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Aditya Birla Activ Health Platinum (Premiere)

ILM Ratings

ILM Ratings

Claims Experience:

Customer Service:

Product Benefits:

Introduction to Aditya Birla Activ Health Platinum (Premiere)

Aditya Birla Activ Health Platinum (Premiere) is a high-end, all-in-one health insurance plan that goes beyond regular hospitalisation. It offers unlimited sum insured reloads, international cover for major illnesses, critical illness cover, and includes benefits many plans miss—like mental illness, dental care, and OPD treatment. You can earn back up to 100% of your premium with wellness programs and even get a 1-year premium waiver on critical illness. However, it covers only listed no. of daycare treatments.

Claims Experience:

Customer Service:

Product Benefits:

Quick Overview:

What's Good?

• No restrictions on hospital room you can choose
• Non-medical costs covered - gloves, oxygen masks, etc.
• Mental illness treatment expenses covered
• Bariatric surgery for weight loss covered
• OPD costs covered - medications, tests, consultations, etc.
• Management program for diabetes, BP, high cholesterol, & asthma from day 1

What's Not Good?

• No monthly premium payment option
• Cap on no. of daycare treatments covered

Insurer Track Record

About Aditya Birla Health Insurance Company Limited

JV Partners

Turnover (GWP)

Number of Policies

Number of Claims

Detailed Product Overview

Unique Benefits

Exclusions Unique to this Policy

Have doubts regarding this plan?

Frequently Asked Questions

Will my premium be waived if I’m diagnosed with a critical illness under Aditya Birla Activ Health Platinum (Premiere)?

Yes. If you're 18 or older and are diagnosed with any of the listed critical illnesses (like cancer, kidney failure, stroke, etc.), the insurer will waive your premium for one policy year. This helps ease your financial burden during a serious medical crisis.

Does Aditya Birla Activ Health Platinum (Premiere) cover maternity expenses?

Does Aditya Birla Activ Health Platinum (Premiere) cover non-medical expenses?

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Did you know

1- Health insurance data and ratings were last updated in April 2026. All data has been sourced from product brochures, policy wordings, prospectus, public disclosures (Q4, FY 2024-2025), insurer websites, and the IRDAI website.

2- The Claims Settlement Ratio data is taken from NL-37, insurer public disclosures (Q4, FY 2024-2025). It is calculated by dividing health insurance claims settled divided by health insurance claims reported plus those outstanding at the start of the year.

3- The data related to claim complaints and policy purchase complaints is taken from NL-45, insurer public disclosures (Q4, FY 2024-2025).

4- The Solvency Ratio data is taken from NL-26, insurer public disclosures (Q4, FY 2024-2025).

5- The data related to claims settled within 30 days is taken from NL-39, insurer public disclosures (Q4, FY 2024-2025). It is calculated by dividing number of health insurance claims paid within 30 days by the total health insurance claims paid during the year.

6- The Claims Incurred Ratio data is taken from NL-4 and NL-5, insurer public disclosures (Q4, FY 2024-2025). It is calculated by dividing the Net Claims Incurred by the Net Earned Premium.

7- The Turnover data is taken from NL-4, insurer public disclosures (Q4, FY 2024-2025). It is calculated by converting net written premium to gross written premium.

8- The number of policies and claims data is taken from NL-45, insurer public disclosures (Q4, FY 2024-2025).

9- The Claim Rejection Ratio data is taken from NL- 37, insurer public disclosures (Q4, FY 2024-2025). It is calculated by dividing total claims repudiated and rejected by the sum of total claims outstanding at the beginning of the year and total claims reported during the period.

10- For now, we have considered the most comprehensive plans from leading insurance companies. We will keep updating the product pages with new plans in the coming days.

11- We have rated only those plans that can be serviced by individual advisors. This is because of our strong belief that health insurance customers need professional assistance from individual advisors before and after purchase. We do not recommend and hence do not rate direct-to-customer health insurance plans or plans where there aren't enough advisors available to service.

12- Affordability assessment of plans:

• The affordability of comprehensive plans is assessed using premiums for a family of two adults (30 years old) and one child (1 year old) residing in Zone 1, opting for a cover of ₹10 Lakhs.
• The affordability of Care Freedom Plan is assessed for a 46-year-old couple in Zone 1 with ₹10 lakh cover; premium as of 16th April 2026.
• The affordability of Care Freedom (Plan 1) is assessed for ₹5 lakh cover; premium as of 16th April 2026.
• The affordability of Acko Platinum Health Insurance is assessed using premiums for a family of two adults (30 years old) and one child (1 year old) residing in Zone 1, opting for a cover of ₹25 Lakhs. And, the premium is as of February 2024.
• The affordability of ICICI Lombard MaxProtect (Premium) is assessed using premiums for a family of two adults (30 years old) and one child (1 year old) residing in Zone 1, opting for a cover of ₹1 Crore. And, the premium is as of February 2024.
• The affordability of Niva Bupa - Senior First (Platinum), Manipal Cigna - Prime Senior (Elite) is assessed using premiums for a family of two adults (61 years old) residing in Zone 1, opting for a cover of ₹10 Lakhs. And, the premium is as of February 2024.
• The affordability of Aditya Birla Activ One (VIP+) is assessed using premiums for a family of two adults (30 years old) and one child (1 year old) residing in Zone 1, opting for a cover of ₹50 Lakhs. And, the premium is as of March 2024.
• The affordability of Aditya Birla Activ One (VIP) is assessed using premiums for a family of two adults (30 years old) and one child (1 year old) residing in Zone 1, opting for a cover of ₹50 Lakhs. And, the premium is as of April 2024.
• The affordability of Care Advantage Plan is assessed using premiums for a family of two adults (30 years old) and one child (1 year old) residing in Zone 1, opting for a cover of ₹25 Lakhs. And, the premium is as of April 2024.
• The affordability of IndusInd General Health Global (Elite) Plan is assessed using premiums for a family of two adults (30 years old) and one child (1 year old), opting for an India cover of ₹1.5 Crores and global cover of $0.15 Million. And, the premium is as of August 2024.
• The affordability of Star Health - Premier is assessed using premiums for a family of two adults (61 years old) residing in Zone 1, opting for a cover of ₹10 Lakhs. And, the premium is as of April 2025.
• The affordability of ManipalCigna - LifeTime Health (India) is assessed using premiums for a family of two adults (30 years old) and one child (1 year old) residing in Zone 1, opting for a cover of ₹50 Lakhs. And, the premium is as of April 2025.
• The affordability of Care Insurance Senior Health Advantage is assessed using premiums for a family of two adults (61 years old) residing in Zone 1, opting for a cover of ₹10 Lakhs. And, the premium is as of June 2025.
• The affordability of Optima Secure Global & Optima Secure Global Plus Plans is assessed using premiums for a family of two adults (30 years old) and one child (1 year old), opting for an India cover of ₹1 Crore. And, the premium is as of February 2026.
• The premium for Optima Super Secure is available only for a 3-year tenure and the pricing has been considered accordingly.

13-Premium ratings are as of 19th January 2026.

• For Activ One (VYTL), asthma was considered as the PED for premium retrieval.
• Aditya Birla Health – Activ Health Platinum (Enhanced): child age set to 5 years (minimum allowed).
• Care Plus: one adult must be 35+; test case updated accordingly to meet the minimum requirement.
• Care Supreme (Vikas): one adult must be 30+; test case updated accordingly to meet the minimum requirement.

14- We have considered the Inflation Protection benefit under Acko’s Platinum and Standard Health Plan instead of the No Claim Bonus Benefit.

15- We have only considered features, benefits, and limits of ‘India Cover’ under IndusInd General's Health Global (Elite) Plan.

16- The product benefits section is based on a sum insured of ₹10 Lakhs and only highlights the top benefits and features of health insurance plans.

17- Only those hidden and special conditions that apply to the benefits and features we have considered are included on the product pages.

18- The product pages only include the most significant specific exclusions under each plan, which we've simplified for better understanding.

19- The product pages do not include any generic terms, conditions, or exclusions (those that are the same and apply to all health insurance plans).

20- If the policy wording, brochure, or prospectus states that a benefit/feature is available with a specific plan but it is not available online when generating the premium quote, we have not considered that benefit/feature to be available with the plan.

21- We take into account more parameters, beyond those shown above, when calculating the customer service rating.

22- The response time on X (Twitter) was calculated using a sample set of tweets from July 2025 to December 2025 (analyzed in January 2026). The Response time on Toll Free was last evaluated in March 2026.

23- The metrics like claim complaints, policy purchase complaints, response time on Twitter and toll-free are not related to a specific product but are related to the overall performance of the insurance company.

24- The network hospitals' data was last updated in January 2026.

Your use of the website shall be governed by the Terms and Conditions and Privacy Policy of our website.

Aditya Birla Activ Health Platinum (Premier) is a health insurance policy offered by Aditya Birla Health Insurance Company Limited.

This plan stands out with unique features and benefits, offering a tailored approach to your specific healthcare needs. Beyond covering hospitalisation and related expenses, it extends its reach to include various costs like maternity expenses, non-medical expenses, and day-to-day OPD expenses for medicines, tests, consultations, etc. From day 1, it also covers management expenses for conditions like diabetes, hypertension, high cholesterol, and asthma. However, it's worth noting that this plan is positioned among the more expensive options in the market and does not provide the flexibility of monthly premium payments. Our research also indicates a higher volume of complaints for both claim settlements and policy purchases, suggesting a less favourable track record in terms of purchase and claims experience.

What are the benefits offered by the Aditya Birla Activ Health Platinum (Premier)?

• Inpatient hospitalisation coverage: The expenses you incur when you undergo hospitalisation for more than 24 hours, are called inpatient hospitalisation expenses. These include room boarding and nursing charges, medical practitioners' fees, the cost of prescribed medicines and drugs, ICU charges, and other related expenses. These expenses are covered by Aditya Birla Active Health Platinum(Premier) plan.
• Pre-hospitalisation coverage: Expenses you incur before you get admitted to the hospital are called pre-hospitalisation expenses. These include consultations, tests, physicals, lab reports, etc. The insurer will cover these expenses only if they are related to the medical condition for which you are later hospitalised and the claim is approved as part of your inpatient hospitalisation coverage. With the Aditya Birla Activ Health Platinum (Premier) plan, you can be assured that your pre-hospitalisation expenses will be taken care of for 60 days prior to your hospitalisation, up to the sum insured.
• Post-hospitalisation coverage: Expenses you incur after hospital discharge are called post-hospitalisation expenses. These expenses include follow-up consultations with your doctor, medical check-ups, rehabilitation sessions, physiotherapy, etc. Your post-hospitalisation expenses must be related to the condition you were hospitalised for and the claim must be approved under inpatient hospitalisation. The Aditya Birla Activ Health Platinum (Premier) plan provides coverage for post-hospitalisation expenses up to the sum insured, for a duration of 180 days following your hospital stay.
• Daycare treatment coverage: A daycare treatment is a treatment or medical procedure that necessitated a lengthy hospital stay in the past, but now can be efficiently done within 24 hours, thanks to remarkable advancements in medical technology. The Aditya Birla Activ Health Platinum (Premier) plan offers coverage for 586 daycare treatments, without any restrictions. Any day care procedure that requires a period of specialised observation or care following the procedure is also covered.
• Domiciliary treatment coverage: Domiciliary treatments refer to medical procedures and treatments that require immediate attention at a hospital but can be administered at your home, if you cannot be moved to a hospital because of the severity of your illness or injury or if there are no beds available at a nearby hospital. With the Aditya Birla Activ Health Platinum (Premier) plan, you can have peace of mind knowing that all expenses related to domiciliary treatments(except for 9 illnesses) are covered up to the sum insured.
• Organ donor coverage: The Aditya Birla Activ Health Platinum (Premier) plan offers coverage for expenses associated with harvesting the organ from the donor in case of organ transplantation, up to the sum insured, where you are the recipient.
• Modern treatment coverage: With the constant advancement of medical technology, previously unimaginable innovative treatments have now become a reality. Treatments like stem cell therapy, radio surgeries, etc. are designed to treat conditions that were once considered untreatable. The Aditya Birla Activ Health Platinum (Premier) plan is specifically tailored to keep up with these ground-breaking developments and covers expenses associated with these modern treatments, up to the sum insured, without any limitations.
• Non-medical expenses coverage: The Aditya Birla Activ Health Platinum (Premier) plan also includes coverage for non-medical expenses if you opt for an add-on. These are costs associated with consumables such as gloves, nebulisation kits, oxygen masks, etc. These consumables can add up to a significant amount. This plan covers such non-medical expenses up to the sum insured without any limit.
• No claim bonus: You receive a no claim bonus as a reward if you don't make any claims during a policy year. Aditya Birla Activ Health Platinum (Premier) plan offers 50% of the sum insured as a no claim bonus, subject to a maximum of 100% of the sum insured. No claim bonus will not reduce for claims made, if the claim is up to 25% of the sum insured.
• Super no claim bonus: In essence, the super no claim bonus is a boosted version of the no claim bonus. Please note that the Aditya Birla Activ Health Platinum (Premier) plan does not incorporate a super no claim bonus.
• Restoration benefit: The restoration benefit is a helpful feature in the Aditya Birla Activ Health Platinum (Premier) plan that restores your sum insured to its original amount if it gets used up during a policy year. This benefit is applicable for related and unrelated illnesses(including complications). It gets activated when there is a partial exhaustion of the sum insured and no claim bonus. Please note that this restoration benefit is applicable for subsequent claims unlimited times in a policy year.

Please note that the limits and conditions mentioned in the above benefits and features are for Rs. 10 Lakhs sum insured.

Aditya Birla Activ Health Platinum (Premier): Financial Limits

• Room rent limit: It is the maximum amount that your insurance provider will cover for the room you stay in during your hospitalisation. By selecting a room within this limit, you won't incur any additional charges. However, if you opt for a more expensive room, you'll be responsible for a proportionate share of the entire hospital bill, rather than just the room rent difference. In the Aditya Birla Activ Health Platinum (Premier) plan, there is no room rent limit. So, you have the freedom to choose any room without any restrictions.
• ICU rent limit: It is the maximum amount covered by your health insurance policy for your stay in the Intensive Care Unit (ICU) of a hospital. In the Aditya Birla Activ Health Platinum (Premier) plan, all expenses incurred during an ICU stay are covered up to the sum insured, without any limit.
• Copayment: A copayment is a certain percentage of the claim amount you are responsible to pay from your end. After this payment is made, the insurer will cover the remaining amount. But, the good news is that Aditya Birla Activ Health Platinum (Premier) plan doesn’t have copayment.
• Deductible: A deductible is a certain amount you are responsible for paying upfront before your policy begins to cover your medical expenses. Aditya Birla Activ Health Platinum (Premier) plan doesn’t have a deductible.
• Limits on surgeries/treatments: It is the maximum amount your health insurance policy will cover for specific medical procedures or treatments. Certain plans have such limits for specific procedures, while others do not. In the Aditya Birla Activ Health Platinum (Premier) plan, cataract treatment and joint replacement surgeries are covered up to the sum insured without any limit.

Please note that the above financial limits are taken for a 30-year-old individual opting for a sum insured of Rs. 10 Lakhs.

Aditya Birla Activ Health Platinum (Premier): Waiting Periods & Exclusions

👉Waiting period A waiting period refers to a specific time frame, after purchasing a health insurance policy, during which certain illnesses and medical conditions are not covered. You can claim these conditions once this period ends. Here are some types of waiting periods -

• Initial waiting period: The Aditya Birla Activ Health Platinum (Premier) plan includes a 30-day initial waiting period for all medical conditions, excluding accidents. During this period, you cannot claim for hospitalisation expenses except in the case of an accident.
• Waiting period for pre-existing diseases: A pre-existing disease is a medical condition or illness you had within 36 months before applying for a health insurance policy. In the Aditya Birla Activ Health Platinum (Premier) plan, there is a waiting period of 36 months for pre-existing diseases. During this period, you cannot claim expenses associated with your pre-existing disease.
• Waiting period for specific diseases: Besides pre-existing conditions, insurers may have a list of medical conditions or illnesses that entail a waiting period, regardless of whether you have had them in the past or not. This waiting period is determined by the insurer and is not dependent on your current health status. The Aditya Birla Activ Health Platinum (Premier) plan has a waiting period of 24 months for specific diseases and 48 months for genetic disorders.

👉Exclusions Exclusions refer to specific situations or medical conditions that the health insurance policy does not cover. Some of them include -

• Standard permanent exclusions: Insurance companies in India are required to comply with a specific list of "standard permanent exclusions" set by the Insurance Regulatory and Development Authority of India (IRDAI). Some of these exclusions are as follows -

1. Investigation and evaluation: Hospital admission for observation or monitoring.
2. Rest, rehabilitation, and respite care: Admission to a facility for bed rest without active treatment.
3. Obesity/weight control: Treatment or surgery related to weight control or obesity.
4. Gender reassignment: Treatments aimed at altering the body’s characteristics to match the opposite sex.
5. Plastic/Cosmetic surgery: Treatment or surgery intended to modify body characteristics or appearance.
6. Profession in hazardous or adventure sports: Treatment expenses resulting from participating in adventurous activities such as river rafting, mountaineering, scuba diving, etc. as a professional.
7. Breach of law: Expenses incurred in treating a person who has committed or attempted to commit a criminal act.
8. Excluded providers: Treatment received from medical practitioners or hospitals excluded by the insurance company.
9. Narcotics: Treating addiction to substances such as alcohol, drugs, etc.
10. Treatments in establishments arranged for domestic purposes: Expenses incurred for the treatment received in health spas, nursing homes, or similar establishments arranged entirely or partially for domestic reasons.
11. Dietary supplements, substances purchased without subscription: Vitamins, minerals, etc., that a medical practitioner does not prescribe.
12. Refractive error: Expenses associated with correcting refractive errors of up to 7.5 diopters to improve eyesight.
13. Unproven treatments: Surgeries, medical procedures, or treatments that are not proven to be effective.
14. Expenses related to birth control, sterility, infertility: Contraception, sterilisation, artificial insemination, advanced reproductive technologies such as IVF, ZIFT, GIFT, ICSI, gestational surrogacy, etc.
15. Maternity expenses: Pre/post-natal costs, childbirth-related hospitalisation expenses, etc.

• Additional permanent exclusions: Apart from the standard permanent exclusions mandated by the IRDAI, insurance companies have the authority to impose additional exclusions on specific illnesses and situations. If a certain illness is considered high-risk, insurers can choose to permanently exclude it from coverage. It is important to note that insurers can only apply permanent exclusions for diseases that are included in the pre-approved list outlined by the IRDAI.
• Non-standard exclusions (specific exclusions): The insurer may impose specific exclusions beyond the IRDAI’s standard permanent exclusions. These exclusions vary across insurers and depend on the policy’s terms and conditions. Here are some of the specific exclusions listed under the Aditya Birla Activ Health Platinum (Premier) plan -

1. Injury or illness resulting from acts of terrorism, nuclear emissions, war, civil war, etc., whether directly or indirectly.
2. Injury or illness arising from self-inflicted harm or involvement in naval, military, air force operations, etc.
3. Injury or illness caused by the intoxicants, participation in smoking cessation programs, and treatment for nicotine addiction, unless prescribed by a medical practitioner.
4. Circumcision unless deemed necessary for the treatment of a disease or injury.
5. Expenses related to non-allopathic treatment.
6. Experimental or investigational devices and treatments.
7. Costs for preventive care, vaccinations, inoculations, and immunizations (excluding post-animal bite treatment).
8. Expenses related to physical, psychiatric or psychological examinations or testing.
9. Hospitalisation for nutritional and electrolyte supplements unless medically necessary.
10. Costs related to hearing aids, multifocal lenses, spectacles,  contact lenses, etc.
11. Expenses associated with hair loss treatments and products.
12. Elastic stockings, diabetic test strips, and other similar medical supplies.
13. Expenses related to prostheses or external equipment of any type used for diagnosis or treatment.
14. Parkinson's disease, Alzheimer's disease, fatigue, sleep apnea, stress, etc.
15. Treatment expenses for external birth defects.
16. Stem cell therapy, excluding bone marrow transplant for haematological conditions.
17. Expenses related to screening of organ donors.
18. Treatment for spinal injuries, skeletal structure issues, and muscle stimulation, excluding fracture treatment other than hairline fractures.
19. Expenses related to treatment of venereal and sexually transmitted diseases.
20. Expenses related to dental treatments, unless required due to an accident.
21. Hyperbaric oxygen therapy, KTP laser surgeries, cyber knife treatment, and other similar treatments.
22. Use of radio frequency, unless it has been approved in advance in writing.

What to expect in terms of claims experience if you buy from Aditya Birla Health Insurance Company Limited?

• Speed of claims: Aditya Birla Health Insurance Company Limited has a record of settling claims quickly and efficiently. It has settled 94.59% of claims in less than 30 days.
• Claim-related complaints: As per our research, Aditya Birla Health Insurance Company Limited has received 0.22% of complaints related to claims, which is significantly higher than other insurance companies.
• Claims incurred ratio: The claims incurred ratio is a measure of an insurer's financial performance. It shows the total claims paid out in relation to the premiums received in a specific fiscal year. Aditya Birla Health Insurance Company Limited has a claims incurred ratio of 68.31%.
• Claim settlement ratio: Aditya Birla Health Insurance Company Limited's claim settlement ratio stands at 94.51%. This figure reflects the proportion of total claims received to those successfully settled by the company in a specific fiscal year.
• Network hospitals: Aditya Birla Health Insurance Company Limited provides access to an extensive network of 11,000+ hospitals. This broad network allows customers to receive cashless treatment without any financial worry.

How is the customer service of Aditya Birla Health Insurance Company Limited?

• Policy purchase-related complaints: Based on our research, Aditya Birla Health Insurance Company Limited has received 0.03% of complaints related to its after-sales service, which is significantly higher than other insurance companies.
• Response on Toll-Free: Our research suggests that Aditya Birla Health Insurance Company Limited’s response time on their toll-free number is average, as compared to other insurers.
• Response on Twitter: As per our research, Aditya Birla Health Insurance Company Limited’s response time on Twitter is average, as compared to others.

About Aditya Birla Health Insurance Company Limited

Aditya Birla Health Insurance Company Limited (ABHICL) is a joint venture between Aditya Birla Group and MMI Holdings of South Africa. It offers unique products like Chronic Care and Incentivized Wellness. Established in 2015, the company is headquartered in Mumbai, Maharashtra. Mr. Mayank Bathwal serves as the company's CEO and MD.

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Industry Experts with up to 20 years of experience help you from purchase to claims.