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Activ Assure Diamond + Super Health Plus Top-Up Plan B
- HealthReturns™ rewards
- International emergency assistance service
- Sum insured of up to ₹1 crore
Why buy Activ Assure Diamond + Super Health Top Up Plan?
- Coverage for AYUSH treatments
- Receive treatment at home
- Avail health and wellness discounts
How Does
Activ Assure Diamond + Super Health Top Up Plan work?
Activ Assure Diamond + Super Health Top Up Plan work?
What's Included?
Get coverage for treatment under Ayurveda, Yoga and naturopathy, Unani, Siddha, and Homeopathy.
Get coverage for medical expenses incurred 30 days before and 60 days after hospitalisation.
Get discounts on OPD consultations, diagnostic services, and pharmacies at our network providers.
Get coverage for medical expenses incurred during hospitalisation without room rent capping.
Get expenses incurred for road ambulance when admitted at one of the network hospitals.
Get secure transportation to a hospital and back home during emergencies anywhere.
Get coverage for getting treated at home for chemotherapy, dengue, gastroenteritis or hepatitis.
What's Not Included?
No claims can be made during the waiting period.
No cover if there’s an attempt at suicide or self-inflicted injuries.
No coverage is paid out if the death is due to alcohol, hazardous activity, acts of war, or childbirth.
No cover on expenses related to diagnostic and evaluation purposes.
No coverage for non-allopathic treatments, Parkinson's, stem cell therapy or venereal diseases.
Get started with Activ Assure Diamond + Super Health Top Up Plan
How to buy?
- Assess your needs and check the plan on the ABC website.
- Carefully go through coverage and exclusions.
- Share your details, select coverage, term etc.
- Make the payment and enjoy your newfound peace.
How to renew?
- Visit the policy renewal page on the website.
- Enter your policy number and personal details.
- Check the renewal amount displayed.
- Make payment via the preferred mode and you are done.
- You will receive a confirmation email of the successful policy renewal.
How to claim?
- Intimate the insurer before your hospitalisation or as soon after as possible.
- Gather all required documents - policy, hospital bills, doctor’s notes etc.
- Visit the claims section on the website.
- Provide basic details about the policy and the policyholder.
- Submit the required documents and we’ll get back to you.
Check Your Eligibility
Eligibility Criteria
- Individual plan Child age 5 years to 25 years
- Individual plan adult age 18 years to 65 years
- Family floater minimum age 91 days for dependent children and 18 years for adults
Waiting Period
- Initial Waiting Period 30 Days (not applicable in case of an accident)
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Specified Diseases
or Procedures 24 months - Pre-existing Diseases 36 months
- Mental Illness 48 months
Customer Satisfaction Stories
Don’t just take our word for it. Hear from our customers about their successful financial journey with us
Aditya Birla Health Insurance Customer
Staying healthy has become a way of life. I really enjoy using the Activ Health app that gives all my health solutions at one place.
Aditya Birla Health Insurance Customer
Noida, India
Aditya Birla Health Insurance Customer
Aditya Birla Health Insurance has been my companion in my weight loss journey of losing 17 Kgs and helping me stay disease-free. Health Returnsᵀᴹ keeps my whole family motivated to be active and stay fit and each person can do the exercise of their choice
Aditya Birla Health Insurance Customer
Delhi, India
Aditya Birla Health Insurance Customer
Table of Contents
Why invest in the Activ Assure Diamond + Super Health Plus Top-Up Plan?
Comprehensive Coverage
The combo plan ensures you have a 360-degree coverage.
Safeguard Your Savings
Ensures you don’t need to dig into your savings to pay for a medical emergency.
Deductible Waiver for Age-Linked Sum Insured Growth
Offers increased coverage at higher ages without re-evaluating your health.
Freedom from Room Rent Restrictions
Choose a hospital room of your choice and the plan will cover it.
Discounts on OPD, Diagnostics, and Pharmacies
Get discounts on outpatient consultations, diagnostics, and pharmacy purchases.
What are the different types of waiting periods in health insurance?
Initial Waiting Period
Typically lasts for a month after policy purchase where no claims are accepted except accidental cases.
Pre-Existing Condition Waiting Period
These are ailments that were there at the time of the purchase of the plan. These claims are not accepted for 3 years since the purchase.
Waiting Period for Certain Procedures
In some cases, specific medical procedures or surgeries may have their own waiting periods, even if the policy as a whole is in effect.
What is the long-term discount on this plan?
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For a 2 year policy period - 7.5% discount
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For a 3 year policy period – 10% discount
What is the process for availing cashless facilities in case of an emergency ?
- Step 1: Contact the insurer within 24 hours of an emergency hospitalisation to pre-authorise the cashless facility.
- Step 2: Provide the necessary information such as policy number, nature of illness/injury, name of the network hospital etc.
- Step 3: An authorisation letter will be issued, specifying the approved amount, limitations, and non-payable items.
- Step 5: If rejected a valid reason will be provided for application rejection.
- Step 4: For pre-authorised cashless hospitalisations, the amount will be directly paid to the hospital by the insurer.
Under what circumstances can the deductible be waived in the Activ Assured Diamond + Super Health Plus Top Up Combo Plan?
Eligibility and Continuous Renewal
If the insured person joined this policy before turning 50 and has continuously renewed it for 5 years without a break.
Deductible Waiver Conditions
The option to waive the deductible is available when the eldest insured member is between 55 and 60 years old.
Continuity of Coverage
Choosing the deductible waiver results in continuity of coverage, including the waiver of waiting periods for the covered benefits under the policy.
What is the free-look period for this plan?
-
If you cancel during the free look period (15 days for offline, 30 days for distant marketing mode, you will get your premium back minus the expense to the insurer.
-
Deductions may include expenses during coverage, stamp duty, and the number of insured days.
FAQs on Activ Assure Diamond + Super Health Top Up plan
The premium starts at ₹10,768/year.
The sum insured is ₹1 crore which can be taken in any of the following combinations –
- ₹5 lakhs base plan + ₹95 lakhs top-up plan
- ₹10 lakhs base plan + ₹90 lakhs top-up plan
- ₹15 lakhs base plan + ₹85 lakhs top-up plan
- Hearing aids, spectacles or contact lenses including optometric therapy and multifocal lens.
- Treatment for baldness, alopecia, wigs, toupees and similar treatment
- Cosmetic, aesthetic and re-shaping treatments and surgeries
- Any Illness/injury/accident due to abuse of intoxicants
- Breach of law with criminal intent, intentional self-injury
- War, act of foreign enemy, uprising, revolution, insurrection, military or usurped acts
For more exclusions, please refer policy wordings.
With a rising interest in alternative healthcare approaches, health insurance with AYUSH treatment coverage allows you to choose holistic healing methods. It covers your expenses for alternative treatments in Ayurveda, Yoga, Siddha, Unani, and Homeopathy. You can also include AYUSH treatment coverage in your health plan as a proactive step toward preventive healthcare and overall wellness.
Yes, medical expenses related to the organ donor's organ harvesting, within the specified limits, are included in the coverage.
Here is the list of documents that you need to raise a claim request
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Claim form (the insured will fill the part A and the hospital will fill the part B of the form)"
-
Issued Health Card
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Valid ID proof (PAN, voter ID, passport)
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Original discharge summary
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Original hospital bills and payment receipts
-
All doctor consultation paper
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FIR copy or post-mortem report in case of an accident or death
Cashless hospital network
Aditya Birla Health Insurance Co. Limited. IRDAI Reg.153. CIN No. U66000MH2015PLC263677. Product Name: Activ Assure, Product UIN: ADIHLIP23130V042223, Advertisement UIN: ABHI/LF/20-21/3131. Address:- 9th Floor, Tower 1, One Indiabulls Centre, Jupiter Mills Compound, 841, Senapa ti Bapat Marg, Elphinstone Road, Mumbai 400013. Email: care.healthinsurance@adityabirlacapital.com, Website: adityabirlahealthinsurance.com, Telephone: 1800 270 7000, Fax: +91 22 6225 7700. For more details on risk factors, terms and conditions please read terms and conditions carefully before concluding a sale. Trademark/Logo Aditya Birla Capital is owned by Aditya Birla Management Corporation Private Limited and Trademark/logo HealthReturns, Healthy Heart Score and Active Dayz are owned by Momentum Metropolitan Life Limited (Formerly known as MMI Group Limited). These trademark/Logos are being used by Aditya Birla Health Insurance Co. Limited under licensed user agreement(s). Coronavirus is covered for Inpatient treatment as per the policy wordings of the product. *Optional feature. # Where claim is accepted by the Company under In-patient hospitalisation/ Domiciliary hospitalisation/Day care treatment.
Benefits are conditional to SI/Plan opted, please refer the PW/PBT for more details