Aditya Birla Activ Assure Diamond Plan

Aditya Birla Activ Assure Diamond Plan offers a comprehensive health insurance solution to address the escalating medical expenses in today’s healthcare landscape. The healthcare costs are consistently escalating, which is why possessing adequate health insurance coverage is paramount to safeguarding your well-being. If you seek a cost-effective yet extensive health insurance option, the Aditya Birla Activ Assure Diamond Plan presents itself as an optimal choice.

This plan is tailored to provide robust protection for policyholders and their family members, ensuring peace of mind amidst the uncertainties associated with soaring medical expenditures. You can mitigate the financial burden associated with healthcare emergencies by opting for the Aditya Birla Activ Assure Diamond Plan, which facilitates timely access to quality medical care without undue strain on your finances.

In this guide, we will cover the key features and benefits of Aditya Birla Activ Assure Diamond Plan, highlighting how it serves as a reliable avenue for securing the health and well-being of policyholders and their families. Through a detailed examination of its offerings, we aim to equip readers with the necessary information to make informed decisions for their healthcare coverage needs.

Why Should You Buy Aditya Birla Activ Assure Diamond Plan?

You can consider the following reasons to Consider Aditya Birla Activ Assure Diamond Plan as a part of your financial planning:

The plan provides extensive coverage for policyholders and their families, offering a wide range of sum insured options to choose from.
The policy ensures additional financial protection in the event of exhausting the sum insured due to multiple claims in a policy year with a unique feature of 150% sum insured restoration.
Policyholders can benefit from consultations and sessions with a health coach, focusing on managing chronic or lifestyle-related illnesses.
The plan offers round-the-clock helpline assistance and customer care support, ensuring prompt and efficient post-sale services.
As an add-on feature, the Super NCB (No Claim Bonus) enables policyholders to maximize the accrued NCB benefits for not making claims during the policy tenure.

Also Read: Mediclaim Policy: Definition, Benefits, Types, & More

What are the Key Benefits of Aditya Birla Activ Assure Diamond Plan?

In the event of an unrelated illness, the plan offers the provision to reload the sum insured, allowing policyholders to access additional coverage up to a maximum of 50 lakh.
The policy extends coverage to the listed 586 day-care procedures that do not necessitate 24 hours of hospitalization.
In case of emergencies, including the need for air ambulance services, policyholders can avail themselves of domestic and international healthcare assistance. This feature provides comprehensive support to policyholders, regardless of their location, ensuring access to timely and quality medical care.
Eligible policyholders have the opportunity to earn up to 30% of Health Returns on their annual premium as a reward for maintaining good health and fitness.
The plan offers a cumulative bonus of 10% to be earned for each claim-free year, rewarding policyholders for responsible healthcare behavior.

What are the Inclusions of Aditya Birla Activ Assure Diamond Plan?

Comprehensive coverage for hospitalization expenses, including consultation fees, nursing fees, room rent, OT charges, and medication costs
Reimbursement of consultation or diagnostic test expenses incurred up to 30 days prior to hospitalization
Reimbursement of consultation or diagnostic test expenses incurred up to 60 days after hospitalization
Day care treatment coverage for 586 specified day-care procedures that do not require 24-hour hospitalization
Reimbursement for expenses incurred due to receiving treatment at home.
Road ambulance facility coverage for the cost of transportation to a hospital by road
Reimbursement of expenses related to harvesting an organ for transplantation
Restoration of 150% of the sum insured
AYUSH treatment coverage for Ayurveda, Yoga, Naturopathy, Unani, Siddha, Homeopathy, etc.
Provision of Rs. 500 as daily cash allowance for a maximum of 5 days of hospitalization
Coverage for vaccination expenses for insured children up to 18 years, applicable only for Sum Insured Rs. 1 crore
One health check-up per policy year
Extension of the No Claim Bonus benefit, allowing accumulation of 50% NCB every year up to a maximum limit of 100%
Room upgrade facility to choose a room as per preference.

What are the Exclusions of Aditya Birla Activ Assure Diamond Plan?

Injuries resulting from self-inflicted acts, including suicide or attempted suicide
Injuries sustained during war, war-like situations, civil commotion, or riots
Injuries sustained while under the influence of alcohol or other intoxicating substances
Injuries resulting from military acts or participation in wars
Expenses related to mental illness, cosmetic surgery, and weight loss treatments
Expenses for obtaining contact lenses, hearing aids, or spectacles
Expenses incurred for non-allopathic treatments, including alternative and traditional medical practices

Knowing about these exclusions is important when evaluating the coverage provided by this plan. They delineate situations and treatments for which reimbursement or coverage is not applicable. You can thoroughly review the policy document to better understand the scope and limitations of coverage offered by the plan.

What is the Eligibility Criteria for Availing Activ Assure Diamond Plan?

Entry age: 91 days to 5 years for dependent child, 5 years for individuals (children up to 25 years can be included on a floater basis)
Maximum age: No age limit for entry into the plan
Plan tenure: Choice between a plan tenure of 2 or 3 years
Policy type: both individual and family floater policies available
Sum insured: Range from Rs. 2 lakhs to 2 crores
Co-payment: applicable if the insured is above 61 years old

These eligibility criteria outline the parameters that you need to fulfill to buy Aditya Birla Activ Assure Diamond plan. Prospective policyholders need to review these eligibility requirements carefully before deciding to purchase the plan.

You May Like to Read: All About Aditya Birla Health Insurance

Discounts You Can Avail of With Activ Assure Diamond Plan

5% discount if 2 or 3 family members are covered under the same policy
10% discount if four or more family members are covered under one policy
5-10% for selecting a policy tenure of 2 or more years
An additional 10% discount for the employees of the Aditya Birla Group
10% discount for employees of intermediaries associated with Aditya Birla

Potential policyholders must inquire about eligibility criteria and availability procedures for these discounts at the time of purchasing the plan.

What are the Waiting Period Clauses for Aditya Birla Activ Assure Diamond Plan?

Initial waiting period of 30 days for any claim except for accidental claims
2-year waiting period for specific treatments listed in the policy document (refer to the Aditya Birla Activ Assure plan brochure to review the complete list of treatments)
A waiting period of 48 months for pre-existing illnesses unless the policyholder has opted for the Pre-existing Disease (PED) reduction add-on

More About Aditya Birla Activ Assure Plan Claim Process

Steps to proceed with cashless claim

Inform the insurer at least 48 hours prior to planned hospitalization. In case of emergency hospitalization, notify the insurer within 2 hours.
Approach the Third-Party Administrator (TPA) helpdesk at the hospital
Fill out the pre-authorization letter and request cashless services
The insurer will verify the submitted form and documents
Upon approval, the insurer will provide authorization for cashless treatment. If not approved, pay the bills initially and proceed to register a reimbursement claim
If your cashless request gets approved, the insurer will settle the incurred expenses directly with the hospital.

Steps to proceed with reimbursement claim

Initially pay the hospital bills for the treatment received
Collect original bills, receipts, and other relevant documents
Obtain a discharge summary detailing the nature of the illness and a medical report signed by the treating doctor explaining the treatment received
Complete the claim form and submit it to the insurance provider along with the supporting documents
The insurance officer will verify the submitted documents and process the claim
You will receive compensation up to the admissible amount after deductibles or charges not covered by the insurer are accounted for

Documents Required to Buy Aditya Birla Activ Assure Diamond Plan

Birth certificate, Aadhaar Card, PAN Card, etc. verifying the age of the insured
Any government-issued identity document
Salary slip, Form 16, or any other document providing evidence of the insured individual’s income
Utility bill, Driving License, Bank Account Statement, or any other document confirming the residential address of the insured
Recent passport-size photographs of the insured

**If requested by the insurer, a medical test report may be required to assess the health status of the insured individual

These documents are essential for purchasing the Aditya Birla Activ Assure Diamond Plan. Policyholders need to ensure that all required documents are accurate, valid, and duly submitted as per the guidelines provided by the insurer.

How to Renew Your Aditya Birla Activ Assure Diamond Plan?

Visit the official website of Aditya Birla Health Insurance.
Navigate to the ‘Renew’ option.
Fill out the renewal form with relevant details such as Policy Number, Date of Birth (DOB), and mobile number.
Review the premium amount displayed. If acceptable, proceed to make payment online.
Upon successful payment, you will receive a renewal notification along with an acknowledgement. You can also download the renewed policy from your registered email ID.

If you want to renew it offline, simply approach the insurance agent to assist with the renewal process.

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