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Aditya Birla Activ Assure Diamond Plan

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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

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  • United India Health Insurance
    "Good Policy"
    0.5 5.0/5 "Blown Away!"
    My company has given me a health insurance from united India. My entire family has been covered in this policy. I had no claim experience so far and i have not checked about the list of hospitals. I'm happy about the coverage amount they have given to me.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 22, 2019
  • Apollo Munich Health Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I have taken my health insurance with Apollo Munich, there service is good, there agent had explain me about the policy which is covered in this insurance and they have tie up with many hospital and they have shared me there location , and the premium amount they have charged me up to 13,000, i use to pay through on line.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jan 22, 2019
  • United India Health Insurance
    "Best Policy"
    0.5 3.0/5 "Satisfactory"
    I have chosen the United India health insurance policy without any reason. I got this policy for my entire family. I pay the premium amount of Rs. 16000 nearly. I have a claim experience with them and they have processed the claim in 3 days. They have given a claim upto 80%
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 22, 2019
  • review Health Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I have a health insurance policy with BHARATHI AXA , this policy cover accident claim and there customer support team have explain me about this policy . And the premium i pay per year it nominal, i pay through on line. Till now i have no claim experience with them, i have took the policy like in every five years they will reduces 5 % if i do not claim it, till now there service was good.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jan 22, 2019
  • United India Health Insurance
    "Good Policy to take"
    0.5 5.0/5 "Blown Away!"
    I have purchased my United India health insurance in the year of 2002. I pay the premium amount of Rs. 12000. This is a primary plan. Me, my wife and my son has been covered in this policy. I have received the covered amount of Rs. 10 lakhs. I have not faced any issue in this policy.
    Was this review helpful? 0
    , ahmedabad
    Reviewed on Jan 22, 2019
  • HDFC Ergo Health Insurance
    "Average service"
    0.5 3.0/5 "Satisfactory"
    I have been using my health insurance with HDFC ERGO, they have charged me premium amount up to 500 rupees , this health insurance is a complimentary insurance issued my bank as i took this bank credit card, the premium amount it was to get deducted on yearly basis, and it use to get deducted from this bank credit card, and after that it converted in to Emi option, and till now i had no experience with this insurance, there is cash less treatment option available.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 22, 2019
  • Bajaj Allianz Health Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I took my Health insurance with Bajaj allianz general insurance, they have tie up with many hospital, and they have shared me location regarding this, so far there was no claim experience with them . There is cashless treatment option available , the premium amount they have charged me previously on monthly basis, it was nominal premium charges, i have been paid for 4-5 years continuously, now maturity period got completed.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jan 22, 2019
  • HDFC Ergo Health Insurance
    "Not satisfied with the service"
    0.5 1.0/5 "Really Bad"
    It was not quite a good experience i had with them where i had started this insurance policy in the year of 2009 and i had been paying the premium amount of 50,000 annually. There was not any single claim which i had made so far, until last year i had tried for a claim and the bill was around 40,000 and they had provided me with only 12,000 which was really a bad experience.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 21, 2019
  • HDFC Ergo Health Insurance
    "Its Good"
    0.5 1.0/5 "Really Bad"
    Before four month my health policy got expired I don't have interest to renew it again. HDFC Ergo representative called me for the renewal. I don't have claim experience but I believe they provide ac room hospitalization for per day Rs. 3000 will be charged from the insured value and they do have no bonus feature.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 21, 2019
  • Star Health Health Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I have been using my health insurance with Star health insurance, there service is good,i have applied two health loan , one for me and one for my parents, i had claim experience with it , as one year ago,i avail this insurance for my parents, there was cashless option available , and the premium amount they have charged me was nominal, for my parents i use to pay up to 27,000 as yearly basis, and for me 12,000 as yearly basis.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 21, 2019
  • HDFC Ergo Health Insurance
    "Excellent service"
    0.5 5.0/5 "Blown Away!"
    I have been using my health insurance with HDFC ERGO , the agent that explain me clearly about the policy, and there benefits,and they have tie up with many hospital and they have shared me excel regarding this, i had claim experience on 2016 , my claim experience with this bank was good, the premium amount they have been charged on yearly basis,they have charged premium nominal.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 21, 2019
  • Universal Sompo Health Insurance
    "Speedy claim recovery"
    0.5 4.0/5 "Great!"
    Holding my health insurance from Universal sompo. I'm not getting any mails or messages from Universal Sompo regarding the updates. The policy is really good. This is a 100% covered policy. They have processed the claim immediately with the cashless treatment. The hospital list is really good.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 20, 2019
  • ICICI Lombard Health Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I have taken my health insurance with ICICI Lombard general insurance, there service is good, there agent had explain me about the policy which is covered in this insurance and they have tie up with many hospital and they have shared me there location , and the premium amount they have charged me was nominal,i use to pay on yearly basis.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 20, 2019
  • HDFC Ergo Health Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I took my medi claim with HDFC ERGO, they have tie up with many hospital,and they have shared me the location regarding this,they have mention the location on excel,and the premium amount they have charged me is nominal,they have charged me on yearly basis.overall service is good.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 20, 2019
  • Apollo Munich Health Insurance
    "Average Policy"
    0.5 3.0/5 "Satisfactory"
    My organization has given me a health insurance from Apollo Munich. I have not gone through about the documents and hospital list. My entire family has been covered in this policy. They have given me a satisfied coverage value. I have not contact the customer care so far.
    Was this review helpful? 0
    , gurgaon
    Reviewed on Jan 20, 2019
  • HDFC Ergo Health Insurance
    "Average Policy"
    0.5 3.0/5 "Satisfactory"
    I have purchased the health insurance from HDFC Ergo. For some enquiry, i have called the customer care service and they have resolved my query immediately. I have not made any claim experience so far. I pay the premium amount of Rs. 37000 and myself has been covered in this policy.
    Was this review helpful? 0
    , gurgaon
    Reviewed on Jan 20, 2019
  • Star Health Health Insurance
    "Less premium with Extra benefits"
    0.5 3.0/5 "Satisfactory"
    Taken my health insurance policy recently from Star. Till now i have not spoke with the customer care. Since my age is above 50, i made the premium amount of Rs. 17000. Myself, my wife and child has been covered in this policy. They have given me a coverage value of Rs. 4 lakhs. Almost major hospital has been covered in this list.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 20, 2019
  • Reliance General Health Insurance
    "Overall Experience is good"
    0.5 4.0/5 "Great!"
    I'm using the health insurance from Reliance last 5 years. Since I'm the in charge of corporate insurance the customer care service is really fine. I made many claim from Reliance for other employee. As per the policy, they are fulfilling the customer needs. They are providing good cashless treatment facility. They used to send a updation on a regular basis.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 20, 2019
  • Apollo Munich Health Insurance
    "Very Good Policy"
    0.5 5.0/5 "Blown Away!"
    I have a corporate covered health insurance policy from Apollo Munich. They have given me a coverage value of Rs. 4 lakhs. My entire family has been covered in this policy. This policy covers all the major hospitals in all over India. I have not made any claim so far.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 20, 2019
  • ICICI Lombard Health Insurance
    "Average Policy"
    0.5 3.0/5 "Satisfactory"
    My health insurance was purchased from ICICI Lombard. To apply the claim, its a lengthy process. I had a claim experience and they have given the claim upto 80%. I pay the premium amount of Rs. 12500 every year. My entire family has been covered in this policy.
    Was this review helpful? 0
    , indore
    Reviewed on Jan 20, 2019
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