Partner with us

Insurance Plans Comparison

Aditya Birla Active Assure Diamond vs Care Senior

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

Read more
Aditya Birla

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
Care

Senior

Health Insurance for Senior Citizens 60+ with Lifelong Renewability

What Makes It Special:

Care Senior is tailored specifically for the healthcare requirements of senior citizens aged 60 and above.

Best For:

  • Customers wanting automatic recharge protection

  • Families covering elderly parents

  • Elderly individuals seeking senior-specific health screening benefits

  • Buyers looking for health insurance with no upper entry age cap

  • Senior citizens aged 60 and above

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

  • Senior health screening included

  • Inbuilt 1-time automatic sum insured recharge

  • Includes a mandatory 20% co-payment per claim

  • Pre-existing disease waiting period is 48 months (or 24 months based on option)

  • Entry starts from age 60 with no maximum entry age limit

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Active Assure Diamond
Active Assure Diamond

Health Insurance Plan

Brochure

VS
Senior
Senior

Health Insurance Plan

Brochure

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

Senior

Room rent is covered up to the sum insured, subject to the applicable room-category terms of the plan.

ICU Charges

Active Assure Diamond

Covered up to the Sum Insured.

No separate capping applies on ICU charges when room rent is unrestricted.

VS

Senior

ICU charges are covered up to your sum insured during the policy period.

Co-payment

Active Assure Diamond

Not a core feature of this variant — verify availability from policy wordings.

VS

Senior

20% co-payment is applicable on all claims. An additional 20% co-payment applies for treatment taken outside Smart Select network hospitals.

Disease-wise sublimits

Active Assure Diamond

Certain treatments carry sub-limits — for example, domiciliary hospitalisation is capped at 10% of Sum Insured.

VS

Senior

Yes, sublimits apply to specified diseases and treatments as per the policy terms.

Cashless Healthcare Providers

Active Assure Diamond

Cashless treatment available at 10,051+ network hospitals across India.

VS

Senior

22,100+ cashless 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

Senior

Yes, your sum insured is automatically recharged by an amount equal to the opted sum insured, unlimited times during the policy year, for related or 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

Senior

Your sum insured increases by 10% for every claim-free year, up to a maximum of 50% of the sum insured.

Daycare Treatment

Active Assure Diamond

586 daycare procedures covered, even when hospitalisation is less than 24 hours.

VS

Senior

Covers all eligible Day Care Procedures, including treatments such as cataract, chemotherapy, dialysis and stone removal, up to your 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

Senior

Consumable expenses are not covered under the plan.

AYUSH Treatment

Active Assure Diamond

Covered — in-patient hospitalisation at AYUSH hospitals is covered subject to policy terms.

VS

Senior

Covers AYUSH treatment expenses up to your sum insured, subject to the policy terms and treatment being taken at an AYUSH-certified facility.

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

Senior

30 days for illnesses, except injuries caused by an accident.

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

Senior

2 years for specified named ailments.

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

Senior

3 years for pre-existing diseases.

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

Senior

Modern treatment methods are not covered under the plan.

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

Senior

Annual health check-up is available for all insured members.

Pre-Hospitalisation

Active Assure Diamond

Pre-hospitalisation medical expenses covered up to the Sum Insured for 30 days prior to hospitalisation.

VS

Senior

You get cover for medical expenses up to 60 days before hospitalisation, subject to the main hospitalisation claim being admissible.

Post-Hospitalisation

Active Assure Diamond

Post-hospitalisation medical expenses covered up to the Sum Insured for 60 days following discharge.

VS

Senior

You get cover for medical expenses up to 180 days after discharge from the hospital.

Outpatient Department Cover (OPD Expense)

Active Assure Diamond

Not available as in-built OPD cover in this variant.

VS

Senior

OPD expense is not included.

Deductible Option

Active Assure Diamond

Not a core feature of this variant — verify availability from policy wordings.

VS

Senior

Not available as a standard deductible 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

Senior

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

Senior

96.74% for FY 2024-25.

Maternity Cover

Active Assure Diamond

Not available as an in-built benefit in this variant.

VS

Senior

Not available.

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?

End-to-End Support

End-to-End Support

From choosing the right policy to managing claims, every step is handled for you

Zero Spam. Zero Hassle

Zero Spam. Zero Hassle

Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Free Expert Consultation

Talk to experienced advisors at no cost, and make confident decisions

24/7 Claim Assistance

24/7 Claim Assistance

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

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

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

Most Popular

Family Health Plan

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

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.

1-5 of 10 FAQs

Compare With Other Health Insurance Plans

Policy Pal

Chat with PolicyPal

Get a free policy review

No pressure. No product push. Just honest advice.