Aditya Birla Activ Assure Diamond Plan

A health insurance plan that allows you to benefit on being active. Sounds interesting? This health plan is all that you will ever need for a healthy life.

Aditya Birla Company Overview

Aditya Birla group, the Indian multinational conglomerate, is a brand that is almost omnipresent in the country. The headquarters of the Company is in Mumbai and it has operations in more than 35 countries across the globe. Seth Shiv Narayan Birla was the founder of the company in 1857 and the brand has done well over the years. It deals with products and services in metals, cement, fibres, apparel, chemicals, fertilizers, IT services, financial services, telecom and so on.

One such crucial arm of the brand is Aditya Birla Capital. This arm looks after all the financial services. Formerly known as Aditya Birla Financial Services Limited, the brand has its presence in insurance, private equity, asset management, project finance, structured finance, general insurance broking, corporate lending, wealth management, equity and so on.

Aditya Birla Capital has more than 17,000 employees and 2,00,000 + agents or partners to ensure the reach of products. Till the 31st of December 2018, the brand was known for managing INR 3,000 billion and lending over INR 600 billion. It is safe to say that Aditya Birla Capital has established itself as one of the leading names in the financial services sector.

Aditya Birla Activ Assure Diamond Plan Overview

The insurance sector in the country is one of the most intriguing business opportunities. A low insurance penetration rate means that there are plenty of opportunities for insurers to grow. And with the help of Activ Assure Diamond Plan, Aditya Birla aims to do exactly the same. For the ones who have been to any hospital in recent times or have undergone a medical treatment would know the plight of such situations.

Medical procedures and hospitalisation charges are constantly on the rise. Merely banking on your savings might just not be enough to get you or your loved ones out of such tricky situations. Even if you do manage to take care of the expenses, you will soon realise that you have depleted a large chunk of your savings. Buying a health insurance plan would be a smart decision in such times. Our ever-changing lifestyles also warrant to have a backup plan for medical emergencies. And these changes have left us vulnerable to a lot of medical conditions. With good medical insurance, you can take care of your pre-hospitalisation as well as post-hospitalisation related expenses.

This is where Aditya Birla Activ Assure Diamond plan comes into the picture. It is an ideal health insurance plan that will ensure that you and your loved ones are not bothered by the rising costs of hospitalisation or medical procedures. If you are someone who is looking for a health insurance plan that offers high sum assured and is hassle-free to buy and maintain, this is the plan for you.

The plan has quite a few interesting features and benefits up its sleeves, which makes the plan worth investing your money in.

Benefits Of Aditya Birla Activ Assure Diamond Plan

It is only natural that one would want to know the various benefits of buying a health insurance plan. Should you decide to buy Activ Assure Diamond plan, the following are the benefits that you get instant access to.

  • When you opt for Activ Assure Diamond plan, the plan has your back for 586 day care procedures. Even if a person is not hospitalised for 24 hours or less, they can still avail the benefits of the health plan.
  • The health plan has a unique benefit of offering emergency assistance services both domestic and international, which includes air ambulance as well.
  • Aditya Birla’s HealthReturnsTM is up for grab, which is worth up to 30% of the premium that you have paid. This is specifically designed to ensure that the policyholder remains fit and healthy.
  • The ability to reload the sum insured up to 150% once your base sum insured gets exhausted, so as to take care of unrelated medical conditions. The upper limit to this benefit is INR 50 lakhs.

Features Of Aditya Birla Activ Assure Diamond Plan

To complement the above key benefits, Activ Assure Diamond plan offers the following features. As a prospective policy buyer, being aware of these benefits and features will aid you in taking a much better decision.

  • If a policyholder is hospitalised for more than 24 hours or is declared as an in-patient, the policy covers expenses such as room rent, operation theatre charges, nurse charges, doctor’s fee and so on. This is applicable for both emergency as well as planned cases.
  • Medical treatments are just not limited to stay in the hospital. There are quite a few expenses that occur before or after it. Activ Assure Diamond plan offers cover for such pre-hospitalisation expenses up to 30 days prior to a medical procedure, or for post-hospitalisation expenses up to 60 days post a medical procedure.
  • There might be instances where a hospital might run out of beds or you might want to undergo treatment at your home. The policy covers such expenses as well.
  • Policyholders who believe in AYUSH (Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy) treatment also can benefit from buying the plan.
  • If you opt for the Activ Assure Diamond plan and do not claim for a fiscal year, you can avail no claims bonus. The NCB is 10% of the sum assured for the policy and can be accumulated up to 50%.
  • Irrespective of whether you are opting for an individual plan or family floater plan, the insurer will provide a free health checkup for all applicants. The tests usually are dependent on the age of the insured and the sum assured that they have opted for.
  • Diagnosis of a critical illness can be devastating news for a family. In such cases, the insurer offers a second e-opinion. A pool of well-qualified specialists looks at the case.
  • Aditya Birla Capital has a unique program called HealthReturnsTM. To earn your HealthReturnsTM you must undergo a medical examination and exercise to earn Activ Dayz. Depending on your health score and Activ Dayz, you can earn more points. You can then use these points to either buy medicines, pay for a surgery or even pay policy premiums.

What Is Covered in Aditya Birla Activ Assure Diamond Plan?

Aditya Birla Activ Assure Diamond Plan offers an exhaustive list of coverages. Here is a quick list of the same.

  • In-patient hospitalisation cover.
  • Daycare treatment related expenses.
  • Post-hospitalisation medical expenses.
  • Pre-hospitalisation medical expenses.
  • The plan offers a daily allowance.
  • The plan offers No Claims Bonus.
  • Domiciliary treatment of the policyholder.
  • Free health checkup program.
  • The plan offers a health coach.
  • The unique HealthReturnsTM.
  • The option to upgrade your rooms.
  • A booster for cancer treatment.
  • A booster for accidental cases.
  • Availability of a super NCB. And so on.

What Is Not Covered in Aditya Birla Activ Assure Diamond Plan?

The following are a few of the conditions and scenarios where your Activ Assure Diamond plan might not save the day for you. It is essential that you go through the entire exclusion list to ensure that your claims are not rejected.

  • Injuries that are self-inflicted or the ones that are caused due to military acts or wars.
  • Any form of injuries that are a result of drug abuse or other intoxicating substances.
  • Mental disorders or psychiatric disorders.
  • Treatments related to weight loss, cosmetic treatments or aesthetic treatments.
  • Expenses related to contact lenses, hearing aids or spectacles.

Eligibility for the Activ Assure Diamond Plan

It should not come as a surprise that the company has a few yardsticks before letting you buy the policy. To be able to enroll under Activ Assure Diamond plan, the minimum age should be 5 years and there is no cap on the upper limit. Yet, there is a clause that comes into the picture if the applicant’s entry age is more than 61 years. At such times, the policyholder has to pay a 20% co-pay charges during claims.

Documents Required for Aditya Birla Activ Assure Diamond Plan

The following is the list of documents that you need to furnish should you want to buy Activ Assure Diamond plan.

  • Any proof of age which includes birth certificate, Voter’s ID, PAN card, passport etc.
  • Any proof of identity which includes passport, Aadhaar card, PAN card, Voter’s ID etc.
  • Any proof of income which includes Form 16, salary slips, employment certificate etc.
  • Any proof of address which includes telephone bill, electricity bill, passport, bank statement, Voter’s ID etc.
  • Any medical tests that the insurer requires you to undergo.
  • A photograph of the applicant.

Conclusion

If you wish to secure your future without any concerns for health-related expenses, buying the Activ Assure Diamond plan is one of the smartest decisions. The plan offers excellent coverage, doesn’t burn a hole in your pocket and the buying and claims process is hassle-free. The insurer also allows you to buy the plan for multiple years, thereby skipping the need to renew on a yearly basis.

Customer Reviews Of Aditya Birla Activ Assure Diamond Plan

A lot of policyholders have posted positive reviews about the policy across various platforms. The policy has received 4 stars out of 5, after considering the votes by many users. When it comes to cashless treatment, the policy has received 4/5. In terms of customer service, the policy has received 4/5. In terms of medical coverage, policyholders have rated the policy 4.5/5. As far as claim experience is concerned policyholders have rated it 4/5. And for the last parameter of responsiveness, the policy receives 5/5 from its users.

FAQ's On Aditya Birla Activ Assure Diamond Plan

What is the validity of the policy?

It largely depends on the tenure that you select for your policy. It starts with a minimum of 1 year, but can be also bought for 2 or 3 years.

Is there a waiting period for maternity benefit?

This plan does not offer maternity benefits.

How long does it take to settle claims?

Usually, the claims take less than 7 working days to be settled. If due to some reason, the claim is not settled, it will be done within 30 days.

What is portability?

If you are not happy with your current insurer or the policy, you can choose to move to another insurer offering a similar policy. In such cases, you do not miss out on the waiting periods and can get rid of bad insurers or policies.

How are health returns earned?

HeathReturnTM is an exclusive program that Aditya Birla Capital runs to ensure that the policyholders remain fit and healthy. These rewards accumulate as and when you complete a certain set of activities or tasks. There are three primary ways in which you can earn HeathReturnTM.

  • You must undergo a health assessment test which will provide you with a healthy heart score.
  • Your next target is to earn Activ Dayz by exercising as regularly as possible.
  • You can then earn HeathReturnTM on a monthly basis depending on the accumulated healthy heart score and Activ Dayz.

Define ActivDayz?

Staying active and being involved with exercises or activities is one of the most rudimentary ways of staying healthy. The whole idea and concept of Activ Dayz revolves around that. Think of this as encouragement for staying active and pushing limits day in and day out. To stay active, you can choose any activity that you like such as, cycling, running, dancing, skipping, etc. The following are three prominent ways of earning Activ Dayz.

  • Whether you go for a jog, run or simply walk. Covering 10,000 steps on a daily basis will help you get an Activ Dayz.
  • You can use your fitness band to calculate the number of calories that you have burned. And if the number is 300 calories, you earn Activ Dayz.
  • The last way to earn Activ Dayz is to visit one of the approved gym partners on a regular basis.

How to use the earned health returns from ActivDayz?

The next most obvious question would be, how do you utilize the Activ Dayz and where do you use them? Well, to make things easier for customers to adopt, Aditya Birla offers a multitude of things that you can do with the earned HeathReturnsTM.

For starters, you can do really small things such as buy medicines with these points. Once you have accumulated a healthy number of points, you can even use them in surgeries that do not require a waiting period or exclusion. Lastly, you can even use the points to pay the policy premiums. The only condition is, you should have renewed your policy at least once.

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