Aditya Birla Activ Assure Diamond Plan

Activ Assure Diamond health insurance plan is specially designed to safeguard you and your family during the time of medical emergency. To look after the medical needs of every individual, the plan offers comprehensive coverage to the policyholder, that too with affordable premiums.

The plan comes with a wide range of benefits such as regular medical check-ups, hospitalization care, daycare treatment, domiciliary hospitalization, Health Returns, etc.

The plan brought on by Aditya Birla Health Insurance gives an individual a myriad of reasons to buy the Activ Assure Diamond plan. Under this plan, you can assure the health safety of you and your family from medical uncertainties.

Read on to find more about the plan:

Eligibility Criteria of Aditya Birla Activ Assure Diamond Plan

**Last Updated on 13-04-2021

Key Features of Aditya Birla Activ Assure Diamond Plan

1. In-Patient Hospitalization

   All expenses incurred at the time of in-patient treatment such as ICU charges, pharmaceuticals, diagnostic process, medical practitioner fee, nursing fee, operation theatre expense, etc. are all covered under the plan.

2. Health Returns

   The plan lets the policyholder earn up to 30% of their premium as Health Returns if they follow a healthy lifestyle and stay fit.

3. Pre-Hospitalization

   The pre-hospitalization expenses are covered on a reimbursement basis and coverage provided is only for 30 days before hospitalization.

4. Post-Hospitalization

   The expenses acquired upon oneself after the hospitalization are named post-hospitalization expenses. This can be covered for 60 days after discharge from the hospital.

5. Domiciliary Hospitalization

   In an event where the patient is not in a condition to go outside for the treatment, or there is no room available in the hospital, then the insured will be provided with the domiciliary hospitalization where their treatment will be done at home.

6. Modern Treatments

   The plan provides coverage to new-age treatments such as Robotic Surgeries, Oral Chemotherapy, Balloon Sinuplasty.

7. Day Care Treatments

   The treatments that do not require more than 24 hours to get completed are considered daycare treatments. The company has listed 586 daycare procedures under which various treatments can be availed by the insured. Some common daycare procedures are angiography, gastrostomy, ear-related treatments, nose operations, cysts, chemotherapy, joint treatment, fractures, etc.

8. Vaccination Expenses

   This plan covers all the vaccination expenses that may be taken by the policyholder to safeguard from Polio, Measles, Tetanus, Hepatitis B, Tuberculosis, Diphtheria, Pneumonia, Hib meningitis, etc.

9. Ayush Inpatient Treatment

   Any expenses that occurred due to in-patient hospitalization under AYUSH or non-allopathic treatment can be reimbursed on claiming the amount. The treatment should be taken from a government recognized hospital or institution along with maintenance of the criteria as mentioned by the government.

10. Daily Allowance

    The policyholder will get a fixed amount for the daily expenses that occurred for a day within 24 hours of hospitalization.

Sample Premium Illustration of Aditya Birla Activ Assure Diamond Plan

To understand how much premium amount one needs to pay, let us go through the below example. Let's assume, there are two families, one of Mr Sharma & the other of Mr Pandey.

Mr Sharma decided to cover himself and his father individually under this plan, whereas, Mr Pandey, covered himself and his wife under a family floater.

Let us see how much premiums they both need to pay in different circumstances:

Premium Payable by Mr Shrama for an Individual Policy:

**Last Updated on 13-04-2021

Graph Illustrating the Premium Payable Under Aditya Birla Activ Assure Diamond Plan on Individual Basis

Premium Payable by Mr Pandey for a Family Floater Policy:

**Last Updated on 13-04-2021

Graph Illustrating the Premium Payable Under Aditya Birla Activ Assure Diamond Plan in Family Floater Basis

What Is Covered Under Aditya Birla Activ Assure Diamond Plan

**Last Updated on 13-04-2021

What is Not Covered in Aditya Birla Activ Assure Diamond Plan?

The following are the exclusions of the Aditya Birla Activ Assure Diamond Plan:

• Any injury, or hospitalization due to any man-made disasters like war, invasion, etc.
• Any expenses incurred on surgeries meant for enhancing facial features like plastic, and surgeries for a congenital disorder, infertility, etc.
• Intentional self-injury and treatment for drug addiction and alcoholism.
• Any injuries due to participating in any adventurous activities.