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Wellness-First Plan

Aditya Birla Activ Health Platinum Enhanced

Aditya Birla Health Insurance  ·  Private Sector  ·  Aditya Birla Group
₹1,350
Per Month (Indicative)
95.8%
Claim Settlement Ratio
11,000+
Network Hospitals
₹2 Cr
Maximum Sum Insured

Plan Highlights

Activ Health is India's most wellness-integrated health insurance plan, rewarding you for staying healthy while covering chronic illnesses from day 1.

Maternity Benefit Included

Normal and caesarean delivery expenses are covered in the Platinum Enhanced plan, along with newborn cover from birth, subject to a 2-year waiting period.

Personal Accident Cover

Accidental death and permanent total disability lump sum cover is bundled into the plan, removing the need for a separate personal accident policy.

Dental Cover

Dental treatment expenses arising from an accident or illness are covered, a benefit largely absent in most standard health insurance policies.

No Room Rent Sub-limit

Any room category can be chosen during hospitalisation without triggering proportional deductions on other charges — no hidden reductions.

Wellness Coaching App

The Activ Health app provides a personalised wellness coach, step tracking, health assessments, and specialist consultations to support proactive health management.

Detailed Coverage Table

Full breakdown of Activ Health Platinum Enhanced coverage.

Coverage FeatureDetails
In-patient HospitalisationCovered fully
Pre-hospitalisation Expenses60 days
Post-hospitalisation Expenses180 days
Room RentAny category (no sub-limit)
ICU ChargesCovered (no sub-limit)
Day-Care ProceduresAll covered
Chronic Management Program (CMP)Day 1 cover for listed chronic conditions on CMP enrollment
HealthReturns Wellness RewardUp to 30% of premium back
Mental Wellness CoverIn-patient psychiatric care covered
Maternity BenefitNormal + C-section + newborn cover (2-year wait)
Personal Accident CoverAccidental death and permanent disability
Dental CoverCovered (accident or illness related)
AYUSH TreatmentCovered
Domiciliary HospitalisationCovered
Cumulative Bonus (NCB)Up to 100%
Restore BenefitAvailable
Ambulance CoverRoad + air ambulance in some variants
Pre-existing Disease Wait (non-CMP)3 years (36 months)
Chronic Pre-existing (CMP enrolled)Day 1 cover
Initial Waiting Period30 days (except accidents)
Network Hospitals11,000+
International CoverNot in standard plan
OPD ExpensesLimited OPD via app in some variants

Who Should Buy Activ Health Platinum Enhanced?

This plan is engineered for health-conscious buyers and those managing chronic conditions.

People with Diabetes or Hypertension

The Chronic Management Program covers diabetes and hypertension from day 1 without waiting 3 years. No other standard plan offers this. CMP enrollment is a must.

Young Families Planning for Children

Maternity benefit and newborn cover built into the Platinum Enhanced plan make it ideal for couples planning to have children in the next 2-3 years.

Health-Conscious Active Individuals

If you exercise regularly and track your health, HealthReturns can return up to 30% of your premium annually, effectively reducing your net insurance cost significantly.

Professionals Seeking Comprehensive Cover

Mental wellness cover, dental cover, and personal accident bundled into one policy reduces the need for multiple separate policies and simplifies insurance management.

Pros and Cons

An honest assessment before you decide.

Pros

  • Chronic illness covered from day 1 via CMP — unique in India
  • Up to 30% premium back via HealthReturns wellness rewards
  • Mental wellness in-patient cover included
  • Maternity and newborn cover in the base plan
  • No room rent sub-limit
  • Personal accident cover bundled in
  • Dental cover included
  • Up to ₹2 Crore sum insured
  • NCB up to 100%
  • Industry-leading app and wellness ecosystem

Cons

  • Highest premium at ₹1,350/month among shortlisted plans
  • CMP day-1 cover requires active program enrollment and compliance
  • HealthReturns requires consistent app usage to maximise returns
  • 95.8% claim ratio is lower than Bajaj Allianz (96.8%) and New India (98.9%)
  • Maternity benefit has 2-year waiting period
  • Network of 11,000+ hospitals is mid-range
  • Plan complexity can be overwhelming for first-time buyers

Frequently Asked Questions

Common questions about Aditya Birla Activ Health Platinum Enhanced, answered plainly.

On policy issuance, you register for the CMP and undergo an initial health assessment. For listed chronic conditions (e.g., diabetes, hypertension, asthma), the plan waives the standard waiting period and covers hospitalisation from day 1 of the policy. You must remain enrolled in the program and meet periodic check-in requirements. Conditions not on the CMP list still follow the standard 3-year pre-existing disease wait.
HealthReturns are earned by completing health activities tracked through the Activ Health app: daily step count targets, gym visits, health screenings, nutrition tracking, and annual health check-ups. Points accumulate and are converted into a premium discount of up to 30% at renewal. The more consistently you engage with wellness activities, the higher your return. Unused rewards may carry forward partially depending on plan terms.
In-patient hospitalisation for mental health conditions including depression, bipolar disorder, schizophrenia, and other listed psychiatric disorders is covered. Outpatient consultations and therapy sessions have limited coverage depending on the variant. As always, specific exclusions such as substance abuse or self-inflicted conditions apply. Review the policy wording for the complete list of covered and excluded mental health conditions.
The maternity benefit in Activ Health Platinum Enhanced kicks in after a 2-year waiting period from the policy start date. It covers normal delivery, caesarean section, and pre and post-natal expenses up to the specified sub-limit. Newborn cover is included from birth for the first 90 days without requiring separate enrollment. Pre-existing conditions of the newborn are also covered subject to terms.

Is Activ Health the Right Fit?

If you have diabetes, are planning a family, or want your premium back for staying healthy, this plan deserves a closer look. Let our advisors walk you through the CMP enrollment and HealthReturns calculation.

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