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
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.
The plan lets the policyholder earn up to 30% of their premium as Health Returns if they follow a healthy lifestyle and stay fit.
The pre-hospitalization expenses are covered on a reimbursement basis and coverage provided is only for 30 days before 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.
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.
The plan provides coverage to new-age treatments such as Robotic Surgeries, Oral Chemotherapy, Balloon Sinuplasty.
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
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.
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
The policyholder will get a fixed amount for the daily expenses that occurred for a day within 24 hours of hospitalization.
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
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
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.
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
The following are the exclusions of the Aditya Birla Activ Assure Diamond Plan:
You can buy Aditya Birla Health Insurance directly from the company's official website. Just follow the below steps:
You can also buy it from PolicyX.com. Below is its buying process.
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You can buy a policy for yourself and your spouse, your and your spouse's parents, and up to four children.
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.
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.
No, Aditya Birla does not offer any waiver of co-payment for the age 61yrs and above.
No, pre and post-hospitalization expenses are not covered under AYUSH treatment.
No, reload of the sum insured is applicable only for In-Patient hospitalization and Daycare claims.
No, there is no daily allowance benefit under this sum insured category.
Yes, there is a 30 day grace period for the renewal of the Activ Assure Diamond plan.
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May 26, 2022
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GurgaonFebruary 21, 2022
Riya
BengaluruABRL 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
GandhinagarI 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
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Punevery vast range of plans! the premiums are decent for anybody s budget. I would 1000% recommend the comapny
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Kinshuk
HyderabadIt has been an absolute pleasure associating with policyx for my health insurance. They have been very helpful in my decision.
Last updated on March, 2021
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