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Aditya Birla Activ Assure Diamond Plan

The Activ Assure Diamond plan is a unique health insurance plan launched by Aditya Birla Health Insurance (ABHI) and was designed with an intent to not only protect you and your family against medical exigencies but also to ensure that you achieve a healthy state of living. It offers a comprehensive coverage ranging from regular medical checkups to hospitalisation care and even offers incentives in the form of cashbacks for staying fit. This cashback incentive benefit is termed as ‘Health Returns’ by ABHI and an individual can earn up to 30% of the premium amount as cashback that will be credited to his/her health account.

Another feature of the Activ Assure Diamond plan that makes it different from other health insurance plans is the benefit of a health coach or wellness coach. The health coach guides and motivates individuals to lead a fit, active lifestyle by providing tips and coaching through an online chat service and a call-back service. In a policy year, 2 coaching sessions can be availed by an individual aged above 18 years. Before we look at the other features offered by the Activ Assure Diamond Plan, let’s understand in detail about how ‘Health Returns’ works and how to earn it.

How can Health Returns be Earned?

To get started, the user has to download the Activ Health app and call ABHI customer care centre to take the health assessment test. The test will reveal your healthy heart score. Based on your score, you will be assigned a category of either red, amber or green. A green score indicates that you are indulged in a physical activity for more than 13 days in a month. If you fall in the green category, you are eligible to earn up to 30% of your premium as cashback. To increase your healthy heart score and improve your health score, you can get active by working out at the gym, doing yoga, swimming, walk a number of steps, etc. The app will record your physical activity like the number of steps you have walked per day when connected to a device. Your gym activity will be tracked when you do a ‘check-in’ at the gym. To track activities like swimming and yoga, a health checkup is done once every 6 months and the results are valid for a period of 6 months.

To earn at least 6% of the premium as cashback, an individual has to be active for just 4 days in a month. The cashback earned will be credited to the health account of the insured person. The amount earned can be utilised for pay policy premiums, buy medicines, pay for diagnostic tests or save it to use for any other health emergency.

Features and Benefits of the Activ Assure Diamond Plan:

Options in the sum insured - This plan offers the flexibility to choose the sum insured amount by providing as many as 16 options. The options range from Rs.2 lakh to Rs.2 crore. There is also the option to choose between the policy terms of 1, 2, and 3 years.

Cashless treatment facility - Policyholders can receive cashless treatment at network hospitals which means that the hospital bills will be directly settled between the insurance provider and the hospital. The network hospitals enlisted with the ABHI has a broad coverage to ensure wide accessibility.

Pre and Post-hospitalisation cover - Apart from the expenses incurred during hospitalisation of the policyholder, the policy also provides cover for expenses incurred 30 days before hospitalisation and 60 days after hospitalisation. Domiciliary treatments are also covered under the Activ Assure Diamond plan amounting to 10% of the sum insured. Intensive Care Unit (ICU) charges of 2% of the sum insured are covered for sum insured amount of Rs.2 lakh, Rs.3 lakh, and Rs.4 lakh, respectively. For sum insured above Rs.5 lakh, the policyholder is entitled to receive 100% of the sum insured.

Day care treatment cover - Under the Activ Assure Diamond plan, 586 day care procedures are covered up to 100% of the sum insured. Day care treatments are those which require less than 24 hours of hospitalisation. Some examples of day care treatments are dialysis, eye surgery, radiotherapy, piles/fistula, prostate, sinusitis, angiography, etc.

Cover for AYUSH treatments - The Activ Assure Diamond plan also covers alternative forms of treatment in Ayurveda, Unani, Siddha, Yoga and Naturopathy, and Homeopathy systems. Depending on the sum insured, an amount ranging from Rs.15,000 to Rs.50,000 is provided for the treatments.

Discounts on premiums - Policyholders can avail discounts on premiums ranging from 7.5% to 10%. For a 2-year policy, a discount of 7.5% can be availed while for a 3-year policy, it is 10%. A 5% discount can be availed for a 2-3 member individual policy while a 10% discount is applicable for more than 4 members multi-individual policy.

Organ donor expenses - If the policyholder undergoes an organ transplant or he/she is the donor, the expenses will be covered under the plan. The covered amount will be equivalent to 100% of the sum insured.

Road ambulance cover - The insurance provider, ABHI will reimburse the amount spent on road ambulance. The reimbursement amount can range from Rs.1,500 to Rs.5,000 per event depending on the sum insured.

Vaccination cover - This benefit is available only for policies where the sum insured is Rs.1 crore and above. The maximum amount covered is Rs.10,000.

Emergency assistance services - If the policyholder faces a medical emergency within or outside India and it requires him to be transferred to another medical facility, the insurance provider will bear the expenses for transportation of the patient. This will include the expenses of air ambulance.

Reload of sum insured - In cases where the policyholder has made a number of claims during a policy year and needs to be hospitalised again for an unrelated illness but the sum insured is insufficient, then he/she will get an additional 150% of the sum insured. The maximum amount that can be availed can go up to Rs.50 lakh.

Waiting period - Except for an accidental injury, there is a waiting period of 1 month before a claim can be made. Illnesses like cataract, hernia, joint replacement surgery, sinusitis, etc. there is a waiting period of 2 years.

No-claim bonus - For every claim-free year, the policyholder is eligible to earn a cumulative bonus of 10% of sum insured and the amount can go up to 50%. Similarly, with every claim the cumulative bonus reduces by 10% of the insured sum.

Daily cash allowance - An amount of Rs.500 will be paid as daily allowance for each day of hospitalisation and is applicable only for a maximum period of 5 days. This benefit is available only for policies with a sum insured up to Rs.4 lakhs.

Room upgrade - This is an optional cover and is only available for policies where the sum insured is above Rs.5 lakh. Under this cover, the policyholder can choose any type of hospital room without any restriction.

Reduction in waiting period - Pre-existing diseases normally have a waiting period of 4 years but this can be reduced to 2 years by opting for an optional cover.

Second opinion - Some critical illnesses like heart attack, kidney failure or cancer may require a second opinion of medical practitioners. Under the Activ Assure Diamond plan, policyholders have the option to avail the second opinion of a team of specialist doctors through an online medium. The opinion is based on the inputs provided by the policyholder.

Free health check-up - Depending on the sum insured and the age of the policyholder, a free health checkup is provided by the insurer every policy year.

Optional boosters - For an enhanced coverage, policyholders can opt for accidental hospitalisation and cancer hospitalisation boosters. These optional boosters will entitle policyholders with an additional sum to meet the expenses incurred due to an accident or cancer.

Eligibility for the Activ Assure Diamond plan:

To enrol under the Activ Assure Diamond plan, the minimum age of entry is 5 years. There is no restriction on the maximum entry age. However, if the entry age is above 61 years, a co-payment of 20% of sum insured needs to be made.

Exclusions:

The Activ Assure Diamond plan doesn’t cover expenses for the below:

  • Self-inflicted injury, injuries caused due to war or military acts
  • Injuries caused due to drug abuse or use of hallucinogenic substances
  • Cosmetic, aesthetic, and weight loss treatments
  • Psychiatric or mental disorders
  • Hearing aids, spectacles, and contact lenses

The Activ Assure Diamond plan has been well thought and created to meet all the health needs of you and your family members by providing a comprehensive financial coverage. It also ensures the wellbeing of your family and rewards you for maintaining an active lifestyle.

 4.5 / 5.0   by 6408 users
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Cashless Treatment

Policy Coverage

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Medical Coverage

Claim Experience

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Activ Assure Diamond Plan Reviews

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  • New India Health Insurance
    "Friendly policy"
    0.5 4.0/5 "Great!"
    From my organization, they have provided me a health insurance policy from New India Assurance. I have a claim experience too and they have done my claim within few hours since its a cashless facility. We put the claim very late even though they have processed within 5 hours. This policy covers for my entire family.
    Was this review helpful? 0
    , bangalore
    Reviewed on Dec 11, 2019
  • Apollo Munich
    Apollo Munich Health Insurance
    "Very useful policy for middle class people. "
    0.5 5.0/5 "Blown Away!"
    Am having my Apollo Munich health insurance policy for last 3 years because when i purchased the policy for the first year, they said if i don't claim, my coverage amount will get the amount of extra 2.5 lakhs. I paid the premium amount of Rs. 8000. This policy covers only for myself. I don't have any claim experience as of now. My plan name is optima restore.
    Was this review helpful? 0
    , chennai
    Reviewed on Dec 11, 2019
  • Star Health Health Insurance
    "Execellent in card division"
    0.5 5.0/5 "Blown Away!"
    I have a health insurance from STAR HEALTH and the policy coverage value was Rs. 15 lakhs. Customer service is excellent. This is a family floater policy and it covers all types of critical illness and i am paying premium annually Rs. 48,000. This policy covers all network hospital and i went for claim i got a cashless.
    Was this review helpful? 0
    , kolkata
    Reviewed on Dec 10, 2019
  • Reliance General Health Insurance
    "Feedback regarding claim department"
    0.5 0.5/5 "Unacceptable"
    Very bad experience at the time of claim settlement asking for so many unnecessary documents. Internal process is very slow takes 15days and more time to send the documents to respective departments. Experience so many difficulty kindly help me out asap
    Was this review helpful? 0
    , pune
    Reviewed on Dec 09, 2019
  • ICICI Lombard Health Insurance
    "Best policy"
    0.5 5.0/5 "Blown Away!"
    I have taken a health insurance policy from my company and this is from ICICI Lombard. This is an individual policy which covers me and family members individually and the coverage value was Rs. 20 lakhs . This is a life long policy which covers all major diseases.
    Was this review helpful? 0
    , kolkata
    Reviewed on Dec 09, 2019
  • Religare Health Insurance
    "Worst health insurance"
    0.5 0.5/5 "Unacceptable"
    Worst health insurance, they will process our claim only when they want or less we will get nothing. Worst health insurance, they will process our claim only when they want or less we will get nothing. Worst health insurance, they will process our claim only when they want or less we will get nothing.
    Was this review helpful? 0
    , mumbai
    Reviewed on Dec 09, 2019
  • HDFC Ergo Health Insurance
    "Family health cover policy"
    0.5 5.0/5 "Blown Away!"
    Based on my credit card, they have provided me a health insurance from HDFC Ergo. It covers for my entire family. They have given me a coverage amount of Rs. 6 lakhs. I have not applied for any claim till now. I pay the premium amount of Rs. 4,500 on every year. They cover most of the hospital in the city for that they provided me a list also.
    Was this review helpful? 0
    , chennai
    Reviewed on Dec 08, 2019
  • Oriental Insurance Health Insurance
    "Good one"
    0.5 5.0/5 "Blown Away!"
    There is no need to talk with the customer care of Oriental insurance and they have already provided the guidelines with the power point presentation and hospital list also. Most of the hospital is providing the cashless facility also. In my company they have provided me a health insurance from oriental. They have provided me a coverage amount of Rs. 3 lakhs which covers for myself.
    Was this review helpful? 0
    , navi mumbai
    Reviewed on Dec 07, 2019
  • National Insurance Health Insurance
    "Smooth transaction"
    0.5 5.0/5 "Blown Away!"
    I have taken a health insurance policy from my company and the insurance company is NATIONAL INSURANCE. The policy coverage was Rs. 2lakhs. Recently i got hospitalized and that was cashless treatment, and i got a claim also. This insurance covers all network hospitals. My company provides this policy me and my spouse and children. I got 90% of claim.
    Was this review helpful? 0
    , pune
    Reviewed on Dec 07, 2019
  • Religare Health Insurance
    "Best policy"
    0.5 5.0/5 "Blown Away!"
    I have taken a health insurance mediclaim policy from RELIGARE HEALTH. The coverage value I think its 3lakhs and i am paying premium on approximate of Rs. 13k-14k. This is a group policy they provided 2 policies one is group and other one individual. This is life long policy it covers all type of illness. Dental they wont cover in this policy and still there is a no claim.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Dec 06, 2019
  • United India Health Insurance
    "Very Good Policy"
    0.5 5.0/5 "Blown Away!"
    I have a health insurance from united India which is provided by my employer. I will recommend this medical insurance to all because the service was good and the claim disbursement time is very less within 25 days we are getting the claim amount. They processed the claim very fast and they are giving upto 80% coverage for my parents, myself, spouse and children the claim coverage up to 100%.
    Was this review helpful? 1
    , hyderabad
    Reviewed on Dec 06, 2019
  • Star Health Health Insurance
    "Best policy"
    0.5 3.0/5 "Satisfactory"
    I have taken a mediclaim policy from STAR HEALTH and this is a company policy. I am paying premium annually Rs. 14,000.This policy covers all type of critical illness and i went for claims 2 to 3 times its a cashless. They cover all network hospital and this is family floater policy.
    Was this review helpful? 0
    , hospet
    Reviewed on Dec 05, 2019
  • ICICI Lombard Health Insurance
    "Good service"
    0.5 5.0/5 "Blown Away!"
    I have taken medi claim from ICICI LOMBARD GENERAL INSURANCE. The coverage value was Rs. 5,00,000 and I am paying premium Rs. 5000. This policy covers all type of critical illness day care treatment. This is a cash less policy last year I had done claim of 2L. This insurance covers all network hospitals and this is a group policy.
    Was this review helpful? 0
    , vijayawada
    Reviewed on Dec 05, 2019
  • SBI General Health Insurance
    "Average Policy"
    0.5 3.0/5 "Satisfactory"
    I have taken a health insurance from SBI General because from Government side, I can claim the amount if I apply for reimbursement. I have paid the premium amount of Rs. 1000 on every year. They have not explained me about the coverage amount.
    Was this review helpful? 1
    , bangalore
    Reviewed on Dec 05, 2019
  • Bajaj Allianz Health Insurance
    "Good"
    0.5 3.0/5 "Satisfactory"
    My employer has given me a health insurance policy from BAJAJ ALLIANZ on 5 years before. The coverage amount of 5L. On yearly basis they will renew my policy. The premium amount of 10K use to pay. It covers particular hospitals and with multi specialty. There is cashless treatment as well. It covers my whole family.
    Was this review helpful? 0
    , medak
    Reviewed on Dec 04, 2019
  • review Health Insurance
    "Safety Policy"
    0.5 4.0/5 "Great!"
    Taken my health insurance from Birla Sun life. They approached me through call, when i accepted the same, they have given me a health insurance for my entire family with the coverage value of Rs. 3 lakhs. I have been paying the premium amount of Rs. 960 every month. In this policy, pre-existing disease has been covered.
    Was this review helpful? 0
    , dindigul
    Reviewed on Dec 03, 2019
  • Star Health Health Insurance
    "Very very delay in claims settlement. Experienced bad servic"
    0.5 2.0/5 "Expected more"
    Almost waited for 24 hrs for final settlement. Bad experience in cashless settlement. Late approval for pre approval and very very late in final settlement. Almost 24 delay in final settlement. Very bad experiance. Not at all recommended.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Dec 03, 2019
  • Royal Sundaram Health Insurance
    "Good"
    0.5 4.0/5 "Great!"
    I have taken a health insurance policy from ROYAL SUNDARAM.This is an individual policy and the coverage was Rs. 5,00,000. Annual premium i am paying Rs. 2000. This insurance covers all type of critical illness and still there is a no claim. Every year i am getting reminder call but i am not getting call to include my family members.
    Was this review helpful? 2
    , coimbatore
    Reviewed on Nov 29, 2019
  • review Health Insurance
    "Best mediclaim"
    0.5 5.0/5 "Blown Away!"
    I have taken a health insurance policy from ADITYA BIRLA HEALTH INSURANCE. This is a group policy and the coverage was Rs. 2,00,000. I am paying yearly premium around Rs. 3500 and this policy covers all type of critical illness, some disease will not cover need to be get cover.This policy covers all network hospitals.
    Was this review helpful? 0
    , coimbatore
    Reviewed on Nov 29, 2019
  • Oriental Insurance Health Insurance
    "Best policy"
    0.5 5.0/5 "Blown Away!"
    I have taken a health insurance from ORIENTAL INSURANCE. The coverage value was Rs. 5,00,000 and the premium i am paying Rs. 25,000. This is a group policy which covers all type of critical illness and also i am enjoying TAX benefits. I went for claim full amount i got reimburse and they have issued health ID card for claim it's very useful more over they cover all net work hospitals.
    Was this review helpful? 0
    , rajahmundry
    Reviewed on Nov 28, 2019
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