Aditya Birla Health Insurance - Activ Assure Diamond Health Plan starting at Rs. 5,196*
Key features
Key features and benefits of this policy
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Cashless treatment at 10,000+ hospitals
Contact the insurer within 48 hours of emergency hospitalisation or 3 days before any planned hospitalisation. Find the nearest hospital here
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Modern treatment methods covered
Get coverage for new-age treatments such as robotic surgeries, oral chemotherapy, and balloon sinuplasty.
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Health coach benefit
Get the best advice on nutrition and wellness from an expert health coach as part of this plan.
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HealthReturns™ benefit
Get up to 30% of your premium as HealthReturns™ which you can use to pay for renewal premiums, medicine or diagnostic tests. You will get it in the digital cash form on the Activ health app.
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No room rent capping
You can get admitted to any type of hospital room if the sum insured on your policy is Rs. 7 lakh and above.
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Daycare procedures cover
Get coverage for 586 listed daycare procedures, which need hospitalisation for less than 24 hours.
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Sum insured reinstatement
Your sum insured on the policy will be reloaded by 150% if the original sum insured gets exhausted.
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AYUSH treatment cover
Get coverage for Ayurveda, Yoga and Naturopathy, Unani, Siddha, and Homeopathy treatments as part of in-patient care.
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Annual health checkup benefit
Avail of the annual free health checkup from the first day of the cover as part of the individual and family floater plans.
Eligibility criteria and documents required
Anyone can apply for Aditya Birla Activ Assure Diamond Health Plan as long as you meet the basic criteria mentioned below. If you meet all the eligibility criteria, we will need some basic information to complete your application process.
Eligibility criteria
- Nationality: Indian
- Age (individual plan): Minimum 5 years
- Age (family floater plan): For dependent children - 91 days | adults - 18 years
- Maximum age: 65 years
Documents required
Only basic information required while buying the policy:
- Date of birth as per the PAN Card
- Valid 10-digit mobile number
- Residential PIN code
Step-by-step guide to buy this policy
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Step 1
Click on ‘Get Quote’ to open our online application form.
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Step 2
Fill in the application form with basic details such as name, gender, mobile number, date of birth, and your residential PIN code.
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Step 3
Now click on ‘Get Quote’ to proceed.
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Step 4
From the list of policies shown, choose Aditya Birla Activ Assure Diamond Health Plan by clicking the ‘Buy Now’ button.
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Step 5
Select the policy term and premium amount.
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Step 6
Enter your email ID and check if all personal details shown are correct. Click ‘Next’ to proceed.
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Step 7
Enter some additional details, such as height, weight, nationality, marital status, address, and nominee details (if applicable).
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Step 8
Answer a few questions about your health and lifestyle by clicking the relevant checkboxes. Click on the ‘Next’ button to proceed.
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Step 9
Verify if the previously filled details are correct and click on the ‘Proceed’ button to visit the payment page.
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Step 10
Make the payment through netbanking, UPI, debit or credit card to buy the policy.
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After successful payment, your policy document will be available for you to download instantly. A copy of the policy document will also be mailed to your registered email ID within 5-7 working days.
You will also receive an SMS confirmation immediately after the payment process is completed.
You can also access your policy details through the My Account section within 5-7 days after purchase.
Policy details
Here’s a quick look at the policy details of the Aditya Birla Activ Assure Diamond Health Plan:
| Policy details | Description |
|---|---|
| Policy type | Individual (self only)/family floater |
| Starting premium (in Rs.) | 5,196* |
| Maximum sum insured (in Rs.) | 2 crore |
| Policy term | One, two and three years |
| Renewal | Lifetime renewable |
| Number of members covered | 6 members (2 adults + 4 children) |
Key inclusions and exclusions
Here’s a quick look at the inclusions and exclusions under the Aditya Birla Activ Assure Diamond Health Plan:
- Key inclusions
- Key exclusions
| Key inclusions | Description |
|---|---|
| Accidental hospitalisation booster | Optional coverage of another 100% of the sum insured |
| Cancer hospitalisation booster | Get an additional 100% of the sum insured for hospitalisation due to cancer |
| Cumulative bonus | Get a cumulative bonus of up to 50% of the sum insured if no claims are made for one fiscal year |
| Key Exclusions | Description |
|---|---|
| War | Losses arising due to an act of war/terrorism/invasion |
| Breach of law | Criminal intent, intentional self-injury or attempted suicide while sane or insane |
| Substance abuse | Abuse of intoxicants or hallucinogenic substances such as intoxicating drugs and alcohol |
| Cosmetic surgery | Cosmetic, aesthetic, and re-shaping treatments and surgeries |
| Others | Hearing aids, spectacles or contact lenses, including optometric therapy |
| Waiting period | Initial period - 15 – 30 days | For listed illnesses/procedures - 24 months | For specified diseases/procedures - 48 months | For pre-existing diseases - 48 months |
Product information
For complete details on product benefits, features, terms and exclusions, please read the product brochure and policy wordings carefully before buying a policy.
How to raise a cashless claim
Follow these steps to raise claim requests for cashless hospitalisation with Aditya Birla Health Insurance.
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Step 1 - Contact the insurer
Reach out to the insurer within 48 hours of emergency hospitalisation and 3 days before planned hospitalisation.
1. Toll-free: 1800-270-7000
2. E-mail: care.healthinsurance@adityabirlacapital.com -
Step 2 - Locate a network hospital near you
You can get cashless treatment at 10,000+ Aditya Birla Health Insurance network hospitals across India. Click here to locate a hospital near you.
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Step 3 - Verify patient’s identity
Share the patient’s policy number or the Aditya Birla Health Card along with a valid identity proof (PAN, voter ID, passport) at the hospital reception.
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Step 4 - Submit the pre-authorisation form
Fill and submit the pre-authorisation form available at the hospital desk. You can also download the form online and fill it beforehand.
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Step 5 - Claim settlement
The insurer will review and verify the documents and process the claim per the policy terms and conditions. The bills will be settled between the insurer and the hospital.
How to raise a reimbursement claim
To reimburse your hospital and medical expenses with Aditya Birla Health Insurance, follow these steps.
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Step 1 - Contact the insurer
Reach out to the insurer within 48 hours of emergency hospitalisation and 3 days before planned hospitalisation.
1. Toll-free: 1800-270-7000
2. E-mail: care.healthinsurance@adityabirlacapital.com -
Step 2 - Settle all hospital bills
Settle all medical bills and other costs involved in hospitalisation and treatment at the hospital.
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Step 3 - Submit necessary documents
Submit the required documents like the reimbursement claim form, hospital discharge summary, bills and prescriptions, and more to the nearest branch office of the insurer.
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Step 4 - Claim settlement
The insurer will review and verify the documents and process the claim as per the policy's terms and conditions.
Documents required for raising a claim request
Here is the list of documents you need to raise a claim request with Aditya Birla Health Insurance.
- Claim form (Part A and B). Part A to be filled by the insured and Part B to be filled by the hospital
- Aditya Birla Health Card
- Valid ID proof (PAN, voter ID, passport)
- Original discharge summary
- Original hospital bills and payment receipts
- All doctor consultation papers
- FIR copy or post-mortem report in case of an accident or death
Frequently asked questions
There are 10,000+ network hospitals of Aditya Birla Health Insurance across India. Click here to look at the list of hospitals you can avail of the cashless facility. Alternatively, you can also access the list on the official Aditya Birla Health Insurance website.
Aditya Birla Activ Assure Diamond Health Insurance Plan is an all inclusive health policy with a maximum cover of Rs. 2 crore for individuals as well as family members. This plan has added benefits such as cumulative cover, cancer hospitalisation cover, AYUSH care cover, and many more features.
Dependent children from age group of 91 days to 5 years will be covered only if one adult is covered under the family floater policy. In case of an individual policy, the minimum age at entry is 5 years. Age is calculated as the number of years completed on the last birthday.
Aditya Birla Health Insurance plans do not cover expenses incurred from specific conditions such as substance abuse, dental treatments, and plastic surgeries.
You can reach out to Aditya Birla Health for any claim or policy-related queries in the following ways:
• Toll-free: 1800-270-7000
• E-mail: care.healthinsurance@adityabirlacapital.com
