Aditya Birla Activ Assure Diamond
Aditya Birla
8.8/10
OneAssure Rating
8.8/10
OneAssure Rating
Highlighted Features
Room Rent (Normal & ICU)
This policy includes room rent coverage, offering a single private room for normal hospitalization and no cap on ICU stays.
Co-payment
The Activ Assure Diamond Plan does not have a mandatory co-payment for most policyholders.
Brochure
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Our 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 the Plan
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.
About the Plan
Product Stats
Rating
Features of the Product
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
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.
War, terrorism, radiation, or nuclear contamination-related illnesses or injuries.
Hospitalization solely for rest, rehabilitation, or obesity-related treatments unless medically necessary.
Exclusions
Related Variants
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Why OneAssure?
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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 Insurance continues to build trust among policyholders. Its focus on innovation and holistic wellbeing makes it a dependable choice for those seeking comprehensive, wellness-driven health protection.
About the Company
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