Insurance Plans Comparison
Aditya Birla Active Assure Diamond vs Care Heart
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
Heart
Specialised Cardiac Health Insurance with 2-Year Cardiac PED Waiting Period
What Makes It Special:
Care Heart Health Insurance is a specialized policy designed for people with existing heart conditions or cardiac risks. It provides comprehensive coverage for hospitalization, surgeries, and treatments related to heart ailments, including pre and post-hospitalization expenses. The plan also covers annual health check-ups, ambulance charges, and optional add-ons for enhanced...
Best For:
Focused Protection for Cardiac Patients
Covers Pre and Post Hospitalization
Annual Health Check-Up Included
Lifelong Policy Renewability Option
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
You have a past history of heart disease
You need coverage for cardiac-related hospitalization expenses
You want insurance despite pre-existing heart conditions
You seek affordable premiums for heart-focused care
You prefer lifelong renewability with cardiac protection
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Active Assure Diamond Health Insurance Plan VS VS |
Heart 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 |
Heart Up to ₹3 L sum insured – 1% of Sum Insured per day Above ₹3 L sum insured – Single Private Room |
| 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 |
Heart Up to ₹3 L sum insured – 2% of Sum Insured per day Above ₹3 L sum insured – No Limit |
| Co-payment |
|---|
Active Assure Diamond Not a core feature of this variant — verify availability from policy wordings. |
VS VS |
Heart In-built co-payment: 20% if entry age ≤ 70 years, 30% if entry age > 70 years. |
| Disease-wise sublimits |
|---|
Active Assure Diamond Certain treatments carry sub-limits — for example, domiciliary hospitalisation is capped at 10% of Sum Insured. |
VS VS |
Heart Yes |
| Cashless Healthcare Providers |
|---|
Active Assure Diamond Cashless treatment available at 10,051+ network hospitals across India. |
VS VS |
Heart 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 |
Heart Provides 1 restoration of the base cover upon exhaustion, applicable for unrelated illnesses only |
| 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 |
Heart Your sum insured increases by 10% each policy year as a No-Claim Bonus, up to 50% of the sum insured. The bonus reduces by 10% for every claim paid |
| Daycare Treatment |
|---|
Active Assure Diamond 586 daycare procedures covered, even when hospitalisation is less than 24 hours. |
VS VS |
Heart 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 |
Heart 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 |
Heart 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 |
Heart 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 |
Heart 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 |
Heart 2 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 |
Heart 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 |
Heart Health check-up is available from the first 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 |
Heart 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 |
Heart 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 |
Heart OPD expense is not included |
| Deductible Option |
|---|
Active Assure Diamond Not a core feature of this variant — verify availability from policy wordings. |
VS VS |
Heart Not 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 |
Heart Available coverage options: ₹3L, ₹5L, ₹7L and ₹10L |
| 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 |
Heart 96% |
| Maternity Cover |
|---|
Active Assure Diamond Not available as an in-built benefit in this variant. |
VS VS |
Heart Not available |
Insurance Plans Comparison
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Insurance Plans Comparison
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