How does the waiting period affect my coverage?

A 30-day waiting period applies, excluding accidental injuries. Pre-existing conditions are covered after 48 months, while specific illnesses require up to 24 months.

What if I don’t use my health insurance benefits for the entire year?

A No Claim Bonus increases your sum insured for every claim-free year, offering additional coverage without extra premium costs.

Does the plan cover treatment abroad?

The plan primarily covers treatment within India, but optional add-ons may provide limited international medical emergency coverage.

Does Aditya Birla Activ Assure Diamond cover critical illnesses?

Yes, it offers optional critical illness coverage through add-ons.

Are there any add-ons available with the Aditya Birla Activ Assure Diamond plan?

Yes, multiple add-ons are available like room upgrade, maternity cover, and hospital cash benefit.

OneAssure

Health Insurance

Aditya Birla

Active Assure Diamond

Aditya Birla Activ Assure Diamond

Experience India's most trusted health insurance with Aditya Birla Health Insurance. Get instant cashless treatment at 8000 network hospitals with sum insured up to ₹50 lakhs.

96

Claim Settlement Ratio

8000

Network Hospitals

8.8

Customer Rating

Get a Quote

96

Claim Settlement Ratio

8000

Network Hospitals

8.8

Customer Rating

Our Verdict

Expert Review: Aditya Birla Health Insurance

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Final Verdict

Activ Assure Diamond offers high sum insured, wellness rewards, and worldwide emergency cover, making it ideal for active individuals and families. However, sub-limits on some benefits may restrict flexibility.

About

About Aditya Birla Health Insurance

Aditya Birla Health Insurance’s Activ Assure Diamond Plan is a comprehensive health insurance policy designed to offer extensive medical coverage. It provides a high sum insured, covering hospitalization expenses, pre- and post-hospitalization costs, daycare procedures, and domiciliary treatments. The plan includes benefits like 150% reload of the sum insured, health check-ups, and worldwide emergency assistance. Policyholders also get wellness benefits, including rewards for staying active. Optional add-ons like critical illness and accidental coverage further enhance protection, ensuring financial security during medical emergencies.

Aditya Birla Health Insurance’s Activ Assure Diamond Plan is a comprehensive health insurance policy designed to offer extensive medical coverage. It provides a high sum insured, covering hospitalization expenses, pre- and post-hospitalization costs, daycare procedures, and domiciliary treatments. The plan includes benefits like 150% reload of the sum insured, health check-ups, and worldwide emergency assistance. Policyholders also get wellness benefits, including rewards for staying active. Optional add-ons like critical illness and accidental coverage further enhance...

Inclusions and Exclusions

Inclusions and Exclusions of Aditya Birla Insurance Company Limited

Room Rent

Room Rent Limit: No limit on room category, allowing policyholders to opt for any hospital room as per their preference.
ICU Limit: No capping on ICU charges, ensuring full coverage for intensive care treatments without any restrictions.

Advanced Treatments

Covers advanced treatments, including robotic surgeries, stem cell therapy (for approved conditions), targeted cancer therapy, organ transplant procedures, and specialized cardiac treatments, ensuring access to modern and high-cost medical care.

Co-payment

The Activ Assure Diamond Plan does not have a mandatory co-payment for most policyholders.

Waiting Period

Initial Waiting Period: 30 days from policy inception, except for accidental claims.
Pre-Existing Diseases (PED): Covered after 48 months of continuous policy coverage.
Specific Illnesses/Procedures: A waiting period of 24 months applies to certain listed conditions.
Maternity Benefits: Covered after 24 months for maternity-related expenses (if applicable).

Cashless Healthcare Providers

The plan provides access to over 12,000 network hospitals across India, offering cashless treatment facilities.

Daycare Treatment

Covered under this plan.

AYUSH Treatment

AYUSH treatment covered under this policy

Room Rent

Room Rent Limit: No limit on room category, allowing policyholders to opt for any hospital room as per their preference.
ICU Limit: No capping on ICU charges, ensuring full coverage for intensive care treatments without any restrictions.

Advanced Treatments

Covers advanced treatments, including robotic surgeries, stem cell therapy (for approved conditions), targeted cancer therapy, organ transplant procedures, and specialized cardiac treatments, ensuring access to modern and high-cost medical care.

Co-payment

The Activ Assure Diamond Plan does not have a mandatory co-payment for most policyholders.

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Exclusions

Any pre-existing diseases not disclosed at the time of policy issuance or during the waiting period.
Illnesses or treatments during the initial 30-day waiting period, except for accidental injuries.
Treatment for self-inflicted injuries, suicide attempts, or harm due to substance abuse.
Cosmetic or plastic surgery unless required due to an accident or medically necessary.
Dental treatments, unless arising from an accident requiring hospitalization.
Infertility treatments, assisted reproductive techniques, or related complications.
Treatment for congenital diseases or genetic disorders.
Injuries due to participation in hazardous activities, adventure sports, or illegal acts.

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About the company

Aditya Birla Health Insurance, part of the Aditya Birla Capital Group, is among India’s most reliable and customer-centric health insurers. The company aims to go beyond basic protection by focusing on preventive healthcare, wellness programs, and rewards for maintaining a healthy lifestyle. It provides a wide range of health plans for individuals, families, and senior citizens, offering flexible sum insured options and comprehensive benefits. With a strong network of over 8,000 hospitals across India, Aditya Birla ensures easy access to quality medical care through a smooth cashless claim process. The insurer also offers features like chronic care management, annual health check-ups, and value-added wellness services to promote long-term health. Backed by 24/7 customer support, quick claim settlement, and a transparent service approach, Aditya Birla Health...

Aditya Birla Health Insurance, part of the Aditya Birla Capital Group, is among India’s most reliable and customer-centric health insurers. The company aims to go beyond basic protection by focusing on preventive healthcare, wellness programs, and rewards for maintaining a healthy lifestyle. It provides a wide range of health plans for individuals, families, and senior citizens, offering flexible sum insured options and comprehensive benefits. With a strong network of over 8,000 hospitals across India, Aditya...