Insurance Plans Comparison
Aditya Birla Active Assure Diamond vs Aditya Birla Active Fit Preferred
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Active Assure Diamond
Aditya Birla Activ Assure Diamond
What Makes It Special:
Activ Assure Diamond is a budget-friendly, new-age health plan from Aditya Birla that combines no-room-rent-capping coverage, modern treatment cover, wellness rewards, and a reload benefit of up to 150% of Sum Insured in one affordable package.
Best For:
Those wanting accidental and cancer hospitalisation boosters
Customers looking for modern treatment coverage like robotic surgeries and oral chemotherapy
People wanting wellness-linked premium rewards(HealthReturns™)
Buyers who want no capping on room rent for higher Sum Insured options
Families and individuals looking for affordable, comprehensive coverage
VS
Active Fit Preferred
Activ Fit Preferred
What Makes It Special:
Activ Fit Preferred combines hospitalization coverage with fitness rewards and maternity protection. It includes unlimited Binge Refill, HealthReturns and a maternity benefit over and above the base Sum Insured.
Best For:
Buyers wanting unlimited refill protection
Customers interested in fitness-linked rewards
Buyers planning for maternity
Younger families
Insurance Plans Comparison
Get Personalized Advice
Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.
Quick Decision Guide
Check the waiting periods and daycare treatment caps carefully before purchase
May not suit buyers looking for in-built OPD or maternity coverage
Suitable for buyers who want extra cover for accidental or cancer hospitalisation through boosters
Useful for people who want to earn up to 30% of premium back through HealthReturns™ wellness rewards
Good option if you want a budget-friendly plan with no room rent capping on higher Sum Insured options
OPD consultation requires the relevant optional cover.
Health returns depend on wellness activity and applicable policy conditions.
The maternity waiting period should be considered before purchase.
Maternity benefits are a key differentiator of this variant.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Active Assure Diamond Health Insurance Plan VS VS |
Active Fit Preferred Health Insurance Plan |
| Room Rent |
|---|
Active Assure Diamond Normal: Varies by variant — General Room / Twin Sharing / All rooms except Deluxe & Suite / Any room covered ICU: Covered up to Sum Insured |
VS VS |
Active Fit Preferred Any room for sum insured 5 lakh and above. |
| ICU Charges |
|---|
Active Assure Diamond Covered up to the Sum Insured. No separate capping applies on ICU charges when room rent is unrestricted. |
VS VS |
Active Fit Preferred No capping, covered up to sum insured. |
| Co-payment |
|---|
Active Assure Diamond Not a core feature of this variant — verify availability from policy wordings. |
VS VS |
Active Fit Preferred No. |
| Disease-wise sublimits |
|---|
Active Assure Diamond Certain treatments carry sub-limits — for example, domiciliary hospitalisation is capped at 10% of Sum Insured. |
VS VS |
Active Fit Preferred No broad disease sublimit identified; subject to policy terms. |
| Cashless Healthcare Providers |
|---|
Active Assure Diamond Cashless treatment available at 10,051+ network hospitals across India. |
VS VS |
Active Fit Preferred 16,500 + current insurer network |
| Restoration Benefit |
|---|
Active Assure Diamond Reload of Sum Insured up to 150%, max up to ₹50 lakh, when the Sum Insured gets exhausted. |
VS VS |
Active Fit Preferred Binge refill - 100% sum insured, unlimited times |
| Cumulative Bonus |
|---|
Active Assure Diamond Earn 10% of Sum Insured per claim-free year, accumulating up to 50% of Sum Insured. The Super No Claim Bonus add-on doubles your Sum Insured after 2 consecutive claim-free years (not available above ₹1 Cr SI). Accumulated bonus reduces if a claim is made; Super NCB requires continuous renewal without break. |
VS VS |
Active Fit Preferred 10% per year, up to 100% |
| Daycare Treatment |
|---|
Active Assure Diamond 586 daycare procedures covered, even when hospitalisation is less than 24 hours. |
VS VS |
Active Fit Preferred All day care treatments covered up to sum insured. |
| Consumable Cover |
|---|
Active Assure Diamond Non-medical consumables such as gloves, oxygen masks, and similar items used during hospitalisation are covered. Covered within the Sum Insured, subject to policy terms. |
VS VS |
Active Fit Preferred Optional/subject to applicable cover |
| AYUSH Treatment |
|---|
Active Assure Diamond Covered — in-patient hospitalisation at AYUSH hospitals is covered subject to policy terms. |
VS VS |
Active Fit Preferred Covered up to sum insured |
| Initial Waiting Period |
|---|
Active Assure Diamond 30 days from policy inception for general illnesses(verify from policy wordings). Accidental hospitalisation is covered from day 1. |
VS VS |
Active Fit Preferred 30 days |
| Specific Waiting Period |
|---|
Active Assure Diamond 2 years for listed specific diseases/procedures(verify from policy wordings. Coverage begins only after the waiting period is served with continuous renewal. |
VS VS |
Active Fit Preferred 24 months |
| PED Waiting Period |
|---|
Active Assure Diamond 2 years for pre-existing diseases(per Policybazaar; verify from policy wordings — some sources indicate 3 years, so confirm before purchase. PED coverage begins after the waiting period, subject to continuous renewal. |
VS VS |
Active Fit Preferred 48 months |
| Modern Treatment |
|---|
Active Assure Diamond Covered for listed modern treatment methods, including Robotic Surgeries, Oral Chemotherapy, Balloon Sinuplasty, and other new-age treatments, with no separate financial limit on modern treatment coverage. Coverage is subject to the treatment being listed in the policy and medically necessary. |
VS VS |
Active Fit Preferred Covered up to sum insured. |
| Annual Health Checkup |
|---|
Active Assure Diamond Cashless annual health check-up available from day 1 through the insurer's app/network. Check-up must be availed through the designated channel and is subject to network availability. |
VS VS |
Active Fit Preferred Once every policy year |
| Pre-Hospitalisation |
|---|
Active Assure Diamond Pre-hospitalisation medical expenses covered up to the Sum Insured for 30 days prior to hospitalisation. |
VS VS |
Active Fit Preferred 90 days |
| Post-Hospitalisation |
|---|
Active Assure Diamond Post-hospitalisation medical expenses covered up to the Sum Insured for 60 days following discharge. |
VS VS |
Active Fit Preferred 180 days |
| Outpatient Department Cover (OPD Expense) |
|---|
Active Assure Diamond Not available as in-built OPD cover in this variant. |
VS VS |
Active Fit Preferred Optional cover |
| Deductible Option |
|---|
Active Assure Diamond Not a core feature of this variant — verify availability from policy wordings. |
VS VS |
Active Fit Preferred Not established as a standard inbuilt benefit |
| Coverage Options |
|---|
Active Assure Diamond Sum Insured options from ₹2 lakh up to ₹2 crore, with flexible choices based on budget and family needs. |
VS VS |
Active Fit Preferred Individual, multi-individual, family floater structure as applicable. |
| Claim Settlement Ratio |
|---|
Active Assure Diamond Aditya Birla Health Insurance maintains a strong claim settlement track record; the exact ratio for this variant should be verified from the latest IRDAI annual report. |
VS VS |
Active Fit Preferred 97% |
| Maternity Cover |
|---|
Active Assure Diamond Not available as an in-built benefit in this variant. |
VS VS |
Active Fit Preferred Yes, 40,000 normal/60,000 C-section. |
Insurance Plans Comparison
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Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support
What Our Experts Help You With
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Every suggestion is backed by expert analysis of your life stage, goals, and budget
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Insurance Plans Comparison
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Frequently Asked Questions (FAQs)
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