Aditya Birla Activ Health Enhanced Plan

All about Aditya Birla Activ Health – Enhanced Plan

A comprehensive health insurance plan, Aditya Birla Activ Health – Enhanced Plan, is designed to enable policyholders to take care of hospitalization and other medical needs. It enables you to be financially prepared for planned and emergency medical expenses well in advance. The unique benefits like Reload of Sum Insured, Choice of Hospital Room and Chronic Management Program offered by Aditya Birla Activ Health – Enhanced Plan make it an effective health plan for people across varied needs. It is well-suited for individuals as well as families.

Features of Aditya Birla Activ Health – Enhanced Plan

Policy Tenure1 or 2 or 3 years
Sum InsuredRs. 2 lakh - Rs. 2 crore
In-patient hospitalizationChoice of shared, single or any room
Pre-hospitalization medical expenses60 days
Post-hospitalization medical expenses180 days
Day care TreatmentAvailable
Domiciliary HospitalizationAvailable
Ambulance HospitalizationActuals at network hospitalization & max. of Rs. 5,000 per hospitalization in a non-network hospitalization
Organ Donor Expenses Available
Reload of Sum InsuredAvailable
Cumulative BonusUp to a max. of Rs. 50 lakhs
Health Check-up ProgramAvailable, once in a policy year
Benefit for Hospital Room ChoiceAvailable
Second e-Opinion on Critical IllnessAvailable
Worldwide Emergency Assistance ServicesAvailable
Chronic Management ProgramAvailable
Health ReturnsAvailable
Wellness CoachAvailable
Hospital Cash BenefitAvailable
Recovery Benefit1% of Sum Insured, max. of Rs. 10,000 (10 days of hospitalization)

Benefits of Aditya Birla Activ Health – Enhanced Plan

HealthReturns: This feature offered by Aditya Birla Activ Health – Enhanced Plan enables the policyholder to earn up to 30% of the annual policy premium. The return amount can be used to pay renewal premium or for the payment of medicines, medical tests, etc.

Day 1 Cover: This amount can be utilized for the payment of diagnostic tests, medicines, doctors’ consultation fees in case of chronic illnesses like asthma, diabetes, hypertension, high cholesterol, etc.

Choice of Hospital Room: This feature offers you the flexibility to choose the type of hospital room you would prefer to be hospitalized, when need be, right at the start of your policy tenure.

Reload of Sum Assured: Policyholders are eligible for 100% reload of sum assured in case of an unrelated illness in the same policy year. In case of road accidents, reload of the sum insured happens in the first claim itself.

Tax Benefits of Aditya Birla Activ Health – Enhanced Plan

Tax benefits on annual premiums up to Rs. 25,000 can be availed as per Section 80D of the Income Tax Act, 1961, Aditya Birla Activ Health – Enhanced Plan.

What is Covered in Aditya Birla Activ Health – Enhanced Plan

The following are some of the benefits covered by Aditya Birla Activ Health – Enhanced Plan:

  • Critical Illnesses like diabetes, cholesterol, hypertension, asthma, etc. as covered under the Chronic Management Program of Aditya Birla Health Insurance
  • In-patient hospitalization
  • Pre-hospitalization medical expenses
  • Post-hospitalization medical expenses
  • Daycare Treatment
  • Domiciliary Hospitalization
  • Ambulance Hospitalization
  • Organ Donor Expenses
  • Reload of Sum Insured
  • Cumulative Bonus
  • Health Check-up Program
  • Benefit for Hospital Room Choice
  • Second e-Opinion on Critical Illness
  • Worldwide Emergency Assistance Services
  • Chronic Management Program
  • Health Returns
  • Hospital Cash Benefit
  • Recovery Benefit
  • Maternity Benefit cover like new-born baby expenses, vaccinations, medically necessary treatments and lawful medical termination of pregnancy, etc. on opting for the maternity benefit cover

What is Not Covered in Aditya Birla Activ Health – Enhanced Plan

The following are the exclusions of Aditya Birla Activ Health – Enhanced Plan.

  • Manmade disasters like war, invasion, etc.
  • Surgeries that are meant for enhancing facial features like plastic and dental surgeries, and surgeries for congenital disorder, infertility, etc.
  • Treatment for mental illnesses
  • General debility, growth hormone therapy, congenital external diseases and defects, genetic disorders, etc.
  • Intentional self-injury and treatment for drug addiction and alcoholism
  • Hospitalization for medical examinations like X-ray

Eligibility Criteria for the Aditya Birla Activ Health – Enhanced Plan

  • The minimum age of enrolment under Aditya Birla Activ Health – Enhanced Plan is 91 days. There is no maximum age limit for the plan.
  • It is mandatory for applicants of Aditya Birla Activ Health – Enhanced Plan to undergo a medical test at the time of enrolment to analyse their current status of health.
  • Children below the age of 25 years can be covered as dependents under the family health insurance plan.
  • Family floater plan covers upto 9 members (6 Adults+3 children) comprising of self, spouse, dependant parents, dependant parents-in-law, children up to 25 years (up to 3).

Required Documents to Buy Aditya Birla Activ Health – Enhanced Plan

  • Proof of identity
  • Proof of address
  • Proof of age
  • Passport size photographs

How to Settle Claims against Aditya Birla Activ Health - Enhanced Plan & Document Required For Claim

Cashless Claims Process

Step 1 – Check Network Hospital: Get in touch with your preferred network hospital of Aditya Birla Health Insurance

Step 2 – Patient Identification: Present Aditya Birla Health Insurance Cashless Card or provide policy number, along with valid ID Proof like PAN, Passport, Voter ID for verification

Step 3 – Cashless Identification Request Form: This form has to be submitted within 48 hours of hospitalization in case of case of emergency hospitalization. For planned hospitalization, the form has to be submitted at least 3 days before hospitalization.

Step 4 – Hospitalization Request Review: Aditya Birla Health Insurance gets in touch with the network hospital within 2 business hours. You are notified of the same through an SMS or email.

Step 5 – Claim Settlement: After the necessary documents have been verified by Aditya Birla Health Insurance, the claim will be settled.

Reimbursement Process

Step 1: Get in touch with Aditya Birla Health Insurance to initiate claims.

Step 2: Submission of necessary claim documents.

Step 3: The documents are verified. The insurance company may ask for other documents, if necessary. After thorough verification of the authenticity of the documents, the claims are reimbursed.

Required documents

  • Claims Form, duly filled by the hospital
  • Health card or policy copy
  • KYC documents (photo ID, Address Proof and Age Proof)
  • Copy of Hospital Registration Certificate
  • Original Discharge Card/ day care summary/ transfer summary or death summary
  • Original final hospital bill, receipts, diagnostic test reports, etc.
  • Letter from treating medical practitioner

Conclusion & Reviews


Aditya Birla Activ Health – Enhanced Plan offers attractive benefits like reload of sum assured, choice of hospital room, rebates on annual policy premium that makes it a comprehensive yet affordable health plan. It covers hospitalization and medical expenses as well as pre and post hospitalization charges. It is suitable for individuals as much as it is for families.

Aditya Birla Activ Health - Enhanced Plan Reviews

“The extensive list of network hospitals of the insurance company was one of the reasons why I chose Aditya Birla Activ Health – Enhanced Plan. The cashless benefit that I could avail when I was hospitalized ensured that I could be eligible for all medical services without the hassle of cash transactions. Glad that I selected this plan.” – Manish Arya

“The high claim settlement ratio along with comprehensive coverage of Aditya Birla Activ Health – Enhanced Plan were the reasons why I decided to go for this plan.” – Aditi Rastogi

“Aditya Birla Activ Health – Enhanced Plan offers several unique benefits like HealthReturns, reload of sum assured, etc., which several other health plans do not include. It looked like a useful health insurance plan for my entire family and I haven’t been proved wrong. Great job guys! – Anindita Tibrewal