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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 6239 users
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Cashless Treatment

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Activ Assure Diamond Plan Reviews

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  • HDFC Ergo Health Insurance
    "It's Excellent interms of claims but transparency needed for"
    0.5 3.0/5 "Satisfactory"
    HDFC has sold me a health insurance policy and they said after 3 years it covers maternity. But when I enquire they said its not covered in the policy and this feature is only applicable in Gold policy other than this no issues with HDFC for last 12 years. I did not have proof for this so suggest them it does not happen to any customer in future. I quite this policy from HDFC ERGO and its been one year. I took claims, it was fine. The medical coverage was satisfactory.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jul 20, 2019
  • United India
    United India Health Insurance
    "Medical cover should be increased"
    0.5 4.0/5 "Great!"
    My company gave me the medical card of United India, they gave me the mediclaim value of Rs. 2 lakhs its not sufficient when I am trying to enhanced the sum assured. My employer said to pay 10% of money from my end hence I dropped it, I think the insurer is providing cover for all the disease.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jul 20, 2019
  • review Health Insurance
    "So far its good"
    0.5 5.0/5 "Blown Away!"
    My company has provided me a health insurance with Iffco Tokio and its been 2 years. They are deducting monthly 2000 rupees from my salary. There is no claims applicable. The policy coverage is 6L for family members. They are covered with all type of major hospitals.
    Was this review helpful? 1
    , hyderabad
    Reviewed on Jul 20, 2019
  • ICICI Lombard Health Insurance
    "Good claim ratio with ICICI lombard"
    0.5 5.0/5 "Blown Away!"
    The service is faster and the claim settlement ratio is good. I have mediclaim value of Rs. 5 lakhs its covers my spouse and children, they don't have critical illness in the corporate policy. They got tied up with many hospitals in my area.
    Was this review helpful? 0
    , ghaziabad
    Reviewed on Jul 19, 2019
  • Oriental Insurance Health Insurance
    "Good for health"
    0.5 5.0/5 "Blown Away!"
    My company gave me the mediclaim of Rs. 50 lakhs its covers for my entire family around three members. They got tie up with many hospital, there was no additional value added but they are good in customer service. But I don't have any claim so far.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jul 18, 2019
  • HDFC Ergo Health Insurance
    "Good insurer"
    0.5 4.0/5 "Great!"
    I have taken a health insurance in HDFC ERGO on 2 years before. The policy is for yearly renewable.I am paying premium amount of 3 thousands in the half yearly package. While getting a policy my agent has given an information about the policy details. I use to do payments through an online. Tied up with many hospitals.
    Was this review helpful? 1
    , hyderabad
    Reviewed on Jul 17, 2019
  • Religare Health Insurance
    "Good insurer"
    0.5 4.0/5 "Great!"
    I have taken a health insurance in RELIGARE HEALTH on 2 months before. I am paying premium in the monthly package. While getting a policy my agent has given an information about the policy details. I use to do payments through an online.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jul 17, 2019
  • Royal Sundaram Health Insurance
    "Good insurer"
    0.5 4.0/5 "Great!"
    I have taken a health insurance in ROYAL SUNDARAM on last month only. I am paying premium in the monthly package. While getting a policy my agent has given an information about the policy details. They have tied up with particular hospitals only. I use to do payments through an online.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jul 17, 2019
  • Star Health Health Insurance
    "Good health insurance"
    0.5 5.0/5 "Blown Away!"
    5 years back, i have started taking the health insurance from Star health insurance. They are providing some discounts also but i did not get any claim till now. Its because of the best services an the premium is less hence i have purchased the policy with them. My entire family has been covered in this policy. I don't have any claim experience.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jul 16, 2019
  • HDFC Ergo Health Insurance
    "Not recommendable policy"
    0.5 3.0/5 "Satisfactory"
    I have chosen the health insurance from HDFC Ergo without any reason. I have been using the policy for a long time but they haven't provide the no claim bonus till now. They have provided me a coverage value of Rs. 7 lakhs and the executive come to my place to renew the policy. I do not have any claim bonus.
    Was this review helpful? 0
    , chennai
    Reviewed on Jul 16, 2019
  • United India Health Insurance
    "Good 100% claim policy"
    0.5 5.0/5 "Blown Away!"
    My employer has provided me a health insurance policy from United India. Myself and my entire family has been covered in this policy with a coverage value of Rs. 10 lakhs for each person. I had a claim experience which was very fast and smooth. It was cashless facility covered for 100%. Overall, I'm very much satisfied with the policy.
    Was this review helpful? 0
    , greater noida
    Reviewed on Jul 15, 2019
  • Max Bupa Health Insurance
    "Need to decrease premium amount"
    0.5 5.0/5 "Blown Away!"
    I have taken a health insurance in MAX BUPA. The policy is for one year but it will getting renew on every year. I am paying premium in the yearly package and the amount is too high. While getting a policy my agent has given an information about the policy details. They have tied up with particular hospitals only and cashless also applicable.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jul 15, 2019
  • Star Health Health Insurance
    "AVERAGE"
    0.5 3.5/5 "Pretty good"
    I am using from last few years the health insurance policy, i had a claim but the settlement was done for 70% within 3-4days. The coverage is for family, premium paying was nominal, medical coverage is for 4L, illness, pre existing disease coverage is available with the policy.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jul 14, 2019
  • Star Health Health Insurance
    "GOOD"
    0.5 5.0/5 "Blown Away!"
    I had a claim for 2 time and the experience was excellent, it was a reimbursement and cashless once also the customer support is good, i am using from last 10 years. It has the pre existing disease coverage and illness is there, listed hospital is good, premium was nominal, medical coverage is was 10L for family coverage.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jul 13, 2019
  • Oriental Insurance Health Insurance
    "No claim experince"
    0.5 4.0/5 "Great!"
    The benefits are good hence i opted for the oriental insurance. I have chosen the lower premium policy which has a coverage of Rs. 2 lakhs. I have chosen the policy only for me. Almost most of the hospitals has been covered with the cashless facility.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jul 13, 2019
  • Religare Health Insurance
    "Yet to explore the policy benefits"
    0.5 3.5/5 "Pretty good"
    My employer has given me a health insurance policy from Religare and they have provided me a coverage amount of Rs. 5 lakhs. Myself, my wife and my children are covered in this policy. Still now i haven't get my policy documents. They have a cashless facility with some of the hospital as well.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jul 13, 2019
  • Religare Health Insurance
    "GOOD"
    0.5 4.0/5 "Great!"
    I am using the policy from last 1year, i had a claim experience it was good and responsive with the customer support. The premium paid was nominal which was 46K+60K it gives the coverage for family and the medical coverage is for 5L for each, the listed hospital is nominal.
    Was this review helpful? 0
    , pune
    Reviewed on Jul 13, 2019
  • review Health Insurance
    "GOOD"
    0.5 3.0/5 "Satisfactory"
    I have used the heath insurance policy with IFFCO TOKIO GENERAL INSURANCE where i had claim experience but the settlement it takes nearly 3 months with the policy. It gives the coverage for my parents but the policy i am not satisfied.
    Was this review helpful? 0
    , pune
    Reviewed on Jul 13, 2019
  • review Health Insurance
    "GOOD"
    0.5 5.0/5 "Blown Away!"
    The reason for taking the health insurance policy with ADITYA BIRLA HEALTH INSURANCE CO LTD is because it is good when compared to others. the policy i am using from last 6 months and it has the validity of 1 year, it gives the self and spouse coverage.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jul 12, 2019
  • Max Bupa Health Insurance
    "GOOD"
    0.5 5.0/5 "Blown Away!"
    I have taken the health insurance policy with MAX BUPA where i had no claim experience with the policy added on that the policy has the premium as nominal has the good medical coverage. The i have been using from last 6 months and the coverage is for 2 years.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jul 12, 2019
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