Aditya Birla Activ Assure Diamond+ Super Top-Up

Overview

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.

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

• 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

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.