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Aditya Birla Activ Assured Diamond Plan

Health insurance is one of the most popular and necessary insurance products as it protects you against different ailments and illnesses that may be a hefty financial burden on you. When it comes to health insurance products, Aditya Birla Health Insurance Company is one of the most prominent, promising, and famous names among consumers. To cater to your ever-changing health needs and to fight against inflation, this insurer has come up with an Activ Assured Diamond policy that not only keeps you healthy and financially protected but also the product is very cost-effective. To know more about this plan, have a look at the following mentions.

Eligibility Criteria

ParametersDescriptions
Minimum entry age

Dependent children – 91 days (family floater policy), and 5 years (individual policy)

Adult – 18 years

Maximum entry age

Dependent children – 25 years

Adults – No upper limit

Relationships covered

Family floater policy – self, spouse, dependent children (natural or legally adopted)

Individual policy – self, spouse, children, parents, brother, sister, parents-in-law, grandfather, grandmother, grandchildren, son-in-law, daughter-in-law, brother-in-law, sister-in-law, nephew, and niece.

Waiting period
  • Covid-19: 15 Days
  • Listed Illness, or Procedure: 24 Months
  • Initial Waiting Period: 30 Days (not applicable in case of an accident and subsequent renewal)
  • Specified Disease, or Procedure Waiting Period: 48 Months
  • Pre-existing Disease: 48 months
Policy tenure1, 2, and 3 years
Sum insured optionsRs. 2 lakhs, Rs. 3 lakhs, Rs. 4 lakhs, Rs. 5 lakhs, Rs. 7 lakhs, Rs. 10 lakhs, Rs. 15 lakhs, Rs. 20 lakhs, Rs. 25 lakhs, Rs. 30 lakhs, Rs. 40 lakhs, Rs. 50 lakhs, Rs. 75 lakhs, Rs. 100 lakhs, Rs. 150 lakhs, and Rs. 200 lakhs

Understand Aditya Birla Activ Assured Diamond Plan

The plan has come up with a sack full of benefits and facilities for its customers to keep them protected and secure. The following table gives you a brief sketch of those benefits.

ParametersDetails
Basic Covers
In-patient hospitalizationCovered
Room type
  • Rs. 2 lakhs, Rs. 3 lakhs, Rs. 4 lakhs Sum Insured – 1% of Sum Insured
  • Rs. 5 lakhs Sum Insured – Single Private A/C Room
  • Rs. 7 lakhs Sum Insured and above- Up to Sum Insured
ICU charges
  • Rs. 2 lakhs, Rs. 3 lakhs, Rs. 4 lakhs Sum Insured – 2% of Sum Insured
  • Rs. 5 lakhs and above Sum Insured – Up to sum insured
Pre-hospitalization medical expenses30 days
Post-hospitalization medical expenses60 days
Day care treatment586 listed Procedures, covered up to Sum Insured
Domiciliary hospitalizationUp to 10% of the Sum insured
Road ambulance cover
  • Sum insured up to Rs. 4 lakhs – Rs. 1500
  • Sum insured Rs. 1 crore to Rs. 2 crores – Rs. 5000
  • Sum insured Rs. 50 lakhs to Rs. 75 lakhs – Rs. 3000
  • Sum insured Rs. 5 lakhs to Rs. 10 lakhs – Rs. 2000
  • Sum insured Rs. 15 lakhs to Rs. 40 lakhs – Rs. 2500
Organ donor expensesCovered up to the sum insured
Reload of sum insuredUp to 150% of the Sum insured, maximum up to Rs. 50 lakhs
AYUSH treatment expenses (in-patient hospitalization)
  • Sum insured Rs. 5 lakhs to Rs. 10 lakhs – Rs. 20,000
  • Sum insured up to Rs. 4 lakhs – Rs. 15,000
  • Sum insured Rs. 1crore to Rs. 2crores – Rs. 50,000
  • Sum insured Rs. 50 lakhs to Rs. 75 lakhs – Rs. 40,000
  • Sum insured Rs. 15 lakhs to Rs. 40 lakhs – Rs. 30,000
Daily allowanceRs. 2 lakhs, Rs. 3 lakhs, Rs. 4 lakhs Sum insured – Rs. 500 per day, maximum 5 days per hospitalization
Vaccination coverUp to Rs. 10,000 (Applicable for sum insured Rs. 1crore and above)
Optional Covers
Reduction in PED Waiting PeriodOption to reduce to 24 Months
Unlimited Reload of Sum Insured100% of the sum insured (Unlimited times)
Super No Claim BonusAdditional 50% of sum insured per annum, maximum up to 100% of sum insured

Accidental Hospitalisation Booster

(Not available above Rs. 1crore sum insured)

100% of the sum insured

Cancer Hospitalisation Booster

(Not available above Rs. 1crore sum insured)

100% of the sum insured
Any Room UpgradeAvailable with sum insured Rs. 5 lakhs
Preferred Provider Network (PPN) Discount10% discount available

Key Highlights of Aditya Birla Activ Assured Diamond

Apart from the above basic covers and optional covers, this plan has come up with several additional and also value-added benefits and facilities that have made the policy unique and popular among the consumers. The followings are the mentions.

Health Assessment and Health Coach:

These facilities fall under the category of value-added services. These make you eligible to avail of a health coach and to assess your health conditions regularly. Thus, this policy always tries to keep your healthy and sound.

Rewards:

An insured person can earn up to 30% of your premium as HealthReturns by just completing 13 Activ Days every month. You are also eligible to earn up to 6% of your premium as HealthReturns by just completing 4 Activ Days.

Reload 150%:

Even if your Sum Insured gets insufficient, the company will reload your sum insured amount by another 150% for a subsequent and unrelated illness. It is one of the basic covers of the plan.

No Claim Bonus (NCB):

With this plan, you are eligible to get an additional 10% added to your sum insured as a Bonus for each claim free year that is subject to a maximum limit of up to 50% of your sum insured.

Health Check-up Program:

This plan helps you to keep track of your health and lifestyle with a comprehensive health check-up for you and your family every policy year, at no additional cost.

Second E-Opinion on Critical Illnesses:

Sometimes, when we face major critical illnesses such as kidney failure or cancer, we seek to have a second medical opinion. For this reason, the company allows you to have a second e-opinion through a consortium of well-qualified international specialists. This facility is available for 15 listed critical illnesses.

Domestic and International Emergency Assistance Services:

For emergency medical transportation of the patient, the policy offers emergency assistance services that include the air ambulance cover.

Several Discounts:

The following table details the various discounts available under this policy:

Long term discounts (Only in case of single premium policies)Family discounts
7.5% discount for a 2 years policy5% discount for a multi-individual policy for 2-3 members
10% discount for a 3 years policy10% discount for a multi-individual policy for 4+ members

General Exclusions of Aditya Birla Activ Assured Diamond

Understanding a policy remains incomplete if you do not go through the exclusions of the policy thoroughly. Therefore, to avoid future complications and to offer you a comprehensive idea of the policy, here are the general exclusions of the Aditya Birla Activ Assured Diamond policy.

  • Anything that does not satisfy the terms and conditions of the policy or the company falls under the category of exclusions.
  • Any kind of breach of the law will not be entertained by the company.
  • The policy does not provide any coverage if the claim is raised against a benefit that is still within the waiting period.
  • Self-inflicted injury, suicide, or suicide attempt will not be covered by the policy.

Premium Calculation of Aditya Birla Activ Assured Diamond

After knowing all the details of the policy, the next important thing is to know the premium amount that you have to pay to avail of the benefits of the policy. To make it more understandable to you, here are 3 examples that exemplify three different situations.

Case 1:

Suppose Mr. Bose, a 36-years old businessman, bought Aditya Birla Activ Assured Diamond Plan for himself. Let us find out how much premium amount he has to pay for the given data.

ParametersCredentials
Age36 years
GenderMale
Policy typeMulti-individual
Cover forSelf
Policy tenure1 year
Sum insuredRs. 10 lakhs
Optional coverUnlimited reload of sum insured
Premium amount including GSTRs. 9861 per annum

Case 2:

In this case, suppose Mr. Anand, a 36-years old, Kolkata-based serviceman wants to include his wife in the same policy. The following table gives you an idea of how much premium value he will pay for the chosen details.

ParametersCredentials
Age

Self – 36 years, Spouse – 34 years

Policy typeFamily floater policy
Cover forSelf and spouse
Sum insuredRs. 15 lakhs
Policy tenure2 years
Optional coverUnlimited reload of sum insured
Premium amount including GSTRs. 38,153 per annum

Case 3:

In this situation, Mr. Agarwal, a 36-years old, government employee, bought the same policy. But he has included his wife and his child as well. Now, let us calculate the premium value that he has to pay against the policy for the chosen credentials,

ParametersCredentials
AgeSelf – 36 years, Spouse – 34 years, Child – 4 years
Policy typeFamily floater policy
Cover forSelf, spouse, and child
Sum insuredRs. 20 lakhs
Policy tenure3 years
Optional coverUnlimited reload of sum insured
Premium amount including GSTRs. 75,670 per annum

Frequently Asked Questions

Earning HealthReturns under this policy is very easy and simple. For that, you have to download the Health Activ App. Then, you need to find out your Healthy Heart Score. Take the Health Assessment by calling the insurer’s call center and get the score that indicates how healthy you are. 1 active day means 10,000 steps per day or 300 calories burned, or 30 minutes of a gym session. Or, else you can also do a fitness assessment test every 6 months.

You can use your HealthReturns in the following ways:

  • To pay your next policy premium.
  • To buy medicines.
  • To pay for diagnostic tests.
  • Or else, you can keep it like a fund for any health contingency.

Yes, this plan offers both reimbursement and cashless claim procedures.

Yes, the policy covers the medical expenses that arise out of Covid-19 cases.

With this optional cover, you are eligible to get coverage for the expenses arising out of hospitalization due to cancer treatments such as ICU charges, operation theatre charges, medical practitioner’s fees, qualified nurse charges, medicine, tests, anesthesia, blood, oxygen blood transfusion charges.

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