Aditya Birla Activ Health Platinum Enhanced Must-look Features & Claims Settlement Ratio

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Insured Member(s)

You

Age of eldest member

26-30

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Insuring You
Eldest Member Age: 26-30
Sum Insured: ₹ 5L

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Sum Insured

₹ 5L₹ 10L₹ 15L₹ 20L₹ 25L

Priced Moderate

Aditya Birla Activ Health Platinum Enhanced

Product features80/100
Price72/100
Claims experience75/100

1 Finance Score:77/100

1 Finance Rank

Must-Look Features

Room RentAny room category
No Claim Bonus (NCB)Max up to 100% of SI
Recharge of SI (RSI)Up to 100% of SI for unrelated diseases in the same policy year
Pre-Existing Diseases (PED)Covered after 3 years
Co-payment (Co-Pay)No Co-pay
Health and WellnessRewards for healthy behaviour up to 100%

Claims Experience

Claim Settlement Ratio (CSR) - Number95.64%
Claim Settlement Ratio (CSR) -Amount76.48%
Incurred Claim Ratio (ICR)68% signifies fair pricing & claims payments
Ageing of Claim97.21%
Network Hospitals11000

Standard Features

Pre-hospitalisation60 days
Post-hospitalisation180 days
Daycare treatmentsCovered up to SI
Ambulance coverCovered up to Actual Expenses
Domiciliary hospitalisationCovered up to SI
Organ donor coverCovered up to SI
Second opinionAvailable
Daily allowance
-
AYUSH treatmentCovered up to SI
Modern treatment methodsUp to Sum Insured for Listed Procedures

SI:Sum Insured

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About Aditya Birla Health

Aditya Birla Health Insurance Ltd (ABHICL) is a joint venture between MMI Holdings in South Africa and the Aditya Birla Group in India. It started its operation in October, 2016 and is now part of Aditya Birla Capital Ltd. (ABCL). As of October 21, 2022, Platinum Jasmine owns 9.99% equity shares, and ABCL and Momentum Metropolitan Strategic Investments hold 45.91% and 44.10%, respectively.

About Aditya Birla Health

FOUNDED IN2015
CEOMayank Bathwal
HEADQUARTERSMumbai, India
AUM₹2,953.87 Cr
GROSS WRITTEN PREMIUMS (GWP)₹3,701.32 Cr
COMBINED RATIO
Combined ratio assesses an insurance company's financial health by indicating the percentage of earned premiums used for claims and expenses.
A combined ratio below 100% means the company profits from underwriting, while a ratio above 100% implies it pays out more in claims and expenses than it collects in premiums.
109.99%