Activ Assure Diamond Aditya Birla Health Insurance
Health insurance has become a quintessential part of financial planning. It is no longer a luxury but a necessity. A single healthcare emergency can leave your bank balance devastated. So, Aditya Birla Health Insurance is here with an affordable and comprehensive health plan.
Aditya Birla Activ Assure Diamond offers comprehensive coverage, along with 586 daycare procedures, at over 11,000 network hospitals across more than 4,800 locations. This is your pocket-friendly health insurance that also provides access to quality annual health check-ups, along with various other benefits. Read on as we discuss the Aditya Birla Activ Assure Diamond plan.
Highlights of Activ Assure Diamond Aditya Birla Health Insurance
Claim settlement ratio - 96%
NCB* - Up to 50%
PED Waiting# - 48 months
Network Hospital - 650+
A policy that offers a sum insured amount - up to ₹200 lakhs
Daycare treatments for - 586 listed conditions
Cashless treatment - 11000+
Enjoy access to over 800 - yoga centres, fitness centres, gyms, and dance classes.
24*7 - customer support without any hassle!
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Pros & Cons Activ Assure Diamond Aditya Birla Health Insurance
Our verdict
Opting for a high sum insured in health insurance, like the Care Advantage plan, is a proactive step toward financial well-being, safeguarding both health and wealth in the long run. It becomes possible for families to get quality healthcare services affordably.
If you haven’t done it already, get your health insurance policy from PayBima today!
Aditya Birla
Health Insurance Company
Aditya Birla Health Insurance Company Limited was incorporated in 2015 as a joint venture between the Aditya Birla Group and MMI Holdings of South Africa with 51% and 49% stake respectively. The company is a subsidiary of Aditya Birla Capital Limited.
The company offers a wide range of health insurance products consisting of unique insurance covers and offerings including incentive wellness and chronic care. The company believes in transparency, technology, trust and efficient customer service.
Claims Experience
% of claims settled in less than 30 days Reflects on the speed of settling valid claims
% of Complaints received on overall claims % customers unhappy with claims experience
Claims Incurred Ratio Claim Settlement Ratio (No. of claims) No. of Cashless Hospitals Benefits of Activ Assure Diamond - Aditya Birla Health Insurance
| In-patient Hospitalization | |
| ICU Rent Limit |
2 % of SI per day for SI (sum insured) Rs. 2, 3, and 4 lakhs, Up to SI for SI Rs. 5 lakh and above |
| Room Rent Limit |
1 % of SI per day for SI Rs. 2, 3, and 4 lakhs, Single private A/C room for SI Rs 5 lakh and above |
| Pre & Post Hospitalization | |
| Post-hospitalization expenses covered up to |
Sum Insured |
| Post-hospitalization expenses covered for |
60 days after the date of discharge from the hospital |
| Pre-hospitalization expenses covered up to |
Sum Insured |
| Pre-hospitalization expenses covered for |
30 Days before hospitalization |
| Day Care Treatment | |
| Financial Limit |
Sum Insured |
| No. of treatments covered |
586 Daycare treatments covered |
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The minimum age of entry is 5 years, while the maximum age of entry is 65 years.
Yes, you can avail a 10% discount on premium for covering 2 or more of your family members under a single plan.
In the case of a family floater plan, you can buy a health policy for yourself and include your spouse and up to four children under the plan. Some plans also allow the coverage of your parents as well as your in-laws.
You need to submit the below documents within 30 days:
- Duly filled claim form
- Medical papers confirming the Critical Illness
- Documents confirming that the claimed illness doesn’t come under the Pre-Existing Diseases
- Any other specific documents listed under Critical Illness
When the critical illness is diagnosed first, the insurer offers a lump sum amount in the form of sum insured. However, there is no death benefit offered under the Activ Assure Diamond plan.
Yes. There are several add-ons available with the Aditya Birla Activ Assure Diamond Policy that you may purchase. These are listed in the table above.
The policy has an initial waiting period of 30 days. It also has a waiting period of 24 months for specific diseases and 36 months for pre-existing diseases.
The policy offers multiple options for the sum insured amount. It ranges from ₹2 lakh to ₹200 lakh. So, you may choose one as per your requirements.