Aditya Birla Activ Assure Diamond Plan

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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:

Why Do You Need Aditya Birla Activ Assure Diamond Plan?

You must consider this plan while doing financial planning because:

  • It offers comprehensive coverage to you and your family with a higher range of sum insured to choose from
  • The policy comes with 150% sum insured restoration benefit
  • You can get a health coach to have consultations and sessions on chronic or lifestyle illnesses
  • 24x7 helpline and customer care to provide prompt post-sale services
  • Super NCB as an add-on to maximise the accrued NCB for not claiming the insurance

Key Benefits of Aditya Birla Activ Assure Diamond Plan

  • Restoration of Sum Insured: Sum insured can be reloaded up to a maximum of 50 lakh in case of an unrelated illness.
  • Day-care Procedure: The policy covers 586 day-care procedures which don’t require 24 hours of hospitalisation.
  • International/Domestic Assistance: You can avail domestic as well as international healthcare assistance in case of an emergency, including air ambulance services.
  • Handsome HealthReturn: you are eligible to earn up to 30% of Health Returns on your annual premium as a reward for staying healthy and fit.
  • No Claim Bonus: 10% cumulative bonus to be earned for not claiming the insurance.

Aditya Birla Activ Assure Diamond Plan Inclusions

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

 

Aditya Birla Activ Assure Diamond Plan Exclusions

The policy doesn’t cover the below situations:

  • Self-inflicted injuries such as suicide, attempt to suicide
  • War, war-like situation, injury due to use of a nuclear weapon, civil common, riot
  • Injuries resulting due to an accident under the influence of alcohol or other intoxicating substances
  • Injuries that are self-inflicted or the ones that are caused due to military acts or wars.
  • Mental illness, cosmetic surgery, the expense incurred towards weight loss etc.
  • Expenses for availing contact lenses, hearing aids or spectacles
  • Non-allopathic treatment

*For the  complete list of exclusions, kindly refer to the policy document

Eligibility to Avail Activ Assure Diamond Plan

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

Discount Available

  • Family discount of 5% if 2 or 3 members are covered in a policy, 10% discount if 4 members are covered
  • 5 and 10% discount for selecting a long-term policy of 2 or years
  • The employees of Aditya Birla Group can avail additional 10% discount on the purchase
  • 10% discount for employees of intermediaries of Aditya Birla

Waiting Period Clause for Aditya Birla Activ Assure Diamond Plan

The various waiting period applicable under this plan include:

  • Initial Waiting Period: 30 days waiting period is applied for any claim except accidental claim
  • Specific Illness/surgery: 2 years waiting period is applicable for specific treatment listed in the policy document. You can refer to the Aditya Birla Activ Assure plan brochure to check the complete list.
  • Pre-existing Illness: 48 months waiting period is applicable unless you have opted for PED reduction add-on

Documents Required for Aditya Birla Activ Assure Diamond Plan

In order to buy Aditya Birla Activ Assure Diamond Plan you will require the following documents:

  • Age proof such as birth certificate, Adhaar Card, PAN Card, Passport etc.
  • Identity proof such as Passport, Adhaar Card, PAN Card, Voter’s ID
  • Proof of Income like salary slip, Form 16, employment certificate etc.
  • Address proof such as utility bill, Passport, Driving License, Account Statement
  • Medical test report if the insurer urges
  • Passport size photographs

Aditya Birla Activ Assure Plan Claim Process

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.

Steps to Claiming: Cashless Claim

  • Inform the insurer 48 hours prior in case of planned hospitalisation. You have to notify them within 2 hours if it is an emergency hospitalisation
  • Approach the TPA helpdesk in the hospital, fill the pre-authorisation letter and seek for cashless services
  • Upon verification of the form and documents, the insurer will convey its decision. If it is in your favour, you can avail the cashless treatment. If not pay the bills initially and register a reimbursement claim.
  • If your cashless request is accepted, the incurred expenses will be settled directly with the hospital authority by the insurer

Reimbursement Claim

  • When you apply for a reimbursement claim, you initially pay the hospital bills
  • Collect the original bills, receipt and other related information
  • Get the discharge summary stating about the nature of the illness
  • Medical report signed by the treating doctor explaining about the treatment availed
  • Register a claim, fill the claim form and send it to the insurance provider along with the supporting documents
  • The insurance officer will verify your case and compensate you up to an admissible amount. You may have to pay the deductibles or the charges that are not covered by the insurer.

Aditya Birla Activ Assure Plan Renewal Process

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:

  • Visit the official website
  • Go to the ‘Renew’ option and click on ‘Quick Renew’
  • Fill the form with relevant information such as Policy Number, DOB, mobile number etc.
  • Click on Renew Now option and proceed
  • The premium to be paid will appear. If you are okay with that, you can pay the premiums online by using Credit/Debit cards or net banking
  • A renewal notification will be sent to you with an acknowledgement
  • Get the renewed policy instantly downloaded from your registered email ID

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.