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Aditya Birla Group Health Insurance
Aditya Birla Group health insurance offers options like Aditya Birla Group Activ Health, Activ Secure, and Activ Travel. Group health insur…
- 92.97% claim settlement ratio
- Day 1 coverage
- Up to 30% health returns
Aditya Birla Health Insurance
Aditya Birla Activ Assure Diamond+ Super Top-Up Plan
This Aditya Birla Super top-up plan helps you cover your basic healthc ...Read More
Up to 1 Cr
Sum insured
1
No. of plans
4800+
Pan India presence
96%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,711 reviews
🏥 12,900+ hospitals
📊 1.88 solvency ratio
✅ 96% claim settlement
About Aditya Birla Activ Assure Diamond+ Super Top-Up Plan
A quick read on what this Aditya Birla Health Insurance plan covers and why it might be a fit for you.
Is there a health plan that covers exceeding medical expenses without letting you worry about its limit?
Well, Aditya Birla Activ Assure Diamond+ does!
The Activ Assure Diamond+ plan from Aditya Birla Health Insurance is a comprehensive super health top-up plan that covers your basic healthcare needs at affordable premiums. Key coverage highlights of the plan include:
- Cover for hospitalization expenses, including COVID-19
- Home treatment expenses
- Over 586 daycare procedures covered
- Coverage for pre and post-hospitalization expenses
Additionally, it offers a wide range of coverage benefits that help you save on medical expenses, including no limit on room rent and ICU expenses, OPD consultation discounts, pharmacy, and diagnostic services. It also covers over 586 types of daycare procedures that require 24 hours or less of hospitalization.
An important point to note is that a deductible amount applies to claims for hospitalization and other specified services. The deductible can be converted to zero, turning this into an indemnity plan, provided the eldest member is 50 or below after 5 continuous policy renewals.
To learn more about this plan, read on for details on eligibility criteria, specifications, and exclusions.
Plan at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
Min- 5 years, Max- 65 years
Plan type
Top Up and Super Top Up
Sum insured options
₹3 L, ₹10 L, ₹20 L, ₹50 L, ₹80 L, ₹1 L
Waiting period
30 days
Renewability
Lifelong
Policy term
1, 2, 3 years
*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.
Pros & cons
A quick honest summary — the strengths and the trade-offs.
Pros
- Cover for hospitalization expenses like COVID-19
- Home treatment expenses
- Over 586 daycare procedures covered
Cons
- Daily hospital cash not covered
- No maternity cover
- Modern treatment not covered
- E-consultation not covered
What's covered
Every CMS-driven coverage flag from the plan wording — only items with a published value render below.
Hospitalization
- Room rent Covered
- ICU charges Covered
- Pre-hospitalization Covered
- Post-hospitalization Covered
- Domiciliary hospitalization Covered
- Day-care treatment Covered
- OPD charges Covered
- Covid-19 treatment Covered
- Cataract Covered
Bonuses & restoration
- No-claim bonus Covered
- Automatic restoration of SI Not covered
- Daily hospital cash Not covered
Family & special care
- Maternity cover Not covered
- New-born baby cover Not covered
- IVF treatment Not covered
- AYUSH treatment Covered
- Organ donor expenses Covered
Modern & preventive care
- Modern treatment Not covered
- Road ambulance Covered
- Air ambulance Covered
- E-consultation Not covered
- Health check-up Not covered
- Second medical opinion Not covered
- Vaccination Not covered
Conditions & global
- Co-payment Covered
- Sub-limits Covered
- Compassionate travel Not covered
- Global coverage Covered
Aditya Birla Health Insurance Network Hospital List
Aditya Birla Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Aditya Birla Health Insurance ensures that you are medically secured, irrespective of the city you reside in.
Inclusions & exclusions
What the plan pays for, and what it doesn't.
Inclusions
- In-patient hospitalization, including COVID-19
- Home treatment for listed conditions
- Domiciliary hospitalization
- 586 daycare procedures
- Pre-hospitalization expenses for 30 days
- Post-hospitalization expenses for 60 days
- Road ambulance cover
- Organ donor expenses
- AYUSH in-patient treatment
- No room rent restriction
- International emergency assistance with air ambulance
- Domestic emergency assistance with air ambulance
- Health and wellness benefits
- OPD, diagnostics, and pharmacy discounts
- Option to convert deductible to zero after 5 continuous renewals
- Long-term policy discounts
Exclusions
- Permanent diseases or health conditions not covered under the Aditya Birla Activ Assure Diamond+ Super Top-Up Plan include:
- Hearing aids/spectacles/contact lenses
- Baldness treatment or any similar application like alopecia, wigs, or toupees
- Cosmetic, re-shaping treatments and beauty surgeries
- War, acts of a foreign enemy, insurrection, etc.
- Illness, injury, or accident due to abuse of intoxicants
- Breach of law or intentional self-injury
- Suicidal acts or suicide
- Diagnostic tests or unrelated consumables
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Min entry age: 18 Years
- Max entry age: 65 Years
- Initial Waiting Period: 30 Days
- Sum Insured: Up to 1 Cr
Other features & benefits
Key Features of Aditya Birla Activ Assure Diamond+ Super Top-Up Plan
- Option to remove deductible after five continuous renewals.
- Coverage for approved home treatments.
- International emergency assistance, including air ambulance.
- Domestic emergency assistance within India.
- Discounts on OPD visits, diagnostics, and medicines.
- Long-term premium discounts on multi-year policies.
Activ Assure Diamond+ 1 Crore Super Top-Up Plan: FAQs
The 5 most-asked questions about Aditya Birla Activ Assure Diamond+ Super Top-Up Plan, answered.
The basic sum insured under this comprehensive plan is upto 1 Crore. Also, the min. Sum insured starts from 3 Lakhs, and their are multiple SI options available in between.
International emergency assistance including air ambulance services are available under this plan.
An individual who is between 5 to 65 years of age can buy this health cover cum health insurance policy.
No, maternity cover or expenses related to newborn baby are unavailable under this policy.
A 2-year policy will give you 7.5% and a 3 year policy provides a 10% long-term discount benefit. Other than this, Aditya Birla Activ Assure Diamond insurance plan offers health return benefits on staying healthy which you can utilize to optimize your room rent limit, health coverage, and more.
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