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Aditya Birla Activ Health Platinum (Enhanced)

Introduction to Aditya Birla Activ Health Platinum (Enhanced)

Aditya Birla Activ Health Platinum (Enhanced) is a health insurance policy offered by Aditya Birla Health Insurance Company Limited. Health insurance is a type of insurance policy that covers hospitalization expenses incurred for any illness, accident, or injury. It acts as a protective shield for savings and healthcare, so you and your family can live a happy, fulfilling life. Aditya Birla’s Activ Health Platinum (Enhanced) Plan offers a wide range of benefits and coverage options to help you manage your and your family’s healthcare expenses effectively.

Verdict: Aditya Birla Activ Health Platinum (Enhanced)

This plan hits the sweet spot with its affordable pricing as well as features and benefits. It is a perfect choice if you want a plan that offers comprehensive coverage and is easy on the pocket. In addition to hospitalization and related expenses, it covers maternity expenses, OPD expenses, i.e., day-to-day expenses for medicines, tests, consultations, etc. It also covers management expenses associated with diabetes, hypertension, high cholesterol, and asthma from day 1. On the flip side, however, the plan doesn't offer the monthly premium payment option. And, as per our research, the insurer has received a higher number of claim settlement as well as policy purchase complaints. This implies that the insurer has a poor track record in terms of both purchase and claims service experience.

Pros & Cons: Aditya Birla Activ Health Platinum (Enhanced)

  • arrow Slightly cheaper than other products in the market
  • arrow No restrictions on the type of hospital room you choose
  • arrow Covers outpatient department costs, such as medications, tests, consultations, etc.
  • arrow Covers expenses associated with pregnancy
  • arrow Covers Bariatric surgery for weight loss
  • arrow Management expenses for diabetes, hypertension, high cholesterol, and asthma are covered from day 1
  • arrow Monthly premium payment mode not available
  • arrow Received higher number of complaints during policy purchase compared to other insurers
  • arrow Received higher number of complaints on claim settlement compared to other insurers
  • arrow Our study observed their responses on Twitter to be relatively slower than other insurers

Specific Exclusions: Aditya Birla Activ Health Platinum (Enhanced)

01 Injury or illness directly or indirectly due to terrorism, nuclear emissions, war, civil war, etc.
02 Injury or illness due to self injury or participation or involvement in naval, military or air force operation
03 Injury or illness caused by intoxicant abuse, smoking cessation programs, and nicotine addiction treatment, unless prescribed by a medical practitioner
04 Circumcision unless necessary for treating a disease or injury
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Special Conditions: Aditya Birla Activ Health Platinum (Enhanced)

01 Any day care procedure that necessitates a period of specialized observation or care following the procedure is covered

About Aditya Birla Health Insurance Company Limited

Aditya Birla Health Insurance Company Limited logo

Aditya Birla Health Insurance Company Limited (ABHICL), a part of Aditya Birla Capital Ltd. (ABCL), is a joint venture between Aditya Birla Group and MMI Holdings of South Africa. ABHICL. The current product portfolio of the company includes unique offerings such as Chronic Care and Incentivized Wellness. It was founded in 2015 and is headquartered in Mumbai, Maharashtra. Mr. Mayanl Bathwal is the company's CEO and MD.

Founded in
2015
JV Partners
Aditya Birla Group and MMI Holdings
Turnover (GWP)
1196.29 Crores
Number of Policies
44,32,814
Number of Claims
3,91,990

Detailed Product Specs: Aditya Birla Activ Health Platinum (Enhanced)

Claims Experience advisor
Customer Service advisor
Product Benefits advisor
Limits and Exclusions advisor
% of claims settled in less than 30 days
Reflects on the speed of settling valid claims
96.53%
% of Complaints received on overall claims
% customers unhappy with claims experience
0.26%
Claims Incurred Ratio
78.36%
Claim Settlement Ratio (No. of claims)
What % of the claims received were paid?
92.25%
No. of Cashless Hospitals
10051+
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