable wellness and activity requirements.
Disclaimer: Premium amounts are indicative and may vary based on age, health, and plan selected. Claim settlement ratios are from IRDAI Annual Reports. Finzony is not an insurance broker or agent. Verify all details on the official Aditya Birla Health Insurance website before purchasing.
Contact Details
1800 270 7000
Headquarters: 9th Floor, Tower 1, One World Centre, Jupiter Mills Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai – 400013, Maharashtra, India.
The aforementioned ratios have been averaged over three years (FY24-FY26)
Optional international cashless protection for eligible major illnesses.
Coverage is subject to the selected option and policy wording.
Eligible outpatient support for listed chronic conditions through the applicable Chronic Management Program.
Available under programme conditions.
One policy-year premium can be waived following diagnosis of an eligible listed illness for qualifying adult insured members.
Subject to the policy conditions and qualifying illnesses.
HealthReturns rewards eligible healthy behaviour based on the Activ Health programme, including qualifying activity and health assessment criteria.
Yes, eligible pre-existing diseases can be covered after the applicable waiting period, generally 36 months unless the policy provides otherwise.
Specified diseases and procedures generally have a 24-month waiting period, subject to the policy wording.
The standard initial waiting period is 30 days, although it does not generally apply to treatment required because of an accident.
Yes. Eligible daycare procedures are covered up to the applicable Sum Insured.
Yes. Eligible domiciliary or home-based treatment can be covered when the treatment satisfies the applicable policy requirements.
Yes. Eligible mental illness hospitalisation is covered subject to the terms, conditions and exclusions of the policy.
It is a specialised programme designed to help eligible members manage listed chronic conditions through medical guidance, health coaching and applicable outpatient support.
Official programme information highlights conditions including asthma, high blood pressure, high cholesterol and diabetes, with other listed conditions subject to the applicable programme terms.
Yes. The plan provides a Health Assessment / health check-up benefit once in a policy year, subject to applicable terms.
Dental consultation and investigation benefits are available subject to the qualifying Sum Insured and applicable policy conditions.
The plan provides a reload of up to 100% of the Sum Insured when the applicable conditions are met during the policy year.
Eligible claim-free renewals can earn a cumulative bonus of 50% of Sum Insured per qualifying year, subject to a maximum of 100% and applicable limits.
Yes. Eligible road ambulance expenses are covered according to the network and policy conditions, with specific limits potentially applying to non-network providers.
Yes. Eligible AYUSH treatment is covered up to the applicable Sum Insured subject to policy conditions.
Yes. Critical Illness Cover is listed as an optional offering and can be selected subject to availability, premium and policy conditions.
There is no maximum age at entry according to the official plan information. Minimum entry ages differ between individual and family floater configurations.