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
-
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.
-
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.
-
Pre-Hospitalization
The pre-hospitalization expenses are covered on a reimbursement basis and coverage provided is only for 30 days before hospitalization.
-
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.
-
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.
-
Modern Treatments
The plan provides coverage to new-age treatments such as Robotic Surgeries, Oral Chemotherapy, Balloon Sinuplasty.
-
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
-
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.
-
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
-
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:
| 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 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
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 PolicyX.com. 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.
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.