Insurance Plans Comparison
HDFC ERGO Optima Secure Plus vs Aditya Birla Active Assure Diamond
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreWhat Makes It Special:
HDFC ERGO Optima Secure+ is a comprehensive health insurance plan offering coverage from ₹10 lakh to ₹2 crore for individuals and families. It provides a Secure Benefit that doubles your coverage from day one, an Infinite Benefit that adds 100% of your base sum insured every year with no upper...
Best For:
Restoration-enabled Secure Health Policy
Coverage with Automatic Sum Boost
Multi-Benefit Medical Protection Plan
Comprehensive Family Health Insurance
VS
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
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
Long-term loyalty rewards and discounts
Annual health check-ups and preventive care
No room-rent or ICU restrictions
Automatic sum insured restoration after claims
Coverage growth with Secure and Infinite Benefits
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
![]() Optima Secure Plus Health Insurance Plan VS VS |
Active Assure Diamond Health Insurance Plan |
| Room Rent |
|---|
Optima Secure Plus Normal: Room Rent at Actuals ICU: Covered at Actuals |
VS 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 |
|---|
Optima Secure Plus No restriction on ICU room rent. |
VS VS |
Active Assure Diamond Covered up to the Sum Insured. No separate capping applies on ICU charges when room rent is unrestricted. |
| Advanced Treatments |
|---|
Optima Secure Plus Covered all Advanced/Modern treatments |
VS VS |
Active Assure Diamond Information Unavailable |
| Disease-wise sublimits |
|---|
Optima Secure Plus No |
VS VS |
Active Assure Diamond Certain treatments carry sub-limits — for example, domiciliary hospitalisation is capped at 10% of Sum Insured. |
| Co-payment |
|---|
Optima Secure Plus No Mandatory Co-payment |
VS VS |
Active Assure Diamond Not a core feature of this variant — verify availability from policy wordings. |
| Restoration Benefit |
|---|
Optima Secure Plus Yes — Automatic Restore Benefit: 100% of the Base Sum Insured is restored every time it is claimed (partially or fully), unlimited times in a policy year, for both related and unrelated illnesses. |
VS VS |
Active Assure Diamond Reload of Sum Insured up to 150%, max up to ₹50 lakh, when the Sum Insured gets exhausted. |
| Cashless Healthcare Providers |
|---|
Optima Secure Plus 16000+ Healthcare Providers |
VS VS |
Active Assure Diamond Cashless treatment available at 10,051+ network hospitals across India. |
| Cumulative Bonus |
|---|
Optima Secure Plus Yes — Infinite Benefit: 100% of the Base Sum Insured is added at no extra cost after every policy year, irrespective of claims made, with no maximum cap (continues infinitely). |
VS 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 |
|---|
Optima Secure Plus Covered up to Sum Insured |
VS VS |
Active Assure Diamond 586 daycare procedures covered, even when hospitalisation is less than 24 hours. |
| AYUSH Treatment |
|---|
Optima Secure Plus Covered up to SI under hospitalisation benefit. |
VS VS |
Active Assure Diamond Covered — in-patient hospitalisation at AYUSH hospitals is covered subject to policy terms. |
| Consumable Cover |
|---|
Optima Secure Plus Yes — Protect Benefit covers listed non-medical expenses during hospitalisation with zero deductions. |
VS 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. |
| Initial Waiting Period |
|---|
Optima Secure Plus 30 Days |
VS 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 |
|---|
Optima Secure Plus 2 years |
VS 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 |
|---|
Optima Secure Plus 3 years |
VS 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 |
|---|
Optima Secure Plus Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period. |
VS 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 |
|---|
Optima Secure Plus Health check-up is available after the first policy year |
VS 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 |
|---|
Optima Secure Plus You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved. |
VS VS |
Active Assure Diamond Pre-hospitalisation medical expenses covered up to the Sum Insured for 30 days prior to hospitalisation. |
| Post-Hospitalisation |
|---|
Optima Secure Plus You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it. |
VS VS |
Active Assure Diamond Post-hospitalisation medical expenses covered up to the Sum Insured for 60 days following discharge. |
| Outpatient Department Cover (OPD Expense) |
|---|
Optima Secure Plus Not included as part of base cover. Available via the Optima Wellbeing Add-on, which covers various outpatient benefits. |
VS VS |
Active Assure Diamond Not available as in-built OPD cover in this variant. |
| Deductible Option |
|---|
Optima Secure Plus Available as an option. |
VS VS |
Active Assure Diamond Not a core feature of this variant — verify availability from policy wordings. |
| Coverage Options |
|---|
Optima Secure Plus Available Base Sum Insured options: ₹10L / ₹15L / ₹20L / ₹25L / ₹50L / ₹1 Cr / ₹2 Cr |
VS 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 |
|---|
Optima Secure Plus Information Unavailable |
VS 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 |
|---|
Optima Secure Plus No. However, available as an add-on |
VS VS |
Active Assure Diamond Not available as an in-built benefit in this variant. |
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?
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
Secure against age-related medical costs
Tailored for seniors healthcare needs
Most Popular
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
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.
Explore Our Most Popular Plans
Compare With Other Health Insurance Plans
Optima Secure Plus vs Optima Secure
Optima Secure Plus vs Cancer Cover Activ Cancer Secure Plan
Optima Secure Plus vs Women Care
Optima Secure Plus vs Activate Booster Plan A
Optima Secure Plus vs Active Care Premier
Optima Secure Plus vs ProHealth Accumulate
Optima Secure Plus vs Supreme Shine
Optima Secure Plus vs Optima Secure Global Plus
Optima Secure Plus vs myHealth Suraksha Gold
Optima Secure Plus vs LifeTime Health Global
Optima Secure Plus vs Active Fit Plus
Optima Secure Plus vs Activ Health Platinum Essential
Optima Secure Plus vs Medicare Plus
Optima Secure Plus vs Medicare Senior
Optima Secure Plus vs Medicare Protect
Optima Secure Plus vs Activ One SAVR
Optima Secure Plus vs Active Assure Diamond
Optima Secure Plus vs Activ One VIP
Optima Secure Plus vs Advantage
Optima Secure Plus vs Assure
Optima Secure Plus vs Activ One Max
Optima Secure Plus vs Classic
Optima Secure Plus vs Activ One Vytl
Optima Secure Plus vs Supreme
Optima Secure Plus vs Freedom
Optima Secure Plus vs Joy Today
Optima Secure Plus vs Medi Classic
Optima Secure Plus vs Activate Booster Plan B
Optima Secure Plus vs Health Recharge Super Top Up Plan
Optima Secure Plus vs Plus Complete
Optima Secure Plus vs EquiCover
Optima Secure Plus vs Activ One VIP+
Optima Secure Plus vs Reassure 3.0 Select
Optima Secure Plus vs Medicare Premier
Optima Secure Plus vs Plus Youth
Optima Secure Plus vs Optima Lite
Optima Secure Plus vs ProHealth Prime Protect
Optima Secure Plus vs Supreme Senior Premium
Optima Secure Plus vs myHealth Suraksha Platinum
Optima Secure Plus vs Supreme Senior Super
Optima Secure Plus vs Medicare
Optima Secure Plus vs Ultimate (Direct)
Optima Secure Plus vs Sarvah Param
Optima Secure Plus vs Optima Insurance
Optima Secure Plus vs Smart Super Health Assure
Optima Secure Plus vs Health Guard Platinum
Optima Secure Plus vs Health Guard Gold
Optima Secure Plus vs Extra Care Plus Super Top-up
Optima Secure Plus vs Health Care Supreme Smart
Optima Secure Plus vs Smart Health Pro
Optima Secure Plus vs Medi Classic Gold
Optima Secure Plus vs Optima Super Secure
Optima Secure Plus vs Special Care
Optima Secure Plus vs Medicare LITE
Optima Secure Plus vs Health Shield 360
Optima Secure Plus vs SecureHealth
Optima Secure Plus vs Supreme (Direct)
Optima Secure Plus vs Mediclaim Insurance Policy
Optima Secure Plus vs Young Star Gold
Optima Secure Plus vs myHealth Koti Suraksha
Optima Secure Plus vs Senior
Optima Secure Plus vs myHealth Suraksha Silver
Optima Secure Plus vs Cancer Care Platinum
Optima Secure Plus vs Royal Sundaram Lifeline Elite
Optima Secure Plus vs Supreme Enhance One
Optima Secure Plus vs Supreme Enhance Two
Optima Secure Plus vs Health Companion Variant 2022
Optima Secure Plus vs Elder Care
Optima Secure Plus vs HeartBeat Gold
Optima Secure Plus vs Health SuperCharge
Optima Secure Plus vs iHealth Plus
Optima Secure Plus vs HeartBeat Enhanced
Optima Secure Plus vs ProHealth Prime Advantage
Optima Secure Plus vs Active Fit Preferred
Optima Secure Plus vs Senior Health Advantage
Optima Secure Plus vs Reassure 3.0 Elite
Optima Secure Plus vs Reassure 2.0 Platinum+
Optima Secure Plus vs Health Wallet
Optima Secure Plus vs Elevate
Optima Secure Plus vs Heart
Optima Secure Plus vs Reassure 2.0 Titanium+
Optima Secure Plus vs LifeTime Health
Optima Secure Plus vs ProHealth Prime Active
Optima Secure Plus vs ProHealth Prime Senior Elite
Optima Secure Plus vs Advanced Top Up
Optima Secure Plus vs Multiplier Health
Optima Secure Plus vs Joy Tomorrow
Optima Secure Plus vs Reassure 2.0 Bronze+
Optima Secure Plus vs Star Women Care Policy
Optima Secure Plus vs Young Star Silver
Optima Secure Plus vs Reassure 3.0
Optima Secure Plus vs Joy
Optima Secure Plus vs Supreme Senior Health AdvantEdge
Optima Secure Plus vs Family Plus
Optima Secure Plus vs Criti Shield Plus
Optima Secure Plus vs Health Care Supreme Ultimo
Optima Secure Plus vs Health Shield 360 Retail
Optima Secure Plus vs Supreme Super Saver
Optima Secure Plus vs Super Star
Optima Secure Plus vs Senior First Platinum
Optima Secure Plus vs Optima Secure Global
Optima Secure Plus vs NextGen
Optima Secure Plus vs Health Insurance Platinum
Optima Secure Plus vs Energy Silver With Copay
Active Assure Diamond vs Optima Secure
Active Assure Diamond vs Optima Secure Plus
Active Assure Diamond vs Cancer Cover Activ Cancer Secure Plan
Active Assure Diamond vs Women Care
Active Assure Diamond vs Activate Booster Plan A
Active Assure Diamond vs Active Care Premier
Active Assure Diamond vs ProHealth Accumulate
Active Assure Diamond vs Supreme Shine
Active Assure Diamond vs Optima Secure Global Plus
Active Assure Diamond vs myHealth Suraksha Gold
Active Assure Diamond vs LifeTime Health Global
Active Assure Diamond vs Active Fit Plus
Active Assure Diamond vs Activ Health Platinum Essential
Active Assure Diamond vs Medicare Plus
Active Assure Diamond vs Medicare Senior
Active Assure Diamond vs Medicare Protect
Active Assure Diamond vs Activ One SAVR
Active Assure Diamond vs Activ One VIP
Active Assure Diamond vs Advantage
Active Assure Diamond vs Assure
Active Assure Diamond vs Activ One Max
Active Assure Diamond vs Classic
Active Assure Diamond vs Activ One Vytl
Active Assure Diamond vs Supreme
Active Assure Diamond vs Freedom
Active Assure Diamond vs Joy Today
Active Assure Diamond vs Medi Classic
Active Assure Diamond vs Activate Booster Plan B
Active Assure Diamond vs Health Recharge Super Top Up Plan
Active Assure Diamond vs Plus Complete
Active Assure Diamond vs EquiCover
Active Assure Diamond vs Activ One VIP+
Active Assure Diamond vs Reassure 3.0 Select
Active Assure Diamond vs Medicare Premier
Active Assure Diamond vs Plus Youth
Active Assure Diamond vs Optima Lite
Active Assure Diamond vs ProHealth Prime Protect
Active Assure Diamond vs Supreme Senior Premium
Active Assure Diamond vs myHealth Suraksha Platinum
Active Assure Diamond vs Supreme Senior Super
Active Assure Diamond vs Medicare
Active Assure Diamond vs Ultimate (Direct)
Active Assure Diamond vs Sarvah Param
Active Assure Diamond vs Optima Insurance
Active Assure Diamond vs Smart Super Health Assure
Active Assure Diamond vs Health Guard Platinum
Active Assure Diamond vs Health Guard Gold
Active Assure Diamond vs Extra Care Plus Super Top-up
Active Assure Diamond vs Health Care Supreme Smart
Active Assure Diamond vs Smart Health Pro
Active Assure Diamond vs Medi Classic Gold
Active Assure Diamond vs Optima Super Secure
Active Assure Diamond vs Special Care
Active Assure Diamond vs Medicare LITE
Active Assure Diamond vs Health Shield 360
Active Assure Diamond vs SecureHealth
Active Assure Diamond vs Supreme (Direct)
Active Assure Diamond vs Mediclaim Insurance Policy
Active Assure Diamond vs Young Star Gold
Active Assure Diamond vs myHealth Koti Suraksha
Active Assure Diamond vs Senior
Active Assure Diamond vs myHealth Suraksha Silver
Active Assure Diamond vs Cancer Care Platinum
Active Assure Diamond vs Royal Sundaram Lifeline Elite
Active Assure Diamond vs Supreme Enhance One
Active Assure Diamond vs Supreme Enhance Two
Active Assure Diamond vs Health Companion Variant 2022
Active Assure Diamond vs Elder Care
Active Assure Diamond vs HeartBeat Gold
Active Assure Diamond vs Health SuperCharge
Active Assure Diamond vs iHealth Plus
Active Assure Diamond vs HeartBeat Enhanced
Active Assure Diamond vs ProHealth Prime Advantage
Active Assure Diamond vs Active Fit Preferred
Active Assure Diamond vs Senior Health Advantage
Active Assure Diamond vs Reassure 3.0 Elite
Active Assure Diamond vs Reassure 2.0 Platinum+
Active Assure Diamond vs Health Wallet
Active Assure Diamond vs Elevate
Active Assure Diamond vs Heart
Active Assure Diamond vs Reassure 2.0 Titanium+
Active Assure Diamond vs LifeTime Health
Active Assure Diamond vs ProHealth Prime Active
Active Assure Diamond vs ProHealth Prime Senior Elite
Active Assure Diamond vs Advanced Top Up
Active Assure Diamond vs Multiplier Health
Active Assure Diamond vs Joy Tomorrow
Active Assure Diamond vs Reassure 2.0 Bronze+
Active Assure Diamond vs Star Women Care Policy
Active Assure Diamond vs Young Star Silver
Active Assure Diamond vs Reassure 3.0
Active Assure Diamond vs Joy
Active Assure Diamond vs Supreme Senior Health AdvantEdge
Active Assure Diamond vs Family Plus
Active Assure Diamond vs Criti Shield Plus
Active Assure Diamond vs Health Care Supreme Ultimo
Active Assure Diamond vs Health Shield 360 Retail
Active Assure Diamond vs Supreme Super Saver
Active Assure Diamond vs Super Star
Active Assure Diamond vs Senior First Platinum
Active Assure Diamond vs Optima Secure Global
Active Assure Diamond vs NextGen
Active Assure Diamond vs Health Insurance Platinum
Active Assure Diamond vs Energy Silver With Copay
Chat with PolicyPal
Get a free policy review
No pressure. No product push. Just honest advice.






.png)

