Aditya Birla Health Insurance - Activ Assure Diamond

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Overview of Aditya Birla Health Insurance Activ Assure Diamond Plan

Designed with an objective to secure you and your family during health emergencies, the Aditya Birla Health Insurance Activ Assure Diamond plan acts as your companion during the tough times. So, next time a health emergency strikes, you can completely focus on recovery, while the expenses are taken care of by the plan. Aditya Birla Health Insurance not only ensures that you are financially backed when a medical crisis hits but also makes sure that you can live a healthy life ahead. From health check-ups to hospitalisation cost coverage, the Aditya Birla Health Insurance Activ Assure Diamond plan offers a plethora of benefits and is there by your side when health adversities take over you.

 

Apart from regular health insurance benefits, the plan also offers a health coach. Under this benefit, you get coaching and tips through a call-back service and digital chat service. This way, the plan not only safeguards you from rising medical expenses but also motivates you to lead an active and fit lifestyle.

Why Do You Need Aditya Birla Activ Assure Diamond Plan?

Here are some reasons why you must consider buying the Aditya Birla Health Insurance Activ Assure Diamond plan:

 

  • The plan provides comprehensive health insurance coverage for you and your family along with various options for a higher sum insured.

  • This insurance plan by Aditya Birla Health Insurance offers a restoration benefit of 150% of the sum insured.

  • The policy also provides you with a health coach whom you can consult for various health conditions.

  • The 24x7 Aditya Birla Health Insurance helpline provides prompt after-sales services.

What are the Benefits of the Aditya Birla Activ Assure Diamond Plan?

The Aditya Birla Activ Assure Diamond plan offers a plethora of benefits. Some of these are:

  • Emergency services


The plan offers urgent domestic as well as international services such as air ambulance coverage so that you are not stranded in unknown destinations without adequate medical facilities, in case you were to face any medical emergency.

  • Day care treatment


With 586 day care procedures covered for less than 24 hours of hospitalisation, the plan prevents you from spending out of your pocket.

  • Reload of sum insured


The plan offers an additional 150% reload of the sum insured, maximum up to ₹50 lakh, in case of hospitalisation caused for illnesses that are unrelated to the one claimed for in the previous policy year.

  • Health check-up programs


With this plan, you are offered a health check-up program, which you can avail at the network hospitals & empanelled providers. However, it is important to note that the number of tests depends on the sum insured value and age of the policyholder.

  • Daily allowance


For each day of hospitalisation, the plan offers an additional benefit of ₹500, which is paid for a maximum of 5 days of hospitalisation. This is applicable for the sum insured of ₹2 lakh- ₹4 lakh.
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  • HealthReturns™


The plan rewards you for maintaining a healthy lifestyle! You can get up to 30% of your premium as the HealthReturns™, which can be used to pay your renewal premium.

How to Buy Aditya Birla Activ Assure Diamond Plan

Buying the Aditya Birla Activ Assure Diamond plan online on Bajaj MARKETS is easy. All you need to do is follow these 5 quick steps:

 

  1. Head to the ‘Health Insurance Premium Calculator’ section on our website.

  2. Enter all the necessary details about the person to be insured, along with your personal details.

  3. Choose the Aditya Birla Activ Assure Diamond plan from the various health insurance plans available for you. Pick your sum insured amount and any add-on covers of your choice.

  4. Upload the required documents and pay your health insurance premium using any online mode of payment.

  5. That’s it! Your Aditya Birla Activ Assure Diamond policy will be emailed shortly.

Inclusions and Exclusions under Aditya Birla Activ Assure Diamond Plan

Let us take a look at what is covered and what is not covered under the Aditya Birla Activ Assure Diamond health insurance plan:

What is Covered under Aditya Birla Activ Assure Diamond?

  • In-patient hospitalisation

    Cover for expenses incurred in case of hospitalisation for over 24 hours.

  • Pre- & post hospitalisation

    From expenses incurred for consultation and/or diagnostics even before hospitalisation to expenses incurred after discharge from the hospital, the Aditya Birla Activ Assure Diamond plan covers such expenses for a specified number of days as per policy.

  • Road ambulance cover

    The Activ Assure Diamond plan ensures that you are covered for emergencies. With its road ambulance cover, the plan covers expenses incurred in the transportation through an ambulance from the place of emergency to the nearest hospital in case of an emergency.

  • Daycare treatment cover

    The plan covers you for 586 treatments annually that may not require hospitalisation for 24 hours.

  • Domiciliary hospitalisation (home care)

    Not just this, the Activ Assure Diamond plan helps you get the necessary medical treatment at home too. With this benefit, you are covered for medical expenses incurred while being treated at home in case you were unable to be transferred to the hospital or a hospital bed was unavailable.

  • Vaccination Cover

    The Aditya Birla Activ Assure Diamond policy covers the expenses up to ₹10,000 incurred for the vaccination of insured children up to the age of 18 years. This benefit is offered with a sum insured of ₹1 crore and above.

  • AYUSH In-patient treatment

    The plan covers for Ayurveda, Yoga and Naturopathy, Unani, Siddha, and Homeopathy in-patient treatment, as per your eligibility

  • Organ donor expenses

    You are covered for the medical expenses incurred for organ donor treatments and the costs incurred in organ harvesting, as per eligibility.

What is not Covered under Aditya Birla Health Insurance Activ Assure Diamond Policy?

  • Self-inflicted injuries

    Intentional self-inflicted injury, attempted suicide, acts of self-destruction, etc. are not covered under the policy.

  • Sexually transmitted diseases

    Diseases or disabilities caused due to any sexual disease or sexually transmitted disease are excluded.

  • War-like situations

    Any injury, disability or death that is incurred due to an act of foreign enemies, civil war, war-like operations, etc.

  • Pre-existing diseases

    Any injury or disease that arises out of a pre-existing illness or any medical complication shall not be covered.

 Eligibility Criteria for Aditya Birla Activ Assure Diamond Plan

  • For an individual policy under this plan, the minimum age of entry is 5 years. Dependent children in the age bracket of 91 days to 5 years will be eligible for coverage if at least one adult is covered under the family floater policy.

  • Children up to the age of 25 years can be covered under the floater as dependents.

  • The entry age is calculated as per the number of years completed as on the last birthday.

  • There is no maximum entry age.

Documents Required to Buy Aditya Birla Activ Assure Plan

Getting the Activ Assure Diamond Plan by Aditya Birla Health Insurance is a very easy and seamless process. After checking your eligibility for the plan, it is important to make a note of all the necessary documents that play an important role in buying the policy.

  • Your Aadhaar Card for the UIN

  • Identity Proof

  • Address Proof

  • Age Proof

  • Proof of Income

  • Medical Certificates (if required)

Discounts Available on Aditya Birla Activ Assure Diamond Policy

Aditya Birla Health Insurance offers the following discounts on the Activ Assure Diamond plan:

  • A 5% family discount if 2-3 members of the family are covered under a single policy.

  • A family discount of 10% if 4 members of the family are covered under the policy.

  • A discount of 5-10% if you select a long-term plan of 2 years or more.

  • An additional 10% discount if you are an employee of the Aditya Birla Group or its intermediaries.

How Much is the Waiting Period Under Aditya Birla Activ Assure Diamond Plan?

Aditya Birla Activ Assure Diamond plan comes with the following waiting period clauses:

  • A waiting period of 30 days is applicable for any claim. This is not applicable for accidental claims.

  • Certain illnesses and treatments will have a 2-year waiting period. These illnesses and treatments will be listed in the policy brochure.

  • A waiting period of 48 months is applicable on pre-existing diseases unless you opt for a PED reduction add-on.

Aditya Birla Activ Assure Diamond Plan Renewal Process

The Aditya Birla Activ Assure Diamond renewal process is just as easy as buying a new plan. Take a look at the steps to be followed:

  1. Visit Aditya Birla Health Insurance’s official website and navigate to the ‘Renew’ section.

  2. Fill in the relevant details like the existing policy number, date of birth, etc.

  3. Check the policy renewal premium.

  4. Upload the necessary documents and complete the premium payment online.

  5. Once the payment is completed, your policy will be renewed, and details will be sent to your registered e-mail.

How to File a Claim for Aditya Birla Activ Assure Diamond Plan

The claim settlement process of the Aditya Birla Activ Assure Diamond Health Insurance is very simple. You can file a claim in two ways- cashless claims and reimbursement claims.

Cashless Claims

To file a cashless claim under the Aditya Birla Activ Assure Diamond plan, here's what you must do:

  1. Visit a network hospital to avail the cashless facility.

  2. Show your Cashless Card at the hospital for identification.

  3. Submit the pre-authorisation request form.

  4. The insurer will then review your claim.

  5. Upon approval, the insurer will settle the claim directly with the hospital.

Reimbursement Claims

Just follow these quick steps to file a reimbursement claim:

  1. Avail the necessary treatment at any hospital and pay the bills.

  2. Get in touch with the insurer and inform them about your claim.

  3. Submit the claim documents.

  4. The claim request is assessed and the reimbursement amount is transferred.

    Contact Aditya Birla Health Insurance Customer Care Here

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FAQs About Aditya Birla Activ Assure Diamond Plan

  • ✔️Does the plan offer NCB benefit?


    Yes, the Aditya Birla Activ Assure Diamond Health Insurance plan offers a No Claim Bonus (NCB) of 10% of the sum insured, maximum up to 50%, for every claim-free year.

  • ✔️What is the maximum sum insured amount offered with the Aditya Birla Activ Assure Diamond plan?

     The plan offers a range of sum insured options up to ₹2 crore.

  • ✔️If I get a health check-up done, is it covered in the Aditya Birla Activ Assure Diamond plan?

     Yes, under the health check-up program of the policy, you are covered for a health check-up done once in a policy year.

  • ✔️Is there a co-pay clause in the Aditya Birla Activ Assure Diamond policy?

     A co-payment clause is applicable under this policy if the insured person is above the age of 61 years.

  • ✔️Can I renew my Aditya Birla Activ Assure Diamond policy offline?


    Yes. If you wish to renew your policy offline, you can get in touch with your insurance agent for the same. You can also renew your policy offline at any Aditya Birla branch office. However, it is recommended to opt for the online mode of policy renewal as it is convenient, time-saving and cost-effective.

  • ✔️Is there a maximum age limit to apply for an Aditya Birla Activ Assure policy?


    No, there is no maximum age limit to apply for this health insurance plan.

  • ✔️Is there a death benefit provided under this plan?

     No, there is no death benefit under the Activ Assure Diamond plan.

  • ✔️How much No Claim Bonus (NCB) does this plan offer?


    The Aditya Birla Activ Assure Diamond health insurance plan offers a No Claim Bonus (NCB) of 10% of the sum insured for every claim-free year.

  • ✔️Are vaccination expenses covered under this policy?


    Yes, the Aditya Birla Activ Assure Diamond health insurance plan covers the vaccination costs for children up to the age of 18 years. However, you must note that the vaccination benefit is available only for policies that have a sum insured of ₹1 crore and above.

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Bajaj Finserv Direct Limited ("BFDL") is primarily engaged in distribution of financial products and services through its digital platform (“Bajaj Finserv MARKETS”) and inter alia renders services of customer acquisition, providing preliminary credit support activities, fulfilment services and post-acquisition customer services to Banks, NBFCs, HFCs. BFDL is also a registered Corporate Agent (Composite) under valid IRDAI registration number: CA0551 valid till 10-Apr-2024 for solicitation and servicing of Insurance Products. Registered Office: Bajaj Auto Limited Complex, Mumbai – Pune Road, Akurdi, Pune – 411 035 CIN: U65923PN2014PLC150522