Activ Assure Diamond
  • Explore the Eligibility Criteria
  • Know the Key Features
  • Inclusions & Exclusions
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Aditya Birla Activ Assure Diamond Plan

Activ Assure Diamond health insurance plan is designed to safeguard you and your family during the time of medical emergency.

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

Read on to find more about the plan:

Eligibility Criteria of Aditya Birla Activ Assure Diamond Plan

Entry Age Minimum:
Dependent Children from Age - 91 days to 5 years covered only if one adult is covered under Family Floater Policy.
In the case of an Individual Policy, the minimum age at entry is 5 years
Maximum: No age bar
Sum Insured (in Rs.) 2 Lakhs, 3 Lakhs, 4 Lakhs, 5 Lakhs, 7 Lakhs, 10 Lakhs, 15 Lakhs, 20 Lakhs, 25 Lakhs, 30 Lakhs, 40 Lakhs, 50 Lakhs, 75 Lakhs, 100 Lakhs, 150 Lakhs, 200 Lakhs
Policy Term 1/2/3 years

Waiting Period

Initial Waiting Period 30 Days
Listed Illness/Procedure Waiting Period 24 Months
Specified Disease/Procedure Waiting Period 48 Months
Pre-existing Disease 48 Months

**Last Updated on March, 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.

    Know More About: Day Care Treatment vs OPD Treatment

  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.

    Know More About: Ayush Treatment

  10. Daily Allowance

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

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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:

Sum Insured Options (in Rs.) Individual 1
30 years
Individual 2
50 years
10 Lakhs 7,919 16,709
25 Lakhs 11,244 23,941
50 Lakhs 17,286 37,947

**Last Updated on March, 2021

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

Graph Illustrating the premium amount of Activ Assure Diamond- Individual Policy

Premium Payable by Mr Pandey for a Family Floater Policy:

Policy Term Sum Insured Options (in Rs.)
10 Lakhs 25 Lakhs 50 Lakhs
1 years 11,917 18,091 27,575
2 years 22,046 33,468 51,015
3 years 32,175 48,845 74,454

**Last Updated on March, 2021

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

Graph Illustrating the premium amount of Activ Assure Diamond- Family Floater Basis

Aditya Birla Health Insurance Network Hospital List

Aditya Birla Life Insurance Network Hospitals are present nationwide. With a wide network of over 8787 cashless hospitals, Aditya Birla Life Insurance ensures that you are medically secured, irrespective of the city you reside in.

What Is Covered Under Aditya Birla Activ Assure Diamond Plan

In-patient Hospitalization Covered
Room Type For S.I Rs. 2 lakhs, Rs. 3 Lakhs, Rs. 4. - 1% of S.I.
For S.I. Rs. 5 lakhs - Single Private A/C Room
For S.I. Rs. 7 lakhs and above- Up to S.I.
ICU Charges For S.I. Rs. 2 lakhs, Rs. 3 Lakhs, Rs. 4. - 2% of S.I.
For S.I. Rs. 5 lakhs and above- Up to S.I
Pre-hospitalization Expenses 30 Days
Post-hospitalization Expenses 60 Days
Expenses Day Care Treatment Up to 586 listed procedures
Domiciliary Hospitalization (Home Care) Up to 10% of S.I.
Organ Donor Expenses Covered up to S.I
Vaccination Cover Up to Rs. 10,000 (Applicable for S.I. 1crore and above)
Daily Allowance Rs. 2 Lakhs, Rs.3 Lakhs, Rs. 4 lakhs S.I. - Rs. 500/day,
Max 5 day per hospitalization
Additional Benefits
No Claim Bonus 10% of S.I. per annum, Max up to 50% of S.I
Health Check-up Program Annual
Second E-Opinion on Critical Illnesses Available for 15 listed Critical Illnesses
Domestic Emergency Assistance Services (including Air Ambulance) Available
International Emergency Assistance Services (including Air Ambulance) Available
Optional Covers
Reduction in PED Waiting Period Option
Unlimited Reload of Sum Insured
Super No Claim Bonus
Accidental Hospitalization Booster (not available above Rs. 1 crore S.I.)
Cancer Hospitalization Booster (not available above Rs.1 crore S.I.)
Any Room Upgrade <
Preferred Provider Network (PPN) Discount

**Last Updated on March, 2021

Aditya Birla Activ Asseure Diamond Plan

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.

How To Buy an Aditya Birla Health Insurance Policy?

You can buy Aditya Birla Health Insurance directly from the company's official website. Just follow the below steps:

  • Visit the official website of the company. On the top, you will find a sub-title 'Protecting'. Click on the 'Health Insurance' option under that sub-title.
  • You will then be redirected to the Health Insurance page. On the top-right corner, click on the 'Quick Quote'.
  • Enter all the required details and your health insurance premium amount will be displayed on the screen, where you can select the plan as per your needs and requirements.
  • Once you pay the premium online, you will get all the policy documents at your registered email address.

You can also buy it from Below is its buying process.

  • Fill in the details in the 'Calculate Premium' form.
  • The next page will show all the available plans. Choose the Aditya Birla health plan and click on 'Buy Now'.
  • Pay the premium and your policy document will be shared with you on your registered email.

How To Renew an Aditya Birla Health Insurance Policy?

  • Visit the official website of Aditya Birla Health Insurance. On the top right, click on the 'Renew' option.
  • From the drop-down menu, select 'Quick Renew'.
  • On the next page, fill up your policy number, prosper's date of birth or mobile number.
  • Click on the 'Abhi Karo'
  • Pay the premium online, and your Aditya Birla health insurance renewal details will be mailed to your registered email address.

Aditya Birla Important Links

Activ Assure Diamond Plan: FAQs

1. Who can I purchase the policy for?

You can buy a policy for yourself and your spouse, your and your spouse's parents, and up to four children.

2. Are medical check-ups required for buying the Aditya Birla diamond plan?

It depends on the applicant's age and the sum insured he/she opted for. The cost of the medical check-ups will be fully reimbursed if the policy was accepted by the insurance company.

3. How can I reduce my pre-existing disease (PED) waiting period under the Aditya Birla Activ Assure Diamond plan?

You can reduce your pre-existing disease waiting period by buying an optional cover "Reduction in PED waiting period" by selecting this optional cover you can reduce the duration of the waiting period from 48 months to 24 months.

4. Does Aditya Birla Diamond Plan offer a waiver of co-payment for those above 61 years of age?

No, Aditya Birla does not offer any waiver of co-payment for the age 61yrs and above.

5. Are pre and post-hospitalization covers for AYUSH treatment under the Activ Assure Diamond plan?

No, pre and post-hospitalization expenses are not covered under AYUSH treatment.

6. Will the reload of Sum Insured be triggered for Ayush hospitalization under the Aditya Birla Activ Assure Diamond plan?

No, reload of the sum insured is applicable only for In-Patient hospitalization and Daycare claims.

7. How much amount is provided as a daily allowance if I choose the sum insured of 50L?

No, there is no daily allowance benefit under this sum insured category.

8. Is there any grace period for the renewal of the Aditya Birla Activ Assure Diamond plan?

Yes, there is a 30 day grace period for the renewal of the Activ Assure Diamond plan.

Find Out What the Customers Are Saying

(Showing latest 5 reviews only)

- 4.1/5 (53 Total Rating)

May 26, 2022

Gurjeet Singh


I bought an insurance plan to safeguard the future of my child and I am satisfied with the plan as it was customized according to my needs.

February 21, 2022



ABRL is a good company for health insurance. I took senior citizen plan for my parents and happy that they are always there to help my old parents and their problems

February 17, 2022

mihir jani


I made claim for my husband s hand surgery from aditya birla health insurance. I live alone with my husband and got nobody to help but aditya birla helped me in the entire procedure and cashless claim like a family member

October 19, 2021

Dilpreet Singh


very vast range of plans! the premiums are decent for anybody s budget. I would 1000% recommend the comapny

October 18, 2021



It has been an absolute pleasure associating with policyx for my health insurance. They have been very helpful in my decision.

View All Aditya Birla Health Insurance Reviews

Last updated on March, 2021

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