Activ Health is India's most wellness-integrated health insurance plan, rewarding you for staying healthy while covering chronic illnesses from day 1.
Listed chronic conditions including diabetes, hypertension, and asthma are covered from day 1 of the policy when you enroll in the CMP — no 3-year wait for these conditions.
Earn up to 30% of your annual premium back as rewards by meeting health activity goals tracked via the Activ Health app. No other plan in India offers this.
In-patient mental health treatment including psychiatric hospitalisation is covered — a progressive inclusion that most Indian health policies still exclude.
Normal and caesarean delivery expenses are covered in the Platinum Enhanced plan, along with newborn cover from birth, subject to a 2-year waiting period.
Accidental death and permanent total disability lump sum cover is bundled into the plan, removing the need for a separate personal accident policy.
Dental treatment expenses arising from an accident or illness are covered, a benefit largely absent in most standard health insurance policies.
Any room category can be chosen during hospitalisation without triggering proportional deductions on other charges — no hidden reductions.
The Activ Health app provides a personalised wellness coach, step tracking, health assessments, and specialist consultations to support proactive health management.
Full breakdown of Activ Health Platinum Enhanced coverage.
| Coverage Feature | Details |
|---|---|
| In-patient Hospitalisation | Covered fully |
| Pre-hospitalisation Expenses | 60 days |
| Post-hospitalisation Expenses | 180 days |
| Room Rent | Any category (no sub-limit) |
| ICU Charges | Covered (no sub-limit) |
| Day-Care Procedures | All covered |
| Chronic Management Program (CMP) | Day 1 cover for listed chronic conditions on CMP enrollment |
| HealthReturns Wellness Reward | Up to 30% of premium back |
| Mental Wellness Cover | In-patient psychiatric care covered |
| Maternity Benefit | Normal + C-section + newborn cover (2-year wait) |
| Personal Accident Cover | Accidental death and permanent disability |
| Dental Cover | Covered (accident or illness related) |
| AYUSH Treatment | Covered |
| Domiciliary Hospitalisation | Covered |
| Cumulative Bonus (NCB) | Up to 100% |
| Restore Benefit | Available |
| Ambulance Cover | Road + air ambulance in some variants |
| Pre-existing Disease Wait (non-CMP) | 3 years (36 months) |
| Chronic Pre-existing (CMP enrolled) | Day 1 cover |
| Initial Waiting Period | 30 days (except accidents) |
| Network Hospitals | 11,000+ |
| International Cover | Not in standard plan |
| OPD Expenses | Limited OPD via app in some variants |
This plan is engineered for health-conscious buyers and those managing chronic conditions.
The Chronic Management Program covers diabetes and hypertension from day 1 without waiting 3 years. No other standard plan offers this. CMP enrollment is a must.
Maternity benefit and newborn cover built into the Platinum Enhanced plan make it ideal for couples planning to have children in the next 2-3 years.
If you exercise regularly and track your health, HealthReturns can return up to 30% of your premium annually, effectively reducing your net insurance cost significantly.
Mental wellness cover, dental cover, and personal accident bundled into one policy reduces the need for multiple separate policies and simplifies insurance management.
An honest assessment before you decide.
Common questions about Aditya Birla Activ Health Platinum Enhanced, answered plainly.
If you have diabetes, are planning a family, or want your premium back for staying healthy, this plan deserves a closer look. Let our advisors walk you through the CMP enrollment and HealthReturns calculation.
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