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Aditya Birla Health · ADIHLIP24102V052324

Aditya Birla Health Activ Health Platinum Enhanced

Aditya Birla Health Activ Health Platinum Enhanced (IRDAI UIN ADIHLIP24102V052324) is an individual and family floater health insurance plan with sum insured from 2 lakh to 2 crore (18 options). Pre-existing diseases are covered after 3 years.

Premiums depend on age, cover, city, health and the options you choose. Where the insurer published a premium, the figure shown is for the exact profile stated next to it; your premium will differ. Comparezi does not sell insurance or give advice: check the insurer's prospectus and policy wording, which prevail.

In short

Aditya Birla Health Activ Health Platinum Enhanced is a health insurance plan from Aditya Birla Health. Key specifications: plan type Individual and family floater, room rent SI Rs 4 lakh and above: options Shared Room / Single Private A/C Room / Any Room; SI up to Rs 3 lakh: Shared Room / Single Private A/C Room, pre-existing disease waiting 36 months. Among health insurance here it fits best for longer pre- and post-hospital cover.

Premium depends on your profile
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Plan type
Individual and family floater
Room rent
SI Rs 4 lakh and above: options Shared Room / Single Private A/C Room / Any Room; SI up to Rs 3 lakh: Shared Room / Single Private A/C Room
Pre-existing disease waiting
36 months

Pros

  • No room-rent cap

Who should buy it

  • Best for Longer pre- and post-hospital cover · What matters most? (pick any) #10 of 53 health insurance for this

Full specifications

Cover

Plan type Individual and family floater
Sum insured options 2 lakh, 3 lakh, 4 lakh, 5 lakh, 6 lakh, 7 lakh, 8 lakh, 9 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 30 lakh, 40 lakh, 50 lakh, 1 crore, 150 lakh, 2 crore
Highest sum insured 200 lakh
Entry age From 18 years (adult); 91 days (dependent child, floater); 5 years (individual policy) (no maximum stated)
Room rent SI Rs 4 lakh and above: options Shared Room / Single Private A/C Room / Any Room; SI up to Rs 3 lakh: Shared Room / Single Private A/C Room
Co-payment Zone co-payment (10%-25%) for treatment in a higher zone only for SI Rs 3 lakh and below; not applicable for Rs 4 lakh and above

Waiting periods

Initial waiting period 30 days
Pre-existing disease waiting 36 months
Specific illness waiting 24 months

Benefits

Pre-hospitalisation 60 days
Post-hospitalisation 180 days
Day-care treatment Yes
AYUSH treatment Yes
Restore benefit Reload of Sum Insured up to 100% of Sum Insured for an unrelated illness in the same policy year
No-claim bonus Cumulative Bonus 50% increase per claim-free year, max up to 100% (up to maximum of Rs 1 Cr)
Maternity Optional cover only
OPD Rs 1,000 OPD cover for SI Rs 15 lakh and above; Chronic Management Program (OPD) for listed chronic illnesses

Insurer

Health incurred claim ratio (insurer) 71.5%
Claims figures for FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10)
IRDAI UIN ADIHLIP24102V052324

About the Activ Health Platinum Enhanced

Aditya Birla Health Activ Health Platinum Enhanced (IRDAI UIN ADIHLIP24102V052324) is an individual and family floater health insurance plan with sum insured from 2 lakh to 2 crore (18 options). Pre-existing diseases are covered after 3 years. It is one of 53 health insurance plans on Comparezi, from Aditya Birla Health.

Information only. Comparezi does not sell insurance, does not give advice and is not paid by insurers. The policy wording issued by the insurer prevails over this summary.

Cover and limits

  • Plan type: Individual and family floater
  • Sum insured options: 2 lakh, 3 lakh, 4 lakh, 5 lakh, 6 lakh, 7 lakh, 8 lakh, 9 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 30 lakh, 40 lakh, 50 lakh, 1 crore, 150 lakh, 2 crore
  • Entry age: From 18 years (adult); 91 days (dependent child, floater); 5 years (individual policy) (no maximum stated)
  • Room rent: SI Rs 4 lakh and above: options Shared Room / Single Private A/C Room / Any Room; SI up to Rs 3 lakh: Shared Room / Single Private A/C Room
  • Co-payment: Zone co-payment (10%-25%) for treatment in a higher zone only for SI Rs 3 lakh and below; not applicable for Rs 4 lakh and above

Waiting periods

  • Initial waiting period: 30 days
  • Pre-existing diseases: 3 years
  • Specific illnesses: 2 years

Benefits

  • Pre-hospitalisation: 60 days
  • Post-hospitalisation: 180 days
  • Day-care treatment: Covered
  • AYUSH treatment: Covered
  • Restore benefit: Reload of Sum Insured up to 100% of Sum Insured for an unrelated illness in the same policy year
  • No-claim bonus: Cumulative Bonus 50% increase per claim-free year, max up to 100% (up to maximum of Rs 1 Cr)
  • Maternity: Optional cover only
  • OPD: Rs 1,000 OPD cover for SI Rs 15 lakh and above; Chronic Management Program (OPD) for listed chronic illnesses

How it compares on Comparezi

Of the 50 health insurance plans on Comparezi with a stated pre-existing disease waiting period, 9 have a shorter one and 40 have the same. Of the 49 health insurance plans on Comparezi with a stated post-hospitalisation period, none has a longer one and 21 have the same.

Premium

It depends on your age, cover, city and options. Aditya Birla Health does not publish a premium chart for this plan that Comparezi could check, so no figure is shown. Get a quote from the insurer.

About the insurer

Aditya Birla Health's health incurred claim ratio was 71.50% in FY 2024-25 (IRDAI Annual Report; includes personal accident). An incurred claim ratio compares claims with premiums earned; it is not the share of claims paid.

Similar plans from other insurers

Other health insurance plans from Aditya Birla Health

Sources

Checked 6 November 2026. Values the documents do not state are left out rather than estimated. See how Comparezi checks data.

Alternatives

Alternatives to the Activ Health Platinum Enhanced

All health insurance →

HDFC ERGO

Optima Secure

  • Individual and family floater Plan type
  • At Actuals Room rent
  • 36 months Pre-existing disease waiting
Sample premium ₹19,663 a year*
  • Individual and family floater Plan type
  • SI Rs 5/7.5 lakh: up to 1% of SI per day; SI Rs 10-25 lakh: any room (except suite or above category); SI Rs 50 lakh and above: any room Room rent
  • 36 months Pre-existing disease waiting
Sample premium ₹10,396 a year*

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Head to head

Compare the Activ Health Platinum Enhanced

Questions

Activ Health Platinum Enhanced FAQs

It depends on your age, cover, city and options. Aditya Birla Health does not publish a premium chart for this plan that Comparezi could check, so no figure is shown. Get a quote from the insurer.

ADIHLIP24102V052324. The UIN identifies the exact product version filed with IRDAI; check it on your policy documents.

3 years, as stated by the insurer.

Room rent as stated by the insurer: SI Rs 4 lakh and above: options Shared Room / Single Private A/C Room / Any Room; SI up to Rs 3 lakh: Shared Room / Single Private A/C Room.

Co-payment as stated by the insurer: Zone co-payment (10%-25%) for treatment in a higher zone only for SI Rs 3 lakh and below; not applicable for Rs 4 lakh and above.

Maternity as stated by the insurer: Optional cover only.

60 days before and 180 days after hospitalisation.

2 lakh, 3 lakh, 4 lakh, 5 lakh, 6 lakh, 7 lakh, 8 lakh, 9 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 30 lakh, 40 lakh, 50 lakh, 1 crore, 150 lakh, 2 crore.

Data sources

  • Manufacturer official pages

Last updated

Product details

Disclosure

Links to insurers are not paid. Comparezi earns only from labelled ads, which never affect the Comparezi Score, the order of insurers, or the price shown, which is what the insurer listed when we checked.

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