Aditya Birla Activ Health Platinum Enhanced Plan
Aditya Birla Health Insurance
7.2/10
OneAssure Rating
7.2/10
OneAssure Rating
Highlighted Features
Room Rent (Normal & ICU)
This policy includes room rent coverage, offering a single private room for normal hospitalization and no cap on ICU stays.
Advanced Treatments
Coverage includes advanced treatments such as coronary angiography, cancer radiotherapy, chemotherapy, and palliative care, ensuring access to essential medical support during critical times.
Brochure
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Our Verdict
The Aditya Birla Activ Health Platinum – Advanced Plan offers comprehensive coverage, wellness benefits, and global healthcare, ideal for individuals and families. Add-ons like critical illness and maternity cover enhance flexibility. Premium pricing may be high.
About the Plan
The Aditya Birla Activ Health Platinum – Enhanced Plan is a premium health insurance policy offering comprehensive coverage and wellness-focused benefits for individuals and families. This plan covers hospitalization expenses, pre- and post-hospitalization care, daycare treatments, and advanced medical procedures. It stands out with its extensive wellness benefits, including annual health check-ups, access to fitness and nutrition programs, and rewards for maintaining an active lifestyle. Coverage also extends to AYUSH treatments, chronic disease management from day one, and global healthcare for planned treatments abroad. With features like cashless hospitalization across a vast network of hospitals, optional riders for critical illness and personal accidents, and no upper age limit for renewal, the Activ Health Platinum – Advanced Plan ensures holistic health protection and financial peace of mind.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent (Normal & ICU)
Room Options up to Sum Insured - 3 lakhs
1. Shared Room
2. Single Private A/C Room
ICU : ICU charges covered up to Sum Insured.
Advanced Treatments
Advanced medical treatments like Uterine Artery Embolization, High-Intensity Focused Ultrasound (HIFU), and Balloon Sinuplasty are transforming healthcare. Procedures such as Deep Brain Stimulation, Oral Chemotherapy, and Monoclonal Antibody-based Immunotherapy offer effective treatment options.
Co-payment
For Sum Insured 3 lakhs and below -
- Zone II to Zone I: 10% Zone III to Zone II: 15% Zone III to Zone I: 25%
- For Sum Insured 4 lakhs and above - Not Applicable
Waiting Periods
Initial Waiting Period : 30 Days (not applicable in case of accident and subsequent renewal) Waiting Period(s)
For Pre-Existing Disease Listed Disease/ Procedure Waiting Period : 36 months 24 months
Cashless Healthcare Providers
12354+ network hospitals available.
Day Care Treatments
Covered by the policy.
AYUSH Treatment
Covered by the policy.
Exclusions
Claims for any treatment within the first 30 days from the policy's start date are excluded, except for accidental injuries.
Medical expenses related to pre-existing conditions are not covered until a waiting period of 36 months is completed.
Treatments for certain listed conditions, such as cataract, hernia, sinusitis, and joint replacement surgeries, are excluded for the first 24 months of the policy.
Self-inflicted injuries, suicide attempts, or harm caused due to hazardous activities are not covered.
Treatment related to alcohol or drug abuse, including rehabilitation, is excluded.
Cosmetic or plastic surgery, unless medically necessary due to an accident or burns, is not covered.
Exclusions
Outpatient Coverage - This add-on covers expenses for outpatient consultations, diagnostic tests, and prescribed medications, including alternative treatments. It ensures that medical costs incurred without hospital admission are reimbursed.
Deductible Option - By selecting this add-on, you agree to pay a specified amount out-of-pocket each policy year before the insurance coverage begins. This can lower your premium costs.
Maternity Coverage - This add-on provides coverage for maternity-related expenses after a 24-month waiting period. It includes costs for delivery, medically necessary treatments related to maternity, and lawful medical termination of pregnancy, up to two events during the insured person's lifetime.
Hospital Cash Benefit - With this add-on, you receive a fixed daily benefit for each continuous 24-hour hospitalization period, up to a maximum of 30 days per policy year and 10 days per claim. This benefit helps cover incidental expenses during hospital stays.
Critical Illness Cover - This add-on provides a lump-sum payment if you're diagnosed with specified critical illnesses such as cancer, kidney failure, or stroke. This financial support can assist with treatment costs and other related expenses.
Add-ons
Looking for a Specific Hospital ?
Why OneAssure?
We help you maximize your coverage over time for stronger protection.
About the Company
Aditya Birla Health Insurance Company (ABHICL), part of Aditya Birla Capital Ltd., is a trusted health insurance provider backed by the Aditya Birla Group and South Africa’s MMI Holdings. Since starting in 2015, ABHICL has focused on offering unique health plans like Chronic Care (for ongoing illnesses) and Incentivized Wellness, which promotes healthier living by rewarding good habits.
With pre-policy medical checkups for adverse pre-existing conditions, the company ensures tailored coverage and transparency, making it a trusted choice for individuals with specific and specialized health requirements.
Serving 21+ million lives, it combines comprehensive coverage with wellness benefits, empowering individuals to lead healthier lives with unparalleled care and support.
About the Company
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