Aditya Birla Active Health Enhanced - Platinum

Aditya Birla Active Health Enhanced plan is specially designed to keep you healthy always. It is more than a health insurance plan, which comes with unique features such as Health Returns, reload of the sum insured, Chronic Management Programme, choice of hospital room etc. These features make the plan one of a kind. Let’s delve into details:

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Aditya Birla Active Health Enhanced - Platinum

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    Why do you need Aditya Birla Active Health Insurance?

    You can avail cashless benefit at the network hospitals across India without paying from your pocket

    • The sum insured options are higher, starting from Rs. 2 lakh to 2 crores, to serve your every requirement
    • Heath Return, Restore benefit, chronic Management, second E-opinion, wellness coach etc. are some of the unique features that worth your money
    • Cumulative bonus for not claiming your insurance, 20% for each claim-free year
    • Tax benefits to be earned for premiums paid towards Aditya Birla Active Enhanced health plan

    Salient Features of Aditya Birla Active Health Enhanced Plan

    The salient features of this plan include:

    • Save up to 30% on premium as health returns. These returns can be used for paying the renewal premiums further
    • You will be covered from day 1 for medicines, diagnostic tests, consultation with physicians in case of lifestyle illnesses such as diabetes, blood pressure, asthma, hypertension etc.
    • You can choose your hospital room as per your preference, right at the start of the policy term
    • The policy ensures 100% restoration of policy sum insured. However, it is applicable only with an unrelated illness or accident. It is applicable after the first claim is made and it is not exhausted in the previous year.

    Eligibility Criteria

    Minimum Entry Age

    91 days

    Maximum Entry Age

    No bar

    Children below 25 years age

    Can be added under family health insurance option

    Policy Tenure

    1,2 or 3 years

    Coverage under Aditya Birla Aditya Birla Active Health Enhanced Plan

    The benefits or coverage of Aditya Birla Active Health Enhanced Plan include:


    Plan Benefits

    Sum Insured Options

    Rs. 2 lakh-2 crores

    In-patient hospitalisation

    Hospitalisation expenses including room rent, nursing expenses, doctor’s fee, OT charges, medicine costs, consultation fee and so on

    Pre-hospitalisation Cover

    60 days


    180 days

    Day-care Procedure

    Available for treating certain illnesses that don’t require 24 hours hospitalisation such as dialysis, cataract, chemotherapy, tonsillectomy etc.

    Domiciliary Hospitalisation

    Cover for the treatment availed at home after discharge, which would have required hospitalisation

    Ambulance fee

    Maximum Rs. 5000

    Organ donor expense cover


    Restoration of Sum Insured

    100% restoration after the first claim

    NCB Benefit

    20% for each claim-free year

    Health Check-up Benefit

    Once in a year

    Hospital Cash benefit


    Second Opinion

    In case of illnesses such as cancer, kidney failure, heart attack, a second opinion can be taken from qualified specialists

    Aditya Birla Active Enhanced Health Insurance Claim Process

    A claim can arise anytime and you should know how to initiate it in order to ensure a smooth claim process. You can claim your health insurance in two ways- Cashless Claim and Reimbursement Claim.

    Cashless Claim Process

    Cashless facility can be availed at network hospital only. Whether it is a planned or emergency hospitalisation, if you go for cashless facility then the hospitalisation expenses will be borne by the insurance provider. The process is:

    • Carry the Aditya Birla health card, show it in the hospital help desk, along with an ID proof
    • Fill a cashless hospitalisation request and submit the pre-authorisation letter with the TPA seeking for cashless hospitalisation. The TPA will submit the application to the insurance provider
    • The insurer may accept or reject your request, depending on various grounds
    • Upon its approval, you can receive cashless services from a network hospital
    • The incurred expenses will be paid as per the policy terms and directly settled with the insurer.
    • Note: If you plan to be hospitalised to treating an illness, the insurance provider has to be notified 48 hours prior to hospitalisation, where in case of emergency hospitalisation, the window to inform the insurer is 24 hours.

    Reimbursement Claim Process

    When you go with reimbursement claim, you don’t require to avail the services from a network hospital only. Instead, you can pick a random hospital according to your choice and get the treatment. However, the incurred expenses have to be paid by you initially and register a claim with Aditya Birla. To initiate your claim under this category:

    • Inform the insurer and register a claim by calling at their 12x7 helpline number. You can also write them to the official email Id at abh[@]adityabirla[.]com and register a claim
    • Collect all the relevant documents, medical bills in original along with the receipts
    • Discharge summary stating about nature of illness or accident
    • Submit all the documents along with the filled claim form. You can send them via post or upload online by login into the insurer’s portal using your username/password
    • You can even check your claim status on the website of the insurer
    • After receiving the documents and verifying it, the insurer will reimburse up to an admissible amount. You will have to bear the deductibles in your plan as per decided at the time of buying.

    What’re the Documents Required for Claim Settlement?

    In order to claim Aditya Birla Active Health Enhanced plan, you will need the following documents:

    • Duly filled and signed claim form
    • Medical certificate from the treating doctor stating about the illness or details of diagnosis
    • Proof of medical bills and receipts
    • Death certificate, in required
    • Other related documents asked by Aditya Birla

    How to Buy  Aditya Birla Active Health Insurance Online

    When it comes to buying Aditya Birla health insurance, you can go both online or offline. To buy it online:

    • Visit the insurer’s official website
    • Check the available plans. You can consider the Aditya Birla Health insurance brochure to check the plans in detail
    • Now compare the available plan with the other insurers through online comparison option. You can compare the plans on the basis of their offerings, claim settlement ratio, premium offered etc.
    • Go to the premium option and calculate this using premium Aditya Birla premium calculator online
    • If the plan comes in your budget, pay the premiums online
    • Get the policy instantly. You can get the printed copy downloaded from your registered email id.

    You will require the below documents to buy this policy:

    Documents Required for Buying Aditya Birla Active Enhanced Health Insurance

    The important documents to be attached along with your application are:

    • Proof of Age: Considerable documents include- Birth Certificate, Voter’s ID, PAN Card, Passport, Driving License, School or College Certificate etc.
    • Identity Proof: Adhaar Card, Driving License, Passport, Voter’s ID, PAN Card etc.
    • Address Proof: Utility bills, Passport, Bank Statement, Voter’s ID etc.
    • Income Proof: Six months salary slip, Employer’s Certificate, Form 16, etc.
    • Passport sized photographs
    • Medical health check-up test, if required

    Aditya Birla Active Health Enhanced Renewal Process

    In order to get the policy benefits contentiously, it is essential to renew the policy before it expires. You can renew it either online or offline. However online renewal is the most preferred, convenient yet recommended process of renewing Aditya Birla Active health enhance insurance.

    • Here’re the easy steps to renew your policy with Aditya Birla online:
    • Visit the official website of the insurer
    • Go to the Renew option and click on ‘Quick Renew’ option available on the home page
    • A renewal form will appear, fill up the form correctly with relevant information such as name, policy number, type of coverage etc.
    • Click on the ‘Renew Now’ button to proceed with online payment facility
    • Pay the premiums using debit/credit cards or through net banking.
    • A confirmation on the payment will be sent to the registered contact number and mail ID. The renewed policy will be sent to you as well.

    This way stay with an active policy and remain protected!

    Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
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