Activ Assure Diamond Plan by Aditya Birla - To Fulfill Your Health Insurance Needs
Updated On Feb 10, 2021
History : Aditya Birla Group
Founded in the year 1857, Aditya Birla Group is a celebrated Indian multinational conglomerate. Headquartered in Worli, Mumbai, India, the Aditya Birla Group has reach in 35 countries with more than 120,000 employees all across the globe. In the League of Fortune 500, Aditya Birla Group has subsidiaries namely, UltraTech Cement, Grasim Industries, Vodafone, Idea, Hindalco Industries, and Aditya Birla Capital.
Aditya Birla Capital, one of the renowned subsidiaries of Aditya Birla Group engages in offering end to end financial solutions. This umbrella brand for all financial services of the Aditya Birla Group has marked its strong presence in myriad businesses, health insurance being one of them.
Aditya Birla Health Insurance Co. Limited
Protecting health while securing finances is what Aditya Birla Health Insurance Co. Limited aims to succeed. With its digitally integrated, incentivised wellness programs, Aditya Birla Health Insurance Co. Limited has garnered a countless number of customers that are finally happy to have found a name they can completely trust in, just like the old times.
A joint venture between Aditya Birla Group and MMI Holding Limited, Aditya Birla Health Insurance is a major step in ensuring healthy and happy life of unnumbered individuals and families.
Activ Assure Diamond Plan - A Dependable Aditya Birla Health Insurance Product
Specifically designed to fulfill the motive of protecting individuals and their families against medical emergencies, Activ Assure Diamond Plan emphasizes a healthy state of living as well. In other words, for Aditya Birla Health Insurance, PROTECTING HEALTH IS PRIORITY, BUT PROTECTING FINANCES IS ALSO A REQUISITE.
The best option for those looking for a health insurance plan with a wide coverage, Activ Assure Diamond Plan offers all, right from regular medical checkups to hospitalization care. What’s great is that it also provides one with incentives in the form of cashback for keeping fit. Note that these incentive benefits are referred to as ‘HealthReturns’. Moreover, that one can earn up to 30% of the amount of the premium as cashback that is credited to their health account.
But, that’s not all!
Want to know what else makes Activ Assure Diamond a great Aditya Birla health insurance plan? Read along.
When you invest in Activ Assure Diamond Plan by Aditya Birla Health Insurance, you gain the benefit of a health coach or wellness coach. The health or wellness coach offers guidance and motivation to customers so that they can remain fit and opt for an active lifestyle. Be it by the means of tips, online chat services or call-back service, the health or wellness coaches perform their sessions.
Key Benefits
- 150% reload of sum insured, for subsequent claims, owing to unrelated illness, maximum up to 50 Lakh.
- Coverage of 586 day care procedures, even if the hospitalisation is less than 24 hours.
- International/Domestic Emergency Assistance Services (Including Air Ambulance).
- HealthReturns worth up to 30% of the premium amount for staying fit and healthy.
Key Features
The list comprises:
- In-patient Hospitalisation - Hospitalisation of more than 24 hours, be it because of a planned treatment or an unanticipated emergency is covered. The coverage includes, doctor’s fee, room rent, operation theatre expenses, drugs, medicines, in addition to other consumables, under the policy as per eligibility.
- Pre-hospitalisation Medical Expenses - Expenses incurred for diagnostic tests or consultations before hospitalisation are covered up to 30 days before hospitalisation where a claim under in-patient hospitalisation/domiciliary hospitalisation/day care treatment is accepted.
- Post-hospitalisation Medical Expenses - Expenses incurred for medicines, diagnostic tests or physiotherapy are covered up to 30 days after discharge from the hospital where a claim under in-patient hospitalisation/domiciliary hospitalisation/day care treatment is accepted.
- Day Care Treatment - Medical procedures such as a dialysis may not require a 24-hour hospitalisation, however Activ Assure Diamond Plan by Aditya Birla Health Insurance provides coverage for 586 procedures like such.
- Domiciliary Hospitalisation (Home Care) - At times, when an insured individual is not in a condition to come to the hospital or has to face unavailability of a bed at the hospital, Activ Assure Diamond Plan allows them coverage for medical expenses if they need to get treated at home.
- Road Ambulance Cover - In emergency cases, cost incurred on transfer to a hospital by a road ambulance is covered as per the eligibility.
- Reload of Sum Insured - If the sum insured with NCB (if any)/super NCB (if opted for) comes across as insufficient, owing to previous claim in that policy year, then one gets an additional 150% of sum insured (maximum up to 50 Lakhs) for hospitalisation, owing to an illness unrelated to previous claim in that policy year.
- Organ Donor Expenses - In cases of organ transplants, we provide coverage of not only the insured individual, but also the organ donor for harvesting the organ for use, as per eligibility.
- AYUSH In-patient Treatment - As per one’s eligibility, their medical expenses incurred towards in-patient hospitalisation under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment are paid for.
- Vaccination - Vaccination expenses for children up to 18 years of age included in the policy are covered as per the schedule provided. However, note that this benefit is applicable only for sum insured of 1 crore and above.
- Daily Allowance - Under Activ Assure Diamond Plan, one gets an additional benefit of Rs. 500 per day as daily allowance, for each day that they get hospitalised. This benefit is payable for a maximum limit of 5 days per hospitalisation. Moreover, it is applicable only for sum insured up to Rs. 4 Lakhs.
- No Claim Bonus - Activ Assure Diamond Plan provides benefits even if case of no claim. A No Claim Bonus (NCB) of 10% of the sum insured for each year without any claim is provided for. Whenever the insured individual makes a claim, the NCB gets minimised by the same rate at which it increased (10% of the sum insured). Note that the maximum limit for no claim bonus is 50% of sum insured.
- Health Check-up Program - The insured individual gets a free health check-up for each and every insured member once in a policy year, customised to the life stage one is in. These tests are based on age as well as sum insured.
- Second e-opinion on Critical Illness - In cases of detection of cancer, heart attack, kidney failure, and other major illnesses, we help one in availing a second e-opinion through a consortium of well qualified specialists.
- Domestic/International Emergency Assistance Services (comprising Air Ambulance) - Individuals in remote areas, which lack proper medical facility are provided emergency medical assistance. Under Activ Assure Diamond Plan, we provide help in reaching a medical facility and then taken back the insured to their home.
- HealthReturn - Customers can gain HealthReturns by completing a health assessment to obtain a healthy heart score, starting exercising to earn Activ Dayz, and earning HealthReturns based on accumulated Activ Dayz and your Healthy Heart Score. What’s best is that they can make use of these HealthReturns for anything, right from getting medicines to paying premium from the first renewal of the policy.
- Health Coach - There are times when the help of a specialist proves to be of immense benefit. Those suffering from Hypertension, Asthma, Hyperlipidemia or Diabetes mellitus can benefit with a medical expert.
- Super NCB - With Super NCB, the sum insured enhances by 50% every claim-free year with a maximum accumulation of 100% of the sum insured. The accumulated Super NCB acts as an extension to the inbuilt NCB. One can apply for Super NCB whether at the time of application or at renewal time. If a claim is made, Super NCB gets reduced at the same rate at which it is increased.
- Reduction in PED Waiting Period - This is an additional cover, which minimises the applicable waiting period of 48 months for claims to pre-existing diseases to 24 months.
- Unlimited Reload of Sum Insured - This optional cover can help one reinstate their sum insured countless times. In case, owing to claims made, one runs out of their health cover, the entire sum insured is reinstated countless times in a policy year.
- Accidental Hospitalisation Booster - This optional cover provides one with an additional sum insured equal to their sum insured for in-patient hospitalisation.
- Cancer Hospitalisation Booster - In case of an unfortunate event of hospitalisation of any of the insured members aged more than 18 years old, owing to cancer, this optional cover provides them with an additional sum insured equal to their sum insured for in-patient hospitalisation.
- Any Room Upgrade - This optional cover provides one with the freedom to get admitted in a hospital without any room restriction. Note that this cover is applicable for sum insured 5 Lakhs and above.
Eligibility?
The minimum age at entry under the Activ Assured Diamond Plan by Aditya Birla Health Insurance is 5 years. There is no limitation on the maximum entry age.
Note that, in case, the entry age is above 61 years, a co-payment of 20% of sum insured needs to be made.
Exclusions:
Expenses that aren’t covered under the Activ Assure Diamond plan include:
- Cosmetic, weight loss, and aesthetic treatments.
- Self-inflicted injury, injuries caused, owing to war or military acts.
- Injuries caused because of drug abuse or usage of hallucinogenic substances.
- Hearing aids, spectacles, and contact lenses.
- Psychiatric or mental disorders.
Now that you know about Activ Assured Diamond Plan inside out, don’t you think it is one of the best Aditya Birla Capital health insurance plans?
One of the most popular Aditya Birla health insurance plans, Activ Assured Diamond Plan is definitely a worthy investment to indulge in to protect health as well as finances!
Also Read
Air Ambulance Benefits in Aditya Birla Activ Assure Diamond Plan
Protect Your Health and Earn Rewards with Aditya Birla's Activ Health Enhanced Plan
