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Insurance Plans Comparison

Aditya Birla Active Assure Diamond vs Care Supreme

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

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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

Supreme

Comprehensive Health Plan with Unlimited Restoration and Zero Room Rent Limits.

What Makes It Special:

Care Supreme by Care Health Insurance is a comprehensive health plan designed for individuals and families, offering sum insured options from ₹3 lakh to ₹1 crore. It covers in-patient hospitalization, AYUSH treatments, day-care procedures, domiciliary care, and organ donor expenses with no sub-limits. Key highlights include the “Cumulative Bonus Super,”...

Best For:

  • Family-Focused Comprehensive Plan

  • High-Bonus Health Coverage

  • Wellness and Fitness Rewards

  • Customizable All-Round Protection

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 want a high bonus for claim-free years

  • Has OPD benefits which can be opted at a minimal premium

  • You prefer no sub-limits on key expenses

  • Wellness rewards and fitness discounts motivate you

  • You need add-ons like mental health coverage

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
Supreme
Supreme

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

Supreme

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

Supreme

No restriction on ICU room rent

Co-payment

Active Assure Diamond

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

VS

Supreme

Not available

Disease-wise sublimits

Active Assure Diamond

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

VS

Supreme

No 

Cashless Healthcare Providers

Active Assure Diamond

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

VS

Supreme

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

Supreme

Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses

(per claim in a policy year for related/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

Supreme

Your sum insured increases by 50% every year maximum upto 100%. However, you can pay an additional premium to increase sum insured up to 500%

(Option to boost coverage by 5x annually)

Daycare Treatment

Active Assure Diamond

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

VS

Supreme

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to 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

Supreme

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

Supreme

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

Supreme

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

Supreme

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

Supreme

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

Supreme

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

Supreme

Health checkup is not included as part of base cover. However, available as an add-on

Pre-Hospitalisation

Active Assure Diamond

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

VS

Supreme

You get cover for medical tests and doctor visits up to 60 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

Supreme

You get cover for medical bills up to 180 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

Supreme

OPD expense is not included as part of base cover. However, available as an add-on

Deductible Option

Active Assure Diamond

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

VS

Supreme

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

Supreme

Available coverage options: ₹5L, ₹7L, ₹10L, ₹15L, ₹25L, ₹50L and ₹1 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

Supreme

96%

Maternity Cover

Active Assure Diamond

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

VS

Supreme

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

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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

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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)

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