Aditya Birla Activ Health Platinum Enhanced Plan

Why Choose Activ Health Platinum Enhanced Plan

Aditya Birla Health Insurance Co. Ltd. offers Activ Health Platinum Enhanced as a premium variant of its Activ Health Plan. In addition to protecting health, the plan offers rewards as well. In order to help you achieve well-being, the Activ Health Enhanced Plan covers up to Rs. 2 crore. In addition, it offers health returns to the insured. Activ Health Platinum Enhanced offers Day 1 coverage for certain chronic illnesses like high cholesterol, diabetes, hypertension, asthma, and more. At the beginning of the policy's term, the policyholder has the option to choose a hospital room. Activ Health Enhanced is a health insurance plan that offers up to 30% of annual premiums as HealthReturns and 100% reloads in case of unrelated illnesses or accidents within the same year.

Features of Activ Health Platinum Enhanced Plan

There are over 9000 network hospitals in India where you can avail of cashless hospitalization benefits.
From Rs 2 lakh to Rs 2 crore, the sum insured options are higher to meet your needs.
A range of unique features includes Health Return, recovery benefits, chronic management programs, second opinions for major illnesses, and wellness coaches.
With the cumulative bonus, your sum insured increases by 50%, up to a maximum of 100% or Rs 1 crore for each year of non-claims
When you take out a 2-year or 3-year policy, you will receive a long-term discount of 7.5% and 10%, respectively.
You can also get 10% off if you are a member of the preferred provider network (PPN)
Aditya Birla Active Enhanced health plan premiums are tax deductible under section 80D of the IT Act.

Benefits of Activ Health Platinum Enhanced Plan

A family floater policy is available as well as an individual policy.
Annual health checks are provided to members.
The premium can be earned as health returns up to 100%. Renewal premiums can be paid with these returns.
Chronic Management Program covers medicines, diagnostic tests, and consultations with physicians for lifestyle illnesses, such as diabetes, blood pressure, asthma, and hypertension.
In the event that you are diagnosed with a critical illness listed in the policy, you are entitled to a one-year premium waiver.
In the event of a claim, the policy guarantees a full restoration of the policy sum insured. In this case, however, the benefit is only available if the sum insured has not been exhausted in the preceding year and the first claim was made with an unrelated illness or accident.

Inclusions of Activ Health Platinum Enhanced Plan

A hospitalization plan covers expenses associated with inpatient hospitalization, such as room rent, nursing costs, doctor's fees, OT charges, medicine costs, and consultation fees.
Expenses incurred before hospitalization are covered up to 60 days before hospitalization.
In this coverage, medical expenses incurred after hospital discharge are covered for up to 180 days following hospital discharge.
Dialysis, cataract surgery, chemotherapy, tonsillectomy, etc., can be treated in a day care center without requiring a hospital stay of at least 24 hours.
The cost of a domiciliary hospitalization is covered if it is not possible to be hospitalized.
In the case of network hospitals, it covers road ambulance services up to actual expenses, and in the case of non-network hospitals, up to Rs 5000 per hospitalization.
The program pays for the expenses that organ donors incur during transplantation in relation to the harvesting of their organs.
Treatment through AYUSH schools of medicine is covered by the AYUSH cover.
A mental illness hospitalization policy pays for the medical expenses associated with the treatment of mental illnesses.
Medical treatment for obesity is covered by this coverage.
In the case of home treatment, it covers the costs incurred when a patient is discharged from a hospital.
The policy covers medical expenses incurred when taking advantage of modern treatments.
Air ambulance is included in Emergency Assistance Services (Includes Air Ambulance) - This plan covers the cost of financial assistance for air ambulance services, including those outside India.
If you have a sum insured of at least Rs 15 lakh, you will be covered for outpatient consultations up to Rs 1000.
Having a second opinion from a qualified specialist will be covered under this policy when dealing with major illnesses, such as cancer, kidney failure, and heart attacks.
In case the sum insured is 15 lakh or more, this cover pays for dental consultations and investigations.

Exclusions of Activ Health Platinum Enhanced Plan

Diseases affecting the skin
Anomalies external to the body
Infections caused by sexual transmission
Intoxication with drugs or alcohol
The act of intentionally injuring oneself
Expenses associated with pregnancy
Nuclear and war-related injuries.

FAQ

Is there a limit on the number of rooms you can rent at Activ Health Platinum Enhanced?

Not at all. You might have been asked to choose your room when selecting Activ Health Platinum Enhanced. Whether it was a single private room, a shared room, or even the general ward, it could be anything. You don't have to worry about it as long as you stay in the room you selected when you booked. The price of the room may increase if you elect to stay in an expensive room after choosing a less expensive room.

What is the restoration benefit of Activ Health Platinum Enhanced?

The restoration benefit is included in Activ Health Platinum Enhanced. Should you need to be hospitalized again due to a different complication during a policy year, 100% of the cover will be restored.

How much coverage does Activ Health Platinum Enhanced offer for AYUSH treatments?

Ayush treatment is covered by Activ Health Platinum Enhanced for chronic diseases such as asthma, diabetes, etc., if approval is obtained in advance.

Is there a bonus with Activ Health Platinum Enhanced?

Yes, of course. There is a no-claim bonus offered by Activ Health Platinum Enhanced. The amount insured increases by 50% each year that you go without claiming, up to a maximum of 100%.

What are the maternity benefits offered by Activ Health Platinum Enhanced?

It's not. You can add maternity coverage to Activ Health Platinum Enhanced as an add-on, but it is not included in the base plan.

Can I get international coverage with Activ Health Platinum Enhanced?

That's right. With Activ Health Platinum Enhanced, you will have access to international coverage. However, it only assists you in reaching the hospital.

Is dental protection included in Activ Health Platinum Enhanced?

Unfortunately, no. Dental protection is not offered by Activ Health Platinum Enhanced.

Is outpatient consultation coverage available with Activ Health Platinum Enhanced?

Unfortunately, no. There is no coverage for outpatient consultations under Activ Health Platinum Enhanced.

Activ Health Platinum Enhanced premiums are calculated in what way?

A variety of factors are taken into account when calculating your premiums, including your age, location (zonal), and health status (any pre-existing diseases and lifestyle habits, such as smoking and drinking).

Activ Health Platinum Enhanced is available at a discount?

Yes, of course. Your fitness level and the number of steps you take will be taken into account when renewing your Activ Health Platinum Enhanced plan. Depending on the amount of discount, it may vary from 1.2% to 30%.

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