Network hospitals
10500+
Claim settlement ratio
99.41%
Sum insured
2 CR
No. of Plans
11
Solvency Ratio
1.9
Pan India Presence
2300+
PolicyX.com is a Recognised Aditya Birla Partner View Certificate
Network hospitals
10500+
Claim settlement ratio
99.41%
Sum insured
2 CR
No. of Plans
11
Solvency Ratio
1.9
Pan India Presence
2300+
PolicyX.com is a Recognised Aditya Birla Partner View Certificate
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 Health Insurance
Aditya Birla Health Insurance Plan Detailed Review
91 days to 5 years
Adult: 5 Years, Maximum: No Age Bar
Individual / Family Floater
1 / 2 / 3 year
Lifetime Renewability
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.
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
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
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
AYUSH Treatment
Up to 15K
IVF Treatment
Not Available
Modern Treatment
Not Available
Ambulance
Covered up to 1.5K
Air Ambulance
Available
Compassionate Travel
Not available
Global Coverage
Not available
E-Consultation
Not available
Health Check-Up
Available Annually
Second Medical Opinion
Available for 15 listed Critical Illnesses
Vaccination
Not Available
Co-payment
Applicable, only if the policyholder is 61 years or above
Sub-limits
Not Available
Coverage for SI: 5L-10L
Room Rent
Available
ICU Charges
Covered up to 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
Covered
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
Not Available
Organ Donor
Covered up to SI
Maternity Cover
Not Available
New Born Baby Cover
Not Available
AYUSH Treatment
Up to 20K
IVF Treatment
Not Available
Modern Treatment
Not Available
Ambulance
Covered up to 2K
Air Ambulance
Available
Compassionate Travel
Not available
Global Coverage
Not available
E-Consultation
Not available
Health Check-Up
Available Annually
Second Medical Opinion
Available for 15 listed Critical Illnesses
Vaccination
Not Available
Co-payment
Applicable, only if the policyholder is 61 years or above
Sub-limits
Not Available
Coverage for SI: 15L-40L
Room Rent
Upto SI
ICU Charges
Covered up to 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
Covered
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
Not Available
Organ Donor
Covered up to SI
Maternity Cover
Not Available
New Born Baby Cover
Not Available
AYUSH Treatment
Up to 30K
IVF Treatment
Not Available
Modern Treatment
Not Available
Ambulance
Covered up to 2.5K
Air Ambulance
Available
Compassionate Travel
Not available
Global Coverage
Not available
E-Consultation
Not available
Health Check-Up
Available Annually
Second Medical Opinion
Available for 15 listed Critical Illnesses
Vaccination
Not Available
Co-payment
Applicable, only if the policyholder is 61 years or above
Sub-limits
Not Available
Coverage for SI: 50L-75L
Room Rent
Upto SI
ICU Charges
Covered up to 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
Covered
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
Not Available
Organ Donor
Covered up to SI
Maternity Cover
Not Available
New Born Baby Cover
Not Available
AYUSH Treatment
Up to 40K
IVF Treatment
Not Available
Modern Treatment
Not Available
Ambulance
Covered up to 3K
Air Ambulance
Available
Compassionate Travel
Not available
Global Coverage
Not available
E-Consultation
Not available
Health Check-Up
Available Annually
Second Medical Opinion
Available for 15 listed Critical Illnesses
Vaccination
Not Available
Co-payment
Applicable, only if the policyholder is 61 years or above
Sub-limits
Not Available
Coverage for SI: 1Cr-2 Cr
Room Rent
Upto SI
ICU Charges
Covered up to 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
Covered
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
Not Available
Organ Donor
Covered up to SI
Maternity Cover
Not Available
New Born Baby Cover
Not Available
AYUSH Treatment
Up to 50K
IVF Treatment
Not Available
Modern Treatment
Not Available
Ambulance
Covered up to 5K
Air Ambulance
Available
Compassionate Travel
Not available
Global Coverage
Not available
E-Consultation
Not available
Health Check-Up
Available annually
Second Medical Opinion
Available for 15 listed Critical Illnesses
Vaccination
Covered up to 10K
Co-payment
Applicable, only if the policyholder is 61 years or above
Sub-limits
Not Available
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:
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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
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
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:
Coverage status under Aditya Birla Activ Assure Diamond Plan?
Not covered
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.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:
Coverage status under Aditya Birla Activ Assure Diamond Plan?
Not Available
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
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.
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).
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
Any kind of medical/health emergency when you are outside of India.
Coverage status under Aditya Birla Activ Assure Diamond Plan?
Not available
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.
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.
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.
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
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.
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 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.
Permanent Exclusions | Coverage after Waiting Period
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
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
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.
Sum Insured (in Rs.) | 10 Lakhs | 25 Lakhs | 50 Lakhs | 1 Crore |
Premium Payable | 7,919 | 11,244 | 17,286 | 21,364 |
Sum Insured (in Rs.) | 10 Lakhs | 25 Lakhs | 50 Lakhs | 1 Crore |
Premium Payable | 11,917 | 18,091 | 27,575 | 34,081 |
Sum Insured (in Rs.) | 10 Lakhs | 25 Lakhs | 50 Lakhs | 1 Crore |
Premium Payable | 15,758 | 22,778 | 33,815 | 41,792 |
Earn rewards by staying fit
Avail enhanced protection with additional coverage options
Get tax relief under section 80D
Avail Family and Long-Term Discounts
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 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.
Amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.
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.
Aditya Birla Health offers a wide range of health insurance plans to fulfill the medical needs of individuals, families, and senior citizens.
Comprehensive
A comprehensive health insurance plan that offers comprehensive coverage against medical bills & comes with access to Chronic Management Program.
Unique Benefits
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
Standard
A standard health insurance policy, wherein you can choose coverage of up to Rs.1 lac to Rs.5 lacs.
Unique Benefits
Senior Citizen
A senior citizen plan that offers complete protection such as nursing at home, AYUSH cover, personal health coach, etc.
Unique Benefits
Super top-up
A top-up plan offering medical coverage up to Rs. 1 cr. The plan also gives health and wellness discounts.
Unique Benefits
Cancer Plan
Specially designed plan to protect you against the rising costs of treatment at every stage of cancer – early, major and advanced.
Unique Benefits
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
Critical 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
See More Health Insurance Articles
See More Health Insurance Articles
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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