Aditya Birla Activ Health Platinum Essential Plan

Why Choose Activ Health Platinum Essential Plan

Aditya Birla Health Insurance Company Ltd. offers the Activ Health Essential Platinum Plan under its Activ Health plan. As well as protecting your health, this policy offers rewards to help you earn money. Activ health platinum essential plan offers Rs.10 lakh and is designed to provide support for a journey towards well-being. The policy also offers health returns, which are up to 30% of the annual policy premium, as value-added benefits. In addition to ambulance expenses, daycare procedures, annual health check-ups, and so on, the Activ Health Essential Platinum Plan provides multiple benefits. Also, Day 1 cover is available for chronic diseases such as hypertension, diabetes, and high cholesterol. As an additional benefit, the policy allows you to choose a hospital room when you buy it. The cumulative bonus may increase up to 100% as long as the policyholder is claim-free every year.

Features of Activ Health Platinum Essential Plan

Hospitalization as an inpatient - Rooms can either be shared or single, depending on your choice of variant.
Hospitalization before and after - Diagnoses, investigations, consultations, and physiotherapy are not limited to the hospitalization period. Thus, you are also covered for a certain number of days for the expenses you incur before and after your hospitalization.
Options for Sum Insured - A choice of sum insured can be made ranging from INR 50,000 to INR 2 crores. Consider your budget as well as your needs when choosing an amount.
Treatment in a daycare center - You can also cover treatment that does not require more than 24 hours in the hospital under the Activ Health Platinum plan. A total of 527 day-care procedures are covered by the plan.
Reloading of the sum insured - During the same policy year, a reload of the sum insured can be provided if insufficient funds are due to an unrelated illness for which a claim has already been made.
Coaching for wellness -A wellness coach is included in the plan, so you will have access to health coaches who will help you stay healthy.
Health benefits - Healthy living and staying fit will reward you with Health Returns. Up to 30% of your premiums may be recouped as Health Returns, depending on your insurance policy.
Network hospitals - Aditya Birla Health has over 7,000 hospitals that offer cashless treatment. Medical care at leading hospitals is of the highest quality.
Hospitals' cash benefits - When you are admitted to a hospital for a specified period of time, you will receive a daily allowance.
Home-based treatment - When a hospitalization is not possible, a treatment can be performed at home. Under a physician's prescription, the health insurance company would also cover these treatment expenses.
An additional e-opinion - Through a consortium of qualified specialists, an e-opinion will be arranged if an insured is diagnosed with a critical illness.
Charges for ambulances - If an insured is transported to the hospital by ambulance during a medical emergency, ambulance costs will be covered according to the plan selected. It is important to note that the ambulance should come from a hospital in the network.
Health Checkups - Depending on their age and medical condition, insured members will undergo a health check-up once a year.
Benefits of Taxation - Under the Income Tax Act, 1961, section 80D allows you to claim tax benefits on your Activ health Platinum health insurance premiums.

Exclusions of Activ Health Platinum Essential Plan

Suicide attempt or injuries caused by self-infliction
Surgery for cosmetics, reshaping, and aesthetics
Disorders of the mind and the spirit
Activities that are illegal or criminal
Taking part in wars, uprisings, or revolutions
Intoxication with alcohol or drugs
Contact lenses, hearing aids, and spectacles

FAQ

Are there any restrictions on the rent of rooms at Activ Health Platinum Essential?

Not at all. There are no room restrictions with Activ Health Platinum Essential - when you selected the plan, you probably had the option of picking the room of your choice. The single private room might have been shared with another patient, or the general ward might have been available. All you need to do is stay in the room you selected at the time. You will have to copay a part of the bill if you choose one room and then choose a more expensive room.

Is there a restoration benefit to Activ Health Platinum Essential?

Unfortunately, no. There is no restoration benefit with Activ Health Platinum Essential.

Are AYUSH treatments covered by Activ Health Platinum Essential?

Asthma, Diabetes, and other chronic diseases, such as asthma, are covered by Activ Health Platinum Essential, with prior approval

Are there any bonuses offered by Activ Health Platinum Essential?

Yes, of course. There is a no-claim bonus offered by Activ Health Platinum Essential. You can increase your amount insured up to 100% of the sum insured each year in which you don't make a claim.

Are there maternity benefits with Activ Health Platinum Essential?

Unfortunately, no. You can add maternity benefits to Activ Health Platinum Essential, but they are not included in the base plan.

Is Activ Health Platinum Essential available internationally?

Sadly, no. International coverage is not available with Activ Health Platinum Essential.

Is dental protection included in Activ Health Platinum Essential?

Not at all. Dental coverage is not included in Activ Health Platinum Essential.

Is outpatient consultation coverage included in Activ Health Platinum Essential?

Not at all. There is no outpatient consultation coverage available with Activ Health Platinum Essential

Activ Health Platinum Essential premiums are calculated in what way?

Several factors contribute to your insurance premiums, including your age, your location (zonal), your health (pre-existing conditions), and your lifestyle habits (smoking, drinking, etc.).

Do you offer discounts on Activ Health Platinum Essential?

Yes, of course. As your fitness and number of steps increase, you will receive discounts on your subsequent renewal with Activ Health Platinum Essential. There is a discount range between 1.2% and 30%.

Are there any restrictions on entering and exiting Activ Health Platinum Essential?

Yes, of course. Individual plans are available for those aged 5 and above, and floater plans are available for those aged 91 days and older. This policy does not restrict exit based on age.

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