Activ Assure Diamond
  • Explore the Eligibility Criteria
  • Know the Key Features
  • Inclusions & Exclusions
Aditya Birla Health Insurance
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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 offers comprehensive health care coverage to policyholders ranging from regular medical checkups to hospitalization care. Moreover, the plan comes with benefits such as regular medical check-ups, hospitalization care, daycare treatment, domiciliary hospitalization, Health Returns, etc.

Aditya Birla Activ Assure Diamond Plan Specifications

Children Entry Age

91 days to 5 years

Adult Entry Age

Adult: 5 Years, Maximum: No Age Bar

Plan Type

Individual / Family Floater

Policy Term

1 / 2 / 3 year

Renewability

Lifetime Renewability

Initial Waiting Period*

30 Days

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Choose your Aditya Birla Activ Assure Diamond Plan

With wide coverage options, Activ Assure Diamond Health plan lets you customize your health insurance plan as per your requirements:

Coverage for SI: 2L-4L

In-patient & Out-patient Coverage

Room Rent

1% of SI

ICU Charges

2% of SI

Pre-Hospitalization

Covered up to 30 days

Post-Hospitalization

Covered up to 60 days

Domiciliary Hospitalization

Covered

Daycare Treatment

586 listed procedures

OPD Charges

Not covered

Coverage Terms

COVID-19 Treatment

Covered

Cataract

Not Covered

No Claim Bonus

Available up to 50% of SI

Automatic Restoration

Upto 150% restoration of SI

Daily Hospital Cash

500 per day

Organ Donor

Covered up to SI

Maternity Cover

Not Available

New Born Baby Cover

Not Available

Alternative Treatments

AYUSH Treatment

Up to 15K

IVF Treatment

Not Available

Modern Treatment

Not Available

Emergency Coverage

Ambulance

Covered up to 1.5K

Air Ambulance

Available

Compassionate Travel

Not available

Global Coverage

Not available

Wellness Programmes

E-Consultation

Not available

Health Check-Up

Available Annually

Second Medical Opinion

Available for 15 listed Critical Illnesses

Vaccination

Not Available

Limitations

Co-payment

Applicable, only if the policyholder is 61 years or above

Sub-limits

Not Available

What is Room Rent?

Room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.

Common Room categories covered under room rent are:

  • Private Single AC Room
  • Twin Sharing
  • General Ward

Coverage status under Aditya Birla Activ Assure Diamond Plan?

Under Aditya Birla Activ Assure Diamond Plan, the room rent is covered up to 1% of the SI.

Under Aditya Birla Activ Assure Diamond Plan, the Single Private A/C Room is provided to the policyholder

Under Aditya Birla Activ Assure Diamond Plan, the room rent is covered up to the SI.

What are ICU Charges?

It is a special department in the hospitals where patients with serious medical conditions are treated.

Coverage status under Aditya Birla Activ Assure Diamond Plan?

Under this plan, ICU charges coverage is available up to 2% of the SI.

Under this plan, ICU Charges are covered up to the SI.

What is Pre Hospitalization?

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under Aditya Birla Activ Assure Diamond Plan?

This plan covers medical expenses incurred during pre-hospitalization for up to 30 days.

What is Post Hospitalization?

Medical expenses incurred after the discharge of the policyholder from the hospital.

Coverage status under Aditya Birla Activ Assure Diamond Plan?

This plan covers medical expenses incurred during post-hospitalization for up to 60 days.

What is Domiciliary Hospitalization?

Home hospitalization arrangement for the insured person due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get the financial coverage.

Coverage status under Aditya Birla Activ Assure Diamond Plan?

Under Active Assure Diamond Plan, domiciliary hospitalizations is covered.

What is Daycare Treatment?

Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.

Coverage status under Aditya Birla Activ Assure Diamond Plan?

This plan covers expenses of all daycare procedures including 586 listed Procedures up to S.I.

What are OPD charges?

The cost of doctor consultation and prescribed medical tests that may not require hospitalization.

Coverage status under Aditya Birla Activ Assure Diamond Plan?

Not covered under the plan.

What is COVID-19 Treatment?

Covers the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.

Coverage status under Aditya Birla Activ Assure Diamond Plan?

COVID-19 treatment cover is available under this plan.

What is Cataract Treatment?

A common eye condition in which your vision gets blurred.

Coverage status under Aditya Birla Activ Assure Diamond Plan?

The plan does not cover Cataract Treatment.

What is a No-Claim Bonus?

For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as no-claim bonus on policy renewal. However, in the case of claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.

Coverage status under Aditya Birla Activ Assure Diamond Plan?

The plan offers an additional 10% to the sum insured as a No Claim Bonus for each claim free year, a maximum of upto 50% of the sum insured.

What is Automatic Restoration?

Automatic restoration is a benefit in which the insurance company restores the total sum insured after it gets fully exhausted in treatments.

Coverage status under Aditya Birla Activ Assure Diamond Plan?

The plan reloads the sum insured amount by 150% for a subsequent and unrelated illnesses.

What is Daily Hospital Cash?

It is a cash amount that you will get each day during the time of hospitalization.

Coverage status under Aditya Birla Activ Assure Diamond Plan?

The Daily hospital cash available under the plan is Rs. 500 per day, maximum 5 days per hospitalisation

The daily hospital cash is not available under the plan.

What is an Organ Donor Cover?

Your health plan will cover the cost of the procedure for removing the damaged or malfunctioning organs from the body.

Coverage status under Aditya Birla Activ Assure Diamond Plan?

Under the plan, Organ Donor expenses are covered up to the SI

What is a Maternity Cover?

It refers to the cover that includes expenses for normal and c-section procedures deliveries.

Coverage status under Aditya Birla Activ Assure Diamond Plan?

Not covered

What is a New Born Baby Cover?

It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the new born cover and these common treatments can vary from plan to plan:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Pre-mature delivery
  • Birth asphyxia
  • Day care treatment

Coverage status under Aditya Birla Activ Assure Diamond Plan?

Not covered

What is AYUSH Treatment?

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

Coverage status under Aditya Birla Activ Assure Diamond Plan?

AYUSH treatment is covered under this plan up to INR 15,000.

AYUSH treatment is covered under this plan up to INR 20,000.

AYUSH treatment is covered under this plan up to INR 30,000.

AYUSH treatment is covered under this plan up to INR 40,000.

AYUSH treatment is covered under this plan up to INR 50,000.

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)

Coverage status under Aditya Birla Activ Assure Diamond Plan?

Not Available

What is a Modern Treatment?

Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.

Coverage status under Aditya Birla Activ Assure Diamond Plan?

Not Covered

What is an Ambulance Cover?

An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.

Coverage status under Aditya Birla Activ Assure Diamond Plan?

This plan covers Ambulance charges up to INR 1500.

This plan covers Ambulance charges up to INR 2000.

This plan covers Ambulance charges up to INR 2500.

This plan covers Ambulance charges up to INR 3000.

This plan covers Ambulance charges up to INR 5000.

What is an Air Ambulance?

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

Coverage status under Aditya Birla Activ Assure Diamond Plan?

The plan covers the Domestic Emergency Assistance Services (including Air Ambulance) & International Emergency Assistance Services (including Air Ambulance).

What is Compassionate Travel?

Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.

Coverage status under Aditya Birla Activ Assure Diamond Plan?

Not available

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India.

Coverage status under Aditya Birla Activ Assure Diamond Plan?

Not available

What is E-Consultation?

If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

Coverage status under Aditya Birla Activ Assure Diamond Plan?

The plan does not covers the expenses for E-consultation.

What is a Health Checkup?

A facility where the policyholder can avail free health check-ups after fulfilling the company's policies.

Coverage status under Aditya Birla Activ Assure Diamond Plan?

The plan offers Annual Health Check-up benefit from Day 1.

What is a Second Medical Opinion?

If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company's network of medical practitioners.

Coverage status under Aditya Birla Activ Assure Diamond Plan?

The plan covers the expenses for Second Medical Opinion only for the listed 15 critical illnesses.

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations is provided by the insurance companies.

Coverage status under Aditya Birla Activ Assure Diamond Plan?

The plan does not cover vaccination cover.

The plan offers coverage for vaccination up to INR 10K

What is Co-payment?

In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.

Coverage status under Aditya Birla Activ Assure Diamond Plan?

Co-payment is only applicable if the policyholder is above 61 years.

What is the Sub limit?

Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to pay by the policyholder.

Coverage status under Aditya Birla Activ Assure Diamond Plan?

No sub-limits are available

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.

Activ Assure Diamond Plan Exclusions

Permanent Exclusions | Coverage after Waiting Period

Permanent Exclusions

Permanent diseases or health conditions that are not included under Activ Assure Diamond plan are:

Hospitalization out of war, riot, strike, and nuclear weapons

Intentional self-injury

AIDS

Miscarriage, and abortion,

Congenital disease,

Infertility and in vitro fertilization

Coverage after Waiting Period

Certain diseases and treatments are covered under this plan after a certain time period. Read the details below:

Listed ailments after 24 Months

Pre-existing diseases after 48 Months

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 wherein we have illustrated the sample premiums for different family sizes.

1 Adult

Sum Insured (in Rs.) 10 Lakhs 25 Lakhs 50 Lakhs 1 Crore
Premium Payable 7,919 11,244 17,286 21,364

2 Adults

Sum Insured (in Rs.) 10 Lakhs 25 Lakhs 50 Lakhs 1 Crore
Premium Payable 11,917 18,091 27,575 34,081

2 Adults +1 Kid

Sum Insured (in Rs.) 10 Lakhs 25 Lakhs 50 Lakhs 1 Crore
Premium Payable 15,758 22,778 33,815 41,792

Aditya Birla Activ Assure Diamond Plan Benefits

Health Returns

Earn rewards by staying fit

Optional Covers

Avail enhanced protection with additional coverage options

Tax Benefits

Get tax relief under section 80D

Discounts

Avail Family and Long-Term Discounts

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.

Optional Covers

The plan offers several optional covers that allow you to get enhanced coverage and help you to customize your plan as per your needs and requirements.

Tax Benefits

Amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.

Discounts

The plan offers several discounts if one chooses to opt for a long-term policy or add more than 1 family member to their policy. The discounts available under the plan are as follows:

Avail 7.5% discount for a 2-year policy and a 10% discount for a 3-year policy.Avail a 5% discount for a multi-individual policy for 2-3 members and a 10% discount for a multi-individual policy for 4+ members.

Explore Aditya Birla Health Insurance

Know more about Aditya Birla Health Insurance, its claim process, buying process, and contact details by clicking on the sections below:

Contact Us

For any query related to the policy get in touch with the Aditya Birla Health Insurance Company

Premium Calculator

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Explore other Aditya Birla Health Plans

Aditya Birla Health offers a wide range of health insurance plans to fulfill the medical needs of individuals, families, and senior citizens.

Aditya Birla Health Insurance Individual & Family Plans

Comprehensive

A comprehensive health insurance plan that offers comprehensive coverage against medical bills & comes with access to Chronic Management Program.

Unique Benefits

  • Chronic illness cover
  • Modern treatments covered
  • Double coverage

Affordable

Activ Assure Diamond is a complete health insurance plan that offers new-age health features at an affordable cost, and covers more than 500 daycare treatments.

Unique Benefits

  • 150% sum insured reload
  • No Room rent capping
  • Mental illness covered

Standard

Aditya Birla Arogya Sanjeevani

A standard health insurance policy, wherein you can choose coverage of up to Rs.1 lac to Rs.5 lacs.

Unique Benefits

  • Avail 5% cumulative bonus
  • Cataract treatment covered
  • All daycare treatments covered

Aditya Birla Health Insurance Specialized Plans

Senior Citizen

A senior citizen plan that offers complete protection such as nursing at home, AYUSH cover, personal health coach, etc.

Unique Benefits

  • Avail up to 21% health returns
  • Second E-opinion
  • Worldwide Emergency Assistance

Super top-up

Aditya Birla Activ Assure Diamond + Super Health Topup

A top-up plan offering medical coverage up to Rs. 1 cr. The plan also gives health and wellness discounts.

Unique Benefits

  • 586-day care procedures covered
  • No restriction on room rent
  • Road Ambulance coverage up to 5K

Cancer Plan

Aditya Birla Activ Secure- Cancer Secure

Specially designed plan to protect you against the rising costs of treatment at every stage of cancer – early, major and advanced.

Unique Benefits

  • Short survival period of 7 days
  • Early stages of cancer covered
  • Avail no claim bonus

Accident Plan

Aditya Birla Activ Secure Personal Accident Plan

The Plan is designed to protect individuals and families from all the contingencies (death and disabilities) that occur due to accidents.

Unique Benefits

  • Education benefits provided
  • Funeral expenses covered
  • Protection against income loss

Critical Plan

Aditya Birla Activ Secure Critical Illness Plan

The plan is designed to provide financial protection against critical illnesses, & offers compensation against the loss of income arising out of critical illnesses.

Unique Benefits

  • Lump Sum payout on detection
  • 150% sum assured
  • Short survival period

Health Insurance Articles

Aditya Birla 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.

Aditya Birla Activ Assure Diamond Policy Review

Read what customers have to say about Aditya Birla Activ Assure Diamond Insurance.

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Sanjay naraware

Pune

November 8, 2022

Sanjay nanaware here, first of all I appreciate Star Health for your punctuality, service, conversation and I really thanks to Mr.Sanchin pathavnkar who has suggest star health policy.

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Ritesh

Delhi

June 2, 2022

Star health insurance company is one of the most trusted brands and my experience has been good with the insurer.

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Himanshu Gada

Delhi

May 25, 2022

Star is a good company. I have bought 2 plans from this company. One for myself, and another for my parents. I am happy with both the plan. Thank you PolicyX.com for helping me to find this gre...

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samarth wadhwa

Guwahati

March 14, 2022

Star is one of the topmost insurance companies and they prove it with their services and plans. They have plans for each family member of mine starting from my parents to my own family and even...

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rachana singh

Ahmedabad

February 24, 2022

I am star health s customers from last 5 months where i have got best customer service. They have a huge list of network hospitals which keeps me relaxed that i can get cashless treatment

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paridhi

Hyderabad

February 17, 2022

No doubt that why people recommended me this company. They are loyal towards their customers and help them in every possible way.

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Yash Sharma

Indore

January 18, 2022

Best comparison portal and best services given by policyx.com and this company is growing in insurance web aggregator sector

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manish patel

Indore

December 29, 2021

This is best company compare to all web agrigaters com. most imp to cistomer support best for help go with this

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