Does Activ Health Platinum Essential offer cashless hospitalisation?

Yes. You can avail cashless treatment at any of ABHI's 10,000+ network hospitals. Call 1800-270-7000 at least 48 hours before a planned hospitalisation to initiate the process.

How long does ABHI take to approve cashless claims?

ABHI typically responds to pre-authorisation requests within 2 hours of receiving them at the hospital.

What documents are required to file a claim?

You'll need your policy document, hospitalisation records, discharge summary, original bills and receipts, and a valid ID proof. For reimbursement claims, submit these to ABHI post-discharge.

Is pre-authorisation mandatory for cashless claims?

Yes. You need to submit a pre-authorisation form at the network hospital at least 24 hours before admission. For emergencies, inform ABHI within 24 hours of hospitalisation.

What chronic conditions are covered from Day 1?

Diabetes (Type 1 & Type 2), Asthma, High Blood Pressure, and High Cholesterol are covered from the very first day of the policy — no waiting period applies.

What is the Chronic Management Program?

If you develop a covered chronic condition after policy inception, you're automatically enrolled. The program gives you access to assigned doctors and covers consultations and diagnostic tests up to ₹4,350.

Are pre-existing conditions covered under this plan?

The four listed chronic conditions — Diabetes, BP, Asthma, High Cholesterol — are covered from Day 1. For other pre-existing diseases, standard waiting periods apply as per policy terms and conditions.

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Health Insurance

Aditya Birla

Activ Health Platinum Essential

Experience India's most trusted health insurance with Aditya Birla Health Insurance. Get instant cashless treatment at 8000 network hospitals with sum insured up to ₹50 lakhs.

96

Claim Settlement Ratio

8000

Network Hospitals

0

Customer Rating

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96

Claim Settlement Ratio

8000

Network Hospitals

0

Customer Rating

Our Verdict

Expert Review: Aditya Birla Health Insurance

Final Verdict

Activ Health Platinum Essential is purpose-built for people managing chronic conditions like Diabetes, Blood Pressure, Asthma, or High Cholesterol. Most insurers make you wait 2–4 years before covering these — ABHI covers them from Day 1. Add wellness rewards, free health coaching, and a no-claim bonus, and this plan stands out as one of the more proactive health insurance products in the affordable segment.

About

About Aditya Birla Health Insurance

Activ Health Platinum Essential is an affordable individual health insurance plan from Aditya Birla Health Insurance (ABHI) that offers coverage starting from Day 1 — including for pre-existing chronic conditions. The plan covers full hospitalisation expenses including room rent, ICU, doctor fees, and modern treatments, along with 30 days pre and 60 days post-hospitalisation costs. 586 day-care procedures are covered, and road ambulance expenses are included. What sets this plan apart is its wellness ecosystem. Policyholders get access to Expert Health Coaches, a free annual preventive health check-up, and the HealthReturns™ feature — which lets you earn back up to 50% of your annual premium simply by staying active. A 10% No-Claim Bonus is added to your sum insured every claim-free year, up to 100%...

Activ Health Platinum Essential is an affordable individual health insurance plan from Aditya Birla Health Insurance (ABHI) that offers coverage starting from Day 1 — including for pre-existing chronic conditions. The plan covers full hospitalisation expenses including room rent, ICU, doctor fees, and modern treatments, along with 30 days pre and 60 days post-hospitalisation costs. 586 day-care procedures are covered, and road ambulance expenses are included. What sets this plan apart is its wellness ecosystem....

Inclusions and Exclusions

Inclusions and Exclusions of Aditya Birla Insurance Company Limited

Co-payment

Mandatory co-payment applies on all claims

Cashless Healthcare Providers

Access to 10,000+ network hospitals across India for cashless treatment

AYUSH Treatment

Not mentioned in the brochure — verify from policy wordings before filling

Room Rent

Normal: Single private room
ICU: As per policy terms and conditions

Advanced Treatments

Modern treatments covered as per policy terms

Waiting Period

Initial Waiting Period: 30 days from policy inception, except accidents
Pre-existing Conditions: As per policy terms and conditions
Chronic Conditions (Diabetes, BP, Asthma, High Cholesterol): No waiting period — covered from Day 1

Daycare Treatment

586 day-care procedures covered

Co-payment

Mandatory co-payment applies on all claims

Cashless Healthcare Providers

Access to 10,000+ network hospitals across India for cashless treatment

AYUSH Treatment

Not mentioned in the brochure — verify from policy wordings before filling

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Exclusions

Not available

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About the company

Aditya Birla Health Insurance, part of the Aditya Birla Capital Group, is among India’s most reliable and customer-centric health insurers. The company aims to go beyond basic protection by focusing on preventive healthcare, wellness programs, and rewards for maintaining a healthy lifestyle. It provides a wide range of health plans for individuals, families, and senior citizens, offering flexible sum insured options and comprehensive benefits. With a strong network of over 8,000 hospitals across India, Aditya Birla ensures easy access to quality medical care through a smooth cashless claim process. The insurer also offers features like chronic care management, annual health check-ups, and value-added wellness services to promote long-term health. Backed by 24/7 customer support, quick claim settlement, and a transparent service approach, Aditya Birla Health...

Aditya Birla Health Insurance, part of the Aditya Birla Capital Group, is among India’s most reliable and customer-centric health insurers. The company aims to go beyond basic protection by focusing on preventive healthcare, wellness programs, and rewards for maintaining a healthy lifestyle. It provides a wide range of health plans for individuals, families, and senior citizens, offering flexible sum insured options and comprehensive benefits. With a strong network of over 8,000 hospitals across India, Aditya...