Aditya Birla Activ Assure Diamond Health Insurance

Activ Assure Diamond Plan is a health insurance plan offered by Aditya Birla Health Insurance (ABHI). Aditya Birla has designed this plan with the objective of safeguarding your family during a medical crisis as well as ensuring that you attain a healthy living ahead. The company under this policy provides comprehensive health care coverage to policyholders ranging from regular medical checkups to hospitalisation care with various discounts to save on health insurance premiums. Scroll through the section below to learn more about the Aditya Birla Activ Assure Diamond Health Plan.

Aditya Birla Activ Assure Diamond Health Plan at a Glance

Key Features of Aditya Birla Activ Assure Diamond Health Plan

Here are some of the notable features of the Aditya Birla Activ Health Plan:

• Coverage Type: The Aditya Birla Activ Assure Diamond Health Plan can be bought as both an individual and family floater plan. Under a family floater plan, you can get coverage for all your family members under one plan, however, an individual plan only covers the policyholder. Under a family plan, you can get coverage for you and your spouse along with 3 dependant children.
• Health Coach: In this plan, Aditya Birla health insurance also offers a health coach or wellness coach by providing tips and coaching through an online chat service and a call-back service. With this program, experts guide and motivate insured members to lead a fit and active lifestyle.
• Super NCB: With the Super NCB add-on, you can double the sum insured in just 2 years with your Aditya Birla Health Insurance Diamond Plan.
• Discounts: The Aditya Birla Activ Assure Diamond Health Plan also offers discounts to individuals for staying fit. Fit individuals are given reward points on the basis of which discounts are later offered on health insurance premiums.
• Extensive Coverage: The Aditya Birla Activ Assure Diamond Health Plan offers extensive coverage such as modern treatment, pre and post hospitalisation, AYUSH treatment, modern treatment, and a lot more.

Eligibility Criteria to Buy Aditya Birla Activ Assure Diamond Health Plan

Listed below are the eligibility criteria to buy the Aditya Birla Activ Health Plan:

Benefits of Buying Aditya Birla Health Insurance Diamond Plan

Some of the reasons why you should buy the Aditya Birla Active Assure Diamond Health Insurance plan are as follows:

• 150% Reload: The Aditya Birla Activ Assure Diamond Health Insurance Plan offers 150% reload benefits. This means that if the sum insured gets exhausted after a health insurance claim, then it automatically gets restored so that you can utilize it again.
• Annual Health Check-up: In today’s time, it is very important to keep track of your well-being. The Aditya Birla Activ Assure Diamond Health Insurance Plan caters to it and provides the benefit of annual health check-ups. You can enjoy annual health check-up benefits at no additional costs.
• Daycare treatment: There are a few treatments that do not require hospitalisation. The Aditya Birla Activ Assure Diamond Health Insurance Plan provides coverage for over 586 daycare treatments.
• Worldwide emergency assistance service: In case of a medical emergency outside the country, you can get relevant coverage with the Aditya Birla Activ Assure Diamond Health Insurance Plan. With this plan, you will be safely transported to your country to get the required medical assistance.
• Modern-day Treatment: Under the Aditya Birla Activ Assure Diamond Health Insurance Plan, you will also get coverage for modern-day treatment such as robotics surgery, chemotherapy, etc.
• Mental illness: Any hospitalisation related to mental illness is covered under the Aditya Birla Activ Assure Diamond Health Insurance Plan.
• Health coach: With the Aditya Birla Activ Assure Diamond Health Insurance Plan, you will also get a health coach who will assist you with nutritional and wellness counseling. Moreover, fit individuals are even awarded discounts on health insurance premiums.
• Flexible sum insured: With the Aditya Birla Activ Assure Diamond Health Insurance Plan, you can choose a sum insured ranging between Rs. 2 lakhs - Rs. 200 lakhs.

Inclusions and Exclusions of Aditya Birla Activ Assure Diamond Health Insurance Plan

The Aditya Birla Active health insurance inclusions and exclusions are mentioned below:

Inclusions:

• In-patient Hospitalisation: The expenses for in-patient hospitalisation such as consultation fees, room rent, OT charges, etc are included up to the sum insured.
• Pre-hospitalisation Expenses: The expenses for pre-hospitalisation treatment are covered up to 30 days before hospitalisation.
• Post-hospitalisation: Post-hospitalisation expenses are covered up to 60 days after hospitalisation.
• Day-care Treatment: Up to 586 day-care procedures are covered under the Aditya Birla Activ Assure Diamond Health Insurance Plan.
• ICU Charges: The ICU charges are covered up to the sum insured.
• Organ donor expenses: The coverage for organ donor expenses is up to the sum insured.
• Domiciliary Hospitalisaion: It provides coverage of 10% of the sum insured.

Exclusions:

• Self-inflicted injuries
• Any injury due to war or any criminal activities
• Any injury due to consumption of alcohol or drugs
• Any self-inflicted injury
• Mental illness
• Non-allopathic treatment
• Expenses related to spectacles or lens

Riders Available with Aditya Birla Activ Assure Diamond Health Insurance Plan

Some of the riders that you can buy with your Aditya Birla Activ Assure Diamond Health Insurance Plan are as follows:

• Reduction in PED Waiting Period: The waiting period for pre-existing medical conditions can be reduced to 2 years with this add-on.
• Unlimited reload of sum insured: With this add-on, you can get your sum insured reloaded for unlimited times.
• Any room upgrade: This add-on provides coverage for upgrading your room up to the sum insured.
• Cancer hospitalisation booster: With this add-on, your coverage for cancer will boost by 100%.

How to Buy Aditya Birla Activ Assure Diamond Health Plan?

Listed below are a few simple ways in which you can buy the Aditya Birla Activ Assure Diamond Health Plan:

• Visit the “Health Insurance” section on the official InsuranceDekho website.
• Choose "Aditya Birla Health Insurance" from the list of health insurance companies.
• Then, select "Activ Assure" from the available health insurance plans.
• Read the policy documents carefully
• Upload all the necessary documents to complete the KYC process
• After finishing the KYC process, pay the premium online
• Finally, you will receive the policy document in your registered email

Documents Required to Buy Aditya Birla Active Assure Diamond Health Plan

Some of the documents required to buy the Active Assure Diamond Health Plan are as follows:

• A duly-filled proposal form
• Aadhaar card
• PAN card
• Passport
• Bank account details
• Income proof
• Passport-size photograph
• Details of pre-existing medical condition

Claim Process of Aditya Birla Activ Assure Diamond Health Plan

With the Aditya Birla Health Insurance Diamond Plan, you can raise two types of claims, cashless claims and reimbursement claims. Under the cashless claim, all the medical bills will directly be settled at a network hospital tied up with Aditya Birla. On the other hand, in a reimbursement claim, you will first have to spend for the medical expenses which will be later reimbursed by the insurance company.

Cashless Claim

• First, visit a nearby network hospital
• Next, fill out the proposal form and submit all the documents such as policy papers
• Then, the insurance company will verify the claim request and all the documents
• Once, everything has been verified, your bills will be directly settled at the network hospital.

Reimbursement Claim

• For reimbursement claims settlement, you can get treatment at any hospital
• Next, raise a claim on Aditya Birla Health insurance on the official website
• Then, submit all the required documents along with the claim form
• You also need to submit the details of the medical expenses. Once all of it has been approved, the expenses will be reimbursed by the insurance company