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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:
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 DETAILS |
Activ Assure Diamond |
Health Alpha Plan |
| Product Type | Top Up and Super Top Up | Individual |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Covered | Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Covered | Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
12900 | 6000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Covered | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Not Covered | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Not covered | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Covered | Not Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Covered | Covered |
| Plan Entry Age | Min- 5 years, Max- 65 years | 18 years |
| Plan Premium Entry Age and S/A | - | 18 years |
| Plan Waiting Period | 30 | 30 |
| Plan Coverage | - | Hospitalization and medical expenses covered, Pre and post hospitalization expenses, Day care treatments covered |
| Plan Sample Premium | 962 | Unlimited |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1, 2, 3 years | 5 years |
| ICU Charges | Covered | Not covered |
| Covid-19 Treatment | Covered | Not covered |
| Cataract | Covered | Not covered |
| Automatic Restoration | Not Covered | Covered |
| Ayush Treatment | Covered | Covered |
| Modern Treatment | Not Covered | Covered |
| E Consultation | Not covered | Covered |
| Air Ambulance | Covered | Covered |
| Global Coverage | Covered | Covered |
| Claim Ratio | 96 | - |
| Solvency Ratio | 1.88 | 2.03 |
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