Aditya Birla Activ Assure Diamond Plan
The Aditya Birla Activ Assure Diamond Plan is a comprehensive health insurance plan offered by Aditya Birla Health Insurance Company Limited. The plan covers hospitalization expenses, daycare procedures, and critical illnesses. The policy also includes a wellness program that offers preventive healthcare services to policyholders. The Aditya Birla Activ Assure Diamond Plan is an ideal health insurance plan for individuals and families who want comprehensive coverage and access to preventive healthcare services. However, it's always recommended to carefully read the policy document and understand the terms and conditions before making a decision.
Network Hospitals
Highlights of Aditya Birla Activ Assure Diamond Plan
Below mentioned are the highlights of the Aditya Birla Activ Assure Diamond Plan:
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Entry Age
5 Years to No Maximum Limit
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Renewability
Lifetime
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Policy Type
Individual and Family Floater
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Sum Insured
2L, 3L, 4L, 5L, 7L, 10L, 15L, 20L, 25L, 30L, 40L, 50L, 75L, 1 Cr, 1.5Cr, 2Cr
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Policy Term
1, 2, 3 Years
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Waiting Period for Pre-Existing Disease
4 Years
Aditya Birla Activ Assure Diamond Plan Coverage Benefits
Aditya Birla Activ Assure Diamond Plan offers its policyholders to customize the plan as per their needs. The plan also offers a range of add-ons, such as critical illness cover, personal accident cover, an international second opinion, etc. Below mentioned are the coverage benefits offered under Aditya Birla Activ Assure Diamond Plan:
- 2L, 3L, 4L
- 5L, 7L, 10L
- 15L to 40L
- 50L and 75L
- 1Cr to 2Cr
Room Rent
Up to 1% of Sum Insured
Single Private AC Room
Single Private Room (Upgradable)
Single Private Room (Upgradable)
Single Private Room (Upgradable)
ICU Charges
Up to 2% of Sum Insured per Day
Up to Sum Insured
Up to Sum Insured
Up to Sum Insured
Up to Sum Insured
Pre-Hospitalization
Covered up to 30 Days
Post-Hospitalization
Covered up to 60 Days
Domiciliary Hospitalization
Covered up to 10% of Sum Insured
Covered up to 10% of Sum Insured
Covered up to 10% of Sum Insured
Covered up to 10% of Sum Insured
Covered if hospitalization exceeds 3 days
Daycare Treatments
586 Daycare Treatments Covered
COVID-19 Treatments
Covered
No Claim Bonus
10% of SI, max Available up to 50% of SI
Automatic Restoration
Available up to 150% of SI
Organ Donor
Covered up to SI
AYUSH Treatment
Covered up to INR 15K
Covered up to INR 20K
Covered up to INR 30K
Covered up to INR 40K
Covered up to INR 50K
Ambulance Cover
Covered up to INR 1.5K
Covered up to INR 2K
Covered up to INR 2.5K
Covered up to INR 3K
Covered up to INR 5K
Air Ambulance Cover
Covered
Health Checkup
Available Annually
Vaccination Cover
Not Covered
Not Covered
Not Covered
Not Covered
Covered up to INR 10K
Second Medical Opinion
Available for 15 listed illnesses
Co-Payment
Applicable*
*Applicable, if the policyholder is 61 years of age or above.
Coverage after Waiting Period
Given below are the coverage benefits offered under the Aditya Birla Activ Assure Diamond Plan after a certain waiting period:
| Coverage Benefits | Waiting Period |
|---|---|
| Specific Illnesses | 24 months |
| Initial Waiting Period | 30 Days |
| Pre-Existing Diseases | 48 Months |
Aditya Birla Activ Assure Diamond Plan Exclusions
Below mentioned is the list of diseases and conditions that are not covered under Active Assure Diamond Plan:
- Injuries due to War, revolution, an act of a foreign enemy, or usurped acts.
- Injuries due to Breach of law with Criminal Intent
- Intentional self-injury, Suicidal injuries
- Abuse of alcohol, intoxicants or hallucinogenic substances
- Cosmetic treatment & surgeries
- Aesthetic and re-shaping treatments & surgeries
- Ear and Eye treatment
- Psychiatric treatment or psychological disorders
- Mental disorders
Aditya Birla Health Insurance Activ Assure Diamond Plan Additional Benefits
The Aditya Birla Activ Assure Diamond Plan also offers several value-added benefits, such as free annual health check-ups, wellness programs, and access to a 24x7 helpline for medical assistance. Policyholders can also earn rewards for maintaining a healthy lifestyle, such as a discount on renewal premium and cashback on achieving their health goals. Below we have explained these additional benefits in detail:
- HealthReturns: It is a type of monetary reward in which you can get up to 30% of discount on your renewal premium by just completing 13 Activ days every month. Below is the process to earn HealthReturns rewards:
1. Download the Activ Health App
2. Check your Healthy Heart Score
3. Take the health assisment
4. Improve your health by completing 13 Activ Dayz in a month
5. 1 Active Day = 10,000 steps per day or 300 calories burned or 30 minute gym session
- Health Coach: Policyholders having above 18 years of age will get two coaching sessions every policy year with Diabetes, Hypertension, Hyperlipidemia or Asthma. Health coaches will helps you in adapting better lifestyle management to take care of such chronic diseases.
- Super NCB: This add-on rider will double your sum insured amount in just 2 claim free years.
- Unlimited Reload of SI: This add-on rider will 100% reload your basic sum insured amount unlimited times in a policy year.
- Any Room Upgrade: Policyholders can get hospitalized without worrying about the type of room as this add-on rider covers every type of room available in the hospital.
Explore More About Aditya Birla Activ Assure Diamond Plan
Check the below section to learn more about the Aditya Birla Health Insurance buying process, Aditya Birla health insurance claim settlement process, Aditya Birla health insurance renewal process.
