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Aditya Birla Health Insurance’s Activ Assure – Diamond Plan
PROTECTING your health is our priority while we also protect your finances
Features & Benefits
In Patient Hospitalization
- Expenses covered like room rent, doctor’s fee, operation theatre expenses, medicines, drugs and other consumables under the policy as per eligibility including COVID-19 Hospitalization expenses
Reload of Sum Insured
- In case of Sum Insured with no claim bonus (if any) super NCB (if opted), cancer hospitalization booster (if opted), accidental hospitalization booster (if opted) is
HealthReturnsTM
- Earn upto 30% HealthReturnsTM for staying fit and healthy and use it towards your health expenses*. Refer to policy document for more details
Modern Treatment Methods
- New-age Treatments such as Robotic Surgeries, Oral Chemotherapy, Balloon Sinuplasty covered. * Refer to policy document for more details
AYUSH In-patient treatment
- We will pay you as per your eligibility, for medical expenses incurred by you towards your in-patient hospitalization under AYUSH(Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy) treatment
No Claim Bonus
- With our policy, you get benefits even if you do not claim. We will provide you with a No Claim Bonus which is 10% of Sum Insured for each expiring policy year that you
Reload of Sum Insured
No Claim Bonus
Eligibility & Documentation
Eligibility and Coverage
Documentation
SMS CLAIMS to 5616181
Frequently Asked Questions
Yes, Air Ambulance Service in India is covered as a part of Domestic Emergency Assistance Services.
No, we do not cover pre and post hospitalization expenses under AYUSH treatment.
Maternity benefit is not available under Diamond plan.
Yes, we do cover Pre & Post hospitalization expenses under Day Care treatment in our Diamond product.
Yes, Pre and Post hospitalization cover is applicable when a claim is accepted under domiciliary hospitalization treatment.
No, we do not have any sub limits for any treatment.
Yes, if he has avail a sum insured of 5lacs or more, then he can avail the optional cover of Any Room upgradation.
No, it is available for 15 listed illnesses. Provided as part of Policy Wordings.
Yes, there are SI slab based room category limits as given below.
- 2L, 3L, 4L S.I. – 1% of S.I.
- 5L, 7L, 10L S.I. - Single Private A/C Room
- 15L S.I. and above- Single Private A/C Room (Upgradable to next level, only if Single Private A/C Room is not available).
Ayush Treatment refers to the medical and / or hospitalization treatments given under ‘Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy systems.
The institution should be a government Hospital or any institute recognized by the government and/or accredited by the Quality Council of India or National Accreditation Board on Health.
No, this benefit is available only for Insured Person up to 18 years and also when the Sum Insured is 1Cr and above.
There is age-based co-payment of 20% for age at entry 61 yrs. and above.
Yes, Upgradation to any room in case of non-availability of single pvt room, is available for reimbursement claims as well.
No, we do not have waiver of co-payment for the age 61yrs and above.
Reload is applicable for subsequent claims in case of unrelated illness. It doesn’t require the SI+NCB to be exhausted completely. It is not applicable for 1st claim. Please refer to policy wordings for complete details.
No, it is applicable only for IPD and Day care claims.
Calculation of No Claim Bonus and Super NCB will be on base sum insured.
No. When he renews his policy, his SI will be Rs 10 Lakhs. If the reload of Sum Insured is not utilised in a Policy Year, it will not be carried forward to any subsequent Policy Year.
No Claim Bonus which is accrued during the claim free Policy Year will only be available to those Insured Persons who were insured in such claim free Policy Year and continue to be Insured Persons in the subsequent Policy Year.
All insured persons. There are separate set of tests as per age and SI slabs.
Related Products
Group Activ Health Plan
- Sum insured
Coverage of ₹5 – 10 Lakh - Key feature
Instant issuance with zero documentation for Axis Bank customers - Other benefits
Coverage for hospitalisation expenses including treatment for COVID – 19, Flat premium across all age groups, No Pre-Policy Medical Check-up, Coverage for organ donor expenses
Activ Health - Platinum Enhanced Plan
(UIN: ADIHLIP21376V022021)
- Sum insured
Wide range of cover from ₹2 Lakh to ₹2 Crore - Health returns
Earn up to 100% health returns - Other Benefits
Modern treatment methods covered, get Premium Waiver in case of detection of a critical illness, double your sum insured in 2 claim free years
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