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.

OneAssure

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 11000 network hospitals with sum insured up to ₹50 lakhs.

96%

Claim Settlement Ratio

11000+

Network Hospitals

0

Customer Rating

Policy Brochure

Get a Quote

96%

Claim Settlement Ratio

11000+

Network Hospitals

0

Customer Rating

Policy Brochure

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

About Aditya Birla 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...

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....

Essential Ratings

Ratings: Aditya Birla 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 and Exclusions

Inclusions and Exclusions of Aditya Birla Activ Health Platinum Essential

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.

Modern Treatment

Covered.

ICU Charges

Covered

Cumulative Bonus

10% per year, up to 100%

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...

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...

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.