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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:
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 DETAILS |
Activ Assure Diamond |
Loan Insurance Policy |
| Product Type | Top Up and Super Top Up | Individual |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Covered | - |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | - |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Covered | - |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | - |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | - |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | - |
| Hospital_network (Number of Hospital Network in city) |
12900 | 6000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Covered | - |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Not Covered | - |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | - |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | - |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | - |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Not covered | - |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Covered | - |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Covered | - |
| Plan Entry Age | Min- 5 years, Max- 65 years | 18 years to 65 years |
| Plan Premium Entry Age and S/A | - | 2,000 |
| Plan Waiting Period | 30 | 90 |
| Plan Coverage | - | Critical Illness/Accident/Job Loss |
| Plan Sample Premium | 962 | NA |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1, 2, 3 years | 1/2/3 Years |
| ICU Charges | Covered | - |
| Covid-19 Treatment | Covered | - |
| Cataract | Covered | - |
| Automatic Restoration | Not Covered | - |
| Ayush Treatment | Covered | - |
| Modern Treatment | Not Covered | - |
| E Consultation | Not covered | - |
| Air Ambulance | Covered | - |
| Global Coverage | Covered | - |
| Claim Ratio | 96 | - |
| Solvency Ratio | 1.88 | 2.03 |
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