Insurance Plans Comparison
Aditya Birla Active Assure Diamond vs Royal Sundaram Family Plus
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
Family Plus
Family Plus
What Makes It Special:
Family Plus 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 |
![]() Family Plus 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 |
Family Plus Normal: No Room Rent Capping ICU: Covered up to Sum Insured |
| 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 |
Family Plus Information Unavailable |
| Advanced Treatments |
|---|
Active Assure Diamond Information Unavailable |
VS VS |
Family Plus Not mentioned |
| Co-payment |
|---|
Active Assure Diamond Not a core feature of this variant — verify availability from policy wordings. |
VS VS |
Family Plus Not mentioned |
| Disease-wise sublimits |
|---|
Active Assure Diamond Certain treatments carry sub-limits — for example, domiciliary hospitalisation is capped at 10% of Sum Insured. |
VS VS |
Family Plus Information Unavailable |
| Waiting Period |
|---|
Active Assure Diamond Information Unavailable |
VS VS |
Family Plus Initial Waiting Period: 30 Days Pre-existing Disease Waiting Period: 36 Months Specific Disease/Procedure Waiting Period: 24 Months (16 specified diseases/conditions) Maternity Waiting Period: 24 Months |
| Cashless Healthcare Providers |
|---|
Active Assure Diamond Cashless treatment available at 10,051+ network hospitals across India. |
VS VS |
Family Plus 7,000+ Network Hospitals |
| 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 |
Family Plus 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 |
Family Plus Information Unavailable |
| Daycare Treatment |
|---|
Active Assure Diamond 586 daycare procedures covered, even when hospitalisation is less than 24 hours. |
VS VS |
Family Plus Covered up to 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 VS |
Family Plus Information Unavailable |
| AYUSH Treatment |
|---|
Active Assure Diamond Covered — in-patient hospitalisation at AYUSH hospitals is covered subject to policy terms. |
VS VS |
Family Plus Covered |
| 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 |
Family Plus 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 |
Family Plus 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 |
Family Plus 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 |
Family Plus 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 |
Family Plus 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 |
Family Plus Information Unavailable |
| Post-Hospitalisation |
|---|
Active Assure Diamond Post-hospitalisation medical expenses covered up to the Sum Insured for 60 days following discharge. |
VS VS |
Family Plus Information Unavailable |
| Outpatient Department Cover (OPD Expense) |
|---|
Active Assure Diamond Not available as in-built OPD cover in this variant. |
VS VS |
Family Plus Information Unavailable |
| Deductible Option |
|---|
Active Assure Diamond Not a core feature of this variant — verify availability from policy wordings. |
VS VS |
Family Plus 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 |
Family Plus 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 |
Family Plus Information Unavailable |
| Maternity Cover |
|---|
Active Assure Diamond Not available as an in-built benefit in this variant. |
VS VS |
Family Plus Information Unavailable |
Insurance Plans Comparison
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Insurance Plans Comparison
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