Compare & Buy Car, Bike and Health Insurance Online - InsuranceDekho
Claim, renew, manage & moreLogin
Hurry Up!
Save upto ₹75,000 on taxes in 80D. Buy a health insurance now!
View Plans

Aditya Birla Activ Assure Diamond Health Insurance

462 reviews Rate This
Aditya Birla Health Insurance
Activ Assure Diamond
Cashless Approval TAT2 hr Cashless Claim Processing
Claim Settlement Ratio96%
Network Hospitals10,500+
Pre-existing Disease Coverage Starting FromDay 1
Special BenefitsIncentivized Wellness
Starting Premium for Rs. 5 lakh CoverageRs. 270/month

About Aditya Birla Activ Assure Diamond Health Insurance

Activ Assure Diamond Plan is a health insurance plan offered by Aditya Birla Health Insurance (ABHI). Aditya Birla has designed this plan with the objective of safeguarding your family during a medical crisis as well as ensuring that you attain a healthy living ahead. The company under this policy provides comprehensive health care coverage to policyholders ranging from regular medical checkups to hospitalisation care with various discounts to save on health insurance premiums. Scroll through the section below to learn more about the Aditya Birla Activ Assure Diamond Health Plan.

Aditya Birla Activ Assure Diamond Health Plan at a Glance

Coverage

Family and individual

Riders

Reduction in PED waiting period, Unlimited restoration of the sum insured, Cancer hospitalisation booster, etc

Variants

N/A

Key features

Health coach, wellness benefits, super NCB,etc

Inclusion

Daycare treatment, Pre hospitalisation, Post hospitalisation, Organ donor expenses, etc

Exclusion

Injury due to war activities, consumption of alcohol, etc

Key Features of Aditya Birla Activ Assure Diamond Health Plan

Here are some of the notable features of the Aditya Birla Activ Health Plan:

  • Coverage Type: The Aditya Birla Activ Assure Diamond Health Plan can be bought as both an individual and family floater plan. Under a family floater plan, you can get coverage for all your family members under one plan, however, an individual plan only covers the policyholder. Under a family plan, you can get coverage for you and your spouse along with 3 dependant children.
  • Health Coach: In this plan, Aditya Birla health insurance also offers a health coach or wellness coach by providing tips and coaching through an online chat service and a call-back service. With this program, experts guide and motivate insured members to lead a fit and active lifestyle.
  • Super NCB: With the Super NCB add-on, you can double the sum insured in just 2 years with your Aditya Birla Health Insurance Diamond Plan.
  • Discounts: The Aditya Birla Activ Assure Diamond Health Plan also offers discounts to individuals for staying fit. Fit individuals are given reward points on the basis of which discounts are later offered on health insurance premiums.
  • Extensive Coverage: The Aditya Birla Activ Assure Diamond Health Plan offers extensive coverage such as modern treatment, pre and post hospitalisation, AYUSH treatment, modern treatment, and a lot more.

Eligibility Criteria to Buy Aditya Birla Activ Assure Diamond Health Plan

Listed below are the eligibility criteria to buy the Aditya Birla Activ Health Plan:

Parametres

Eligibility Criteria

Minimum entry age for a child

91 days

Maximum entry age for a child

25 years

Minimum entry age for adult

5 years

Maximum entry age for adult

Lifelong

PED Waiting Period

48 months

Benefits of Buying Aditya Birla Health Insurance Diamond Plan

Some of the reasons why you should buy the Aditya Birla Active Assure Diamond Health Insurance plan are as follows:

  • 150% Reload: The Aditya Birla Activ Assure Diamond Health Insurance Plan offers 150% reload benefits. This means that if the sum insured gets exhausted after a health insurance claim, then it automatically gets restored so that you can utilize it again.
  • Annual Health Check-up: In today’s time, it is very important to keep track of your well-being. The Aditya Birla Activ Assure Diamond Health Insurance Plan caters to it and provides the benefit of annual health check-ups. You can enjoy annual health check-up benefits at no additional costs.
  • Daycare treatment: There are a few treatments that do not require hospitalisation. The Aditya Birla Activ Assure Diamond Health Insurance Plan provides coverage for over 586 daycare treatments.
  • Worldwide emergency assistance service: In case of a medical emergency outside the country, you can get relevant coverage with the Aditya Birla Activ Assure Diamond Health Insurance Plan. With this plan, you will be safely transported to your country to get the required medical assistance.
  • Modern-day Treatment: Under the Aditya Birla Activ Assure Diamond Health Insurance Plan, you will also get coverage for modern-day treatment such as robotics surgery, chemotherapy, etc.
  • Mental illness: Any hospitalisation related to mental illness is covered under the Aditya Birla Activ Assure Diamond Health Insurance Plan.
  • Health coach: With the Aditya Birla Activ Assure Diamond Health Insurance Plan, you will also get a health coach who will assist you with nutritional and wellness counseling. Moreover, fit individuals are even awarded discounts on health insurance premiums.
  • Flexible sum insured: With the Aditya Birla Activ Assure Diamond Health Insurance Plan, you can choose a sum insured ranging between Rs. 2 lakhs - Rs. 200 lakhs.

Inclusions and Exclusions of Aditya Birla Activ Assure Diamond Health Insurance Plan

The Aditya Birla Active health insurance inclusions and exclusions are mentioned below:

Inclusions:

  • In-patient Hospitalisation: The expenses for in-patient hospitalisation such as consultation fees, room rent, OT charges, etc are included up to the sum insured.
  • Pre-hospitalisation Expenses: The expenses for pre-hospitalisation treatment are covered up to 30 days before hospitalisation.
  • Post-hospitalisation: Post-hospitalisation expenses are covered up to 60 days after hospitalisation.
  • Day-care Treatment: Up to 586 day-care procedures are covered under the Aditya Birla Activ Assure Diamond Health Insurance Plan.
  • ICU Charges: The ICU charges are covered up to the sum insured.
  • Organ donor expenses: The coverage for organ donor expenses is up to the sum insured.
  • Domiciliary Hospitalisaion: It provides coverage of 10% of the sum insured.

Exclusions:

  • Self-inflicted injuries
  • Any injury due to war or any criminal activities
  • Any injury due to consumption of alcohol or drugs
  • Any self-inflicted injury
  • Mental illness
  • Non-allopathic treatment
  • Expenses related to spectacles or lens

Riders Available with Aditya Birla Activ Assure Diamond Health Insurance Plan

Some of the riders that you can buy with your Aditya Birla Activ Assure Diamond Health Insurance Plan are as follows:

  • Reduction in PED Waiting Period: The waiting period for pre-existing medical conditions can be reduced to 2 years with this add-on.
  • Unlimited reload of sum insured: With this add-on, you can get your sum insured reloaded for unlimited times.
  • Any room upgrade: This add-on provides coverage for upgrading your room up to the sum insured.
  • Cancer hospitalisation booster: With this add-on, your coverage for cancer will boost by 100%.

How to Buy Aditya Birla Activ Assure Diamond Health Plan?

Listed below are a few simple ways in which you can buy the Aditya Birla Activ Assure Diamond Health Plan:

  • Visit the “Health Insurance” section on the official InsuranceDekho website.
  • Choose "Aditya Birla Health Insurance" from the list of health insurance companies.
  • Then, select "Activ Assure" from the available health insurance plans.
  • Read the policy documents carefully
  • Upload all the necessary documents to complete the KYC process
  • After finishing the KYC process, pay the premium online
  • Finally, you will receive the policy document in your registered email

Documents Required to Buy Aditya Birla Active Assure Diamond Health Plan

Some of the documents required to buy the Active Assure Diamond Health Plan are as follows:

  • A duly-filled proposal form
  • Aadhaar card
  • PAN card
  • Passport
  • Bank account details
  • Income proof
  • Passport-size photograph
  • Details of pre-existing medical condition

Claim Process of Aditya Birla Activ Assure Diamond Health Plan

With the Aditya Birla Health Insurance Diamond Plan, you can raise two types of claims, cashless claims and reimbursement claims. Under the cashless claim, all the medical bills will directly be settled at a network hospital tied up with Aditya Birla. On the other hand, in a reimbursement claim, you will first have to spend for the medical expenses which will be later reimbursed by the insurance company.

Cashless Claim

  • First, visit a nearby network hospital
  • Next, fill out the proposal form and submit all the documents such as policy papers
  • Then, the insurance company will verify the claim request and all the documents
  • Once, everything has been verified, your bills will be directly settled at the network hospital.

Reimbursement Claim

  • For reimbursement claims settlement, you can get treatment at any hospital
  • Next, raise a claim on Aditya Birla Health insurance on the official website
  • Then, submit all the required documents along with the claim form
  • You also need to submit the details of the medical expenses. Once all of it has been approved, the expenses will be reimbursed by the insurance company

Health Insurance Calculator

Whom do you want the insurance for ?

You
Couple
Family
Father
Mother

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

  • International/domestic emergency assistance services such as air ambulance, etc.
  • Earn HealthReturns worth up to 30% of your premium for staying fit and healthy
  • Offers 150% reload of sum insured, maximum up to Rs. 50 Lakh, for subsequent claims due to un-related illness
  • Provide cover for in-patient hospitalisation of more than 24 hours due to a planned treatment or an emergency
  • Coverage for 586 day care procedures even if hospitalisation is less than 24 hours

What's Not Included

  • Disease or disablement caused due to any venereal disease or sexually transmitted disease
  • Illness or injury caused due to any substance, intoxicant, drug, alcohol or hallucinogen
  • Any pre-existing disease or injury arising out of a pre-existing illness or any complication arising therefrom
  • Death, injury or disablement, that arise out of an act of foreign enemies, warlike operations, civil war, etc.
  • Attempted suicide, intentional self-inflicted injury, acts of self-destruction, etc.

Activ Assure Diamond Plan Details

Features/PlanActiv Assure Diamond (2, 3 Lakh)Activ Assure Diamond (5 to 200 Lakh)
Restoration Benefit
150% of SI
150% of SI
No Claim Bonus
Up to 50% of SI
Up to 50% of SI
Room Rent
Up to 1% of SI
Single private AC room
ICU Charges
Up to 2% of SI
Actual
Pre and Post Hospitalization
30 & 60 days
30 & 60 days
Day Care Procedure
586
586
Free Health Checkup
Available
Available
Organ Donor
Up to SI
Up to SI
AYUSH
Up to Rs. 15000
Rs 20,000 for SI 5-10 Lakh; Rs. 30,000 for SI 15-40 Lakh; Rs. 40,000 for SI 50-75 Lakh; Rs. 50,000 for SI 1-2 Crore
Domiciliary Hospitalization
Up to Rs. 50000
Up to Rs. 50000
Ambulance Cover
Up to Rs. 1500 per hospitalization
Rs. 2000 for SI 5-10 Lakh; Rs. 2500 for SI 15-40 Lakh; Rs. 3000 for SI 50-75 Lakh; Rs. 5000 for SI 1-2 Crore
Second Opinion
Available for 15 critical illnesses
Available for 15 critical illnesses
Emergency Medical Evacuation
Available
Available
Co-Pay
After age 60 (20% of claim)
After age 60 (20% of claim)
Initial Waiting Period
30 days
30 days
Specific Illness Waiting Period
2 years
2 years
Waiting Period of PED
4 years
4 years
Additional Features
Super NCB, Unlimited recharge, Any room upgrade
Super NCB, Unlimited recharge, Any room upgrade
Special Feature
Renewal discount up to 30% of premium, health assessment
Renewal discount up to 30% of premium, health assessment
View All Up Arrow
Get custom premium quotes for you :Get Premium Quotes

10849 Aditya Birla Cashless Network Hospitals in India

Choose Aditya Birla Health Insurance Critical Illness Plan

Activ Assure Diamond User Reviews

Write your review
What users are saying
  • All

Add-ons to Enhance Benefits

  • Super No Claim Bonus (SNCB)

    The Super NCB enhances the sum insured amount for policyholders by 50% on every claim free year. This increase can be extended maximum up to 100% of sum insured limit. One can opt for this benefit either at the time of buying or during the renewal. In addition to this, the SNCB decreases at the same pace as it increases, which is 50% of SI.

  • Unlimited Recharge

    With this feature, the sum insured of the policyholders can be refilled as many times as desired, especially when they need it the most. If anyone runs short of health coverage due to several claims made, the feature of reinstating of sum insured amount unlimited times allows every policyholder to keep on getting the proper health care services.

  • Accidental Cover

    In case of any hospitalization due to an accident, this add-on cover offers the policyholders with an extra sum insured, which is of the same amount as their actual sum insured.

Aditya Birla Activ Assure Diamond Expert Review

  • Expert Review

    A good health insurance policy provides comprehensive coverage and ensures the patient’s healthy living as well. The Activ Assure Diamond Plan by Aditya Birla is based on a similar objective. It tries to offer every possible cover to policyholders, which let them evade from any financial crisis caused due to a medical emergency. It focuses on every crucial aspect of your health by offering a wide array of benefits.

    The plan is available as an individual and a family floater plan with the minimum entry age of 5 years and no maximum entry age. The plan offers a wide range of sum insured from Rs. 2 Lakh to Rs. 2 Crore. But, its offerings extend to a higher range of benefits, which is available at large network hospitals across the country.

  • Major Attractions

    The Activ Assure Diamond Plan possesses several exciting benefits that promises to deliver the utmost care. The health insurance policy works on a comprehensive approach due to which it tends to deliver several value-added services and optional covers as well. It provides all the basic features such as in-patient hospitalisation, pre-hospitalisation and post-hospitalisation cover, vaccination expense coverage etc., but includes several major attractions as well, which are as follows:

    • Availability of free health check-up
    • Coverage for 586 listed daycare procedures
    • Domiciliary hospitalisation expenses are covered
    • The cost incurred on the Ayush treatment are covered
    • The second opinion for 15 critical illnesses are available
    • Expenses of an organ donor are covered up to the sum insured
    • Reload of the sum insured by 150% is allowed, if sum insured exhausts
    • International and domestic emergency assistance services are available
  • What’s More?

    In addition to attractive features, the plan is stuffed with a variety of discounted benefits, which makes the policy lucrative as well as affordable. Activ Assure Diamond Plan provides much more rewards and discounts than many other health insurance plans. Here are some additional benefits present under the plan:

    • Lifelong renewability option is available
    • Earn up to 30% of your premium as HealthReturns
    • Offer no claim bonus of 10% for every claim-free year
    • Long term policy discount of 7.5% for 2-year policy and 10% for a 3-year policy is given
    • Family discount of 5% for 2-3 member multi-individual policy and 10% for 4+ members is available
  • Conclusion

    The bunch of features and benefits are enough to summarise and infer that Activ Assure Diamond Plan is a complete health insurance plan. Get it today for your family.

    The competition in the health insurance sector has made a lot of trivial and fake organisations to come up as a web aggregator, broker, etc. But, it is necessary to choose the right plan from the right one. Hence, it is widely proposed to buy a health insurance plan from insurancedekho.com only. It is an authentic firm, which stays with the customers right from the policy purchase to claim settlement process.

Aditya Birla Activ Assure Diamond Brochure

  • 1.34 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 Assure Diamond Health Insurance Plan

  • How much No Claim Bonus (NCB) is offered under this policy?

    No Claim Bonus (NCB) of 10% of Sum Insured for every claim-free year is offered under this policy.

  • What type of alternative treatments are covered under Aditya Birla Activ Assure - Diamond Plan?

    There is coverage for AYUSH in-patient hospitalisation comprising of Ayurveda, yoga, naturopathy, Unani, Siddha, and homeopathic treatment.

  • What is the range of sum insured under Activ Assure - Diamond Plan?

    Under this plan, the sum insured options range from Rs. 2 Lakh to Rs. 2 Crore.

  • Is vaccination expenses covered under this plan?

    Yes, the cost of vaccination for children up to 18 years of age will be covered under this policy. However, the benefit is provided only for the policyholders having sum insured above Rs. 1 Crore.

  • Does Aditya Birla Activ Assure Diamond Plan cover the organ donor cost?

    The policy doesn’t just cover the organ receiver but also the organ donor for harvesting the organ, as per the policy guidelines.

View More Questions

Health Insurance Articles

  • Latest Articles
  • Popular Articles