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Aditya Birla Health Insurance Aditya Birla Health Insurance ★ 4.4

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
📄 Download brochure
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,701 reviews
🏥 12,900+ hospitals
📊 1.88 solvency ratio
✅ 96% claim settlement

This Aditya Birla Super Top-Up Plan helps you cover your basic healthcare needs at an affordable premium. You will get coverage for around 586 types of daycare procedures, which require equal to or less than 24 hours of hospitalization.

Why do we recommend this?
  • Cover for hospitalization expenses including COVID-19.
  • Home treatment expenses.
  • Coverage for pre and post-hospitalization expenses.

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

A quick look at what this plan covers — and what it doesn't.

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.

Delhi Mumbai Bengaluru Chennai Kolkata Hyderabad Pune Ahmedabad Jaipur Lucknow

Know More About Network Hospitals →

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

Frequently Asked Questions

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.

Explore Aditya Birla Health Insurance

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Written and reviewed by

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

Written by Naval Goel — Founder & CEO, PolicyX.com Reviewed by Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 1 Jun 2026 · Originally published: 30 Jan 2025

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