Insurance Plans Comparison
Niva Bupa Health Pulse Classic 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 Pulse Classic
Niva Bupa Health Pulse Classic
What Makes It Special:
A value-focused health plan with Loyalty Additions, a Re-fill benefit and optional add-ons, with a 20% co-payment applying only in specified cities.
Best For:
Customers comfortable with room rent limits on lower Sum Insured options.
Adults aged 18 to 65 years buying a new policy, subject to eligibility.
People who want the option to add Personal Accident or Critical Illness cover.
Buyers who want their cover to grow through annual Loyalty Additions.
First-time buyers looking for straightforward hospitalisation coverage.
Families outside Delhi NCR, Mumbai, Kolkata and Gujarat who want to avoid the plan's city-specific co-payment.
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
The available Sum Insured options for Classic above ₹10 Lakh need confirmation because the prospectus and sales sheet differ.
There is no deductible option.
Maternity and general OPD treatment are not covered.
Pre-existing diseases have a 36-month waiting period.
Listed specified conditions have a 24-month waiting period.
Pre-hospitalisation cover is limited to 30 days and post-hospitalisation cover to 60 days.
For ₹3 Lakh and ₹4 Lakh cover, room rent is limited to 1% of the Base Sum Insured per day and ICU charges to 2% per day.
A 20% co-payment applies to treatment in Delhi NCR, Mumbai including Navi Mumbai and Thane, Kolkata and Gujarat.
Optional Personal Accident, Critical Illness, Hospital Cash and unlimited e-Consultation benefits are available at additional premiums.
Mental illness, HIV/AIDS, domiciliary treatment and modern treatments are covered, with specified sublimits and waiting periods.
A single private room is covered for Sum Insured of ₹5 Lakh and above.
Re-fill of up to 100% of the Base Sum Insured is available for a different illness or injury. Optional Enhanced Re-fill increases it to 150%.
Loyalty Additions add 10% of the Base Sum Insured every policy year, up to 100%.
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 Pulse Classic Health Insurance Plan VS VS |
Active Assure Diamond Health Insurance Plan |
| Room Rent |
|---|
Health Pulse Classic
|
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 |
| Advanced Treatments |
|---|
Health Pulse Classic Including robotic surgeries, stem cell therapy (for specific conditions), and modern procedures like laser treatments and bariatric surgery. |
VS VS |
Active Assure Diamond Information Unavailable |
| ICU Charges |
|---|
Health Pulse Classic Information Unavailable |
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 Pulse Classic A 20% co-payment applies for treatments in Zone 2. Additionally, policyholders can opt for a 10% or 20% co-payment, which does not reduce the sum insured. |
VS VS |
Active Assure Diamond Not a core feature of this variant — verify availability from policy wordings. |
| Disease-wise sublimits |
|---|
Health Pulse Classic Information Unavailable |
VS VS |
Active Assure Diamond Certain treatments carry sub-limits — for example, domiciliary hospitalisation is capped at 10% of Sum Insured. |
| Waiting Period |
|---|
Health Pulse Classic
|
VS VS |
Active Assure Diamond Information Unavailable |
| Cashless Healthcare Providers |
|---|
Health Pulse Classic 10675+ network hospitals in India. |
VS VS |
Active Assure Diamond Cashless treatment available at 10,051+ network hospitals across India. |
| Restoration Benefit |
|---|
Health Pulse Classic Information Unavailable |
VS VS |
Active Assure Diamond Reload of Sum Insured up to 150%, max up to ₹50 lakh, when the Sum Insured gets exhausted. |
| Daycare Treatment |
|---|
Health Pulse Classic Covered by the policy. |
VS VS |
Active Assure Diamond 586 daycare procedures covered, even when hospitalisation is less than 24 hours. |
| Cumulative Bonus |
|---|
Health Pulse Classic Information Unavailable |
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. |
| AYUSH Treatment |
|---|
Health Pulse Classic Covered by the policy. |
VS VS |
Active Assure Diamond Covered — in-patient hospitalisation at AYUSH hospitals is covered subject to policy terms. |
| Consumable Cover |
|---|
Health Pulse Classic Information Unavailable |
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 |
|---|
Health Pulse Classic Information Unavailable |
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 Pulse Classic Information Unavailable |
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 Pulse Classic Information Unavailable |
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 Pulse Classic Information Unavailable |
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 Pulse Classic Information Unavailable |
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 Pulse Classic Information Unavailable |
VS VS |
Active Assure Diamond Pre-hospitalisation medical expenses covered up to the Sum Insured for 30 days prior to hospitalisation. |
| Post-Hospitalisation |
|---|
Health Pulse Classic Information Unavailable |
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 Pulse Classic Information Unavailable |
VS VS |
Active Assure Diamond Not available as in-built OPD cover in this variant. |
| Deductible Option |
|---|
Health Pulse Classic Information Unavailable |
VS VS |
Active Assure Diamond Not a core feature of this variant — verify availability from policy wordings. |
| Coverage Options |
|---|
Health Pulse Classic Information Unavailable |
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 Pulse Classic 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 |
|---|
Health Pulse Classic Information Unavailable |
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
Health Pulse Classic vs Optima Secure
Health Pulse Classic vs Super Mediclaim
Health Pulse Classic vs Health Recharge
Health Pulse Classic vs Cancer Cover Activ Cancer Secure Plan
Health Pulse Classic vs Optima Secure Plus
Health Pulse Classic vs Women Care
Health Pulse Classic vs Aspire Diamond+
Health Pulse Classic vs Activate Booster Plan A
Health Pulse Classic vs Active Care Premier
Health Pulse Classic vs ProHealth Accumulate
Health Pulse Classic vs Health Super Saver Standard
Health Pulse Classic vs Supreme Shine
Health Pulse Classic vs Optima Secure Global Plus
Health Pulse Classic vs Health Cardiac Care Silver & Gold Plan
Health Pulse Classic vs myHealth Suraksha Gold
Health Pulse Classic vs LifeTime Health Global
Health Pulse Classic vs Active Fit Plus
Health Pulse Classic vs OneHealth Premium
Health Pulse Classic vs Activ Health Platinum Essential
Health Pulse Classic vs Medicare Plus
Health Pulse Classic vs Medicare Senior
Health Pulse Classic vs Enhance Super Top-up Two
Health Pulse Classic vs Medicare Protect
Health Pulse Classic vs Activ One SAVR
Health Pulse Classic vs Active Assure Diamond
Health Pulse Classic vs Activ One VIP
Health Pulse Classic vs Advantage
Health Pulse Classic vs Special Care Gold
Health Pulse Classic vs Activ One Max
Health Pulse Classic vs Classic
Health Pulse Classic vs Activ One Vytl
Health Pulse Classic vs Supreme
Health Pulse Classic vs Freedom
Health Pulse Classic vs Sarvah Pratham
Health Pulse Classic vs Joy Today
Health Pulse Classic vs Medi Classic
Health Pulse Classic vs Activate Booster Plan B
Health Pulse Classic vs Aspire Gold+
Health Pulse Classic vs Aspire Platinum+
Health Pulse Classic vs Plus Complete
Health Pulse Classic vs Reassure 2.0 Platinum+
Health Pulse Classic vs Elder Care
Health Pulse Classic vs Reassure 3.0 Elite
Health Pulse Classic vs EquiCover
Health Pulse Classic vs Young Star Gold
Health Pulse Classic vs Enhance Super Top-up One
Health Pulse Classic vs Joy Tomorrow
Health Pulse Classic vs Activ One VIP+
Health Pulse Classic vs Reassure 3.0 Select
Health Pulse Classic vs Red Carpet Senior Citizens
Health Pulse Classic vs Medicare Premier
Health Pulse Classic vs Family Health Optima
Health Pulse Classic vs Health Companion Variant 2022
Health Pulse Classic vs Health Companion Variant 3
Health Pulse Classic vs Plus Youth
Health Pulse Classic vs Assure
Health Pulse Classic vs Health Premia Gold
Health Pulse Classic vs Health Premia Platinum
Health Pulse Classic vs Cancer Care Platinum
Health Pulse Classic vs Optima Lite
Health Pulse Classic vs ProHealth Prime Protect
Health Pulse Classic vs Comprehensive
Health Pulse Classic vs HeartBeat Enhanced
Health Pulse Classic vs Reassure
Health Pulse Classic vs Supreme Senior Premium
Health Pulse Classic vs Health Recharge Super Top Up Plan
Health Pulse Classic vs Reassure 3.0
Health Pulse Classic vs myHealth Suraksha Platinum
Health Pulse Classic vs Supreme Value for Money
Health Pulse Classic vs Supreme Senior Super
Health Pulse Classic vs Supreme Enhance
Health Pulse Classic vs Reassure 2.0 Gold
Health Pulse Classic vs Medicare
Health Pulse Classic vs Ultimate (Direct)
Health Pulse Classic vs Young Star
Health Pulse Classic vs Sarvah Param
Health Pulse Classic vs Optima Insurance
Health Pulse Classic vs Smart Super Health Assure
Health Pulse Classic vs Reassure 3.0 Black
Health Pulse Classic vs Health Guard Platinum
Health Pulse Classic vs Health Guard Gold
Health Pulse Classic vs Elevate (Direct)
Health Pulse Classic vs Extra Care Plus Super Top-up
Health Pulse Classic vs Health Care Supreme Smart
Health Pulse Classic vs Smart Health Pro
Health Pulse Classic vs Medi Classic Gold
Health Pulse Classic vs Optima Super Secure
Health Pulse Classic vs Special Care
Health Pulse Classic vs Medicare LITE
Health Pulse Classic vs Health Shield 360
Health Pulse Classic vs SecureHealth
Health Pulse Classic vs Supreme (Direct)
Health Pulse Classic vs Plus
Health Pulse Classic vs Mediclaim Insurance Policy
Health Pulse Classic vs Medicare Select
Health Pulse Classic vs Health Gain
Health Pulse Classic vs myHealth Koti Suraksha
Health Pulse Classic vs Senior
Health Pulse Classic vs myHealth Suraksha Silver
Health Pulse Classic vs Cardiac Care Platinum
Health Pulse Classic vs Royal Sundaram Lifeline Elite
Health Pulse Classic vs Super Surplus Gold
Health Pulse Classic vs Supreme Enhance One
Health Pulse Classic vs Supreme Enhance Two
Health Pulse Classic vs HeartBeat Platinum
Health Pulse Classic vs HeartBeat Gold
Health Pulse Classic vs Health SuperCharge
Health Pulse Classic vs Aspire Titanium+
Health Pulse Classic vs iHealth Plus
Health Pulse Classic vs ProHealth Prime Advantage
Health Pulse Classic vs Active Fit Preferred
Health Pulse Classic vs Reassure 3.0 Classic
Health Pulse Classic vs Senior Health Advantage
Health Pulse Classic vs Health Wallet
Health Pulse Classic vs Elevate
Health Pulse Classic vs Heart
Health Pulse Classic vs LifeTime Health
Health Pulse Classic vs Reassure 2.0 Titanium+
Health Pulse Classic vs ProHealth Prime Active
Health Pulse Classic vs ProHealth Prime Senior Elite
Health Pulse Classic vs Advanced Top Up
Health Pulse Classic vs Multiplier Health
Health Pulse Classic vs Diabetes Safe Plan A
Health Pulse Classic vs Reassure 2.0 Bronze+
Health Pulse Classic vs Enhance Super Top-up
Health Pulse Classic vs Young Star Silver
Health Pulse Classic vs Star Women Care Policy
Health Pulse Classic vs Joy
Health Pulse Classic vs Supreme Senior Health AdvantEdge
Health Pulse Classic vs Family Plus
Health Pulse Classic vs Criti Shield Plus
Health Pulse Classic vs Health Care Supreme Ultimo
Health Pulse Classic vs Health Shield 360 Retail
Health Pulse Classic vs Super Star
Health Pulse Classic vs Supreme Super Saver
Health Pulse Classic vs Senior First Platinum
Health Pulse Classic vs Optima Secure Global
Health Pulse Classic vs NextGen
Health Pulse Classic vs Health Insurance Platinum
Health Pulse Classic vs Energy Silver With Copay
Active Assure Diamond vs Optima Secure
Active Assure Diamond vs Super Mediclaim
Active Assure Diamond vs Health Recharge
Active Assure Diamond vs Cancer Cover Activ Cancer Secure Plan
Active Assure Diamond vs Optima Secure Plus
Active Assure Diamond vs Women Care
Active Assure Diamond vs Aspire Diamond+
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 Health Super Saver Standard
Active Assure Diamond vs Supreme Shine
Active Assure Diamond vs Optima Secure Global Plus
Active Assure Diamond vs Health Cardiac Care Silver & Gold Plan
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 OneHealth Premium
Active Assure Diamond vs Activ Health Platinum Essential
Active Assure Diamond vs Medicare Plus
Active Assure Diamond vs Medicare Senior
Active Assure Diamond vs Enhance Super Top-up Two
Active Assure Diamond vs Medicare Protect
Active Assure Diamond vs Activ One SAVR
Active Assure Diamond vs Activ One VIP
Active Assure Diamond vs Health Pulse Classic
Active Assure Diamond vs Advantage
Active Assure Diamond vs Special Care Gold
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 Sarvah Pratham
Active Assure Diamond vs Joy Today
Active Assure Diamond vs Medi Classic
Active Assure Diamond vs Activate Booster Plan B
Active Assure Diamond vs Aspire Gold+
Active Assure Diamond vs Aspire Platinum+
Active Assure Diamond vs Plus Complete
Active Assure Diamond vs Reassure 2.0 Platinum+
Active Assure Diamond vs Elder Care
Active Assure Diamond vs Reassure 3.0 Elite
Active Assure Diamond vs EquiCover
Active Assure Diamond vs Young Star Gold
Active Assure Diamond vs Enhance Super Top-up One
Active Assure Diamond vs Joy Tomorrow
Active Assure Diamond vs Activ One VIP+
Active Assure Diamond vs Reassure 3.0 Select
Active Assure Diamond vs Red Carpet Senior Citizens
Active Assure Diamond vs Medicare Premier
Active Assure Diamond vs Family Health Optima
Active Assure Diamond vs Health Companion Variant 2022
Active Assure Diamond vs Health Companion Variant 3
Active Assure Diamond vs Plus Youth
Active Assure Diamond vs Assure
Active Assure Diamond vs Health Premia Gold
Active Assure Diamond vs Health Premia Platinum
Active Assure Diamond vs Cancer Care Platinum
Active Assure Diamond vs Optima Lite
Active Assure Diamond vs ProHealth Prime Protect
Active Assure Diamond vs Comprehensive
Active Assure Diamond vs HeartBeat Enhanced
Active Assure Diamond vs Reassure
Active Assure Diamond vs Supreme Senior Premium
Active Assure Diamond vs Health Recharge Super Top Up Plan
Active Assure Diamond vs Reassure 3.0
Active Assure Diamond vs myHealth Suraksha Platinum
Active Assure Diamond vs Supreme Value for Money
Active Assure Diamond vs Supreme Senior Super
Active Assure Diamond vs Supreme Enhance
Active Assure Diamond vs Reassure 2.0 Gold
Active Assure Diamond vs Medicare
Active Assure Diamond vs Ultimate (Direct)
Active Assure Diamond vs Young Star
Active Assure Diamond vs Sarvah Param
Active Assure Diamond vs Optima Insurance
Active Assure Diamond vs Smart Super Health Assure
Active Assure Diamond vs Reassure 3.0 Black
Active Assure Diamond vs Health Guard Platinum
Active Assure Diamond vs Health Guard Gold
Active Assure Diamond vs Elevate (Direct)
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 Plus
Active Assure Diamond vs Mediclaim Insurance Policy
Active Assure Diamond vs Medicare Select
Active Assure Diamond vs Health Gain
Active Assure Diamond vs myHealth Koti Suraksha
Active Assure Diamond vs Senior
Active Assure Diamond vs myHealth Suraksha Silver
Active Assure Diamond vs Cardiac Care Platinum
Active Assure Diamond vs Royal Sundaram Lifeline Elite
Active Assure Diamond vs Super Surplus Gold
Active Assure Diamond vs Supreme Enhance One
Active Assure Diamond vs Supreme Enhance Two
Active Assure Diamond vs HeartBeat Platinum
Active Assure Diamond vs HeartBeat Gold
Active Assure Diamond vs Health SuperCharge
Active Assure Diamond vs Aspire Titanium+
Active Assure Diamond vs iHealth Plus
Active Assure Diamond vs ProHealth Prime Advantage
Active Assure Diamond vs Active Fit Preferred
Active Assure Diamond vs Reassure 3.0 Classic
Active Assure Diamond vs Senior Health Advantage
Active Assure Diamond vs Health Wallet
Active Assure Diamond vs Elevate
Active Assure Diamond vs Heart
Active Assure Diamond vs LifeTime Health
Active Assure Diamond vs Reassure 2.0 Titanium+
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 Diabetes Safe Plan A
Active Assure Diamond vs Reassure 2.0 Bronze+
Active Assure Diamond vs Enhance Super Top-up
Active Assure Diamond vs Young Star Silver
Active Assure Diamond vs Star Women Care Policy
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 Super Star
Active Assure Diamond vs Supreme Super Saver
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
Oneassure
Health Insurance
Compare Health Insurance Plans
Health Pulse Classic Vs Active Assure Diamond
Chat with PolicyPal
Get a free policy review
No pressure. No product push. Just honest advice.






.png)

