Activ Health - Platinum (enhanced + essential) Aditya Birla Health Insurance
Health is the foundation of everything we do, yet it often remains overlooked or underinsured. While we readily protect our vehicles, gadgets, and homes, our own well-being frequently takes a backseat. But health emergencies are unpredictable; no one plans to fall ill. One day, you may be enjoying life as usual, and the next, you could find yourself in a hospital, burdened by medical expenses. This is where a reliable health insurance plan becomes indispensable.
The Aditya Birla Activ Health Platinum Essential Health Insurance Plan provides immediate protection against various listed health concerns, including cholesterol and blood pressure. With wide coverage and a large network of hospitals, features like cashless treatment and health check-ups are available when you need them most.
Activ Health - Platinum (enhanced + essential) Aditya Birla Health Insurance
Claim settlement ratio - 96%
NCB* - 50%, up to 100% of SI
PED Waiting# - 48 months
Network Hospital - 11,000+
Get a variety of hospitalisation and health benefits.
Access to health returns of up to 50% of your premium.
Immediate coverage from day 1 for chronic concerns
Access to expert guidance on mental, nutritional, and medical health.
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Pros & Cons Activ Health - Platinum (enhanced + essential)Aditya Birla Health Insurance
Our verdict
Opting for a high sum insured in health insurance, like the Care Advantage plan, is a proactive step toward financial well-being, safeguarding both health and wealth in the long run. It becomes possible for families to get quality healthcare services affordably.
If you haven’t done it already, get your health insurance policy from PayBima today!
Aditya Birla
Health Insurance Company
Aditya Birla Health Insurance Company Limited was incorporated in 2015 as a joint venture between the Aditya Birla Group and MMI Holdings of South Africa with 51% and 49% stake respectively. The company is a subsidiary of Aditya Birla Capital Limited.
The company offers a wide range of health insurance products consisting of unique insurance covers and offerings including incentive wellness and chronic care. The company believes in transparency, technology, trust and efficient customer service.
Claims Experience
% of claims settled in less than 30 days Reflects on the speed of settling valid claims
% of Complaints received on overall claims % customers unhappy with claims experience
Claims Incurred Ratio Claim Settlement Ratio (No. of claims) No. of Cashless Hospitals Benefits of Activ Assure Diamond Aditya Birla Health Insurance
| In-patient Hospitalization | |
| ICU Rent Limit |
No limit |
| Room Rent Limit |
No limit |
| Pre & Post Hospitalization | |
| Post-hospitalization expenses covered up to (test)(test) |
Sum Insured |
| Post-hospitalization expenses are covered for up to |
180 days after the date of discharge from the hospital |
| Pre-hospitalization expenses covered up to |
Sum Insured |
| Pre-hospitalization expenses are covered for |
Pre-hospitalization expenses are covered for – 60 Days before hospitalization |
| Day Care Treatment | |
| Financial Limit |
As specified in the policy schedule |
| No. of treatments covered |
527 Daycare treatments covered |
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Wide range of trusted providers
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Ask Anything as We Have Answers to Everything in Insurance
To find a network hospital or to find the list of the network hospitals of the insurer, you can check the official website of the company. Alternatively, you can also call at the toll-free no. @ 1800 103 1033 to avail the required information.
In some instances, the cashless facility for hospitalization may be denied because of insufficient sum insured. It may also be denied if there is insufficient information whether the treatment is covered or not under the policy. In that case, the insured might have to go through a reimbursement treatment policy of paying the hospital bill first and then raising the claim of compensation.
In case of cashless treatment, the insured is needed to settle all non-admissible expenses directly with the hospital, including co-pay and deductibles, whichever is applicable.
No, it is better to furnish claim forms and documents on the required time to avoid any hassle in claims.
Normally, claims are settled by the insurer within 30 days of the receipt of all the necessary information and documents.
Yes, smokers can also opt for the Platinum Essential Health Insurance Plan. However, your premiums may vary based on your smoking habits.
The Platinum Essential Health Insurance Plan offers a range of add-on options, including personal accident coverage, critical illness coverage, a hospital cash benefit, and a waiver of mandatory co-payment, among others.