Insurance Plans Comparison
Aditya Birla Active Assure Diamond vs HDFC ERGO EquiCover
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
EquiCover
EquiCover
What Makes It Special:
EquiCover focuses on providing essential health coverage at an affordable premium. It's designed for budget-conscious individuals who want reliable coverage.
Best For:
- Not available
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
Not available
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Active Assure Diamond Health Insurance Plan VS VS |
![]() EquiCover 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 |
EquiCover Normal: Up to 1% of Sum Insured per day ICU: Up to 2% of Sum Insured per day |
| 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 |
EquiCover Information Unavailable |
| Advanced Treatments |
|---|
Active Assure Diamond Information Unavailable |
VS VS |
EquiCover Uterine Artery Embolization (UAE) HIFU (High Intensity Focused Ultrasound) Balloon Sinuplasty Deep Brain Stimulation Oral Chemotherapy Immunotherapy (Monoclonal Antibody Injection) Intra Vitreal Injections Robotic Surgeries Stereotactic Radio Surgeries Bronchial Thermoplasty Vaporisation of Prostate IONM (Intra Operative Neuro Monitoring) Hematopoietic Stem Cell Therapy for Bone Marrow Transplant |
| Co-payment |
|---|
Active Assure Diamond Not a core feature of this variant — verify availability from policy wordings. |
VS VS |
EquiCover 20% Co-payment on every admissible claim |
| Disease-wise sublimits |
|---|
Active Assure Diamond Certain treatments carry sub-limits — for example, domiciliary hospitalisation is capped at 10% of Sum Insured. |
VS VS |
EquiCover Information Unavailable |
| Waiting Period |
|---|
Active Assure Diamond Information Unavailable |
VS VS |
EquiCover Initial Waiting Period: 30 Days Pre-existing Disease Waiting Period:
Specific Disease/Procedure Waiting Period: 24 Months |
| Cashless Healthcare Providers |
|---|
Active Assure Diamond Cashless treatment available at 10,051+ network hospitals across India. |
VS VS |
EquiCover Cashless treatment available through network 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 |
EquiCover Information Unavailable |
| 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 |
EquiCover Information Unavailable |
| Daycare Treatment |
|---|
Active Assure Diamond 586 daycare procedures covered, even when hospitalisation is less than 24 hours. |
VS VS |
EquiCover Covered |
| 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 |
EquiCover Information Unavailable |
| AYUSH Treatment |
|---|
Active Assure Diamond Covered — in-patient hospitalisation at AYUSH hospitals is covered subject to policy terms. |
VS VS |
EquiCover Covered up to 100% of Sum Insured |
| 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 |
EquiCover Information Unavailable |
| 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 |
EquiCover Information Unavailable |
| 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 |
EquiCover Information Unavailable |
| 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 |
EquiCover Information Unavailable |
| 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 |
EquiCover Information Unavailable |
| Pre-Hospitalisation |
|---|
Active Assure Diamond Pre-hospitalisation medical expenses covered up to the Sum Insured for 30 days prior to hospitalisation. |
VS VS |
EquiCover Information Unavailable |
| Post-Hospitalisation |
|---|
Active Assure Diamond Post-hospitalisation medical expenses covered up to the Sum Insured for 60 days following discharge. |
VS VS |
EquiCover Information Unavailable |
| Outpatient Department Cover (OPD Expense) |
|---|
Active Assure Diamond Not available as in-built OPD cover in this variant. |
VS VS |
EquiCover Information Unavailable |
| Deductible Option |
|---|
Active Assure Diamond Not a core feature of this variant — verify availability from policy wordings. |
VS VS |
EquiCover Information Unavailable |
| 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 |
EquiCover Information Unavailable |
| 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 |
EquiCover Information Unavailable |
| Maternity Cover |
|---|
Active Assure Diamond Not available as an in-built benefit in this variant. |
VS VS |
EquiCover Information Unavailable |
Insurance Plans Comparison
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