Aditya Birla Health Insurance Co. Ltd.
Activ Health Platinum
ABHI's WELLNESS-LED Platinum tier
UIN ADIHLIP21121V022021We don't sell this — we'll still recommend if it fits
The dealbreaker fields
Max cover
₹10 cr
Claim settlement (CSR)
97.5%
PED waiting
36 months
Specific disease wait
24 months
Mandatory co-pay
0%
Room rent prop. ded.
No
Pre / post hosp.
60 / 180 days
Network hospitals
10,000+
Free look
30 days
What this plan does well
- HealthReturns™ — Earn up to 100% premium back as wellness credits — DEALBREAKER UNIQUE
- Chronic Management Program — Day 1 Cover for diabetes/BP/cholesterol/asthma — DEALBREAKER UNIQUE
- Automatic Upgrade to Chronic Program if condition develops post policy
- Cashless Home Treatment (chemotherapy/dengue/gastroenteritis/hepatitis/peritoneal dialysis) — DEALBREAKER UNIQUE
- Premium Waiver if listed illness diagnosed — DEALBREAKER UNIQUE
- Modern Treatments incl. Robotic Surgery + Oral Chemotherapy
- Mental Illness hospitalisation — DEALBREAKER ADVANTAGE
- Obesity treatment covered (most plans exclude)
Watch out for
- Aditya Birla Health Insurance network ~10K (lower than Care Health 22K)
- Cashless Home Treatment ONLY for 5 specific illnesses (not all hospitalisations)
- HealthReturns™ requires SUSTAINED activity — 13 Activ Dayz/month minimum
- Healthy Heart Score Red/Amber: HealthReturns% drops significantly (Red=6-12%, Amber=12-20%)
- Reload of SI: UNRELATED illness only — same illness recurrence NOT covered
- Premium Waiver Plan only for LISTED illnesses (verify list)
- ABHI CSR ~97-98% (mid-tier vs top 99%+)
Is this the right plan for you?
Run the 30-second cover calculator. We'll tell you whether this plan, or a different one, is the better fit.
Find my right cover →We don't directly sell this plan today. If our verdict says this is your best fit, we'll point you to a broker who does — and tell you our paired listed alternative so you can decide.