Aditya Birla Activ Assure Diamond + Super Health Topup Combi
Aditya Birla Activ Assure Diamond and Super Health Top-up Combi plan is a reasonably priced health insurance option that guarantees you receive the best care without having to worry about rising medical costs. This plan offers a claim amount of up to Rs. 1 crore and a wide range of sums assured, which may be enough to cover the expensive treatment costs.
This exclusive super top-up health insurance plan aids policyholders in conserving money while ensuring high-quality care at the insurer’s network hospital. The insurer provides various discounts and rewards to the policyholders under this super top-up plan, and there are no restrictions on room rentals.
Here are the eligibility criteria for Aditya Birla Activ Assure Diamond and Super Health Top-up Combi plan.
Minimum age at entry: 5 years (Individual Policy)/91 days (Floater Policy).
Maximum age at entry: 65 years
1. Sum Insured: Rs 3 Lacs, 4 Lacs, 5 Lacs, 7 Lacs, 10 Lacs,
Deductible: Rs 1 Lac, 2 Lacs, 3 Lacs
2. Sum Insured: Rs 5 Lacs, 7 Lacs, 10 Lacs, 15 Lacs, 20 Lacs,
25 Lacs, 30 Lacs, 40 Lacs, 50 Lacs,
Deductible: Rs 4 Lacs, 5 Lacs, 7 Lacs, 10 Lacs
3. Sum Insured: Rs 85 Lacs,
Deductible: Rs 15 Lacs
4. Sum Insured: Rs 90 Lacs, Deductible: Rs 10 Lacs
5. Sum Insured: Rs 95 Lacs, Deductible: Rs 5 Lacs
|Up to the Sum Insured|
|Day Care Procedures||586 Day Care Procedures Including hospitalisation less than 24 hours|
Sum Insured: 3 Lacs, 4 Lacs – Rs.25000
Sum Insured: 5 Lacs and above – Rs.50000
Network Providers – Covered up to Actual expenses
Non – Network Providers – Covered up to Rs.5000/hospitalisation
Key Features and Benefits of Considering Aditya Birla Activ Assure Diamond + Super Health Topup Combi Plan?
Here are the key features and potential benefits of buying the plan to protect your health and lifetime savings.
- Road Ambulance
In non-network hospitals, road ambulance costs are covered up to Rs. 5000 per hospitalisation, and in-network hospitals, they are covered up to Actuals.
Receive coverage for COVID-19 and inpatient hospitalization, with no limitations on room rental or ICU costs.
- Health and Wellness Discounts
Get discounts on diagnostic procedures, OPD consultations, and pharmacies provided by our network providers.
- Waiting Period
Initial waiting periods range from 30 days to 36 months for pre-existing conditions and 24-48 months for certain illnesses.
- Renewability of The Plan
With the unique provision of lifelong renewability of services, this super top-up health insurance plan allows policyholders to take advantage of all of its advantages regardless of their maximum age.
- AYUSH in-patient-hospitalization
Treatments involving Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homoeopathy are covered by AYUSH. Obtain coverage for hospitalization and medication costs for extended-stay AYUSH treatments.
- Domiciliary Treatment
When a patient’s condition prevents them from attending the dispensary or clinic, they are entitled to free medical attention from IMO/IMP at home for themselves and any members of their family.
- Day Care Treatment
Following an illness or injury that occurs during the policy period, the company will pay for medical expenses related to the insured person’s daycare treatment, up to the limits stated in the policy schedule and product benefit table.
- Post – hospitalization Medical Expenses
Up to the Sum Insured will be reimbursed under the plan for the number of days listed in the Policy Schedule / Product Benefit. The post-hospitalization medical costs that the insured person incurs as a result of a disease or injury that develops during the policy period.
Exclusions Under the Aditya Birla Activ Assure Diamond + Super Health Topup Combi Health Plan?
Listed below are the exclusions under the Aditya Birla Activ Assure Diamond + Supr Health Top-Up Combi Health insurance plan.
- Optometric therapy, contact lenses, or glasses, including hearing aids
- Wigs, toupees, and similar treatments for baldness, alopecia, and other conditions
- Cosmetic, aesthetic, and body-shaping procedures
- Any illness, injury, or accident brought on by the misuse of intoxicants
- Criminally motivated law violations and wilful self-harm
- Military or usurped acts, foreign enemy acts, uprisings, revolutions, and insurrections
Premium Illustration Of Aditya Birla Activ Assure Diamond + Super Health Top-Up Combi Insurance Plan
Let’s take the example of Mr. Lokesh Meena, living in New Delhi, looking to buy a plan that can protect him from health ailments in the future. After receiving numerous recommendations and doing extensive research, Mr. Meena stumbled upon Aditya Birla Activ Assure Diamond + Super Health Top-Up Combi Insurance Plan. Here is the premium illustration according to his age and premium amount.
|No. of Adults||Age||Sum Insured||Sum Insured of Super Top Up||A Deductible of Super Top Up||Tenure||Premium Amount|
|1||30 Years||Rs. 10, 00, 000||Rs. 90, 00, 000||Rs. 10, 00, 000||1 Year||Rs. 11, 765|
|1||30Years||Rs. 10, 00, 000||Rs. 40, 00, 000||Rs. 10, 00, 000||2 Years||Rs. 18, 104|
|1||30 Years||Rs. 10, 00, 000||Rs. 40, 00, 000||Rs. 10, 00, 000||3 Years||Rs. 26, 421|
How To Buy Aditya Birla Activ Assure Diamond + Super Health Top-Up Combi Insurance Plan?
It is no secret that owning a super top-up policy like Aditya Birla Activ Assure Diamond + Super Health Top-Up Combi Insurance Plan provides additional coverage. Consider a scenario in which your hospital expenses during a medical emergency exceed your health insurance limits. You’ll be responsible for paying the additional sum in that case. However, if you have a super top-up health insurance policy, you can completely avoid this circumstance.
If you are looking to buy Aditya Birla Activ Assure Diamond and Super Health Top-Up Combi Health Insurance, you will need to follow the steps mentioned below:
Step 1: Use your laptop or smartphone to access the official Aditya Birla Capital website to get started.
Step 2: The second step is to find “Protecting” in the middle. The item “Health Insurance” can be seen in the list. Click it after that.
Step 3: Next, go to the “Products Section” at the top, select the Health and Wellness Plans, and then you’ll see “Activ Assure Diamond + Super Health Top-Up Combi” on the right. To get more information and carry out your purchase, click on view plan.
Step 4: “Get a Quote” will appear in the banner at the top of the plan page once it has opened. Just click it.
Step 5: After you click it, a new page will appear, asking you to enter your mobile number, email address, and age, as well as the people you want to cover. Click “Buy Product” after that.
Step 6: After that, you will see the “Sum Insured”, Sum Insured of Super Top Up, Deductible of Super Top Up, and then select your policy tenure. Also, you will have the option to select your “Optional Covers” and “Health Add-Ons” if you want additional coverage. Select them at your convenience and once you are done entering and selecting all the policy information, click on the “Proceed” button to move on to the next step.
Step 7: The next step requires you to choose your ID type, as well as your first name, middle name, last name, date of birth, address, city, marital status, and choice of nationality. You must also decide on the nominee’s name, relationship, and contact details. To save your changes, choose “Save and Continue” when you are done.
Step 8: After verifying all the information, you must purchase the policy online using Net Banking, a credit card, or a debit card. Congratulations- your Activ Assure Diamond + Super Health Top-Up Combi policy has been successfully purchased.
How to File a Claim?
To file a claim for Aditya Birla Activ Assure Diamond + Super Health Top-Up Combi, follow the steps listed below.
Step 1: Visit a network hospital and let your insurance company know about the incident.
Step 2: Fill out the pre-authorization form and submit the details of your health insurance plan.
Step 3: The insurer then reviews the application, and the hospital is informed of your insurance information.
Step 4: After discharge, the hospital will give the insurer access to the patient’s medical records and discharge paperwork.
Step 5: After lowering the co-payment (if any), the claim will then be directly settled with the hospital.
The following are the steps to get a reimbursement claim for your Aditya Birla Activ Assure Diamond + Super Health Top-Up Combi insurance plan.
Step 1: Inform your insurer of the necessary original medical records, hospital bills, and insurance claim forms.
Step 2: The insurance company assesses the information and, if necessary, may request any additional data.
Step 3: Your claim settlement is made post-verification.
Step 4: By the terms and conditions of the policy, you will receive the claim amount.
Documents Required for Filing an Insurance Claim
Here is a list of documents you need to submit for raising an insurance claim for your Aditya Birla Activ Assure Diamond + Super Health Top-Up Combi health plan:
- Duly filled claim form
- Original copy of hospital discharge summary or card
- Prescription and cash invoices from pharmacies and the hospital
- An investigation report by the doctor
- Medical Certificate
- Health insurance policy document
- In case of an accident, FIR or Medico Legal Certificate (MLC)
How to Renew Aditya Birla Super Top-up Plan?
When you purchase the Aditya Birla Activ Assure Diamond + Super Health Top-Up Combi Insurance Plan and keep the insurance plan active by making the premiums on time, you will have ongoing coverage. If you don’t renew your plan promptly, it will expire. Then, if you decide to purchase such a health insurance policy again, you might be required to pay higher premiums or even be completely turned down for coverage because of your age or health. Therefore, to keep your policy in force, it is best to renew it on time.
- First, go to Aditya Birla Insurance’s official website.
- Next, look for “Protecting” in the center. The phrase “Health Insurance” is underlined in the list. At last, click it.
- Next, on the newly opened page, look for “My Account” at the top of the page. Click “Renew Policy” after highlighting it in the list.
- Your policy number and birthdate will be required on the following page. To continue with the renewal process, you should replace that with your mobile number.
The specifics of your policy will then become visible. Check the information twice before using a credit card, debit card, or net banking to make a purchase.
- Your Aditya Birla Activ Assure Diamond + Super Health Top-Up Combi Insurance Plan will be renewed once you have completed the above steps.
Frequently Asked Questions
In the event of an organ transplant, the plan will not only cover you but will also pay the organ donor’s medical expenses related to the organ donation process.
You can easily get discounts on OPD consultations, diagnostic services, and pharmacies with the Aditya Birla Activ Assure Diamond + Super Health Top-Up Combi Insurance Plan.
The plan will assist you in finding a medical facility if one is not nearby and then transport you there before returning you to your home.
According to your plan’s eligibility, the plan will pay your home medical treatment costs for conditions like chemotherapy, dengue, gastroenteritis, and hepatitis on a cashless basis.