Buy Aditya Birla Super Health 1 Crore Top-Up Plan Online In India
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Aditya Birla Activ Assure Diamond+ Super Top-Up Plan

This Aditya Birla Super Top-Up Plan helps you cover your basic healthc ...Read More

Up to 1 Cr
Sum insured
1
No. of plans
4800+
Pan India presence
96%
Claim settlement ratio
🛡️ IRDAI Approved
4.4/5 · 2,701 reviews
🏥 12,900+ hospitals
📊 1.88 solvency ratio
96% claim settlement

About Aditya Birla Activ Assure Diamond+ Super Top-Up Plan

A quick read on what this Aditya Birla Health Insurance plan covers and why it might be a fit for you.

Is there a health plan that covers exceeding medical expenses without letting you worry about its limit?

Well, Aditya Birla Activ Assure Diamond does!

The Activ Assure Diamond plan of Aditya Birla Health Insurance is your comprehensive super health plus top-up plan that covers your basic healthcare needs at affordable premiums. The major highlights of the plan's coverage include:

  • Cover for hospitalization expenses including COVID-19
  • Home treatment expenses
  • Over 586 daycare procedures covered
  • Coverage for pre and post-hospitalization expenses

Additionally, it has a wide range of coverage benefits that ensure you save on medical expenses, no limit on room rent and ICU expenses, OPD consultation discounts, pharmacy, diagnostic services, and so on. Also, over 586 types of daycare procedures are covered which require equal to or less than 24 hours of hospitalization.

An important point to note here is, that you need to pay a deductible amount on the claims you raise for hospitalization or other specifications. The deductible clause can be converted to zero which turns this policy into an indemnity plan, given that the age of the eldest member is 50 or below after 5 years of continuous renewal of the policy.

Want to know more about this plan? Read on to know further the eligibility criteria, specifications, and exclusions of the same.

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
Min- 5 years, Max- 65 years
Plan type
Top Up and Super Top Up
Sum insured options
₹3 L, ₹10 L, ₹20 L, ₹50 L, ₹80 L, ₹1 L
Waiting period
30 days
Renewability
Lifelong
Policy term
1, 2, 3 years

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • Cover for hospitalization expenses like COVID-19
  • Home treatment expenses
  • Over 586 daycare procedures covered

Cons

  • Daily hospital cash not covered
  • No maternity cover
  • Modern treatment not covered
  • E-consultation not covered

What's covered

Every CMS-driven coverage flag from the plan wording — only items with a published value render below.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Covered
  • Day-care treatment Covered
  • OPD charges Covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Not covered
  • Daily hospital cash Not covered

Family & special care

  • Maternity cover Not covered
  • New-born baby cover Not covered
  • IVF treatment Not covered
  • AYUSH treatment Covered
  • Organ donor expenses Covered

Modern & preventive care

  • Modern treatment Not covered
  • Road ambulance Covered
  • Air ambulance Covered
  • E-consultation Not covered
  • Health check-up Not covered
  • Second medical opinion Not covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Covered
  • Sub-limits Covered
  • Compassionate travel Not covered
  • Global coverage Covered

Aditya Birla Health Insurance Network Hospital List

Aditya Birla Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Aditya Birla Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Know More About Network Hospitals →

Inclusions & exclusions

What the plan pays for, and what it doesn't.

Inclusions

  • In-patient hospitalization including COVID-19
  • Home treatment for listed conditions
  • Domiciliary hospitalization
  • 586 daycare procedures
  • Pre-hospitalization expenses for 30 days
  • Post-hospitalization expenses for 60 days
  • Road ambulance cover
  • Organ donor expenses
  • AYUSH in-patient treatment
  • No room rent restriction
  • International emergency assistance with air ambulance
  • Domestic emergency assistance with air ambulance
  • Health and wellness benefits
  • OPD, diagnostics, and pharmacy discounts
  • Option to convert deductible to zero after 5 continuous renewals
  • Long-term policy discounts

Exclusions

  • Permanent diseases or health conditions that are not included under the Aditya Birla Assure Diamond Policy are:
  • Hearing aids/spectacles/contact lenses
  • Baldness treatment or any similar application like alopecia, wigs, or toupees
  • Cosmetic, re-shaping treatments and beauty surgeries
  • War, an act of a foreign enemy, insurrection, etc
  • Any illness/injury/accident due to abuse of intoxicants
  • Breach of law or intentional self-injury
  • Suicidal act or suicide
  • Diagnostic tests or unrelated consumables

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Min entry age: 18 Years
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 1 Cr

Other features & benefits

Riders of Aditya Birla Assure Diamond Policy

  • You can remove the deductible after five continuous renewals.
  • You get coverage for approved treatments taken at home.
  • You get international emergency assistance, including air ambulance.
  • You get domestic emergency assistance within India.
  • You get discounts on OPD visits, diagnostics, and medicines.
  • You get long-term premium discounts on multi-year policies.

Activ Assure Diamond+ 1 Crore Super Top-Up Plan: FAQs

The 5 most-asked questions about Aditya Birla Activ Assure Diamond+ Super Top-Up Plan, answered.

The basic sum insured under this comprehensive plan is upto 1 Crore. Also, the min. Sum insured starts from 3 Lakhs, and their are multiple SI options available in between.
International emergency assistance including air ambulance services are available under this plan.
An individual who is between 5 to 65 years of age can buy this health cover cum health insurance policy.
No, maternity cover or expenses related to newborn baby are unavailable under this policy.
A 2-year policy will give you 7.5% and a 3 year policy provides a 10% long-term discount benefit. Other than this, Aditya Birla Activ Assure Diamond insurance plan offers health return benefits on staying healthy which you can utilize to optimize your room rent limit, health coverage, and more.

Health Insurance Premium Calculator

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

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