Compare & Buy Car, Bike and Health Insurance Online - InsuranceDekho
Claim, renew, manage & moreLogin
  Hurry Up!
Save tax in 80D by purchasing a Health Insurance Today. View Plan

Aditya Birla Activ Health Enhanced Health Insurance

33 reviews Rate This
Activ Health Enhanced
Claim Settlement Ratio94%
COVID-19 CoverYes
In-House Claim SettlementAvailable
Network Hospitals6,000+
Policies Sold1,86,244+

About Aditya Birla Activ Health Enhanced Health Insurance

Activ Health Enhanced plan is a premium variant of Activ Health Plan by Aditya Birla Health Insurance Co. Ltd. The plan protects health while offering rewards at the same time. Designed to provide support in the journey towards well-being, Activ Health Enhanced Plan offers coverage of up to Rs. 2 Crore. What’s more, is that it rewards the insured in the form of health returns.

A stepping stone towards a healthier life, Activ Health Enhanced offers Day 1 cover for certain chronic illnesses such as high cholesterol, diabetes, hypertension, asthma, etc. Moreover, it provides the choice of a hospital room at the start of the policy tenure. Up to 30% of annual health insurance policy premium as HealthReturns and 100% reload of the sum insured in case of unrelated illnesses and accidents within the same year are a few highlights of the Activ Health Enhanced plan.

Health Insurance Calculator

Whom do you want the insurance for ?


Select the age of all members

  • You

Where do you live ?

Choose required Coverage for yourself?

2 Lac
3 Lac
5 Lac
10 Lac
25 Lac
Disclaimer : Actual Premium might vary basis your location, age and number of members
Need help?

Get FREE Personalized Insurance Advice At Your Home

Key Inclusions and Exclusions of the Plan

What's Included

  • Coverage of costs incurred on transportation to a network hospital as per actuals
  • Organ harvesting expenses caused to the donor are covered
  • Post-hospitalisation expenses covered till 180 days after hospitalisation
  • Pre-hospitalisation expenses covered for 60 days prior to hospitalisation
  • Coverage for in-patient hospitalisation without any limitations of diseases covered or room rent

What's Not Included

  • Weight management programs or treatments
  • Accidents caused due to wars, riot, strike, nuclear weapons
  • Medical expenses incurred in AIDS and/or infection with HIV
  • Treatment taken outside India is not covered under the policy
  • An insured person committing or attempting to commit an intentional self-injury or attempt suicide sane or insane

Activ Health Enhanced Plan Details

Restoration Benefit
100% of SI
No Claim Bonus
Up to 100% of SI, non-reduction basis
Room Rent
Any room, Single private room, Shared room
ICU Charges
Pre and Post Hospitalization
60 & 180 days
Day Care Procedure
Free Health Checkup
Ambulance Cover
Network providers, actual expenses; Non-network providers, reimbursed up to max of Rs. 5000 per hospitalization
Second Opinion
Available on critical illnesses
Worldwide Emergency Cover
Higher zone: Zone II-I: 10%; III-II: 15%; III-I: 25%. Higher room: Shared Room-Single Pvt. 15%; Shared Room-Any Room 40%; Single Pvt.-Any 25%
Initial Waiting Period
30 days
Specific Illness Waiting Period
2 years
Waiting Period of PED
3 years
View All Up Arrow
Get custom premium quotes for you :Get Premium Quotes

1172 Aditya Birla Cashless Network Hospitals in India

Choose Aditya Birla Health Insurance Critical Illness Plan

Activ Health Enhanced User Reviews

Write your review
What users are saying
  • All
  • Unique features

    Unique features like rapid quote generator and premium calculator make InsuranceDekho stick out among the crow...

    Read More
    By Debadrita Ghoshal
    On: Mar 01, 2021
  • Hassle-free claim settlement

    I made a claim under Aditya Birla Health Insurance’s Activ Health Enhanced plan on InsuranceDekho. The claim s...

    Read More
    By Akhil Khurrana
    On: Feb 23, 2021
  • Genuine policy overviews

    The policy overviews on InsuranceDekho are genuine. Information on claim settlement ratios, renewability, busi...

    Read More
    By Shouvik Biswas
    On: Feb 18, 2021
  • Digital insurance services

    This year we all have learned the importance of digital services in every aspect of our lives. I would like to...

    Read More
    By Soumili Chatterjee
    On: Feb 05, 2021
  • Got to know about Arogya Sanje...

    I visited insurancedekho and got to know about Arogya Sanjeevani Policy. I learned the types and eligibility c...

    Read More
    By Ribhu Chandra
    On: Feb 02, 2021

Add-ons to Enhance Benefits

  • OPD Expenses

    Costs incurred for medically necessary consultations, diagnostic tests and pharmacy expenses on an outpatient basis up to the amount specified in the policy schedule are covered. 


    Expenses covered include:
    (i) Outpatient consultations by a general medical practitioner.
    (ii) Outpatient diagnostic tests prescribed by a medical practitioner.
    (iii) Pharmacy–Medicines prescribed in writing by a medical practitioner.


    Alternative treatments shall also be covered under this benefit. Furthermore, reimbursement claims can be submitted quarterly in a policy year. In case, in a policy year, the insured individual does not utilize the full limit, the un-utilized amount will be carried forward to the next policy year and shall be available for utilization under HealthReturns™. 

  • Deductible

    Wherever a deductible option is selected, the deductible amount is applied on each policy year on the aggregate of all admissible claims in that policy year.

  • Maternity Expenses

    The add-on includes maternity expenses up to the Maternity Sum Insured specified in the policy schedule after a waiting period of 24 months, for the delivery of a child and/ or Maternity Expenses related to a medically necessary treatment and lawful medical termination of pregnancy up to a maximum of 2 events including 2 deliveries (including twins) or 2 terminations or 1 delivery (including twins) and 1 termination during the lifetime of an insured person between 18 years to 45 years of age. 

  • Hospital Cash Benefit

    Under this add-on, you get paid for the Hospital Cash Benefit specified in the policy schedule, for each continuous and completed period of 24 hours of hospitalization, during the policy period for treatment of an illness or injury. This benefit shall be payable for a maximum limit of 30 days in a policy year and 10 days for each claim.

Aditya Birla Activ Health Enhanced Expert Review

  • Expert Review

    Health insurance plans have become a necessity for all of us. It doesn’t just help beat the soaring medical expenses, rather enhance the savings of policyholders by offering tax benefits. Activ Health Enhanced Plan by Aditya Birla Health Insurance is framed to make people achieve the state of well-being and move towards a healthier life. The policy tends to focus on providing the overall healthcare to the customers by offering a wide range of benefits.

    Be it an individual or a family, Activ Health Enhanced Plan serves both. Under the family floater plan, up to 9 members can be covered. People from the age of 91 days and above can avail Activ Health Enhanced Plan as there exists no maximum age of entry. With a wide range of coverage up to Rs. 2 Crore, the plan promises to offer an advanced and extensive coverage without any hassle.

  • Major Attractions

    The Activ Health Enhanced Plan is designed to offer every possible coverage to the insured individuals. Though everyone needs to undergo a medical examination to get enrolled under the plan, the policy holds a lot worth going through that as well. The customers widely appreciate the plan due to its several attractive features. However, here are some offerings of the policy:

    • In-patient hospitalisation coverage
    • Pre and post hospitalisation expenses
    • Availability of worldwide emergency cover
    • 527 listed day care procedures are covered
    • Coverage related to road ambulance is offered
    • 100% restoration of the sum insured is available
    • A cover is offered related to organ donor expenses
    • Second opinion option is provided in the case of critical illness 
  • What’s More?

    The Activ Health Enhanced insurance policy owns a lot more than its coverage features. In addition to providing essential coverage, the plan offers some beneficial components in terms of discounts and rewards too, with which customers can earn some benefits. Here are some of those benefits:

    • Availability of lifelong renewability option
    • Tax benefits can be gained on the amount of premium
    • Earn a cumulative bonus of 20% up to 100% of the sum insured
    • Option to earn up to 30% of the premium amount as HealthReturns
    • A discount of 7.5% and 10% is available on the purchase of a policy for 2 and 3 years respectively
  • Conclusion

    These many features and benefits can easily corroborate the point that Activ Health Enhanced Plan is the right choice to opt for while selecting a health insurance plan for an individual or family. Besides offerings, the plan is an excellent product by Aditya Birla health insurance, which is available at an affordable rate and that too, with the utmost customer satisfaction.  

    To buy an insurance policy online, one needs to find the right platform first. In the insurance sector, there exist several authentic broker organisations that function online. One of the best among them is as it provides the best possible services with less or no paperwork. Also, the firm’s team offers after sale services too, where they assist in the claim settlement process. Therefore, visit the website and grab the perfect plan for you and your family at a click.

Aditya Birla Activ Health Enhanced Brochure

  • 1.97 MB
  • PDF Document
  • Apr 04, 2019

Claim Process at Aditya Birla Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 48 hours and for planned hospitalisation intimate within 3 days prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 48 hours and for planned hospitalisation intimate within 3 days prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Activ Health Enhanced Health Insurance Plan

  • What is the maximum age to buy Activ Health Enhanced policy?

    There is no maximum entry age limit to purchase Activ Health Enhanced policy. However, the minimum entry age limit is 91 days.

  • What is the pre-existing waiting period for Activ Health Enhanced policy?

    The pre-existing waiting period for Activ Health Enhanced is 3 years.

  • Does Activ Health Enhanced offer tax benefits?

    Yes! The premium paid for Activ Health Enhanced policy is liable to get tax benefits under section 80D of the Income Tax Act. You can claim health insurance tax benefits with a deduction of up to Rs. 25000 from your taxable income each year.

  • Does Activ Health Enhanced policy provide ambulance cover?

    Yes. The policy cover costs incurred on transportation to a hospital as per the actuals in an emergency situation, if the services are availed in a network hospital. You get a max. of Rs. 5000 per hospitalisation in case of a non-network hospital.

  • What are the additional discounts with the Aditya Birla Activ Health Enhanced Plan?

    You can avail a family discount of 5% if 2 or more family members and 10% if 3 or more family members are insured. Moreover, you are eligible to get a long term discount of 7.5% and 10% on selecting 2 and 3 policy terms respectively.

  • Is maternity benefit covered under Activ Health Enhanced plan?

    Once you opt for maternity benefit cover, you get covered for newborn baby expenses, vaccinations, medically necessary treatments and lawful medical termination of pregnancy.

  • Does Activ Health Enhanced plan cover chronic diseases?

    Chronic diseases like hypertension, diabetes, asthma, and high cholesterol are covered under Chronic Management Program of Aditya Birla Health Insurance.

  • Is cashless facility provided under Activ Health Enhanced plan?

    Yes, you can avail cashless facility under Activ Health Enhanced plan. However, the health care center or hospital should fall under the network hospitals of Aditya Birla Health Insurance.

  • Is there a No Claim Bonus under Activ Health Enhanced plan?

    Yes, you can get 20% of basic Sum Insured per year up to a maximum of 100% for each unclaimed year, in case opted for. Also, the cumulative bonus will not be reduced in event of any claim.

  • What is the initial waiting period for Activ Health Enhanced plan?

    The initial waiting period for Activ Health Enhanced plan is 30 days.

Health Insurance Articles

  • Latest Articles
  • Popular Articles

Partner Health Insurance Companies

Disclaimer: InsuranceDekho does not endorse, rate or recommend any particular insurance company or insurance plan.