About Aditya Birla Activ Health Platinum Premiere Plan
Aditya Birla Activ Health Platinum Premiere is a health insurance policy that provides comprehensive coverage for hospitalization expenses, critical illness, AYUSH treatment, mental illness, etc. This Aditya Birla Health Insurance policy promotes the overall well-being of the policyholder while offering a sum insured ranging up to Rs 2 crore on an individual and floater basis.
Aditya Birla Activ Health Platinum Premiere Plan: Key Highlights
| Categories | Specifications |
|---|---|
| Sum Insured | ₹10 lakh to ₹2 crore |
| Pre-Policy Medical Check-ups | May be required |
| Pre-existing Diseases Waiting Period | 36 months |
| Discounts | 5% & 10% Family Discount 7.5% & 10% Long Term Discount 5% Loyalty Discount |
or select from popular citiessActiv Health Platinum Enhanced Features
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Key Benefits of Aditya Birla Activ Health Platinum Premiere Plan
Aditya Birla Activ Health Platinum Premiere Plan Inclusions, Exclusions & Optional Covers
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In-patient Hospitalization ExpensesIt covers the cost of hospitalization in case the insured is admitted to a hospital for more than 24 hours. It includes expenses, such as ICU charges, room rent, surgical appliances, nurses’ charges, etc.
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COVID-19 Hospitalization ExpensesIt pays for the hospitalization expenses arising out of the treatment of COVID-19.
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Mental Illness HospitalizationIt covers the hospitalization expenses incurred by the insured for the treatment of mental illnesses, such as anxiety issues, depression, etc.
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Pre & Post-hospitalization ExpensesIt pays for the medical expenses incurred before hospitalization for up to 60 days and after discharge for up to 180 days.
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Day Care TreatmentIt provides coverage for day care treatment procedures that require hospitalization of less than 24 hours.
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Modern Treatment MethodsIt covers the cost of availing treatment through modern and technologically advanced procedures, such as stem cell therapy, deep brain stimulation, immunotherapy, etc.
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Any accident/injury/illness due to abuse of alcohol or other intoxicants
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Infertility or sterility treatments
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Self-inflicted injury or an attempt to suicide
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Injury due to participation in hazardous or adventure sports
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Plastic or cosmetic surgery
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Sexually transmitted diseases
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Maternity ExpensesIt provides coverage for pregnancy-related procedures, including childbirth or abortion, along with newborn baby expenses, vaccination expenses and stem cell preservation costs.
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Hospital Cash BenefitIt provides a daily hospital allowance for each day of hospitalization for up to 10 days per hospitalization and a maximum of 30 days in a policy year.
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Waiver of Mandatory Co-PaymentIt enables the insured to get a waiver on the mandatory co-payment clause.
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Preferred Provider Network DiscountThis cover provides the policyholder with 10% savings of premium in exchange for opting for 10% co-payment in case of hospitalization at a non-PPN hospital.
In case of emergency we are just a call away. Take care of your family, we will do the rest. Our claim specialists will reach your location & complete the formalties from filing the claim to documentation to coordinating with insurer, TPA & hospital. Available in New Delhi and 114+ cities View cities list ›Policybazaar Claim Process
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Aditya Birla Activ Health Platinum Premiere Plan: FAQs
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Q1. Is there any waiting period under the Aditya Birla Activ Health Platinum Premier plan?
Ans: Yes. There are multiple waiting periods that apply to the Aditya Birla Activ Health Platinum Premier plan:- Initial waiting period – 30 days (except for accidental claims)
- Specified diseases or procedure waiting period – 24 months
- Pre-existing disease waiting period – 36 months
- Critical illness cover waiting period – 90 days
- Maternity expenses waiting period – 48 months
- Chronic management waiting period – 24 months
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Q2. How long will it take to settle an Aditya Birla Activ Health Platinum Premiere claim?
Ans: Aditya Birla Health Insurance Company Limited will settle a claim within 30 days of receiving all the documents. -
Q3. Can I raise an Aditya Birla Activ Health Platinum Premiere claim if get hospitalized in another city?
Ans: Yes. Your claim will be accepted under the Aditya Birla Activ Health Platinum Premiere plan if you get hospitalized in another city. However, if you get hospitalized in a city belonging to a higher zone than yours, you will have to pay a co-payment of up to 25%.
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Q. What is the advantage of selecting a policy with a duration of more than 1 year?
Ans: If one buys Aditya Birla Health Insurance for more than a year, one can save 7.5 % and 10% on the 2 and 3 years premium, respectively.
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Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
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Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
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Q. What is a waiver of a mandatory co-pay cover?
Ans: This benefit is covered on payment of an additional premium. Therefore, any mandatory co-payment that is applicable under the Aditya Birla Activ Health Essential Plan will be waived off.
Aditya Birla offers two types of claim settlements – cashless and reimbursement. Follow the steps to raise a claim:
- Find the nearest network hospital of Aditya Birla
- Get admitted to the hospital
- Notify the insurance company about the hospitalization
- In case of pre-planned hospitalization, intimate the insurer before hospital admission.
- Fill up the pre-authorization form and submit it to the hospital staff
- The pre-authorization form will be sent to Aditya Birla for approval.
- Once approved, obtain medical treatment.
- At the time of discharge, sign all the medical documents.
- Pay for the items/services not covered under the Aditya Birla policy
- The network hospital will send the hospital bill to Aditya Birla.
- After review, the insurance company will pay the bill amount directly to the network hospital.
- Inform the insurance company about the hospitalization
- In case of planned hospitalization, notify the insurer before hospital admission.
- Receive medical treatment
- At the time of discharge, pay the entire hospital bill in full.
- Collect all the medical documents, bills and payment receipts
Our Claim specialists in below cities will reach your hospital or home in 30 minutes to support your health insurance claim
