Does a day 1 chronic cover for conditions like diabetes or hypertension cover diagnostic tests and consultation?

Yes, under the chronic management programme, prescribed diagnostic tests and consultation related to managing your listed chronic condition (such as HbA1c tests for diabetes or lipid profile for high cholesterol) are covered from day one without waiting periods.

Are modern treatments such as robotic surgeries and stem cell therapy subject to disease sub-limits?

Modern treatments are covered up to the sum insured, but specific procedure sublimits or caps may apply depending on the treatment type and selected policy terms.

How does the 36-month PED waiting period apply if I have a pre-existing condition other than the listed chronic diseases?

While listed chronic conditions like diabetes, high BP, high cholesterol, and asthma get day 1 cover, any other pre-existing health condition, such as thyroid disorders or kidney stones, is subject to the standard 36-month waiting period.

If I develop a chronic illness after buying the policy, does it transition into the chronic management programme?

Yes, if you are diagnosed with a listed chronic condition after policy inception, you can enrol in the Chronic Management Programme at no extra charge to access outpatient management benefits and wellness support.

How does the mandatory 20% copayment affect my final claim amount during hospitalisation?

For every claim submitted, you are required to pay 20% of the total admissible bill out of pocket, while the insurer settles the remaining 80%. You can remove this requirement by purchasing the optional copayment waiver add-on.

What percentage of my premium can I earn back through HealthReturns under Platinum Essential?

You can earn up to 50% of your premium back as health returns by actively tracking physical activity, active dayz, and achieving a favourable health score during the health assessment.

Is mental health hospitalisation covered under Platinum Essential?

Yes, inpatient treatment for mental illness is covered up to defined sublimits (for example, 50,000 for 4 lakh sum insured or 1 lakh for 5 lakh sum insured and above).

OneAssure

Health Insurance

Aditya Birla

Activ Health Platinum Essential

Cover type 1 and type 2 diabetes, asthma, high blood pressure and high cholesterol from day one, earn up to 50% of premium as HealthReturns, and add 10% each claim-free year, up to 100% or ₹50 lakh, whichever is lower.

97.27%

Claim Settlement Ratio

11,000+

Network Hospitals

6.75/10

Plan Rating

Policy Brochure

Get a Quote

Our Verdict

Expert Review: Aditya Birla Activ Health Platinum Essential

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

What Is Activ Health Platinum Essential?

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% (max ₹50 lakhs). If you develop a chronic condition after buying the policy, you're automatically enrolled in the Chronic Management Program, which includes dedicated doctors and covered consultations and diagnostics up to ₹4,350.The plan also offers an optional waiver of mandatory co-payment as an add-on cover, making it flexible for buyers who want full coverage without out-of-pocket contributions at claim time.

Essential Ratings

Essential

Insurer Rating

8.21

out of 10

Insurance Rating

6.75

out of 10

No Room Rent Limit

Yes

Consumables Covered

No

No Co-payment

Yes

Loyalty Bonus >= 500%

Add on

No Disease Sublimits

Yes

Unlimited Restoration

Add on

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

No

Maternity Available

No

Waiting Period Waiver

No

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

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Inclusions

Aditya Birla Activ Health Platinum Essential Inclusions

Modern Treatment

Covered.

ICU Charges

Covered

Cumulative Bonus

10% per year, up to 100%

Consumable Cover

Optional/subject to policy.

Initial Waiting Period

30 days

Specific Waiting Period

24 months

PED Waiting Period

36 months

Annual Health Checkup

Once every policy year

Post-Hospitalisation

60 days

Outpatient Department Cover (OPD Expense)

Not standard base limit

Deductible Option

Subject to applicable optional benefit

Coverage Options

Individual / Family Floater

Maternity Cover

Available as an add-on

AYUSH Treatment

Covered.

Co-payment

20% mandatory unless applicable waiver is selected.

Pre-Hospitalisation

30 days

Claim Settlement Ratio

97%

Room Rent

Any room.

Cashless Healthcare Providers

16,500 + current insurer network

Disease-wise sublimits

Applicable.

Daycare Treatment

Covered.

Restoration Benefit

Available as add-on.

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About the company

About Aditya Birla

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 Insurance continues to build trust among policyholders. Its focus on innovation and holistic wellbeing makes it a dependable choice for those seeking comprehensive, wellness-driven health protection.

FAQs

Frequently Asked Questions

Got questions about health insurance? You're not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.