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Last updated on: September 22, 2025
The Aditya Birla Activ Classic Plan and Activ Health Platinum Essential Plan are both comprehensive health insurance policies but cater to different needs. The Activ Classic Plan is ideal for individuals and families seeking basic coverage with options like daily hospital cash and wellness benefits at an affordable premium. In contrast, the Activ Health Platinum Essential Plan offers enhanced protection, including wider coverage for chronic illnesses, mental health, and wellness incentives. It also features additional benefits such as chronic management, higher sum insured options, and global coverage, making it more suitable for those prioritizing extensive healthcare needs. Ultimately, the choice depends on your coverage requirements, budget, and desire for advanced health features.
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One of the best decisions that need to be made by Indian families is the right health insurance decision. As medical expenses rise in 2025, it is important to compare two best health plans, including Aditya Birla Activ Classic Plan and the Aditya Birla Activ Health Platinum Essential Plan. These two plans have a number of health benefits, features, as well as customer-centric facilities, so the choice of one should be based on your needs and budget.
We will take a closer look at these plans, including the benefits, highlights, comparison, expertise, and customer questions so that you can have the best health coverage in 2025.
Aditya Birla Activ Classic Plan is a health insurance that is provided to individuals and families. It is famous because it is affordable and has a widespread coverage to cover specifically to middle-income earners and first-time health insurance consumers. This plan includes the basic hospitalisation, pre and post hospitalisation, day care procedures and provides wellness benefits as a way of promoting healthy living.
Did you know?
Industry analysts indicate that more than three out of five first time purchasers in India are interested in having preventive healthcare benefits and low premiums in their plans[1].
A step ahead, and the Aditya Birla Activ Health Platinum Essential Plan will be placed as a premium product that has more benefits. This plan has been created to suit individuals and families with smart health benefits, higher sum insured benefits and bonus benefits that are paid on keeping to healthy habits.
The two plans cater to various needs of the audience in 2025. Although the Classic Plan suits well young people, small families, or buyers with limited funds, the Platinum Essential Plan suits those aiming to have broad coverage, lifestyle perks, and long-term wellness incentives.
| Benefit | Activ Classic Plan | Activ Health Platinum Essential |
|---|---|---|
| Sum Insured Options | Maximum 50 lakh | Maximum 2 crore |
| Pre Hospitalisation | 60 days | 30 days |
| Post Hospitalisation | 60 days | 180 days |
| Day Care Procedures | 586 | 586 |
| Room Rent | No capping | No capping (Single private AC) |
| Health Checkups | Annual | Annual |
| Chronic Disease Management | Not Included | Included |
| HealthRewards Incentive | Not Available | Up to 30 percent premium refund |
| Ayurvedic and Alternative Coverage | None covered | Covered to the amount of sum insured |
Both plans have a fast and digital first claim process that is highly valued by customers nowadays. Both the cashless and reimbursement claims can typically be processed within a week in metro regions with the help of the Active Health app and a dedicated helpline.
People also ask
In these plans, what do you need to claim a cashless payment?
You have to have a health card, valid photo ID, network hospital documents, and claim form.
All health insurance schemes have some waiting periods and indefinite exclusions to take into consideration prior to purchase.
Classic Plan
Platinum Essential Plan
Did you know?
In 2025, IRDAI can redefine the norms of the waiting period to be more transparent, and therefore one should always redefine the recent regulations before buying something[2].
Self, spouse, children and parents are tax deductible under Section 80D of the Income Tax Act. Both these plans attract maximum tax deduction limits:
In both plans, there are a number of add-on benefits in 2025 that can be used to personalise the policy:
These add-ons are elected during a purchase or on the renewal of a policy in order to increase coverage.
People also ask
Is it possible to upgrade to Platinum Plan after being on the Classic plan?
Yes, it is upgradeable at the time of renewal, the difference in premium will apply. Waiting periods can be reinstated by some covers.
The cost of the insurance premium in 2025 will be based on age, amount of sum insured which is chosen, location, members included in the family and pre-existing conditions.
Example
A 35 years old healthy male who has chosen the coverage of Rs 10 lakh:
Cities and addition of more members of the family may also cause a difference in premiums.
The 2025 reviews indicate that the two plans are characterized by high customer satisfaction, particularly due to the speed at which claims are made and the ease of renewing them. HealthReturns reward program and extended health management feature are especially valued by the platinum plan users. Classic Plan The value of money and simplification are its features appreciated by the users.
Did you know?
According to a 2025 survey by Policybazaar, family floater schemes have overtaken individual plans by 30 percent by the urban India health policy buyers[3].
Which is the better 2025 family plan?
Platinum Essential plan suits large or multi-generational families because of the large sum insured, no limit on the amount of rent to be paid and cover on chronic diseases.
Is the existing policy I have portable to these Aditya Birla plans?
Yes, inter-insurance transfer is permitted during renewal, which is granted by the underwriter.
What is the time period of the settlement of claims at Aditya Birla Health Insurance?
The bulk of cashless payment claims take between 3 and 7 working days to be completed.
These plans involve AYUSH coverage?
The Platinum Essential plan only covers Ayurveda, Yoga, Naturopathy, Unani, Siddha and Homeopathy.
Are medical pre-policy tests compulsory?
Typically in the cases of those applicants older than 45 or with particular health history. Young healthy purchasers might not take tests particularly at low sum insured.
The Activ classic plan and Activ health platinum essential by Aditya Birla are both plans providing coverage to Indian families in the year 2025. It must be based on the health history of your family, budget and whether you desire smart health incentives as well as basic coverage.
How could we improve this article?
Written by Prem Anand, a content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors.
Prem Anand is a seasoned content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors. He has a strong command of industry-specific language and compliance regulations. He specializes in writing insightful blog posts, detailed articles, and content that educates and engages the Indian audience.
The content is prepared by thoroughly researching multiple trustworthy sources such as official websites, financial portals, customer reviews, policy documents and IRDAI guidelines. The goal is to bring accurate and reader-friendly insights.
This content is created to help readers make informed decisions. It aims to simplify complex insurance and finance topics so that you can understand your options clearly and take the right steps with confidence. Every article is written keeping transparency, clarity, and trust in mind.
Based on Google's Helpful Content System, this article emphasizes user value, transparency, and accuracy. It incorporates principles of E-E-A-T (Experience, Expertise, Authoritativeness, Trustworthiness).
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