Aditya Birla

Activ Assured Diamond: This is a decent policy that covers most bases. However, it requires a 4-year waiting period before covering complications from pre-existing diseases like diabetes, so be sure to read more details.

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whatWeLike What We Like

This section highlights the strengths and benefits of Activ Assured Diamond policy by Aditya Birla. It covers what the policy does exceptionally well, including aspects that provide significant value and peace of mind to the policyholder. Here, you will find the major advantages and positive features that make this policy stand out.

You most likely don't have to split the bill

Co-Pay for Claims After Age 61 (20%): If you bought this policy after turning 61, you need to pay 20% of the bill for each claim. Otherwise, the insur...

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You can pick a Single Private room but nothing fancy

Room Choice Co-Payment: You can share a room or have a single room for yourself. But if you're looking for something fancier, be ready to foot part of...

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Pre & Post hospitalization expenses covered

Diagnostic Tests Coverage (30 days/60 days): No worries if the doctor has to run a series of diagnostic tests before or after hospitalizing you. The i...

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Day Care treatments covered

Minor Procedure Full Coverage: If you're hospitalized for less than 24 hours for a minor procedure, the insurer will cover the costs. This includes tr...

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You always have full cover irrespective of the disease

No Disease-Wise Sub-Limits: If your insurer hasn't explicitly excluded an illness, you can claim the full sum insured for any disease, as this policy ...

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Some Restoration Benefit

150% Cover Restoration: If you claim part of the cover and are hospitalized again for a different complication within the same year, your cover will b...

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Free Health Checkups every year

Annual Full Body Checkup: If you’re planning on getting a full body checkup every year just to make sure you’re in fine working condition, the insurer...

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whatIsOk What Is Okay

This section outlines the satisfactory but not exceptional aspects of Activ Assured Diamond policy by Aditya Birla. It includes features and benefits that are adequate and meet standard expectations. While these elements may not be extraordinary, they still contribute to the overall usefulness and reliability of the policy.

Special Bonus for being healthy and not claiming insurance

Coverage After 4 Years: If you're dealing with diabetes, cardiovascular problems, or similar illnesses, the insurer covers all costs after a 4-year wa...

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Some coverage if you are forced to hospitalize at home

Sum Insured Increase (10% Annually, Cap at 50%): Your sum insured increases by 10% each year as long as you make no claims during this period. But not...

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Some Cover for Alternative Medicine

Sum Insured Increase (10% Annually, Cap at 50%): Your sum insured increases by 10% each year as long as you make no claims during this period. But not...

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whatWeDontLike What We Don't Like

This section addresses the limitations and drawbacks of Activ Assured Diamond policy by Aditya Birla. It highlights areas where the policy may fall short or aspects that could be improved. Understanding these points is crucial for making an informed decision and managing expectations regarding the policy’s coverage and service.

Long waiting period for pre-existing diseases

Coverage After 4 Years: If you're dealing with diabetes, cardiovascular problems, or similar illnesses, the insurer covers all costs after a 4-year wa...

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Frequently Asked Questions

Medfin offers the latest surgical procedures to ensure that you
recover as fast as possible in the least painful way possible.

The claim settlement ratio for Activ Assured Diamond in 2024 is 99.41%. This high ratio demonstrates the insurer's commitment to efficiently processing claims, offering peace of mind to policyholders.

The Aditya Birla Activ Assured Diamond Plan covers the cost of a single private room as standard. If a single private room is not available, the plan allows for an upgrade to any available room at no additional cost.

No, the Aditya Birla Activ Assured Diamond Plan does not include maternity benefits. This exclusion applies to both in-patient and out-patient treatments related to maternity.

The No Claim Bonus (NCB) under the Aditya Birla Activ Assured Diamond Plan increases your sum insured by 10% for every claim-free year, up to a maximum of 50%. If you choose the Super NCB add-on, this bonus can increase up to 100% of your base sum insured.

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