Aditya Birla Activ Assure Diamond Plan: 150% Reload of Sum Insured

Why Choose Active Assure Diamond Plan

In India, the Aditya Birla Group is a multinational business worth billions of dollars. A reliable brand in the country today, it has earned the trust of many. With over 150 companies in different sectors, the company was founded in 1857. Aditya Birla Capital, one of the company's main branches, provides health insurance along with other financial services.

There is an ever-increasing cost of medical treatments and hospitalizations. The health insurance products offered by Aditya Birla Health Insurance serve as a backup plan in case of medical emergencies. In this regard, Aditya Birla Activ Assured Diamond Health Plan is a good option. The Activ Assure Diamond Health Plan offers an all-inclusive indemnity plan to protect you and your family against almost any medical emergency.

You, your spouse, and up to four dependent children are covered by Aditya Birla Activ Assure Diamond Health Plan. Its other unique feature is that if the sum insured is exhausted, the sum insured will be automatically reloaded by 150%. There is also coverage for AYUSH treatments and 586-day care procedures included in Activ Assure Diamond.

Features of Active Assure Diamond Plan

There is a high sum insured that can range from INR 2 lakhs to INR 2 crores in the plan
Whenever you do not make a claim, you will receive a No Claim Bonus of 10% of the sum insured
Treatments provided by AYUSH would be covered by the policy
One, two, or three years can be the term of the policy
You can receive 150% of the sum insured (up to INR 50 lakhs) for a subsequent claim caused by an unrelated illness.
There are 586 procedures covered by the policy for daycare
In two years, the sum insured can be doubled, and an additional 50% of SI can be added
We also provide domestic and international emergency assistance
Take advantage of Health Returns worth up to 30% by staying fit
Upon entering the program, a member must pay a mandatory 20% co-payment if he or she is over 60 years old
The sum insured can be reloaded unlimited times for a 100% reload option
On the plan, you can receive multiple discounts

Benefits of Active Assure Diamond Plan

Hospitalizations as inpatients - As per the policy's applicable eligibility, the policy will cover expenses for a hospital stay exceeding 24 hours, including room rent, operation theatres, medicines, consumables, and doctor's fees.
Sum insured reloaded - Hospitalizations are unrelated to a previous claim in that policy term can be covered for an additional 150% of the sum insured, up to INR 50 lakhs.
Charges associated with the ICU - For sum insureds of INR 2 lakhs, 3 lakhs, and 4 lakhs, 2% of the sum insured will be covered if the insured is admitted to an ICU. As far as the Sum Insured is concerned, ICU charges will be covered up to the sum insured if the Sum Insured is more than 5 lakhs.
Pre-hospitalization and post-hospitalization - Pre-hospitalization expenses and post-hospitalization expenses are also significant. The Activ Assure Diamond Health Plan covers hospitalization and treatment-related expenses for 30 days before and 60 days after hospitalization.
Procedures for daycare - The costs of certain medical procedures are not covered by many health Insurance plans because patients do not need to be hospitalized for more than 24 consecutive hours. You are covered for 586 of these daycare services with the Activ Assure Diamond Health Plan.
Donation of organs - You will be covered for organ donation harvesting expenses if you qualify for an organ transplant under your plan.
Domiciliary care/home care - Due to the unavailability of rooms/beds, you may need to have medical treatment at home if you couldn't get admitted to a hospital. A reimbursement will be provided for such treatment.
Immunization - As long as the sum insured reaches INR 1 crore, vaccination expenses for children under the age of 18 are covered by the policy.

Exclusions Under Activ Assure Diamond Plan

A violation of the law, an illegal act, or a criminal act
Surgical procedures that are cosmetic, reshaping, or aesthetic
Psychiatric disorders
Revolutions, uprisings, and wars
Intoxication abuse
Contact lenses, hearing aids, and spectacles

FAQ

What is the Cashless Facility offered by Aditya Birla Activ Health Platinum?

That's right. If the hospital chosen falls under the Aditya Birla Health Insurance network, then both variants of Activ Health Platinum Plan (Activ Health Enhanced and Activ Health Essential) offer cashless services.

Does the Activ Assure Diamond Plan allow me to upgrade my room?

Policyholders can select the types of rooms they prefer under this plan. There is, however, a limit of Rs. 5 lakhs or more to take advantage of this option.

Are there maternity benefits available through Aditya Birla Medical Insurance?

It is true that some health plans, such as Aditya Birla Active Health, offer maternity coverage. Both the mother and the baby are covered under this policy for maternity-related expenses, vaccinations, etc.

Can you tell me how I can calculate the premium for my Aditya Birla Health Insurance policy?

A Mediclaim policy premium can easily be calculated with the help of an online calculator. A person can use this calculator to determine the amount of their annual premium and calculate it online.

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