Aditya Birla

Aditya Birla Activ Health Platinum Insurance

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Key features

  • Earn up to 100% HealthReturns: Stay healthy and earn up to 100% of your premium
  • Double your Sum Insured in just 2 years : Earn 50% No Claim Bonus for every claim free year up to a maximum of 100% of Sum Insured
  • Access to Expert Health Coach : For guidance on medical, nutritional, fitness, mental counselling session, homeopathy teleconsultation
  • Health Assessment and Health Check-up Program : Evaluate your health with a Healthy Heart Score

Activ Health: Platinum Enhanced Plan – Overview

  • Product Features
  • Eligibility
Product Features Platinum Enhanced
Sum Insured (in Rs.) 2 lakhs, 3 lakhs, 4 lakhs, 5 lakhs, 6 lakhs, 7 lakhs, 8 lakhs, 9 lakhs, 10 lakhs, 15 lakhs, 20 lakhs, 25 lakhs, 30 lakhs, 40 lakhs, 50 lakhs, 100 lakhs, 150 lakhs, 200 lakhs
In-patient Hospitalisation Room Options up to Sum Insured - 3 lakhs
1. Shared Room 2. Single Private A/C Room
Room Options Sum Insured 4 lakhs and above
1. Shared Room | 2. Single Private A/C Room | 3. Any Room
ICU charges covered up to Sum Insured
Pre-hospitalisation Medical Expenses 60 days
Post-hospitalisation Medical Expenses 180 days
Day Care Treatment Covered up to Sum Insured
Domiciliary Hospitalisation Covered up to Sum Insured
Road Ambulance Cover Covered up to actual expenses per event in case of network providers
Reimbursed up to 5,000 per hospitalisation for non-network providers
Organ Donor Expenses Covered up to Sum Insured
Reload of Sum Insured Available (up to 100% of Sum Insured)
AYUSH Cover Covered up to Sum Insured
Mental Illness Hospitalisation Covered up to Sum Insured
Obesity Treatment Covered up to Sum Insured
Obesity Treatment Covered up to Sum Insured
Home Treatment Covered up to Sum Insured
Modern Treatment Methods and Advancement in Technologies Up to Sum Insured for Listed Procedures
Domestic Emergency Assistance Services (including Air Ambulance) Available
International Emergency Assistance Services (including Air Ambulance) Available
OPD Cover 1000 available for Sum Insured 15 lakhs and above
Premium Waiver 1 Policy year premium waiver in case of detection of listed illnesses for adults 18 years & above
Co-payment for treatment in higher zone 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
Cumulative Bonus Applicable on Sum Insured:
50% increase, max up to 100% (up to a maximum of 1 Cr)
Health Check-up Program Available, once in a policy year
Second E-Opinion for Major Illnesses Available
Dental Consultation & Investigations Available for Sum Insured 15 lakhs and above
Recovery benefit 1% of Sum Insured, max of 10,000
(For consecutive 10 days of hospitalization due to accident)
Chronic Management Program(OPD) Available, As per Annexure 1
Health Assessment Available
HealthReturns Available, up to 100% of Premium
Expert Health Coach For Sum Insured upto 3 lakhs:
Available - Medical, Nutritional, Mental & Fitness
For Sum Insured 4 lakhs and above:
Available - Medical, Nutritional, Fitness & Mental Counselling session, Homeopathy teleconsultation

Eligibility and Coverage

Eligibility Minimum Age at Entry Maximum Age
Family Floater Policy 91 days – Dependent child
18 years – Adult
No Maximum age at entry
Individual Policy 5 years No Maximum age at entry

Aditya Birla Health Insurance FAQ’s

Yes, you can. However, in this case- you'll have to claim for Reimbursement as Cashless Claims are available at our network hospitals only.

We’ll be here for you no matter what time or day it is. Just give us a ring at 1800-270-7000 and we’ll sort things out for you.

Yes, ABHI’s health insurance policy is valid pan India.

Yes, a health insurance claim can be rejected if it doesn’t comply with your policy’s terms and conditions. For example: If you claim for a pre-existing disease-related treatment before completing the waiting period, your claim may be rejected.

Yes, you can if it is a daycare procedure or an OPD – provided that you’ve opted for an OPD cover in your health insurance.

The right age to buy a health insurance would be while you’re still young. This is because, premiums are a lot cheaper and you complete waiting periods sooner too! Additionally, with healthcare expenses off the roof, if you ever need treatment for an illness – a health insurance will ensure it doesn’t eat up your early savings which you can instead use for your travels.

Yes, your spouse, children and parents can be added as a dependant under the floater plan. The policy can also be taken for your father, mother, father-in-law, mother-in-law, son, daughter-in-law, daughter, grandparents, and grandchildren on individual basis. Your unmarried children, under the age of 18, are eligible as dependants under the policy. Your children enrolled as full-time education students are eligible until the age of 25.

No, all benefits shall be payable when incurred in India only, in Indian rupees.

Aditya Birla Health has an extensive network of 5,900+ network hospitals across India growing steadily over the years. One must get admitted to a network hospital in order to avail cashless treatment for their illness. One can get the hospital closest to them by going through the Aditya Birla Health network hospital list available on

The premium paid on a health insurance policy is eligible for deduction under Section 80D of the Income Tax Act. So save with your policy now.


Review Aditya Birla Life Activ Health Platinum Plan Insurance brochure to understand coverage details.

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Policy wordings

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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2025