Activ Assure Diamond Aditya Birla Health Insurance

4.5

Paybima Rating

Policy Brochure

Policy Wording

Claim Form

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!

Get all your insurance related queries answered

Aditya Birla Activ Assure Diamond: Highlights

The table below contains some of the highlights of Aditya Birla Activ Assure Diamond Plan:

Particulars	Details
Policy Name	Activ Assure Diamond Health Insurance Plan
Insurance Company	Aditya Birla Health Insurance Co. Limited
Sum Insured Options	₹2 lakhs to ₹200 lakhs
Add-ons	Unlimited Reload of the Sum Insured Super No Claim Bonus (for plans with less than ₹1 cr sum insured)Accidental Hospitalisation BoosterCancer Hospitalisation Booster (for plans below ₹1 cr coverage)Any Room UpgradePreferred Provider Network (PPN) Discount
Entry age	91 days for a family floater plan and 5 years for individual plans No cap on the maximum entry age
Waiting period	30 days initial waiting period 24 months for specific diseases36 months for pre-existing diseases
Network hospital	11000+
Best suited for	For both individuals and families

Wish to Enhance Your Coverage? Take a look at the Riders Available with Aditya Birla Activ Assure Diamond

Aditya Birla Activ Assure Diamond allows you to purchase additional add-ons to enhance the policy's coverage further. The table below contains details of the various add-ons:

Add-on Covers	Details
Unlimited Reload of the Sum Insured	Restore 100% sum insured by the policy as many times as you need
Super No Claim Bonus	Get 50% sum insured amount as an additional benefit per annum. A maximum 100% additional sum insured amount can be claimed. Note: This add-on is not available for sum insured above ₹1 crore
Accidental Hospitalisation Booster	Restore 100% sum insured by the policy as many times as you need
Cancer Hospitalisation Booster	Boost 100% sum insured amount of the policy with an accidental hospitalisation booster. Note: This add-on is not available for sum insured above ₹1 crore
Any Room Upgrade	Upgrade your room access feature with any room upgrade add-on. Note: The add-on is available with a sum insured amount of ₹5 lakhs

Disclaimer

* The accumulated No Claim Bonus (NCB) shall not exceed 50% of the Sum Insured on the Renewed Policy. In the event of a claim that impacts the NCB eligibility, the accumulated NCB shall be reduced by 10% of the Sum Insured at the commencement of subsequent Policy Year.
# Expenses related to the treatment of a pre-existing Disease (PED) and its complications shall be excluded until the expiry of 48 months of continuous coverage after the date of inception of the first policy

(For Detailed Information Refer to the Policy Wording)

Features and Benefits of the Aditya Birla Activ Assure Diamond

For a deeper understanding, here is a quick insight into the various benefits and features of the Aditya Birla Activ Assure Diamond plan:

Hospitalisation Benefits

The policy covers you for high-quality and modern treatments at hospitals. Not only this, AYUSH treatment expenses and daycare treatments are also covered. There is no cap on the room rent charges, making it easier to get long-term healthcare. Along with physical injuries and diseases, mental illness treatments are also covered.

Wellness Benefits

You also get wellness benefits with the Aditya Birla Activ Assure Diamond Policy. It includes:

Health coach
Annual health check-ups
Health returns

360-degree Coverage

In-patient hospitalisation
ICU charges (₹2 lakhs to ₹5 lakhs and above)
Pre and post-hospitalisation expenses (30 days and 60 days, respectively)
Domiciliary hospitalisation
Daycare expenses (586 conditions)
Road ambulance cover
Organ donor expenses
Vaccination cover
Daily allowance
AYUSH treatments
No claim bonus
Annual health check-ups
Second opinion cover
Domestic emergency assistance services
Air ambulance

Optional Covers

In addition to the basic coverages, you can also purchase optional coverages that are included in the policy. For these, additional premiums may be charged. Some of these optional covers are:

Unlimited Reload of the Sum Insured
Restore 100% of the sum insured amount as many times
Super No Claim Bonus
Get 50% of the additional sum insured annually. Maximum 100% sum insured can be claimed
Accidental Hospitalisation Booster
Using this add-on, you can boost 100% of the sum insured amount.
Cancer Hospitalisation Booster
Get 100% sum insured amount with cancer hospitalisation booster add-on cover
Any Room Upgrade
This add-on lets you access any hospital room during hospitalisation and the expenses are managed by your insurer. This add-on is available with a sum insured of ₹5 lakhs and above.

The Peace of Mind

With a comprehensive health insurance policy like Aditya Birla Activ Assure Diamond, you get the much-needed peace of mind. With a high sum insured amount, you don't need to worry about the medical expenses that may arise. Since health is unpredictable, it is important to be well-prepared for it.

Aditya Birla Activ Assure Diamond: Eligibility Criteria

Before purchasing the Aditya Birla Activ Assure Diamond, review the policy's eligibility criteria. These are:

Entry Age (Minimum)

The entry age (minimum) in an individual policy is 5 years
The entry age (minimum) in a family floater policy is 91 days to 5 years. Children up to 25 years of age can be covered in a family floater policy.
There is no cap on the maximum entry age for the Aditya Birla Activ Assure Diamond Policy.

Aditya Birla Activ Assure Diamond: What is Covered?

It is a must to understand the inclusions of a health insurance policy. It helps you better understand your policy and take full advantage of its benefits. The coverages under Aditya Birla Activ Assure Diamond are:

In-patient Hospitalisation

Hospitalisation that exceeds 24 hours is referred to as inpatient hospitalisation. Aditya Birla Activ Assure Diamond covers inpatient hospitalisation expenses. In a planned hospitalisation, the insurer must be informed 48 hours before hospitalisation. In an emergency hospitalisation, you must inform them within 24 hours.

Pre-hospitalisation

Prior to hospitalisation, the medical expenses at home are also covered. It is covered for up to 30 days prior to hospitalisation.

Post-hospitalisation

After returning home from the hospital, the medical expenses incurred for up to 60 days are covered.

AYUSH Treatments

AYUSH treatments (Ayurveda, Yoga, Unani, Siddha, and Homoeopathy) are also covered in the policy.

Daycare Treatments

Treatment that does not require hospitalisation is known as daycare treatment. 586 such treatments are covered in the policy.

Air Ambulance

The cost of an air ambulance is also covered.

Room Rent Charges

The room rent charges during hospitalisation is also covered. You can enhance the coverage with add-ons.

Pre-existing Diseases

Pre-existing diseases are conditions that may exist in a person before purchasing the policy. Such conditions are also covered.

Annual Health Check-Ups

Get access to quality health check-ups on an annual basis.

Mental Health Cover

The policy also covers mental health treatment expenses.

Domiciliary Treatments

Treatments done at home are domiciliary treatments. Such expenses are also covered.

Second Medical Opinion

You can seek a second medical opinion with the Aditya Birla Activ Assure Diamond Policy.

Organ Donor Expenses

In case of organ donation, the expense of the organ donor is also covered.

Aditya Birla Activ Assure Diamond: What is Not Covered?

Not everything is covered under a health insurance plan. Some conditions remain uncovered. In the case of the Aditya Birla Activ Assure Diamond plan, the exclusions are:

Cost of Surgicals

Expenses on non-medical parts like syringes, surgicals, etc,. are not covered

Self-inflicted Injuries

Any intentional injuries to the body, including suicide, are not covered

Maternity Expenses

The policy does not cover maternity-related expenses

Fertility Treatment

Any medical expense arising due to fertility treatment is not covered

Cosmetic Treatments

Cosmetic treatments are not a medically required treatment, and so, it is not covered

Intoxication/drug abuse

Accidents or injuries due to drug abuse or the use of substances are not covered in the policy.

Pros & Cons Activ Assure Diamond Aditya Birla Health Insurance

The Activ Assure Diamond plan is a comprehensive policy allowing coverage against hospitalization expenses

The plan allows the insured to double their sum insured in two-years with its Super No Claim Bonus feature

Activ Assure Diamond plan is a new-age plan that provide coverage for most modern treatment methods

This is an affordable plan that protect your entire family under a single policy

30 days of pre-hospitalization and 60 days of post-hospitalization option is also offered under the Aditya Birla Activ Assure Diamond plan

Aditya Birla Activ Assure Diamond plan exclude coverage on treatment in case of injury caused by war, uprising, riot, and so on

If an injury is caused due to breach of law with criminal intention or in case of intentional self-inflicted injury, which led to the hospitalization, the plan does not cover the same

If the treatment expenses is caused because of an injury due to abuse or its consequences, or due to the use of intoxicating substances, the policy will not cover it

Further, cosmetic and aesthetic treatments as well as hearing aids and optometric therapy etc. are also not covered under the plan

Our verdict

Aditya Birla Activ Assure Diamond is a comprehensive health insurance plan. Whether for an individual or a family, this policy serves the needs. The company has a high claim settlement ratio of 92.97% (as of 2025). Such a high claim settlement ratio means you have high chances of easy and successful claim settlement. So far, Aditya Birla Health Insurance Company has insured 2.5 lakhs people and the customer base is only expected to increase in the future.

If you haven’t done it already, get your health insurance policy from Paybima today!

Speak to an Advisor

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.

Founded in

2015

Number of Claims

20.5+ Lakh

Number of Policies

2.5 Crore+ lives covered

Turnover (GWP)

Rs. 2,399 Crore

JV Partners

JV between Aditya Birla Capital Ltd. (ABCL) and MMI Holdings of South Africa

Claims Experience

Claims Experience Rating 4.7

% of claims settled in less than 30 days
Reflects on the speed of settling valid claims

98.61%

% of Complaints received on overall claims
% customers unhappy with claims experience

0.24%

Claims Incurred Ratio

72.71%

Claim Settlement Ratio (No. of claims)

96%

No. of Cashless Hospitals

11,000+

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

Top Health Insurance Plans by Aditya Birla

Activ Fit

Activ Health - Platinum

Hand-hold by our expert advisor till making the right choice

Meet In Person Talk to an Advisor

70% of customers choose our advisor support for better coverage clarity.

Paybima Trusted by Millions of Customers

4.5

40+ Insurers

Wide range of trusted providers

560+ Advisors

Expert guidance at every step

31 Stores

Personalized service across India

Ask Anything as We Have Answers to Everything in Insurance

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.