Insurance Plans Comparison
Niva Bupa Health Companion Variant 3 vs Aditya Birla Active Assure Diamond
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreHealth Companion Variant 3
High-cover family health insurance from ₹15 Lakh to ₹1 Crore with any room (except suite), 20% No Claim Bonus and a yearly refill.
What Makes It Special:
A high Sum Insured version of Health Companion (₹15 Lakh to ₹1 Crore) with near-any-room eligibility, a 100% refill and the highest animal-bite vaccination and Hospital Cash limits among Variants 1 to 3.
Best For:
Existing Health Companion customers renewing on the Variant 3 structure
People wanting an optional deductible to reduce premium
Buyers who want a No Claim Bonus of 20% per claim-free year
People who want to choose almost any hospital room
Families wanting a high Sum Insured of ₹15 Lakh or more
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
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Quick Decision Guide
Things to Consider: Non-payable consumables in Annexure I are not covered, and no consumables add-on is listed for this variant.
Things to Consider: Maternity and OPD consultations are not covered.
Things to Consider: Refill cannot be used for the same illness in the same year.
Things to Consider: Pre-existing diseases are covered only after 36 months.
Things to Consider: Pre and post hospitalisation is limited to 30 and 60 days.
Reasons to Consider: Annual health check-up from the second year and animal-bite vaccination up to ₹7,500.
Reasons to Consider: 100% refill of Base Sum Insured once a year for a different illness.
Reasons to Consider: 20% No Claim Bonus per claim-free year, up to 100% of Base Sum Insured.
Reasons to Consider: Any room covered up to Sum Insured, except Suite or above.
Reasons to Consider: High Sum Insured options from ₹15 Lakh to ₹1 Crore.
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
Health Companion Variant 3 Health Insurance Plan VS VS |
Active Assure Diamond Health Insurance Plan |
| Room Rent |
|---|
Health Companion Variant 3 Covered up to Sum Insured, any room except Suite or above; proportionate deduction if a higher category is used |
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 |
|---|
Health Companion Variant 3 Covered up to Sum Insured as part of In-patient Care |
VS VS |
Active Assure Diamond Covered up to the Sum Insured. No separate capping applies on ICU charges when room rent is unrestricted. |
| Co-payment |
|---|
Health Companion Variant 3 No co-payment in base plan; 20% co-payment applies only under the legacy "Treatment only in Tiered Network" option (renewal customers who already chose it) for reimbursement treatment in 9 metro cities |
VS VS |
Active Assure Diamond Not a core feature of this variant — verify availability from policy wordings. |
| Disease-wise sublimits |
|---|
Health Companion Variant 3 No disease-wise sublimits stated; benefit limits apply to road ambulance (₹3,000), animal-bite vaccination (₹7,500) and Hospital Cash |
VS VS |
Active Assure Diamond Certain treatments carry sub-limits — for example, domiciliary hospitalisation is capped at 10% of Sum Insured. |
| Cashless Healthcare Providers |
|---|
Health Companion Variant 3 Cashless at Niva Bupa network hospitals (10,000+ per Niva Bupa Annual Report FY 2024-25; Requires verification for current count) |
VS VS |
Active Assure Diamond Cashless treatment available at 10,051+ network hospitals across India. |
| Restoration Benefit |
|---|
Health Companion Variant 3 Refill up to 100% of Base Sum Insured, once per policy year, for subsequent claims of a different illness only (after Base SI and NCB are exhausted) |
VS VS |
Active Assure Diamond Reload of Sum Insured up to 150%, max up to ₹50 lakh, when the Sum Insured gets exhausted. |
| Cumulative Bonus |
|---|
Health Companion Variant 3 No Claim Bonus of 20% of expiring Base Sum Insured per claim-free year, up to 100%; NCB is not increased in a year following a claim |
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 |
|---|
Health Companion Variant 3 Day care treatments (less than 24 hours) covered up to Sum Insured, incl. chemotherapy, radiotherapy and dialysis |
VS VS |
Active Assure Diamond 586 daycare procedures covered, even when hospitalisation is less than 24 hours. |
| Consumable Cover |
|---|
Health Companion Variant 3 Consumables directly part of treatment (IV fluids, injection administration, medicines) covered under In-patient Care; non-payable items in Annexure I List I not covered; no consumables add-on stated for Variant 3 |
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. |
| AYUSH Treatment |
|---|
Health Companion Variant 3 In-patient Ayurveda, Unani, Siddha and Homeopathy in an AYUSH Hospital covered up to Sum Insured |
VS VS |
Active Assure Diamond Covered — in-patient hospitalisation at AYUSH hospitals is covered subject to policy terms. |
| Initial Waiting Period |
|---|
Health Companion Variant 3 30 Days (not applicable to accidents) |
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 |
|---|
Health Companion Variant 3 24 Months for listed conditions (incl. cataract, hernia, joint disorders, chronic kidney disease, internal congenital anomaly); not applicable to accidents; cancer covered after 30 days |
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 |
|---|
Health Companion Variant 3 36 Months |
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 |
|---|
Health Companion Variant 3 Covered up to Sum Insured (12 listed treatments incl. robotic surgery, oral chemotherapy, deep brain stimulation, stem cell therapy for haematological conditions) |
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 |
|---|
Health Companion Variant 3 Annual, from 2nd policy year (on renewal), for insured aged 18+; cashless at empanelled providers; defined test list (CBC, urine, ESR, HbA1c, cholesterol, HDL, LDL, urea, KFT) |
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 |
|---|
Health Companion Variant 3 Up to 30 Days, covered up to Sum Insured (reimbursement basis) |
VS VS |
Active Assure Diamond Pre-hospitalisation medical expenses covered up to the Sum Insured for 30 days prior to hospitalisation. |
| Post-Hospitalisation |
|---|
Health Companion Variant 3 Up to 60 Days, covered up to Sum Insured (reimbursement basis) |
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) |
|---|
Health Companion Variant 3 Not covered; only OPD vaccination after an animal bite, up to ₹7,500 |
VS VS |
Active Assure Diamond Not available as in-built OPD cover in this variant. |
| Deductible Option |
|---|
Health Companion Variant 3 Optional Annual Aggregate Deductible of ₹1 / 2 / 3 / 4 / 5 / 10 Lakh |
VS VS |
Active Assure Diamond Not a core feature of this variant — verify availability from policy wordings. |
| Coverage Options |
|---|
Health Companion Variant 3 Base Sum Insured ₹15 Lakh, 20 Lakh, 30 Lakh, 50 Lakh, 1 Crore; Individual or Family Floater |
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 |
|---|
Health Companion Variant 3 96.7% of claims settled (by number) for Health Companion in FY 2025-26 (all Health Companion UINs reported together). Source: Niva Bupa Public Disclosures FY2025-26 (Form NL-47), https://transactions.nivabupa.com/pages/doc/pub-dis/quarterly-reports/Website-Public-Disclosures-Mar-2026.pdf. Company-level: 94.4% (Niva Bupa Annual Report FY 2025-26) |
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 |
|---|
Health Companion Variant 3 Not covered (Maternity excluded, Code Excl18) |
VS VS |
Active Assure Diamond Not available as an in-built benefit in this variant. |
Insurance Plans Comparison
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