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 specially designed to safeguard you and your family during the time of medical emergency. To look after the medical needs of every individual, the plan offers comprehensive coverage to the policyholder, that too with affordable premiums.

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

The plan brought on by Aditya Birla Health Insurance gives an individual a myriad of reasons to buy the Activ Assure Diamond plan. Under this plan, you can assure the health safety of you and your family from medical uncertainties.

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 13-04-2021

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.

  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.

  10. 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 13-04-2021

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 13-04-2021

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

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 13-04-2021

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.

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Find Out What the Customers Are Saying

(Showing latest 5 reviews only)

- 4.3/5 (23 Total Rating)

April 27, 2021

Ashish Tiwari


Thanks to my Aditya Birla Health Insurance, I got a cashless treatment The company understands the needs of its customers and helps them in the time of need.

January 23, 2021



Last year, I took the health insurance plan from Aditya Birla for my family. The company offered very good service and helped me alot in selecting the right coverage amount. I will suggest everyone to go for this company.

September 28, 2020

Mohit Jain


In my view, Aditya Birla is a reliable company. I would recommend all my friends and family to take health insurance plan from Aditya Birla.

June 29, 2020

Lavisha Singh


There is a big thumbs up from my side for Aditya birla Insurance company. I purchased health insurance plan 2 years back and till now have not faced any problem.

June 15, 2020

Kanishka Rana


I am satisfied with the insurance plan that I purchased from Aditya Birla last year. The company offers good customer service and their staff is also very coperative.

Last updated on 13-04-2021

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