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 Featured Video What is this plan about? 2 mins watch
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.)
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.)
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.
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 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.
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 TreatmentDue 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.
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 CoverWe 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 ExpensesAll 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 InsuredYour 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 CoverYour 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 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.
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.
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.
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.
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.
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.
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 CoverUnforeseen 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.
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.
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.
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:
If you want to know the complete list of exclusions, check the policy wording.
The minimum age at entry under Activ Health – Platinum Enhanced is 91 days.
There is no maximum age at entry.
Minimum age at entry :
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
Track and improve your health, get rewarded with HealthReturns™, and access your policy, all from your smartphone.
Make convenient cashless payments at 6000+ network hospitals in 650+ cities in India. Get access to 800+ fitness centers, including gyms, yoga, dance classes & more.
Reach out to our customer support team on WhatsApp and get your doubts and queries answered instantly.
Get claims processed faster by our in-house claim settlement claim settlement team and receive an e-mail/SMS update within 2 hour.
Get step by step help with filing claims and managing paperwork and discharge during hospitalization from your dedicated Care Manager.
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.
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
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.
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.
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.
90% of our members believe that by taking health insurance not only did it save them time and money but also improved their lifestyle.
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.
Aditya Birla Health Insurance Co. Limited. IRDAI Reg.153. CIN No. U66000MH2015PLC263677. 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 Fax: +91 22 6225 7700 Phone: 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). Product and UIN. 1. Group Activ Health (IRDAI/HLT/ABHI/P-H(G)/V.1/19/2016-17); 2. Group Activ Secure (IRDAI/HLT/ABHI/P-H(G)/V.1/18/2016-17); 3. Activ Health (IRDAI/HLT/ABHI/P-H/V.1/32/16-17); 4. Activ Secure (ADIHLIP18076V011718); 5. Activ Assure (ADIHLIP18077V011718); 6. Activ Care, Product UIN: ADIHLIP20001V011920; 7. Group Activ Travel, Product UIN : ADITGBP19020V011819. 8. Acitv Fit, Product UIN : ADIHLIP22008V012223. #Claim settlement ratio for the financial year of 22-23. Tax benefits are subject to changes in tax laws. Figures displayed on homepage are as on September 2023. For more details on risk factors, terms and conditions please read terms and conditions carefully before concluding a sale. Category of Certificate: Health Insurance. Validity of Certificate of Registration: In Force
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