Aditya Birla Activ 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).

Non-medical consumables such as gloves, oxygen masks, and similar items used during hospitalisation are covered.

30 days from policy inception for general illnesses(verify from policy wordings).

2 years for listed specific diseases/procedures(verify from policy wordings.

2 years for pre-existing diseases(per Policybazaar; verify from policy wordings — some sources indicate 3 years, so confirm before purchase.

Cashless annual health check-up available from day 1 through the insurer's app/network.

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

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

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

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

Sum Insured options from ₹2 lakh up to ₹2 crore, with flexible choices based on budget and family needs.

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

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

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

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.

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

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

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

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