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Aditya Birla Activ Assure Diamond Health Insurance

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

About Aditya Birla Activ Assure Diamond Health Insurance

Activ Assure Diamond Plan is a health insurance plan powered by Aditya Birla Health Insurance (ABHI). Aditya Birla has designed this plan with an objective to safeguard your family during a medical crisis as well as to assure 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 incentives in the form of cashback, that will be credited to his/her health account, with which policyholders can earn up to 30% of the premium amount.

In addition to this, in this plan, Aditya Birla 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 programme, experts guide and motivate insured members to lead a fit and active lifestyle.

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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
Pre and Post Hospitalization
30 & 60 days
30 & 60 days
Day Care Procedure
Free Health Checkup
Organ Donor
Up to SI
Up to SI
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
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
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1172 Aditya Birla Cashless Network Hospitals in India

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Activ Assure Diamond User Reviews

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What users are saying
  • All
  • Interacts through Whatsapp

    I interacted with the support team of InsuranceDekho using the Whatsapp number given on the website regarding ...

    Read More
    By Aritra Chatterjee
    On: Mar 09, 2021
  • Smooth mode of payment

    Payment for Aditya Birla Health Insurance’s Activ Assure Diamond was smooth at the portal of InsuranceDekho. I...

    Read More
    By Nayan Samaddar
    On: Feb 25, 2021
  • Numerous insurance companies

    InsuranceDekho has a list of all the best insurance companies in the nation. The companies offer a wide range ...

    Read More
    By Elakshi Shah
    On: Feb 16, 2021
  • 5 minutes policy documentation

    Documenting Aditya Birla Health Insurance’s Activ Assure Diamond health plan took 5 minutes to complete. When ...

    Read More
    By Ritwick Chatterjee
    On: Feb 12, 2021
  • Unbeatable price range

    The health plans present on InsuranceDekho contain unlimited benefits within a reasonable price range. Dependi...

    Read More
    By Titli Sen
    On: Jan 25, 2021

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 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.

  • Can I reduce the duration of pre-existing disease (PED) waiting period?

    Yes, by opting for an optional cover for reduction in PED waiting period, the duration of waiting period can be reduced to 24 months from 48 months.

  • For how many policy terms this plan is available for?

    This plan is available for policy terms, 1, 2, and 3 years.

  • How much amount is provided as daily allowance on hospitalisation?

    There is a daily allowance of Rs. 500 provided for the maximum of 5 days per hospitalisation on plans with a sum assured of up to Rs. 4 Lakh.

  • What pre and post hospitalisation expenses are covered under the plan?

    The policy provides the cover for a number of pre and post-hospitalisation costs such as diagnostic tests, follow-up tests, etc. This benefit is offered for a period of 30 days and 60 days respectively.

  • What is Aditya Birla Health Insurance’s toll-free number, where I can call to inquire about the plan?

    The toll-free number of Aditya Birla is 1800-270-7000.

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