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Insurance Plans Comparison

Aditya Birla Active Assure Diamond vs Star Red Carpet Senior Citizens

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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

VS
Star

Red Carpet Senior Citizens

Senior Citizen Health Insurance with Lifelong Renewability

What Makes It Special:

A senior citizen health insurance policy designed for people entering between 60 and 75 years, with lifelong renewability and individual or floater sum insured options. The brochure lists hospitalization, daycare treatment and senior-focused coverage, along with medical underwriting and optional premium payment modes.

Best For:

  • Senior citizens aged 60 to 75 years

  • People looking for lifelong renewability

  • Customers considering individual or floater cover

  • Seniors seeking dedicated hospitalization protection

  • Customers who want multiple policy-term choices

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

  • Check the applicable room and hospitalization benefit table before purchase

  • Review medical underwriting requirements based on age, health history and sum insured

  • Review waiting periods and exclusions in the policy wording

  • Compare individual and floater coverage based on family requirements

  • Check premium loading for monthly, quarterly or half-yearly payment modes

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Active Assure Diamond
Active Assure Diamond

Health Insurance Plan

Brochure

VS
Red Carpet Senior Citizens
Red Carpet Senior Citizens

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

Red Carpet Senior Citizens

  1. Covered according to the applicable room, boarding and nursing benefit table
ICU Charges

Active Assure Diamond

Covered up to the Sum Insured.

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

VS

Red Carpet Senior Citizens

Covered as per the applicable hospitalization benefit

Co-payment

Active Assure Diamond

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

VS

Red Carpet Senior Citizens

Not specified in the retrieved source

Disease-wise sublimits

Active Assure Diamond

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

VS

Red Carpet Senior Citizens

Not fully specified in the retrieved source

Cashless Healthcare Providers

Active Assure Diamond

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

VS

Red Carpet Senior Citizens

Available through network hospitals, subject to policy terms

Restoration Benefit

Active Assure Diamond

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

VS

Red Carpet Senior Citizens

Not specified in the retrieved source

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

Red Carpet Senior Citizens

Not specified in the retrieved source

Daycare Treatment

Active Assure Diamond

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

VS

Red Carpet Senior Citizens

All daycare procedures covered

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

Red Carpet Senior Citizens

Not specified in the retrieved source

AYUSH Treatment

Active Assure Diamond

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

VS

Red Carpet Senior Citizens

Covered, subject to policy terms

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

Red Carpet Senior Citizens

  1. Not specified in the retrieved source
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

Red Carpet Senior Citizens

Not specified in the retrieved source

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

Red Carpet Senior Citizens

Not specified in the retrieved source

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

Red Carpet Senior Citizens

  1. Covered, subject to policy-specified limits
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

Red Carpet Senior Citizens

Not specified in the retrieved source

Pre-Hospitalisation

Active Assure Diamond

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

VS

Red Carpet Senior Citizens

Not specified in the retrieved source

Post-Hospitalisation

Active Assure Diamond

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

VS

Red Carpet Senior Citizens

Not specified in the retrieved source

Outpatient Department Cover (OPD Expense)

Active Assure Diamond

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

VS

Red Carpet Senior Citizens

Not specified in the retrieved source

Deductible Option

Active Assure Diamond

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

VS

Red Carpet Senior Citizens

Not specified in the retrieved source

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

Red Carpet Senior Citizens

Individual and Floater Sum Insured

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

Red Carpet Senior Citizens

Not specified in the retrieved source

Maternity Cover

Active Assure Diamond

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

VS

Red Carpet Senior Citizens

Not specified in the retrieved source

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?

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Free Expert Consultation

Free Expert Consultation

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)

Having questions? We've got answers. Explore our FAQs to find the information you need.

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Active Assure Diamond Vs Red Carpet Senior Citizens

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