In Patient Hospitalisation, Pre-hospitalization Medical Expenses, Post-hospitalization Medical Expenses, Day care Treatment, Domiciliary Hospitalization , Road Ambulance Cover, AYUSH In-patient Hospitalization , Health Check-up program, Mental Illness Hospitalization , Obesity Treatment, Home Care Treatment Expenses , Second E-Opinion on Critical Illness, Chronic Management Program, HealthReturns, Health Assessment, Cumulative Bonus, 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

Activ Health Platinum Essential Health Insurance Plan

Q: Why Aditya Birla Health Insurance?

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

Health Insurance + Wellness Benefits + Chronic Care

Protect yourself from chronic illnesses like asthma, high blood pressure, high cholesterol, and diabetes with a comprehensive plan that goes beyond hospitalization cover.

Premium starting at

₹5,579* /annum

Download Brochure Get a call back

Key highlights

Up to 50% HealthReturnsTM

Stay healthy and earn up to 50% of your premium.

Earn Cumulative Bonus

Cumulative bonus of 10% of Sum Insured for every claim-free year. Max. accumulation of 100% SI or up to 50 lakhs.

Day 1 Chronic Cover

Get Day 1 cover for Chronic Illnesses like Diabetes, High Cholesterol, High Blood Pressure & Asthma.

HLTH Meter (Optional)

HLTH Meter empowers you to monitor, evaluate, and manage your mental health. It includes Assessment of mental health, Stress detection and management with a wearable device, Complimentary consultations for mental health, Unlimited tele/online support and Steps & calorie tracking for rewards with a wearable device.

Access To Expert Health Coach

For guidance on medical, nutritional, fitness and mental health.

Day Care Treatments

Covers 586 day-care procedures that may not require 24 hours hospitalization.

What’s Covered?

HealthReturns

Our policy rewards you for staying fit and healthy and these rewards are accumulated in the form of HealthReturns. You can start earning HealthReturns by completing the following steps

1. Complete a health assessment which as a result provides you a healthy heart score

2. Start exercising to earn Activ Dayz

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

You can use these HealthReturns for something as small as getting medicines for a fever or even for a surgery that is not covered due to a waiting period or exclusion in the policy. Furthermore, you can use HealthReturns for paying your premium from the 1st renewal of the policy.

Chronic Management Program

We know that you don't choose the illnesses that you get; they can happen to just about anyone. Illness like diabetes, hypertension, high cholesterol and asthma can be controlled if proper medication and control is followed. Our team of specialists and doctors has designed a special program to help you control these conditions to keep you healthy. This includes consultation with medical practitioners, diagnostics tests

In Patient Hospitalisation

If it is a planned treatment or an unforeseen emergency and you need to stay in the hospital for more than 24 hours, we will cover expenses like room rent, doctor’s fee, operation theatre expenses, medicines, drugs and other consumables under the policy as per your eligibility. Room options for SI above 4 lakhs: Shared room, Single private a/c room & any room.

HLTH Meter (Optional)

Pre-hospitalization Medical Expenses

You may incur expenses for consultations or diagnostic tests before your hospitalization, such costs will be covered up to 30 days before your hospitalization, where the hospitalization claim is accepted by the company.

Post-hospitalization Medical Expenses

You may incur expenses for medicines, diagnostic tests and other such costs will be covered up to 60 days after your discharge from the hospital where the hospitalization claim is accepted by the company

Day care Treatment

Due to advancements in medical science, certain medical procedures like a dialysis may not require a 24-hour hospitalization, we will cover you for such procedures as well

Domiciliary Hospitalization

Covers medical expenses for medical treatment at home for a period exceeding three consecutive days which would otherwise have necessitated hospitalization.

Road Ambulance Cover

We will cover cost incurred towards transportation by road ambulance to a nearest hospital with adequate medical facility in case of an emergency.

AYUSH In-patient Hospitalization

We will pay you for medical expenses incurred by you towards your in-patient hospitalization under AYUSH (Ayurveda, Yoga and Naturopathy, Unani, Siddha, and Homeopathy) treatment

Health Check-up program

We will provide a free health check-up for each adult once in a policy year based on the sum insured opted.

Mental Illness Hospitalization

We will cover the medical expenses incurred by you (up to the Sum Insured of Rs. 4L -Rs 50,000 and sum insured Rs. 5L & above - Rs 1,00,000) towards in-patient hospitalization specifically for any Mental Illnesses. 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

The problem of obesity is commonly faced by many. We understand it holds you back from having a healthy physical and mental well-being. Through this benefit we help you cover medical expenses for Bariatric Surgery which is medically necessary, on the written advice of a Medical Practitioner. However, a prior approval should be taken from us before the Bariatric Surgery is performed and the minimum age for surgery is 18 years.

Home Care Treatment Expenses

You can avail treatment at home (upto Sum Insured of Rs. 4L - Rs 25,000 and Sum Insured of Rs. 5L & above - Rs 50,000) for Illnesses / Injuries such as chemotherapy, dengue, gastroenteritis, hepatitis, peritoneal dialysis on a cashless basis. Only to be availed through our Network Provider / Empanelled Service Providers providing such facility..

Second E-Opinion on Critical Illness

When it comes to detection of a major illness such a cancer kidney failure or heart attack, then a second opinion is always helpful We understand that and provide you with a second e-opinion through a consortium of well qualified international specialists.This benefit is available on Cashless Facility basis only.

Health Assessment

Health Assessment measures MER including BP, BMI HWR and smoking status, Blood Sugar and Total Cholesterol.

Cumulative Bonus

If you have not made any claim a Policy Year and have successfully renewed the policy with us continuously and without any break, you will be eligible for Cumulative Bonus benefit. You can get up to 10% increase in your Sum Insured without an associated increase in premium, but maximum up to 100% of Sum Insured or up to INR 50 lakhs.

Expert Health Coach

It's great to have access to Expert Health Coach. You can get counselling from the following based on you need: Medical Counselling and General Wellness and lifestyle, Nutrition Coach on general nutrition and diet. Also helps in Knowing your mental health status.

Modern Treatment Methods and Advancement in Technologies

Due to advancement in technologies, covers Modern Treatment methods like Robotic robotic surgeries, oral chemotherapy, stem cell therapy and more as a part of in-patient hospitalisation or day care treatments.

Hospital Cash Benefit

For each day that you get hospitalized, you 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 Rs. 500 to Rs.5000 (in multiples of Rs.500) based on your needs. This is an optional cover.

Personal Accident Cover

Accident and injuries can strike out of the blue and disrupt your life adversely. With Personal Accident cover, you can live your life without worrying about such possibilities. For a small premium, secure yourself and your family from financial implications of fatal accidents. The payout will be as per the Sum Inured. 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, under medically necessary treatment you will be advised for an international treatment. We cover planned in-patient hospitalisation expenses for 16 major listed illnesses. This benefit is applicable only for Insured Person(s) who are Indian Citizens residing in India and with base sum insured of 10L and above. You can get covered for sum Insured INR 3 Cr and 6 Cr. This is an optional cover.

Critical Illness Cover

Developing a critical illness poses a greater risk. Besides the physical and emotional stress, a Critical Illness can drain you financially. Hence having a Critical Illness cover for up to 20 listed critical illnesses helps you overcome financial shortcomings. A short Survival Period is required of 15 days following the initial diagnosis of a critical illness. Initial waiting period of 90 days is applicable. This is an optional cover.

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Check Eligibility
Waiting period

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

The is no maximum age at entry.

i. 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.

ii. 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)
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

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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