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Reviewed by Finzony Finance TeamLast updated:
Activ Assure Diamond is a comprehensive health insurance plan designed for individuals and families who want broad hospitalisation protection along with wellness benefits. It offers Sum Insured options ranging from ₹2 lakh to ₹2 crore, 586 listed daycare procedures, organ donor expenses, domiciliary hospitalisation, AYUSH treatment and a 150% reload benefit subject to policy conditions. The plan also provides annual health check-ups and HealthReturns of up to 30% of premium.
A budget-friendly comprehensive health plan with up to 30% HealthReturns, 150% Sum Insured reload, annual health check-up and 586 daycare procedures.
Activ Assure Diamond is particularly useful for buyers who want a straightforward comprehensive policy without moving into the higher-priced feature set of premium plans. Its combination of 150% reload, no-claim bonus, daycare coverage and wellness rewards gives it strong everyday value. However, buyers should pay attention to room eligibility, waiting periods, benefit limits and exclusions because the actual payable claim depends on the selected Sum Insured and policy wording.
Aditya Birla Health Insurance
Key Insights
Founded
2015
Aditya Birla Health Insurance was established 11 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
95.8% CSR, calculated as a 3-year average
Aditya Birla Health Insurance settles 95.8% of all claims it receives, demonstrating strong credibility.
Network Hospitals
13,000+
Aditya Birla Health Insurance has a network of 13,000+ hospitals, ensuring wide accessibility and convenience for policyholders.
Earn up to 30% of eligible premium through the HealthReturns wellness programme.
Subject to programme rules and qualifying activity.
Reload of up to 150% of the Sum Insured is available for eligible subsequent and unrelated illness claims.
Maximum reload is subject to policy limits.
Covers eligible room rent, doctor fees, operation theatre expenses, medicines, drugs and other covered hospitalisation expenses.
Subject to Sum Insured and room eligibility.
Covers 586 listed daycare procedures that do not require a continuous 24-hour hospital stay.
Covered subject to policy conditions.
Eligible medical expenses incurred before hospitalisation are covered for up to 30 days.
Claim must be admissible under the main hospitalisation benefit.
Optional wellness support for monitoring and managing mental health, including assessment, stress management, consultations and activity tracking.
Optional benefit subject to applicable premium and terms.
Get a second medical opinion from specialists for eligible listed critical illnesses.
Available for the listed critical illnesses under the plan.
Initial waiting period: 30 days, except accidental injury. Specified diseases and procedures generally have a 24-month waiting period, while pre-existing diseases generally have a 36-month waiting period.
Initial Waiting Period
A 30-day initial waiting period generally applies, except for accidental injury.
Specified Diseases & Procedures
Specified diseases and procedures are generally subject to a 24-month waiting period.
Pre-Existing Diseases
Pre-existing diseases are generally subject to a 36-month waiting period.
Subsequent Renewals
Waiting periods already served continue to be recognised on renewal subject to the policy terms and continuity conditions.
Conditions or treatments that the policy clearly says it will not cover.
Activ Assure Diamond is primarily a comprehensive hospitalisation plan rather than a dedicated chronic-care product. Its coverage is focused on eligible inpatient treatment, daycare procedures, domiciliary hospitalisation, AYUSH treatment, organ donor expenses and related medical expenses. The plan also provides access to a second e-opinion service for listed critical illnesses.
Insurer
Aditya Birla Health Insurance plans and claim process
Activ Assure Diamond is a comprehensive health insurance plan from Aditya Birla Health Insurance offering hospitalisation, daycare, wellness and additional assistance benefits.
The plan offers Sum Insured options ranging from ₹2 lakh up to ₹2 crore, depending on the available policy variant.
Eligible policyholders can earn HealthReturns of up to 30% of the applicable premium under the wellness programme.
Disclaimer: Premium amounts are indicative and may vary based on age, health, and plan selected. Claim settlement ratios are from IRDAI Annual Reports. Finzony is not an insurance broker or agent. Verify all details on the official Aditya Birla Health Insurance website before purchasing.
Contact Details
1800 270 7000
Headquarters: 9th Floor, Tower 1, One World Centre, Jupiter Mills Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai – 400013, Maharashtra, India.
The aforementioned ratios have been averaged over three years (FY24-FY26)
Additional accidental protection can be selected where offered under the applicable product configuration.
Subject to availability and policy terms.
Additional critical illness protection can be considered separately where available under the insurer product range.
This is separate from the standard hospitalisation cover.
Eligible wellness services and rewards can be accessed through the Activ Health ecosystem.
Exact services depend on the applicable programme.
If the Sum Insured becomes insufficient, the plan can reload up to 150% of the Sum Insured for eligible subsequent and unrelated illness claims, subject to policy conditions.
Yes. The plan adds 10% of Sum Insured for every claim-free year, with the cumulative bonus capped at 50% of Sum Insured.
The plan covers 586 listed daycare procedures subject to the applicable policy conditions.
Yes. Eligible pre-hospitalisation medical expenses are covered for up to 30 days before hospitalisation.
Yes. Eligible post-hospitalisation medical expenses are covered for up to 60 days after discharge.
Yes. Eligible domiciliary hospitalisation can be covered when the treatment satisfies the policy requirements.
Yes. Eligible AYUSH inpatient hospitalisation is covered, with limits depending on the selected Sum Insured.
Yes. Eligible organ donor expenses are covered up to the applicable Sum Insured subject to policy conditions.
The standard initial waiting period is 30 days, except for treatment arising from accidental injury.
Pre-existing diseases generally have a 36-month waiting period, subject to applicable policy terms.
Specified diseases and procedures generally have a 24-month waiting period.
Yes. An annual health check-up benefit is available for eligible insured members under the plan.
HLTH Meter is an optional wellness feature designed to help monitor and manage mental health through assessment, stress management, consultations and activity tracking.
Yes. A second e-opinion is available for listed critical illnesses through the insurer’s specialist network.
Yes. Domestic and international emergency assistance services, including air ambulance support, are available subject to the applicable service terms.
The maximum age at entry is 65 years. Minimum entry age varies depending on whether the policy is individual or family floater.
Yes. The family floater configuration can cover the self, legally wedded spouse and eligible dependent children, subject to the product rules.