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Aditya Birla Capital LimitedAditya Birla Capital Limited (“ABCL”) is a listed systemically important non-deposit taking Non-Banking Financial Company (NBFC) and the holding company of the financial services businesses. Through its subsidiaries/JVs, ABCL provides a comprehensive suite of financial solutions across Loans, Investments, Insurance, and Payments to serve the diverse needs of customers across their lifecycles. Over 1,482 branches and more than 200,000 agents/channel partners along with several bank partners.
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1,482
No. of Employees
59,000
Agents/Channel Partners
2,00,000+
Aggregate Assets
INR 3,550 Billion
Active Customer Base
39 Million
Consolidated Lending Book
INR 699 BillionCorporate Governance Policies
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Activ Assure Diamond
- HealthReturns™ rewards upto 30% of premium
- Reload of sum insured
- Optional Super No Claim Bonus
Why buy Activ Assure Diamond Plan?
As healthcare costs keep going up, having health insurance is crucial for your well-being. If you're looking for a budget-friendly and comprehensive health insurance plan, consider Activ Assure Diamond. It's an excellent way to protect your family's health without worrying about rising medical expenses.
- Get 150% Reload of Sum Insured, max up to ₹50 Lakhs
- Covers listed modern treatment methods
- Provides International emergency assistance services
How Does Activ Assure Diamond Plan work?
She is at the peak of her career and doesn’t want her work to affect her health.
Arundhati bought the Activ Assure Diamond Policy that encouraged her to stay active and rewarded her for it as well.
A few years later, she had a small fall and sprained her ankle. Her health insurance covered the treatment cost but she had to pay for some out-of-pocket charges that the plan didn’t cover.
Thankfully, being an active person, Arundhati had collected a lot of HealthReturns™ points in the previous year.
She used HealthReturns™ to pay for these expenses and didn’t have to pay any money at all.
What's Included?
HealthReturns™
Earn up to 30% of your premium back by embracing a healthy life.
Day Care Treatment Covered
Get coverage for day care procedures that require less than 24 hours of hospitalisation.
International Emergency Assistance Services
Get secure transportation to a hospital and back home during emergencies anywhere
Annual Health Checkup
Get a free comprehensive health check-up for you and your family, every policy year.
Sum Insured Reload
Get up to 150% of the sum insured refilled, maximum up to ₹50 lakhs, if it is exhausted in a policy year.
Listed Modern Treatment Methods
Get access to new-age treatments like robotic surgeries and oral chemotherapy among others.
No Room Rent Capping
Get admitted to a hospital room of your choice (Only for plans with sum insured of ₹7 lakhs and above)
Accidental Hospitalisation Booster
Get an additional 100% sum insured in the case of hospitalisation due to an accident (not available above 1cr Sum Insured).
What's Not Included?
No claims can be made during the waiting period.
No cover on expenses related to diagnostic and evaluation purposes.
No cover if there’s an attempt at suicide or self-inflicted injuries
No coverage is paid out if the death is due to alcohol, hazardous activity, acts of war, or childbirth.
No coverage for non-allopathic treatments.
Get Started With Activ Assure Diamond Plan
How to buy?
- Assess your needs and check the plan on the ABC website.
- Carefully go through coverage and exclusions.
- Share your details, select coverage, term etc.
- Make the payment and enjoy your newfound peace.
How to renew?
- Visit the policy renewal page on the website.
- Enter your policy number and personal details.
- Check the renewal amount displayed.
- Make payment via the preferred mode and you are done.
- You will receive a confirmation email of the successful policy renewal.
How to claim?
- Intimate the insurer before your hospitalisation or as soon after as possible.
- Gather all required documents - policy, hospital bills, doctor’s notes etc.
- Visit the claims section on the website.
- Provide basic details about the policy and the policyholder.
- Submit the required documents and we’ll get back to you.
Check Your Eligibility
Check your eligibility and take the first step towards financial security
Eligibility Criteria
- Family floater minimum age 91 days for dependent children and 18 years for adults
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Individual plan
minimum age 5 years - Maximum age 65 years
- Medical tests May be required depending on age
- Smoking habits Affect your premium
Waiting Period
- Initial Waiting Period: 30 Days (not applicable in case of an accident)
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Specified Diseases or
Procedures: 48 months - Pre-Existing Diseases: 48 months
-
Listed Illness/Procedure
Waiting Period: 24 Months
Additional Covers For Extra Protection
Customer Satisfaction Stories
Don’t just take our word for it. Hear from our customers about their successful financial journey with us
Aditya Birla Health Insurance
Staying healthy has become a way of life. I really enjoy using the Activ Health app that gives all my health solutions at one place.
Aditya Birla Health Insurance Customer
Noida, India
Aditya Birla Health Insurance
Aditya Birla Health Insurance has been my companion in my weight loss journey of losing 17 Kgs and helping me stay disease-free. Health Returnsᵀᴹ keeps my whole family motivated to be active and stay fit and each person can do the exercise of their choice
Aditya Birla Health Insurance Customer
Delhi, India
Aditya Birla Health Insurance Customer
ABCD - One app for all your insurance needs
With a few clicks on the ABCD app, you can get financial protection against medical emergencies with a health insurance plan.
-
Comprehensive coverage against illnesses and injuries -
Digital purchase process
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Low and affordable premiums with one-click payments
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Understanding Activ Assure Diamond Plan
What is the Activ Assure Diamond Plan?
- A budget-friendly health and wellness plan offering comprehensive coverage.
- Receive upto 150% Sum Insured reload even when yours gets exhausted.
- Access to a health coach for better lifestyle management to take care of listed chronic condition.
- Get additional benefits like No Claim Bonus, and International Emergency Assistance.
- Services, Domestic Emergency Assistance Services etc.
How to earn HealthReturns™?
- Step 1: Download the Activ Health App
- Step 2: Schedule your Health Assessment
- Step 3: Stay active and track your steps to get Activ Dayz™
1 Active Dayz™ = 10,000 steps or 300 calories burned - Step 4: Complete 325 Active Dayz™ in a year to get upto 100% HealthReturns™
- Step 5: Redeem your HealthReturns™and use it to pay your next policy premium
Why invest in the Activ Assure Diamond Plan?
Extensive Coverage
This policy provides protection for you and your family, offering a wide range of sum insured options.
Sum Insured Reload Benefit
The policy includes upto 150% sum insured reload benefit, ensuring you have extra coverage when you need it most.
Health Coach Benefit
You can access a health coach sessions focused on managing listed chronic illnesses.
24/7 Customer Support
Enjoy the convenience of round-the-clock helpline and customer care services.
Super NCB Add-On
Enhance your No Claim Bonus (NCB) with the Super NCB optional cover, allowing you to maximise the accumulated benefits for responsible insurance usage.
What are the optional covers in this plan?
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Accidental Hospitalisation Booster
Get 100% of the Sum Insured.
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Cancer Hospitalisation Booster
Get 100% of the Sum Insured
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Super No Claim Bonus
Get an additional 50% of the Sum Insured per annum and maximum up to 100%
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Reduction in PED Waiting Period
Change your pre-existing disease waiting period to 24 months from 48 months
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Any Room Upgrade
Choose the room of your choice when the Sum Insured is ₹5 Lakh
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Preferred Provider Network (PPN) Discount
Get upto 10% discount
What are the value-added services included in the plan?
Health Assessment™
Measuring MER including BP, BMI, HWR and smoking status, blood sugar and total cholesterol.
HealthReturns™
Get rewarded for staying physically fit and use the earned HealthReturns™ points to buy medicines, cover co-pay and more.
Health Coach
Receive coaching from an expert on better lifestyle management to take care of your listed chronic conditions.
What is the free-look period for this plan?
- If you cancel during the free look period (15 days for offline, 30 days for online), you'll get your premium back minus the expense to the company.
- Deductions may include expenses during coverage, stamp duty, and the number of insured days.
- If cancelled after the free-look period, refunds are 75% within 1 month, 50% within 3 months, and 25% within 6 months.
FAQs on Activ Assure Diamond Plan
- HealthReturns™: Earn up to 30% of your premium back by embracing a healthy life.
- Day Care Treatment Covered: Get coverage for procedures that require less than 24 hours of hospitalisation.
- International Assistance: Get secure transportation to a hospital and back home during emergencies anywhere.
- Annual Health Checkup: Get a free comprehensive health check-up for you and your family, every policy year.
- Sum Insured Reload: Get up to 150% of the sum insured refilled if it is exhausted in a policy year up to a maximum of ₹50 lakhs.
- Listed Modern Treatment Methods: Get access to new-age treatments like robotic surgeries and oral chemotherapy among others.
- No Room Rent Capping: Get admitted to a hospital room of your choice (Only for plans with a sum insured of ₹7 lakhs and above)
- Accidental Hospitalisation Booster: Get an additional 100% sum insured in the case of hospitalisation due to an accident.
- In-Patient Hospitalisation: Get coverage on various costs, including consultation fees, nursing fees, room rent, operating theatre charges, medication costs, and more.
- Pre and Post-Hospitalisation Medical Expenses: Covered expenses for consultations or diagnostic tests before hospitalisation extend up to 30 days and 60 days, respectively.
- Up to 100% Ambulance Cover: The policy covers the cost of transportation to a hospital by road.
- Domiciliary Hospitalisation: Expenses arising from receiving treatment at home for a duration exceeding three consecutive days are covered.
- Organ Donor Expenses: Get coverage on organ harvesting within your sum insured amount.
- AYUSH In-Patient treatment: Get coverage for in-patient treatment, encompassing Ayurveda, Yoga and Naturopathy, Unani, Siddha, Homeopathy, etc.
- Hospital Allowance: Get ₹500 as a daily cash benefit for a maximum of 5 days during hospitalisation if you choose a sum insured of ₹2, 3 or 4 lakhs.
- Second E-Opinion: In the case of 15 listed Critical Illnesses such as cancer or kidney failure, obtaining a second opinion is crucial. This policy covers the costs incurred for consulting with a qualified specialist to seek a second opinion.
- Discount On Premium: Get a 7.5% discount on a 2-year policy and a 10% discount on a 3 year policy respectively.
- Super NCB: With this optional benefit, you can double your sum insured in 2 claim-free years.
Yes, you can also choose the hospital room category from economy to any room with any room upgrade optional cover.
This feature is only available for upto 15 listed illnesses. Please check the policy wording document to see the list.
You have the option to buy the policy for yourself, covering your spouse, up to four children, as well as your parents and your spouse's parents.
Yes, you can. If you opt for an optional cover for a reduction in the PED waiting period, the duration of the waiting period can be reduced to 24 months from 48 months.
Aditya Birla Health Insurance Co. Limited. IRDAI Reg.153. CIN No. U66000MH2015PLC263677. Address:- 9th Floor, Tower 1, One World Centre, Jupiter Mills Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai 400013. Email: care.healthinsurance@adityabirlacapital.com Website: adityabirlahealthinsurance.com Fax: +91 22 6225 7700 Phone: 1800 270 7000. For more details on risk factors, terms and conditions please read policy wording carefully before concluding a sale. Trademark/Logo Aditya Birla Capital is owned by Aditya Birla Management Corporation Private Limited and Trademark/logo HealthReturns™, Healthy Heart Score and Active Dayz are owned by Momentum Metropolitan Life Limited (Formerly known as MMI Group Limited). These trademark/Logos are being used by Aditya Birla Health Insurance Co. Limited under licensed user agreement(s). Product and UIN. 1. Group Activ Health ADIHLGP22190V032122. 2. Group Activ Secure ADIHLGP23155V032223. Activ Health ADIHLIP24102V052324 4. Activ Secure (ADIHLIP18076V011718); 5. Activ Assure ADIHLIP23130V042223; 6. Activ Care, Product UIN: ADIHLIP21062V022021 7. Group Activ Travel, Product UIN : ADITGBP21600V032021. 8. Acitv Fit, Product UIN : ADIHLIP22008V012223.,9. Activ One (ADIHLIP24097V012324) 10. Super health top up (ADIHLIP21061V022021) 11. Group Protect (ADIHLGP22023V032122) 12. Group Travel Protect (ADITGBP21600V032021) 13. Global Health Secure (ADIHLIP21069V022021) 14. Arogya Sanjeevani Policy (ADIHLIP20170V011920) Tax benefits are subject to changes in tax laws. Please consult your tax advisors for tax benefits. Health Insurance. T&C Apply.
Benefits are conditional to SI/Plan opted,Please refer the PW/PBT for more details