*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply
Who would you like to insure?
When medical costs are constantly on the rise, having health insurance is the key to restore your health. And if you’re someone looking for a budget-friendly yet comprehensive health insurance plan than there we suggest Aditya Birla Activ Assure Diamond plan. It is an ideal option to secure the health of your family and yours, without worrying about those soaring medical costs. Here’ how:
You must consider this plan while doing financial planning because:
In-patient Hospitalisation |
Hospitalisation expenses including consultation fee, nursing fee, room rent, OT charges, medicine cost etc. |
Pre-hospitalisation Cover |
expenses of consultation or diagnostic tests before hospitalisation up to 30 days |
Post-hospitalisation Cover |
expenses of consultation or diagnostic tests before hospitalisation up to 60 days |
Day Care Treatment |
586 day-care procedures are covered |
Domiciliary Treatment |
expenses incurred due to availing treatment at home are covered |
Road Ambulance Facility |
Cost of transportation to a hospital by road is covered |
Organ Donor Expense |
Expenses for harvesting an organ |
Reload of Sum Insured |
150% of sum insured restoration |
AYUSH Treatment |
in-patient treatment cover including Ayurveda, Yoga and Naturopathy, Unani, Siddha, Homeopathy etc. |
Daily Allowance |
Rs. 500 as daily cash for a maximum of 5 days hospitalisation |
Vaccination Cover |
For insured children up to 18 years, only for Sum Insured Rs. 1 cr. |
Health Check-up Benefit |
once in a policy year |
Second E-opinion in case of Critical Illness |
Critical illness such as cancer, kidney failure may require a second opinion. The policy covers the expenses incurred due to availing an opinion from a qualified specialist |
Health Coach |
Coaching session for chronic diseases |
Reduction in PED Waiting Period (Optional) |
Opting for this add-on will help you reduce the 48 months waiting period to claim the policy in case of pre-existing illness. |
Super NCB |
It is an extension to the inbuilt NCB benefit that helps is accumulate 50% NCB every year up to a maximum limit of 100% |
Accidental Hospitalisation Buster |
Additional SI is provided, equal to the actual sum insured in case of accidental hospitalisation |
Cancer Hospitalisation Buster |
In case of hospitalisation due to cancer, if the insured person is more than 18 years old, an additional SI equal to the actual sum insured is offered |
Room Upgrade Facility |
Freedom o choose a room as per the preference |
The policy doesn’t cover the below situations:
*For the complete list of exclusions, kindly refer to the policy document
Entry age |
Dependent Child-91 days to 5 years Individual: 5 years Children up to 25 years can be added to as floater basis |
Maximum Age |
No maximum age at entry |
Plan Tenure |
2/3 years |
Policy Type |
Individual/Floater |
Sum Insured |
Rs. 2 lakhs to 2 cr. |
Copayment |
Applicable if the insured is above 61 years old |
The various waiting period applicable under this plan include:
In order to buy Aditya Birla Activ Assure Diamond Plan you will require the following documents:
You can claim your Aditya Birla health insurance in 2 ways- Cashless claim service and Reimbursement claim. Both the process require to inform the insurer immediately once a claim arises. Bear in mind that, you can avail cashless claims only at network hospitals. On the other hand, reimbursement claims can be availed any of your preferred hospitals.
Timely renewal of your health insurance policy is essential to get the policy benefit contentiously. You can renew your Aditya Birla Activ health plan either online or offline. To renew it online:
If you wish to renew it offline, you can approach your insurance agent to do it for you. You can pay through cheque or cash by visiting the branch office as well. However, online insurance is the most convenient way of renewing your policy, which saves time and money at the same time.