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With the Activ Assure Diamond + Super Health Top Up plan, you not only purchase an insurance policy; you invest in a curated combination of two plans, that provides comprehensive protection to you and your loved ones. It is designed to offer extensive coverage, access to the best medical treatment, and a substantial coverage buffer.
Sagar bought the Activ Assure Diamond + Super Health Top Up plan B (combo plan), on a family floater basis Self & Spouse, to cover unplanned medical emergencies.
The sum assured under the base health plan was ₹3 lakhs. For the super top-up plan, the sum assured was ₹5 lakhs and the deductible limit was ₹3 lakhs.
After a few months, Sagar suffered an accident and incurred a medical bill of ₹2 lakhs. His base health policy of ₹3 lakhs covered this bill.
A few months later, his spouse fell ill and incurred a medical bill of Rs.4 lakhs. Since Sagar had used up the coverage of ₹2 lakhs, the base plan had a remaining sum assured of ₹1 lakh.
However, his combo plan came in handy to cover his spouse’s medical bills. The plan paid the remaining ₹3 lakhs and Sagar was able to cover the medical costs.
No claims can be made during the waiting period.
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 cover on expenses related to diagnostic and evaluation purposes.
No coverage for non-allopathic treatments, Parkinson's, stem cell therapy or venereal diseases.
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With a few clicks on the ABCD app, you can get financial protection against medical emergencies with a health insurance plan.
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The combo plan ensures you have a 360-degree coverage.
Ensures you don’t need to dig into your savings to pay for a medical emergency.
Offers increased coverage at higher ages without re-evaluating your health.
Choose a hospital room of your choice and the plan will cover it.
Get discounts on outpatient consultations, diagnostics, and pharmacy purchases.
Typically lasts for a month after policy purchase where no claims are accepted except accidental cases.
These are ailments that were there at the time of the purchase of the plan. These claims are not accepted for 3 years since the purchase.
In some cases, specific medical procedures or surgeries may have their own waiting periods, even if the policy as a whole is in effect.
For a 2 year policy period - 7.5% discount
For a 3 year policy period – 10% discount
If the insured person joined this policy before turning 50 and has continuously renewed it for 5 years without a break.
The option to waive the deductible is available when the eldest insured member is between 55 and 60 years old.
Choosing the deductible waiver results in continuity of coverage, including the waiver of waiting periods for the covered benefits under the policy.
If you cancel during the free look period (15 days for offline, 30 days for distant marketing mode, you will get your premium back minus the expense to the insurer.
Deductions may include expenses during coverage, stamp duty, and the number of insured days.
The premium starts at ₹10,768/year.
The sum insured is ₹1 crore which can be taken in any of the following combinations –
For more exclusions, please refer policy wordings.
With a rising interest in alternative healthcare approaches, health insurance with AYUSH treatment coverage allows you to choose holistic healing methods. It covers your expenses for alternative treatments in Ayurveda, Yoga, Siddha, Unani, and Homeopathy. You can also include AYUSH treatment coverage in your health plan as a proactive step toward preventive healthcare and overall wellness.
Yes, medical expenses related to the organ donor's organ harvesting, within the specified limits, are included in the coverage.
Here is the list of documents that you need to raise a claim request
Claim form (the insured will fill the part A and the hospital will fill the part B of the form)"
Issued Health Card
Valid ID proof (PAN, voter ID, passport)
Original discharge summary
Original hospital bills and payment receipts
All doctor consultation paper
FIR copy or post-mortem report in case of an accident or death
Aditya Birla Health Insurance Co. Limited. IRDAI Reg.153. CIN No. U66000MH2015PLC263677. Product Name: Activ Assure, Product UIN: ADIHLIP23130V042223, Advertisement UIN: ABHI/LF/20-21/3131. Address:- 9th Floor, Tower 1, One Indiabulls Centre, Jupiter Mills Compound, 841, Senapa ti Bapat Marg, Elphinstone Road, Mumbai 400013. Email: care.healthinsurance@adityabirlacapital.com, Website: adityabirlahealthinsurance.com, Telephone: 1800 270 7000, Fax: +91 22 6225 7700. For more details on risk factors, terms and conditions please read terms and conditions 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). Coronavirus is covered for Inpatient treatment as per the policy wordings of the product. *Optional feature. # Where claim is accepted by the Company under In-patient hospitalisation/ Domiciliary hospitalisation/Day care treatment.
Benefits are conditional to SI/Plan opted, please refer the PW/PBT for more details