Individuals and families who want high coverage up to ₹2 crore
strong wellness rewards
chronic-condition management
mental illness and bariatric treatment cover
and are willing to configure room/add-ons carefully and accept a 36-month PED waiting period.
What Works Well
Sum Insured options from ₹2 lakh to ₹2 crore
60 days pre-hospitalization and 180 days post-hospitalization
Mental illness hospitalization covered up to Sum Insured
Medically necessary bariatric surgery covered subject to policy conditions
AYUSH covered up to Sum Insured
Home Treatment covered up to Sum Insured for specified illnesses
50% cumulative bonus per claim-free year up to 100%
subject to maximum ₹1 crore
HealthReturns can earn up to 100% of premium
Premium waiver for one policy year on first diagnosis of listed critical illnesses
subject to conditions
Optional maternity cover includes newborn and vaccination benefits
No mandatory base co-payment is shown for Platinum Enhanced in verified current-UIN policy schedules
For Sum Insured ₹4 lakh and above
the higher-zone co-payment rule is not applicable
Future Secure add-on can waive listed non-medical expenses and can include NCB Shield and Sum Insured Inflation Protector
Watch Out For
Room category must be selected; choosing a higher room than eligibility can trigger proportionate deductions
For Sum Insured of ₹3 lakh and below
treatment in a higher zone can attract 10%
15% or 25% co-payment
Base reload is once per policy year and is restricted to subsequent unrelated claims
Pre-existing disease waiting period is 36 months
Maternity is an optional cover with a 48-month waiting period
Non-medical consumables are excluded in the base policy unless covered through an applicable add-on/rider
The published premium does not have a fixed absolute maximum; actual premium varies materially by age
Sum Insured
zone
room option
family composition
add-ons and underwriting
Super Reload should not be assumed to be available under Platinum Enhanced merely because it exists in generic Activ Health policy wording
36-month PED waiting period
Room entitlement must be selected and proportionate deduction may apply if exceeded
Conditional higher-zone co-payment for SI up to ₹3 lakh
Base reload is restricted to subsequent unrelated claims
Maternity has a 48-month waiting period and is optional
Base policy excludes many non-medical expenses
Hidden Clauses - Read Very Carefully!
These clauses are often buried in fine print.
MyInsureBuddy surfaces them so you're never surprised at claim time.
Data Not Available
Doctor must confirm in writing that domiciliary treatment was medically necessary and all conditions were met
‘Any room’ rent limit is available as an upgrade option
Organ donor cover does not include pre/post-hospitalisation expenses
⚡ At a Glance
Cashless Available No Room Rent Limit Maternity Cover Online Claim Tracking Personal Claim Manager Domiciliary Cover Family Floater Modern Treatments Reset Benefit Organ Donor Teleconsultation Health Coaching Preventive Checkups Co-payment Applies Room Rent Cap Complex Exclusions Restore Restrictions Claim Restrictions
Road Ambulance
₹5,000
Cum. Bonus
50%/yr (max 100%)
Special Benefits
•Restore Benefit
Wellness Benefits
•HealthReturns up to 100% of premium
•Healthy Heart Score
•Active Dayz
•Health Assessment
•Health Check-up Program
•Expert Health Coach
•Nutrition coaching
•Mental health coaching
•Homeopathy tele-consultation
Modern Treatments
•Uterine Artery Embolization and HIFU
•Balloon Sinuplasty
•Deep Brain Stimulation
•Oral Chemotherapy
•Immunotherapy
•Monoclonal Antibody injection
•Intra-vitreal injections
•Robotic surgeries
•Stereotactic radio surgeries
•Bronchial Thermoplasty
•Vaporisation of the prostate (Green laser or holmium laser)
•Intra Operative Neuro Monitoring
•Hematopoietic stem cell therapy for bone marrow transplant for haematological conditions
•Reduction in PED Waiting Period add-on (availability must be confirmed in quote/policy schedule)
Domiciliary Exclusions
•Asthma
•bronchitis
•tonsillitis and upper respiratory tract infection including laryngitis and pharyngitis
•cough and cold
•influenza
•Arthritis
•gout and rheumatism
•Chronic nephritis and nephritic syndrome
•Diarrhea and all types of dysenteries including gastroenteritis
•Diabetes mellitus and insipidus
•Epilepsy
•Hypertension
•Psychiatric or psychosomatic disorders of all kinds
•Pyrexia of unknown origin
Key Benefits (Pros)
•Fewer claim settlement complaints
•Fewer after-sales complaints
•Higher claim settlement ratio than many competitors
•Lower claim rejection and repudiation ratio than many competitors
Policy Drawbacks
•Response time on X is average compared with other insurers
Day 31 Covered Diseases
•Data Not Available
•Diabetes Hypertension Hyperlipidemia / High Cholesterol Asthma
Insurer Positives
•Fewer claim settlement complaints
•Fewer after-sales complaints
•Higher claim settlement ratio than many competitors
•Lower claim rejection and repudiation ratio than many competitors
Insurer Negatives
•Response time on X is average compared with other insurers
Eligibility and Sum Insured
•Family Floater: dependent child from 91 days and adult from 18 years
•Individual policy minimum entry age: 5 years
•No maximum entry age stated in brochure
•Sum Insured options: ₹2 lakh to ₹2 crore
Chronic Management and Wellness
•Chronic Management Program for asthma, hypertension, high cholesterol and diabetes
•HealthReturns up to 100% of premium
•Health Assessment and Healthy Heart Score
•Expert Health Coach
•Mental health coaching
•Homeopathy tele-consultation for eligible Platinum Enhanced configurations
Optional Covers
•Personal Accident Cover
•International Coverage for Major Illnesses
•Critical Illness Cover
•Maternity Expenses
•OPD Expenses
•Hospital Cash Benefit
•Room option/upgrade configurations
•Future Secure/non-medical expense protection as a separately paid market-listed rider/add-on
Policy Selection Checklist
•Prefer Sum Insured of ₹4 lakh or above to avoid the plan's higher-zone co-payment rule; for meaningful urban hospitalization protection, evaluate substantially higher cover based on your budget and family profile.
•Choose the room option carefully. If Any Room is selected and shown in the schedule, room-linked proportionate deductions are much less likely to become an issue.
•Do not buy this plan assuming unlimited restoration. The verified Platinum Enhanced schedule shows base Reload once per policy year and Super Reload not available.
•If consumables/non-payable items matter, verify that Future Secure / Non-Medical Expense Waiver is actually selected in the quote and policy schedule.
•Maternity is useful only when the 48-month waiting period fits your planning horizon.
•For diabetes, hypertension, high cholesterol or asthma, the Chronic Management Program is a meaningful differentiator, but hospitalization waiting-period rules still need to be checked separately.
•Before payment, verify five items on the final quote: Sum Insured, room option, zone, add-ons, and any co-payment/underwriting loading.
Premium Interpretation
•Current insurer-advertised starting premium: ₹8,215 per year.
•premium_max in this JSON is ₹53,008, the highest directly verified annual premium sample found under the current UIN in public market policy documents.
•₹53,008 is not an insurer-declared absolute maximum. The product has no single fixed maximum premium because pricing varies by age, Sum Insured, city/zone, room option, family size, add-ons, health disclosures and underwriting.
📌 Other Custom Details
•Source: Uploaded Activ Health Platinum Enhanced brochure and Activ Health policy wording (primary); FY2025-26 insurer metrics and ILM/Beshak data supplied by user; current Aditya Birla official product pages/prospectus; current-UIN public policy schedule samples used for premium range and add-on verification. premium_max=53008 is the highest verified current-UIN annual market sample found, not an insurer-declared absolute ceiling.
