Aditya Birla

Activ Health Platinum Essential: This is a fairly economical option. However, expect to share hospital bills, limited coverage for some treatments, and a 4-year waiting period for pre-existing conditions.

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whatWeLike What We Like

This section highlights the strengths and benefits of Activ Health Platinum Essential policy by Aditya Birla. It covers what the policy does exceptionally well, including aspects that provide significant value and peace of mind to the policyholder. Here, you will find the major advantages and positive features that make this policy stand out.

Pre & Post hospitalization expenses covered

Diagnostic Tests Coverage (30 days/60 days): No worries if the doctor has to run a series of diagnostic tests before or after hospitalizing you. The i...

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Day Care treatments covered

Minor Procedure Full Coverage: If you're hospitalized for less than 24 hours for a minor procedure, the insurer will cover the costs. This includes tr...

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Full coverage even if you are forced to hospitalize at home

Domiciliary Cover: The insurer will bear the costs even if you are hospitalized at home due to a condition or the hospital running out of beds. This i...

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Free Health Checkups every year

Annual Full Body Checkup: If you’re planning on getting a full body checkup every year just to make sure you’re in fine working condition, the insurer...

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whatIsOk What Is Okay

This section outlines the satisfactory but not exceptional aspects of Activ Health Platinum Essential policy by Aditya Birla. It includes features and benefits that are adequate and meet standard expectations. While these elements may not be extraordinary, they still contribute to the overall usefulness and reliability of the policy.

Restrictions on the rooms you can pick and much more

Coverage After 4 Years: If you're dealing with diabetes, cardiovascular problems, or similar illnesses, the insurer covers all costs after a 4-year wa...

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Special Bonus for being healthy and not claiming insurance

Room Choice Co-Payment: When selecting the policy, you might have chosen a single private room, a shared room, or a general ward. As long as you stay ...

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whatWeDontLike What We Don't Like

This section addresses the limitations and drawbacks of Activ Health Platinum Essential policy by Aditya Birla. It highlights areas where the policy may fall short or aspects that could be improved. Understanding these points is crucial for making an informed decision and managing expectations regarding the policy’s coverage and service.

No Restoration Benefit

Sum Insured Increase (10% Annually, Cap at 100%): Your sum insured increases by 10% each year, provided no claims are made during this period. The bon...

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Covers Alternative Medicine

No Full Cover Restoration: This policy does not restore full cover after a partial claim within the same year, unlike some policies that offer this be...

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Has disease wise sub-limits

Coverage Limits for Angioplasty, Knee Replacement, Cataract: Your insurance cover won’t be fully available if you are treated for Angioplasty, Knee Re...

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You will have to pay a portion of the bill

Coverage Limits for Angioplasty, Knee Replacement, Cataract: Your insurance cover won’t be fully available if you are treated for Angioplasty, Knee Re...

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Long waiting period for pre-existing diseases

80% Co-Payment: The policy will cover 80% of the final bill, leaving the remaining 20% as your responsibility. This is known as a co-payment.

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Covers Alternative Medicine

No Full Cover Restoration: This policy does not restore full cover after a partial claim within the same year, unlike some policies that offer this be...

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Has disease wise sub-limits

Coverage Limits for Angioplasty, Knee Replacement, Cataract: Your insurance cover won’t be fully available if you are treated for Angioplasty, Knee Re...

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You will have to pay a portion of the bill

Coverage Limits for Angioplasty, Knee Replacement, Cataract: Your insurance cover won’t be fully available if you are treated for Angioplasty, Knee Re...

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Long waiting period for pre-existing diseases

80% Co-Payment: The policy will cover 80% of the final bill, leaving the remaining 20% as your responsibility. This is known as a co-payment.

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Has disease wise sub-limits

Coverage Limits for Angioplasty, Knee Replacement, Cataract: Your insurance cover won’t be fully available if you are treated for Angioplasty, Knee Re...

Learn More

You will have to pay a portion of the bill

Coverage Limits for Angioplasty, Knee Replacement, Cataract: Your insurance cover won’t be fully available if you are treated for Angioplasty, Knee Re...

Learn More

Long waiting period for pre-existing diseases

80% Co-Payment: The policy will cover 80% of the final bill, leaving the remaining 20% as your responsibility. This is known as a co-payment.

Learn More

You will have to pay a portion of the bill

Coverage Limits for Angioplasty, Knee Replacement, Cataract: Your insurance cover won’t be fully available if you are treated for Angioplasty, Knee Re...

Learn More

Long waiting period for pre-existing diseases

80% Co-Payment: The policy will cover 80% of the final bill, leaving the remaining 20% as your responsibility. This is known as a co-payment.

Learn More

Long waiting period for pre-existing diseases

80% Co-Payment: The policy will cover 80% of the final bill, leaving the remaining 20% as your responsibility. This is known as a co-payment.

Learn More

Frequently Asked Questions

Medfin offers the latest surgical procedures to ensure that you
recover as fast as possible in the least painful way possible.

The claim settlement ratio for Activ Health Platinum Essential in 2024 is 99.41%. This high ratio demonstrates the insurer's commitment to efficiently processing claims, offering peace of mind to policyholders.

The Aditya Birla Activ Health Platinum Essential Plan is open to individuals and families with no upper age limit, making it accessible to all age groups.

Yes, the plan emphasizes preventive healthcare by offering benefits such as annual health check-ups, vaccinations, and health coaching sessions.

The plan covers a wide range of hospitalization expenses, including room rent, ICU charges, and post-hospitalization care, ensuring comprehensive protection.

Yes, the plan offers a No Claim Bonus, where the sum insured increases by 10% for each claim-free year, up to a maximum of 100%.

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