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  • Aditya Birla Activ Assure Diamond Plan

     4.0 / 5.0   by 4999 users
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    Cashless Treatment

    Customer Service

    Medical Coverage

    Claim Experience

    Responsiveness

    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.

    Activ Assure Diamond Plan Reviews

  • Page 1 of 50 1 2 3 4 5
    • National Insurance Health Insurance
      "Good Service so far"
      0.5 4.0/5 "Great!"
      I've a health insurance policy with the National Insurance. It offers an annual Coverage of 3 lacs, the policy covers me and my parents and I do not have any claim experience with the policy so far. I never had any issues with their services.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Jul 14, 2018
    • ICICI Lombard Health Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      I've a health insurance policy with the ICICI Lombard. It took almost one month to receive the policy document soft copy. I am paying a premium of 650 per month. They're yet to send me the hard copy. Overall it hasn't been a good experience with the policy so far.
      Was this review helpful? 0
      , delhi
      Reviewed on Jul 14, 2018
    • Reliance General Health Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've been using the Health Insurance policy from the Reliance General Insurance. The company is paying the premium. The policy covers me and my parents. The policy offers an annual coverage of 5 lacs for me and 2 lacs for my parents. So fat I do not have any claim experience with the policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 14, 2018
    • HDFC Ergo Health Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've an employer provided health insurance policy with the HDFC Ergo. It offers an annual coverage 5 lacs, the company is paying the premium. I do have any claim experience with the policy. I have claimed this policy two times for me and wife both they approved. The claim processing was really easy and they settled almost 30000.
      Was this review helpful? 0
      , pune
      Reviewed on Jul 14, 2018
    • Apollo Munich Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insured with Apollo Munich from more than 10 years and it is an individual policy. I am happy with the coverage value of this insurance policy. I have not claimed anything so far from this insurance policy and the policy is covered up to Rs 3-4 lakhs.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 13, 2018
    • Star Health Health Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have a health insurance policy with Star health from last 7 years and it is one of the good insurance policy. I pay a premium of Rs 10000 for this insurance and it is a family heath policy. My claim experience was good and i have claimed 2 times. The coverage value was 90% and it was a cashless treatment.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Jul 12, 2018
    • United India Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insured with United India Insurance from last 15 years, i am happy with the coverage value of this insurance policy. I have no claim experience so far with this insurance policy. This is a family policy so the coverage value is Rs 3 lakhs.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Jul 12, 2018
    • review Health Insurance
      "Good to take the Health insurance policy"
      0.5 4.0/5 "Great!"
      I have a claiming experience. There is plenty of hospitals covered in Hydrabad area. The claiming experience is good and it was done within 15 days. I claimed the maximum amount of Rs. 25000 till now and i can claim upto 5 lakhs for me and my family. Cashless treatment facility is also treatment. The company will take care of premium amount and all.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 11, 2018
    • Bajaj Allianz Health Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've a health insurance policy with the Bajaj Allianz. Their service is very good. I have raised almost three claims and the processed those claims with out any delays. Everything was smooth and hassle free. I am really impressed with their services.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 11, 2018
    • ICICI Lombard Health Insurance
      "Good Service"
      0.5 3.5/5 "Pretty good"
      I've a health insurance policy from the ICICI Lombard which is provided by the Company. The company is paying the premium. It covers almost all treatments, I do not have any claim experience with the policy. I'll have to wait and see how they respond to my claim in case if I'll have any.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 11, 2018
    • HDFC Ergo Health Insurance
      "Best policy"
      0.5 4.5/5 "Excellent!"
      I have my health insured with HDFC ERGO from last 3.5 years, i am happy with the coverage value of this insurance policy. I have not claimed anything so far from this insurance policy. I paid a premium of Rs 10000 for 2 years and the coverage value is Rs 10 lakhs for this insurance.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 11, 2018
    • Bajaj Allianz Health Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      I've been using the Health insurance policy from Bajaj Allianz for a while now. The Experience is good, don't have any claim experience. I pay a premium of 8000 Per year. I never had any claim experience with the policy so far. When considering the features it is a good policy to have.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 10, 2018
    • Star Health Health Insurance
      "Average Policy"
      0.5 3.0/5 "Satisfactory"
      I have my health insured with Star health from last 2 years, i am not aware of the premium amount as my company pays it. It is a family health policy and the coverage value is Rs 4-5 lakhs. My claim experience was not up to the mark as they covered only 80% and it was a cashless treatment.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 10, 2018
    • National Insurance Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insured with National insurance from last 7 months, i am happy with the coverage value of this insurance policy. I have not claimed anything so far from this insurance policy. This is a family health policy and the coverage value is Rs 2 lakhs for this policy.
      Was this review helpful? 0
      , guwahati
      Reviewed on Jul 09, 2018
    • Bajaj Allianz Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insured with Bajaj Allianz from last 3 years and it is a good policy to use. I paid an one time payment for Rs 6000 for this insurance policy. I have not claimed anything so far from this insurance policy and i have a coverage value of Rs 1 lakh for this insurance.
      Was this review helpful? 0
      , ratlam
      Reviewed on Jul 06, 2018
    • Star Health Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I hold a health insurance with Star health from last 7 years, i am not aware of the premium amount as my company pays it. It is a family health policy where the coverage value is Rs 3 lakhs. I have not claimed anything so far from this insurance policy.
      Was this review helpful? 0
      , kochi
      Reviewed on Jul 05, 2018
    • HDFC Ergo Health Insurance
      "Very Good health insurance policy"
      0.5 5.0/5 "Blown Away!"
      I have not used the claim for the policy. The benefits is excellent with HDFC Ergo. I can claim the policy upto 3 lakhs if its exhausted i can avail more than 6 lakhs. I used to pay the premium of Rs. 3500 per years. The cashless treatment is available and its a ax benefitable policy. I have already recommended many of my friends
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 05, 2018
    • ICICI Lombard Health Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      I've been using the ICICI Lombard health insurance policy for a while. This policy is for me and my mother. I never had any claim experience with the policy. Overall I never faced any issues with their services. I'll have to wait and see how they respond to my claims in future.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 04, 2018
    • New India Health Insurance
      "Good health insurance policy"
      0.5 5.0/5 "Blown Away!"
      I never called the customer care service of New India insurance people. I have a claim experience twice. It is easy to claim by using the New India. I can claim upto 1 lakhs since the coverage amount for the same. I have taken this insurance for my family also. I can avail a cashless treatment. They covered everywhere means most of the hospitals in the city. I used to pay the premium of Rs. 22000 per year.
      Was this review helpful? 0
      , chennai
      Reviewed on Jul 02, 2018
    • Apollo Munich Health Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've a health insurance policy from the Appollo Munich. I pay a premium of 1500 per year for a coverage of 3 lacs. This policy is only for me. On one occasion they given me 50% amount for a medical test. Overall it has been a good experience with their services.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 02, 2018
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