Insurance Plans Comparison
Aditya Birla Active Assure Diamond vs Care Advantage
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreActive 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
Advantage
Care Advantage Health Insurance
What Makes It Special:
Premium plan offering high Sum Insured up to ₹1 Crore with optional global coverage.
Best For:
Nationwide cashless treatment network
High sum insured with flexible add-ons
Broad coverage including AYUSH and daycare
Comprehensive health and wellness protection
Insurance Plans Comparison
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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
You want flexibility in sum insured and add-on benefits
You value regular health check-ups and ambulance coverage
You seek cashless hospitalization services across many hospitals
You prefer optional add-ons for extra critical illness cover
You want extensive hospital and daycare coverage
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Active Assure Diamond Health Insurance Plan VS VS |
Advantage 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 |
Advantage All room categories are covered |
| 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 |
Advantage No restriction on ICU room rent |
| Co-payment |
|---|
Active Assure Diamond Not a core feature of this variant — verify availability from policy wordings. |
VS VS |
Advantage Available as an option |
| Disease-wise sublimits |
|---|
Active Assure Diamond Certain treatments carry sub-limits — for example, domiciliary hospitalisation is capped at 10% of Sum Insured. |
VS VS |
Advantage No |
| Cashless Healthcare Providers |
|---|
Active Assure Diamond Cashless treatment available at 10,051+ network hospitals across India. |
VS VS |
Advantage 21700+ Healthcare Providers |
| 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 |
Advantage Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses |
| 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 |
Advantage For every year you don’t make a claim, your sum insured increases by 10%. You can pay an additional premium to increase Sum Insured up to 100%, every year, without any upper limit |
| Daycare Treatment |
|---|
Active Assure Diamond 586 daycare procedures covered, even when hospitalisation is less than 24 hours. |
VS VS |
Advantage Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual 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 |
Advantage No. However, available as an add-on |
| AYUSH Treatment |
|---|
Active Assure Diamond Covered — in-patient hospitalisation at AYUSH hospitals is covered subject to policy terms. |
VS VS |
Advantage Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| 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 |
Advantage 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 |
Advantage 2 years |
| 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 |
Advantage 3 years |
| 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 |
Advantage Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
| 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 |
Advantage Health checkup is not included as part of base cover. However, you can opt for the Annual Health Checkup Add-on to avail health checkup once per 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 |
Advantage You get cover for medical tests and doctor visits up to 30 days before hospitalisation, if your main claim is approved |
| Post-Hospitalisation |
|---|
Active Assure Diamond Post-hospitalisation medical expenses covered up to the Sum Insured for 60 days following discharge. |
VS VS |
Advantage You get cover for medical bills up to 60 days after discharge, including physiotherapy if your doctor prescribes it |
| Outpatient Department Cover (OPD Expense) |
|---|
Active Assure Diamond Not available as in-built OPD cover in this variant. |
VS VS |
Advantage OPD expense is not included as part of base cover. However, you can opt for an add-on to avail this coverage |
| Deductible Option |
|---|
Active Assure Diamond Not a core feature of this variant — verify availability from policy wordings. |
VS VS |
Advantage Available as an option |
| 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 |
Advantage Available coverage options: ₹25L, ₹50L,₹1Cr, ₹2Cr, ₹3 Cr, ₹6 Cr |
| 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 |
Advantage 96% |
| Maternity Cover |
|---|
Active Assure Diamond Not available as an in-built benefit in this variant. |
VS VS |
Advantage Not available |
Insurance Plans Comparison
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