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Insurance Plans Comparison

Niva Bupa Aspire Gold+ vs Aditya Birla Active Assure Diamond

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

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Niva Bupa

Aspire Gold+

Get health insurance with Booster+ benefits, unlimited ReAssure Forever protection, maternity-related M-iracle benefits and flexible optional covers for your healthcare needs.

What Makes It Special:

Niva Bupa Aspire Gold+ is a health insurance variant designed to provide hospitalisation protection alongside benefits that help preserve and extend coverage over time. It includes eligible inpatient and day-care treatment, modern treatments, AYUSH, pre- and post-hospitalisation expenses, home care, organ donor expenses and cashless annual health check-ups. ReAssure Forever...

Best For:

  • Customisable coverage: For people who want to consider optional benefits such as Claim Safeguard+, Cash-Bag, Borderless or Hospital Daily Cash.

  • Everyday healthcare support: For buyers interested in optional WellConsult OPD services, including consultations, diagnostics and pharmacy benefits.

  • Maternity-related planning: For those who want the M-iracle benefit and can plan around its 48-month waiting period.

  • Growing unused cover: For customers who want unused base sum insured carried forward through Booster+, within Gold+'s applicable limits.

  • Long-term health protection: For buyers seeking hospitalisation cover with ReAssure Forever after the first paid claim.

VS
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

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

  • Evaluate optional benefits: Compare the extra premium and conditions for WellConsult OPD, Cash-Bag, Safeguard+, Borderless and other available options.

  • Plan maternity benefits early: M-iracle has a 48-month waiting period under Gold+, so review eligibility and benefit limits before purchasing.

  • Review waiting periods: The brochure lists a 30-day initial waiting period. Confirm the applicable pre-existing disease and specific disease waiting periods in your policy schedule.

  • Understand Booster+: For Gold+, unused base sum insured carries forward up to 3X for entry ages 18–35, 2X for ages 36–45 and 1X for ages 46 and above.

  • Select your base sum insured: Choose from ₹3 lakh to ₹1 crore based on your healthcare needs and budget.

  • 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

Aspire Gold+
Aspire Gold+

Health Insurance Plan

VS
Active Assure Diamond
Active Assure Diamond

Health Insurance Plan

Brochure

Room Rent

Aspire Gold+

All room categories are covered

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

Aspire Gold+

No restriction on ICU room rent

VS

Active Assure Diamond

Covered up to the Sum Insured.

No separate capping applies on ICU charges when room rent is unrestricted.

Co-payment

Aspire Gold+

Not available

VS

Active Assure Diamond

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

Disease-wise sublimits

Aspire Gold+

No

VS

Active Assure Diamond

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

Cashless Healthcare Providers

Aspire Gold+

10,000+ Healthcare Providers

VS

Active Assure Diamond

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

Restoration Benefit

Aspire Gold+

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

VS

Active Assure Diamond

Reload of Sum Insured up to 150%, max up to ₹50 lakh, when the Sum Insured gets exhausted.

Daycare Treatment

Aspire Gold+

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

VS

Active Assure Diamond

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

Cumulative Bonus

Aspire Gold+

Unutilised sum insured can be carried forward up to 3X (entry age 18–35 yrs), 2X (entry age 36–45 yrs), and 1X (entry age 46+ yrs)

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.

Consumable Cover

Aspire Gold+

No. However, available as an add-on

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

Aspire Gold+

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

VS

Active Assure Diamond

Covered — in-patient hospitalisation at AYUSH hospitals is covered subject to policy terms.

Initial Waiting Period

Aspire Gold+

30 days

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

Aspire Gold+

2 years
 

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

Aspire Gold+

3 years
 

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

Aspire Gold+

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

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

Aspire Gold+

Health check-up is available once every policy year, from day 1 of the policy

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

Aspire Gold+

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

VS

Active Assure Diamond

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

Post-Hospitalisation

Aspire Gold+

You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it

VS

Active Assure Diamond

Post-hospitalisation medical expenses covered up to the Sum Insured for 60 days following discharge.

Outpatient Department Cover (OPD Expense)

Aspire Gold+

OPD expense is not included

VS

Active Assure Diamond

Not available as in-built OPD cover in this variant.

Deductible Option

Aspire Gold+

Available as optional feature.

VS

Active Assure Diamond

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

Coverage Options

Aspire Gold+

Available coverage options: 3L, 5L, 7.5L, 10L, 15L, 20L, 25L, 50L, 1cr

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

Aspire Gold+

92.02%

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

Aspire Gold+

Available (specific terms apply).

VS

Active Assure Diamond

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

Insurance Plans Comparison

Still Confused? Get Expert Advice

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Why Choose Our Expert Consultation?

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Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

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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

Insurance Plans Comparison

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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