How does the waiting period affect my coverage?

The plan includes a 30-day waiting period, with pre-existing conditions covered after 36 months and certain illnesses after 24 months. This ensures long-term coverage while managing risk effectively.

What happens if I don’t use my health insurance benefits for the entire year?

A No Claim Bonus (NCB) increases your sum insured by a fixed percentage each year for claim-free periods, providing additional coverage without extra cost, enhancing financial security for future medical expenses.

Does the Activ Health Platinum Enhanced Plan cover treatment abroad?

The plan offers coverage within India, with optional add-ons for limited international medical emergency coverage. Consider additional global health coverage or check with the insurer for international options.

Does the Aditya Birla Activ Health Platinum Enhanced include domiciliary treatment?

Yes, the Aditya Birla Activ Health Platinum Enhanced plan includes coverage for domiciliary treatment.

What are the co-payment options in the Aditya Birla Activ Health Platinum Enhanced?

The Aditya Birla Activ Health Platinum Enhanced plan does not impose any co-payment clause.

OneAssure

Health Insurance

Aditya Birla

Activ Health Platinum Enhanced

Aditya Birla Activ Health Platinum Enhanced

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

7.2

Customer Rating

Policy Brochure

Get a Quote

96%

Claim Settlement Ratio

11000+

Network Hospitals

7.2

Customer Rating

Policy Brochure

Our Verdict

Expert Review: Aditya Birla Activ Health Platinum Enhanced

Final Verdict

The Aditya Birla Activ Health Platinum – Advanced Plan offers comprehensive coverage, wellness benefits, and global healthcare, ideal for individuals and families. Add-ons like critical illness and maternity cover enhance flexibility. Premium pricing may be high.

About

About Aditya Birla Activ Health Platinum Enhanced

The Aditya Birla Activ Health Platinum – Enhanced Plan is a premium health insurance policy offering comprehensive coverage and wellness-focused benefits for individuals and families. This plan covers hospitalization expenses, pre- and post-hospitalization care, daycare treatments, and advanced medical procedures. It stands out with its extensive wellness benefits, including annual health check-ups, access to fitness and nutrition programs, and rewards for maintaining an active lifestyle. Coverage also extends to AYUSH treatments, chronic disease management from day one, and global healthcare for planned treatments abroad. With features like cashless hospitalization across a vast network of hospitals, optional riders for critical illness...

The Aditya Birla Activ Health Platinum – Enhanced Plan is a premium health insurance policy offering comprehensive coverage and wellness-focused benefits for individuals and families. This plan covers hospitalization expenses, pre- and post-hospitalization care, daycare treatments, and advanced medical procedures. It stands out with its extensive wellness benefits, including annual health check-ups, access to fitness and nutrition programs, and rewards for maintaining an active lifestyle. Coverage also extends to AYUSH treatments, chronic disease management from...

Enhanced Ratings

Ratings: Aditya Birla Enhanced

Insurer Rating

8.21

out of 10

Insurance Rating

8.75

out of 10

No Room Rent Limit

Yes

Consumables Covered

Yes

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 Enhanced

Room Rent

Room Options up to Sum Insured - 3 lakhs 1. Shared Room
2. Single Private A/C Room
ICU : ICU charges covered up to Sum Insured.

Advanced Treatments

Advanced medical treatments like Uterine Artery Embolization, High-Intensity Focused Ultrasound (HIFU), and Balloon Sinuplasty are transforming healthcare. Procedures such as Deep Brain Stimulation, Oral Chemotherapy, and Monoclonal Antibody-based Immunotherapy offer effective treatment options.

Co-payment

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

Cashless Healthcare Providers

12354+ network hospitals available.

Waiting Period

Initial Waiting Period : 30 Days (not applicable in case of accident and subsequent renewal) Waiting Period(s)
For Pre-Existing Disease Listed Disease/ Procedure Waiting Period : 36 months 24 months

Daycare Treatment

Covered by the policy.

AYUSH Treatment

Covered by the policy.

Room Rent

Room Options up to Sum Insured - 3 lakhs 1. Shared Room
2. Single Private A/C Room
ICU : ICU charges covered up to Sum Insured.

Advanced Treatments

Advanced medical treatments like Uterine Artery Embolization, High-Intensity Focused Ultrasound (HIFU), and Balloon Sinuplasty are transforming healthcare. Procedures such as Deep Brain Stimulation, Oral Chemotherapy, and Monoclonal Antibody-based Immunotherapy offer effective treatment options.

Co-payment

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

Exclusions

Claims for any treatment within the first 30 days from the policy's start date are excluded, except for accidental injuries.
Medical expenses related to pre-existing conditions are not covered until a waiting period of 36 months is completed.
Treatments for certain listed conditions, such as cataract, hernia, sinusitis, and joint replacement surgeries, are excluded for the first 24 months of the policy.
Self-inflicted injuries, suicide attempts, or harm caused due to hazardous activities are not covered.
Treatment related to alcohol or drug abuse, including rehabilitation, is excluded.

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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.