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Insurance Plans Comparison

Care Supreme Shine vs Aditya Birla Active Assure Diamond

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

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Care

Supreme Shine

Comprehensive health insurance with unlimited recharge, wellness benefits and broad hospitalisation cover.

What Makes It Special:

Care Supreme Shine is a comprehensive health insurance plan covering hospitalisation, modern treatments, AYUSH care, domiciliary treatment, ambulance services, e-consultations, wellness benefits and unlimited automatic recharge.

Best For:

  • People who want unlimited e-consultations with general physicians

  • Customers wanting AYUSH and domiciliary treatment cover

  • People looking for wellness-linked renewal discounts

  • Customers wanting unlimited automatic recharge

  • Families looking for comprehensive health coverage

VS
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

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

Care Supreme Shine

  • Check the waiting periods and optional benefits before buying the plan.

  • Wellness benefits can provide up to 30% renewal discount.

  • Unlimited e-consultations with general physicians are included.

  • The plan covers modern treatments, AYUSH treatment and domiciliary hospitalisation.

  • Consider this plan if you want unlimited automatic recharge during the policy year.

Aditya Birla Active Assure Diamond

  • 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

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Supreme Shine
Supreme Shine

Health Insurance Plan

Brochure

Policy Wording

VS
Active Assure Diamond
Active Assure Diamond

Health Insurance Plan

Brochure

Room Rent

Supreme Shine

Single room covered up to the available Sum Insured

VS

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

ICU Charges

Supreme Shine

Covered up to Sum Insured

VS

Active Assure Diamond

Covered up to the Sum Insured.

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

Co-payment

Supreme Shine

20% co-payment applies when the optional co-payment benefit is selected

VS

Active Assure Diamond

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

Disease-wise sublimits

Supreme Shine

Specific disease-wise sub-limits are not mentioned in the available plan details

VS

Active Assure Diamond

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

Cashless Healthcare Providers

Supreme Shine

Cashless treatment available through the insurer's network hospitals

VS

Active Assure Diamond

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

Restoration Benefit

Supreme Shine

Unlimited automatic recharge restores the base Sum Insured during the policy year

VS

Active Assure Diamond

Reload of Sum Insured up to 150%, max up to ₹50 lakh, when the Sum Insured gets exhausted.

Cumulative Bonus

Supreme Shine

Cumulative Bonus up to 100% of Sum Insured

VS

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.

Daycare Treatment

Supreme Shine

All eligible daycare procedures are covered under the plan

VS

Active Assure Diamond

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

Consumable Cover

Supreme Shine

Consumables covered through optional Care Shield add-on

VS

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.

AYUSH Treatment

Supreme Shine

Eligible AYUSH treatment expenses covered up to the available Sum Insured

VS

Active Assure Diamond

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

Initial Waiting Period

Supreme Shine

30-day waiting period, except for accident-related claims

VS

Active Assure Diamond

30 days from policy inception for general illnesses(verify from policy wordings).

Accidental hospitalisation is covered from day 1.

Specific Waiting Period

Supreme Shine

24-month waiting period for specified ailments and procedures

VS

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.

PED Waiting Period

Supreme Shine

36-month waiting period for pre-existing diseases, subject to policy terms

VS

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.

Modern Treatment

Supreme Shine

Covered up to Sum Insured


VS

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.

Annual Health Checkup

Supreme Shine

Annual health check-up available through the insurer's network on a cashless basis

VS

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.

Pre-Hospitalisation

Supreme Shine

Pre-hospitalisation expenses covered for up to 60 days before hospitalisation

VS

Active Assure Diamond

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

Post-Hospitalisation

Supreme Shine

Post-hospitalisation expenses covered for up to 180 days after discharge

VS

Active Assure Diamond

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

Outpatient Department Cover (OPD Expense)

Supreme Shine

Unlimited e-consultations included, with physical OPD available through optional rider

VS

Active Assure Diamond

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

Deductible Option

Supreme Shine

Optional deductible benefit available, subject to the policy schedule and applicable terms

VS

Active Assure Diamond

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

Coverage Options

Supreme Shine

Sum Insured options from ₹5 lakh to ₹1 crore, including higher coverage choices

VS

Active Assure Diamond

Sum Insured options from ₹2 lakh up to ₹2 crore, with flexible choices based on budget and family needs.

Claim Settlement Ratio

Supreme Shine

Claim Settlement Ratio is not mentioned in the available plan details

VS

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.

Maternity Cover

Supreme Shine

Maternity expenses are not listed as a base plan benefit

VS

Active Assure Diamond

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

Insurance Plans Comparison

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

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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

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

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