Aditya Birla Activ Health Platinum – Premiere (2025): Everything You Need to Know
If you consider that your health merits more than merely a basic policy, the Aditya Birla Activ Health Platinum – Premiere Plan is just what you need. It goes beyond boat-like insurance: this world-class coverage plan rewards your lifestyle, aids in achieving your health goals, and bolsters you wherever in the world life takes an unexpected detour.
Needless to say, this plan delivers a holistic 360° coverageruning the gamut from inpatient hospitalization and international care to wellness coaching, dental assessments, and mental health support as well.
What is Activ Health Platinum – Premiere?
Inside Aditya Birla’s Activ Health product family, Platinum – Premiere stands out as their supremest and most comprehensive health insurance option in 2025. Designed for individuals and families who value extensive healthcare coverage in India and overseas, the policy wraps together hospitalization, cashless home treatment, preventive care, fitness incentives, and critical illness protection into a single dynamic coverage.
Granting a sum-insured scale of ₹10 lakhs to ₹2 crores, this plan perfectly suits high-net-worth individuals, urban families, and global professionals who will not compromise on their health.
Why Choose This Plan in 2025?
- Worldwide coverage for 16 major illnesses with cashless international hospitalisation.
- The capacity to reload your sum insured unlimited times, even for a single illness.
- HealthReturns guarantee that you recover 100% of your premium by staying physically active.
- Payment in case of critical illnesses posing a threat to life
- Dental consultation expenses, OPD, physiotherapy, and mental wellness care
- All forms of Homeopathy, AYUSH therapies, and modern robotic treatments are included.
- Day-one coverage for diabetes, asthma, cholesterol, and high BP
- All-Round Expert Health Coaches for guidance in physical, nutritional, and mental health.
- Inpatient rehabilitative therapy, second medical diagnoses, and personal accident protection.
- Yearly health check-up that includes the Healthy Heart Score™
- Waiver of premium upon the diagnosis of a major illness
- Cashless access that’s super-fast, available across more than 11,000 hospitals across India.
What’s Covered?
The Platinum Premiere Plan offers one of the widest spectrums of coverages available in the industry today. This is what it covers:
In-Patient Hospitalization
- Pre-Hospitalization Expenses: Benefits extend up to 60 days prior to admission.
- Post-Discharge Costs: Consequently, we cover these expenses for a period of up to 180 days after you are released.
- Home Treatment: You’re covered for chemotherapy, dengue, hepatitis, dialysis, and additional conditions.
- Daycare Procedures: More than 600 covered in full.
- Domiciliary Hospitalization: Covered whenever hospitalisation is unfeasible.
- AYUSH and Mental Illness Treatment: Entire coverage up to sum insured.
- Modern Treatments: Robotic surgery, oral chemotherapy, and stem cell therapy are among the coverages.
- Recovery-centred physiotherapy sessions are reimbursed post-hospitalization.
- Dental consultation and diagnostics: offered through network partners only.
- Health Check-up and Healthy Heart Score: Once every year, from Day 1
- Chronic Management Program: Listed lifestyle diseases become covered from Day 1.
- Second medical opinion: When a critical or major illness arises
- HealthReturns™: Get up to 100% of your base premium back through regular fitness tracking.
- Critical Illness Benefit: A lump-sum payout is released upon the diagnosis.
- Personal Accident Cover: provides a payout of ₹50–₹100 lakhs for AD/PTD.
- International Coverage: ₹3 Cr / ₹6 Cr in cover for 16 listed major illnesses
- No-Claim Bonus / Cumulative
- Super Reload: Restore your sum insured an unlimited number of times.
What’s Left Out? (Exclusions)
Yet, for a policy that spans such a wide spectrum, some exclusions are still in place, as is customary for all insurance policies.
- Any medical treatment taken during the first 30-day waiting period, except in case of an accident.
- Pre-existing conditions are excluded for a 36-month period unless they have already been insured.
- Particular diseases and operations such as hernia or joint replacement require a 36-month waiting period.
- Except in cases where surgery is medically essential, cosmetic or plastic procedures are uncovered.
- Diagnostic fees only are reimbursed for dental implants, dentures, and orthodontic procedures.
- Hearing aids, spectacles, contact lenses, and other vision correction treatments
- Self-harm, suicide attempts, or conditions arising from drug/alcohol abuse
- Excluding those specifically listed, hereditary anomalies or illnesses are not covered.
- Experimental/unproven treatments, along with others that lack medical recognition.
- Injuries sustained on account of war, terrorism, nuclear incidents, or criminal acts.
Who Should Consider This Plan?
This plan is ideal for:
- High-income professionals who are seeking holistic and reward-oriented health insurance.
- Regular travellers in need of worldwide medical coverage
- Families whose members suffer from hereditary lifestyle conditions
- For senior executives who would like hassle-free access to OPD, physiotherapy, and home care support.
- Health-minded individuals who wish to collect rewards for sustaining healthy habits.
- Individuals suffering from chronic illnesses that call for ongoing outpatient and diagnostic treatment
Premium Chart (Indicative – 2025)
| Age Group | ₹10L Sum Insured | ₹25L Sum Insured | ₹50L Sum Insured | ₹1 Cr Sum Insured |
|---|---|---|---|---|
| 25 – 30 years | ₹14,000 – ₹17,000 | ₹24,000 – ₹29,000 | ₹32,000 – ₹38,000 | ₹44,000 – ₹52,000 |
| 31 – 35 years | ₹15,500 – ₹18,500 | ₹26,000 – ₹31,000 | ₹35,000 – ₹41,000 | ₹48,000 – ₹56,000 |
| 36 – 40 years | ₹17,000 – ₹20,000 | ₹28,000 – ₹34,000 | ₹38,000 – ₹45,000 | ₹52,000 – ₹60,000 |
| 41 – 45 years | ₹19,000 – ₹23,000 | ₹31,000 – ₹38,000 | ₹42,000 – ₹49,000 | ₹57,000 – ₹65,000 |
| 46 – 50 years | ₹22,000 – ₹26,500 | ₹35,000 – ₹43,000 | ₹47,000 – ₹56,000 | ₹63,000 – ₹72,000 |
| 51 – 55 years | ₹25,000 – ₹29,500 | ₹39,000 – ₹48,000 | ₹53,000 – ₹62,000 | ₹70,000 – ₹80,000 |
| 56 – 60 years | ₹28,000 – ₹33,500 | ₹43,000 – ₹52,000 | ₹58,000 – ₹68,000 | ₹77,000 – ₹88,000 |
FAQs
Can this plan be utilized outside India?
Yes. Upon diagnosis of one of the 16 specified illnesses, you can avail hospitalization abroadup to ₹3 Cr or ₹6 Cr, depending on the variant you choose.
Does the plan extend cover to mental health and dental?
Yes. Both hospitalization for mental health conditions and dental consultations/investigations carried out at our partner facilities are covered.
Do I have any cap on the number of times I can restore my sum insured?
No. The Super Reload is uncapped, and it can even be utilized for the same illness.
What if I don’t ever file a claim?
You can secure a No Claim Bonusan additional 50% coverage every year that can rise to 100% in totalwhile still earning HealthReturns™.
Do I get reimbursement for OPD or physiotherapy?
Yes. The policy benefits cover OPD expenses and physiotherapy sessions undertaken after hospital discharge.
Final Thoughts
Aditya Birla Activ Health Platinum – Premiere Plan goes beyond being a mere health policyit puts together a comprehensive healthcare ecosystem. It bolsters your wellness, absorbs hefty out-of-pocket expenses, and adjusts to your changing needs. Be it incentivising your healthy habits or guaranteeing access to world-class medical care, the plan stands true to its role as a genuine health partner.
For those who refuse to compromisethe plan delivers value, vision, and versatility in a single premium bundle.