Insurance Plans Comparison
Aditya Birla Active Assure Diamond vs Care Classic
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
Classic
Comprehensive Family Health Insurance with Unlimited Recharge and Extensive Hospitalisation Coverage
What Makes It Special:
Care Classic is a family-focused health insurance plan offering comprehensive hospitalisation coverage, unlimited automatic recharge, 60-day pre-hospitalisation and 180-day post-hospitalisation coverage, AYUSH benefits, annual health check-ups, and a cumulative bonus of up to 150% of the Base Sum Insured, subject to policy terms.
Best For:
Customers looking for long-term coverage benefits – The plan offers a cumulative bonus that can increase up to 150% of the Base Sum Insured, subject to policy terms.
Those preferring higher room eligibility – Suitable for eligible Sum Insured options offering a Single Private A/C Room.
Customers seeking extensive hospitalisation coverage – Includes pre- and post-hospitalisation, daycare, AYUSH and other eligible medical expenses.
Families seeking comprehensive health coverage – Suitable for families wanting a single floater policy with broad hospitalisation benefits.
People wanting unlimited recharge – Useful for those who want the Sum Insured to be replenished multiple times during a policy year, subject to terms.
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
Review the applicable room-rent, treatment sub-limits and waiting periods before purchasing, particularly the 36-month PED waiting period.
Check the plan carefully if maternity coverage is a priority, as maternity expenses are not covered.
Consider it if you want AYUSH treatment and annual health check-up benefits.
Choose it if 60-day pre- and 180-day post-hospitalisation coverage is important to you.
Choose Care Classic if you want family floater coverage with unlimited automatic recharge.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Active Assure Diamond Health Insurance Plan VS VS |
Classic 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 |
Classic Single Private A/C Room for SI ≥ ₹5 lakh. |
| 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 |
Classic No limit for SI ≥ ₹5 lakh. |
| Co-payment |
|---|
Active Assure Diamond Not a core feature of this variant — verify availability from policy wordings. |
VS VS |
Classic Optional |
| Disease-wise sublimits |
|---|
Active Assure Diamond Certain treatments carry sub-limits — for example, domiciliary hospitalisation is capped at 10% of Sum Insured. |
VS VS |
Classic Standard sublimits apply |
| Cashless Healthcare Providers |
|---|
Active Assure Diamond Cashless treatment available at 10,051+ network hospitals across India. |
VS VS |
Classic 10000+ network hospitals. |
| 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 |
Classic Standard No-Claim Bonus. |
| 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 |
Classic 25% of Base SI for each claim-free year, up to a maximum of 150% of Base SI. |
| Daycare Treatment |
|---|
Active Assure Diamond 586 daycare procedures covered, even when hospitalisation is less than 24 hours. |
VS VS |
Classic All Day Care Procedures are covered, subject to policy terms. |
| 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 |
Classic Not Available |
| AYUSH Treatment |
|---|
Active Assure Diamond Covered — in-patient hospitalisation at AYUSH hospitals is covered subject to policy terms. |
VS VS |
Classic Covered |
| 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 |
Classic 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 |
Classic 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 |
Classic 36 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 |
Classic Covered up to the Sum Insured, subject to applicable policy terms/sub-limits for specified advanced technology methods. Care specifically says advanced technology treatment is subject to the applicable sub-limit. |
| 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 |
Classic Available as add-on |
| Pre-Hospitalisation |
|---|
Active Assure Diamond Pre-hospitalisation medical expenses covered up to the Sum Insured for 30 days prior to hospitalisation. |
VS VS |
Classic 60 days |
| Post-Hospitalisation |
|---|
Active Assure Diamond Post-hospitalisation medical expenses covered up to the Sum Insured for 60 days following discharge. |
VS VS |
Classic 180 days post-discharge |
| Outpatient Department Cover (OPD Expense) |
|---|
Active Assure Diamond Not available as in-built OPD cover in this variant. |
VS VS |
Classic Optional Add-on |
| Deductible Option |
|---|
Active Assure Diamond Not a core feature of this variant — verify availability from policy wordings. |
VS VS |
Classic Available |
| 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 |
Classic Individual or Family Floater |
| 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 |
Classic 95.45% |
| Maternity Cover |
|---|
Active Assure Diamond Not available as an in-built benefit in this variant. |
VS VS |
Classic Maternity/childbirth is excluded. The current Care Classic page specifically excludes expenses attributable to childbirth, including complicated deliveries and Caesarean sections, except ectopic pregnancy. |
Insurance Plans Comparison
Still Confused? Get Expert Advice
Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.
Why Choose Our Expert Consultation?
What Our Experts Help You With
Personalised Recommendations
Every suggestion is backed by expert analysis of your life stage, goals, and budget
Expert-Led Policy Review
We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later
Smart, Tech-Enabled Experience
From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free
Insurance Plans Comparison
Explore Insurance Category
Senior Citizen Health Plan
Secure against age-related medical costs
Tailored for seniors healthcare needs
Most Popular
Family Health Plan
One policy covers the entire family
High sum insured with cashless care
Multiple coverage options based on your family needs
Maternity Health Plan
Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs
Insurance Plans Comparison
Frequently Asked Questions (FAQs)
Having questions? We've got answers. Explore our FAQs to find the information you need.
Explore Our Most Popular Plans
Compare With Other Health Insurance Plans
Active Assure Diamond vs Optima Secure
Active Assure Diamond vs Optima Secure Plus
Active Assure Diamond vs Cancer Cover Activ Cancer Secure Plan
Active Assure Diamond vs Women Care
Active Assure Diamond vs Activate Booster Plan A
Active Assure Diamond vs Active Care Premier
Active Assure Diamond vs ProHealth Accumulate
Active Assure Diamond vs Supreme Shine
Active Assure Diamond vs Optima Secure Global Plus
Active Assure Diamond vs myHealth Suraksha Gold
Active Assure Diamond vs LifeTime Health Global
Active Assure Diamond vs Active Fit Plus
Active Assure Diamond vs Activ Health Platinum Essential
Active Assure Diamond vs Medicare Plus
Active Assure Diamond vs Medicare Senior
Active Assure Diamond vs Medicare Protect
Active Assure Diamond vs Activ One SAVR
Active Assure Diamond vs Activ One VIP
Active Assure Diamond vs Advantage
Active Assure Diamond vs Assure
Active Assure Diamond vs Activ One Max
Active Assure Diamond vs Classic
Active Assure Diamond vs Activ One Vytl
Active Assure Diamond vs Supreme
Active Assure Diamond vs Freedom
Active Assure Diamond vs Joy Today
Active Assure Diamond vs Medi Classic
Active Assure Diamond vs Activate Booster Plan B
Active Assure Diamond vs Health Recharge Super Top Up Plan
Active Assure Diamond vs Plus Complete
Active Assure Diamond vs EquiCover
Active Assure Diamond vs Activ One VIP+
Active Assure Diamond vs Reassure 3.0 Select
Active Assure Diamond vs Medicare Premier
Active Assure Diamond vs Plus Youth
Active Assure Diamond vs Optima Lite
Active Assure Diamond vs ProHealth Prime Protect
Active Assure Diamond vs Supreme Senior Premium
Active Assure Diamond vs myHealth Suraksha Platinum
Active Assure Diamond vs Supreme Senior Super
Active Assure Diamond vs Medicare
Active Assure Diamond vs Ultimate (Direct)
Active Assure Diamond vs Sarvah Param
Active Assure Diamond vs Optima Insurance
Active Assure Diamond vs Smart Super Health Assure
Active Assure Diamond vs Health Guard Platinum
Active Assure Diamond vs Health Guard Gold
Active Assure Diamond vs Extra Care Plus Super Top-up
Active Assure Diamond vs Health Care Supreme Smart
Active Assure Diamond vs Medi Classic Gold
Active Assure Diamond vs Smart Health Pro
Active Assure Diamond vs Optima Super Secure
Active Assure Diamond vs Special Care
Active Assure Diamond vs Medicare LITE
Active Assure Diamond vs Health Shield 360
Active Assure Diamond vs SecureHealth
Active Assure Diamond vs Supreme (Direct)
Active Assure Diamond vs Mediclaim Insurance Policy
Active Assure Diamond vs Young Star Gold
Active Assure Diamond vs Senior
Active Assure Diamond vs myHealth Koti Suraksha
Active Assure Diamond vs myHealth Suraksha Silver
Active Assure Diamond vs Cancer Care Platinum
Active Assure Diamond vs Royal Sundaram Lifeline Elite
Active Assure Diamond vs Supreme Enhance One
Active Assure Diamond vs Supreme Enhance Two
Active Assure Diamond vs Health Companion Variant 2022
Active Assure Diamond vs Elder Care
Active Assure Diamond vs HeartBeat Gold
Active Assure Diamond vs Health SuperCharge
Active Assure Diamond vs iHealth Plus
Active Assure Diamond vs HeartBeat Enhanced
Active Assure Diamond vs ProHealth Prime Advantage
Active Assure Diamond vs Active Fit Preferred
Active Assure Diamond vs Senior Health Advantage
Active Assure Diamond vs Reassure 3.0 Elite
Active Assure Diamond vs Reassure 2.0 Platinum+
Active Assure Diamond vs Health Wallet
Active Assure Diamond vs Heart
Active Assure Diamond vs Elevate
Active Assure Diamond vs Reassure 2.0 Titanium+
Active Assure Diamond vs LifeTime Health
Active Assure Diamond vs ProHealth Prime Active
Active Assure Diamond vs ProHealth Prime Senior Elite
Active Assure Diamond vs Advanced Top Up
Active Assure Diamond vs Multiplier Health
Active Assure Diamond vs Joy Tomorrow
Active Assure Diamond vs Reassure 2.0 Bronze+
Active Assure Diamond vs Star Women Care Policy
Active Assure Diamond vs Young Star Silver
Active Assure Diamond vs Reassure 3.0
Active Assure Diamond vs Joy
Active Assure Diamond vs Supreme Senior Health AdvantEdge
Active Assure Diamond vs Family Plus
Active Assure Diamond vs Criti Shield Plus
Active Assure Diamond vs Health Care Supreme Ultimo
Active Assure Diamond vs Health Shield 360 Retail
Active Assure Diamond vs Supreme Super Saver
Active Assure Diamond vs Super Star
Active Assure Diamond vs Senior First Platinum
Active Assure Diamond vs Optima Secure Global
Active Assure Diamond vs NextGen
Active Assure Diamond vs Health Insurance Platinum
Active Assure Diamond vs Energy Silver With Copay
Classic vs Optima Secure
Classic vs Optima Secure Plus
Classic vs Cancer Cover Activ Cancer Secure Plan
Classic vs Women Care
Classic vs Activate Booster Plan A
Classic vs Active Care Premier
Classic vs ProHealth Accumulate
Classic vs Supreme Shine
Classic vs Optima Secure Global Plus
Classic vs myHealth Suraksha Gold
Classic vs LifeTime Health Global
Classic vs Active Fit Plus
Classic vs Activ Health Platinum Essential
Classic vs Medicare Plus
Classic vs Medicare Senior
Classic vs Medicare Protect
Classic vs Activ One SAVR
Classic vs Active Assure Diamond
Classic vs Activ One VIP
Classic vs Advantage
Classic vs Assure
Classic vs Activ One Max
Classic vs Activ One Vytl
Classic vs Supreme
Classic vs Freedom
Classic vs Joy Today
Classic vs Medi Classic
Classic vs Activate Booster Plan B
Classic vs Health Recharge Super Top Up Plan
Classic vs Plus Complete
Classic vs EquiCover
Classic vs Activ One VIP+
Classic vs Reassure 3.0 Select
Classic vs Medicare Premier
Classic vs Plus Youth
Classic vs Optima Lite
Classic vs ProHealth Prime Protect
Classic vs Supreme Senior Premium
Classic vs myHealth Suraksha Platinum
Classic vs Supreme Senior Super
Classic vs Medicare
Classic vs Ultimate (Direct)
Classic vs Sarvah Param
Classic vs Optima Insurance
Classic vs Smart Super Health Assure
Classic vs Health Guard Platinum
Classic vs Health Guard Gold
Classic vs Extra Care Plus Super Top-up
Classic vs Health Care Supreme Smart
Classic vs Medi Classic Gold
Classic vs Smart Health Pro
Classic vs Optima Super Secure
Classic vs Special Care
Classic vs Medicare LITE
Classic vs Health Shield 360
Classic vs SecureHealth
Classic vs Supreme (Direct)
Classic vs Mediclaim Insurance Policy
Classic vs Young Star Gold
Classic vs Senior
Classic vs myHealth Koti Suraksha
Classic vs myHealth Suraksha Silver
Classic vs Cancer Care Platinum
Classic vs Royal Sundaram Lifeline Elite
Classic vs Supreme Enhance One
Classic vs Supreme Enhance Two
Classic vs Health Companion Variant 2022
Classic vs Elder Care
Classic vs HeartBeat Gold
Classic vs Health SuperCharge
Classic vs iHealth Plus
Classic vs HeartBeat Enhanced
Classic vs ProHealth Prime Advantage
Classic vs Active Fit Preferred
Classic vs Senior Health Advantage
Classic vs Reassure 3.0 Elite
Classic vs Reassure 2.0 Platinum+
Classic vs Health Wallet
Classic vs Heart
Classic vs Elevate
Classic vs Reassure 2.0 Titanium+
Classic vs LifeTime Health
Classic vs ProHealth Prime Active
Classic vs ProHealth Prime Senior Elite
Classic vs Advanced Top Up
Classic vs Multiplier Health
Classic vs Joy Tomorrow
Classic vs Reassure 2.0 Bronze+
Classic vs Star Women Care Policy
Classic vs Young Star Silver
Classic vs Reassure 3.0
Classic vs Joy
Classic vs Supreme Senior Health AdvantEdge
Classic vs Family Plus
Classic vs Criti Shield Plus
Classic vs Health Care Supreme Ultimo
Classic vs Health Shield 360 Retail
Classic vs Supreme Super Saver
Classic vs Super Star
Classic vs Senior First Platinum
Classic vs Optima Secure Global
Classic vs NextGen
Classic vs Health Insurance Platinum
Classic vs Energy Silver With Copay
Chat with PolicyPal
Get a free policy review
No pressure. No product push. Just honest advice.






.png)

