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Last updated on: September 19, 2025
The Aditya Birla Activ Assure – Diamond Plan 2025 is an affordable, all-inclusive health insurance policy that provides comprehensive coverage for individuals and families in India. It offers benefits like hospitalization, AYUSH treatment, mental health care, day-care procedures, annual health checks, wellness coaching, and sum insured reloads up to 150%. Unique features include HealthReturns of up to 30% on premiums, unlimited room rent coverage for sums insured above ₹7 lakhs, and international medical support including air ambulance. Designed especially for young families, value-conscious individuals, senior citizens, and frequent travelers, it blends essential protection with wellness incentives, creating a balanced policy suited for modern healthcare needs.
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With the increase in medical expenses, it is critical to have a policy that is not only low priced, but also covers all the expenses- and that is what Aditya Birla Activ Assure Diamond Plan offers in 2025. This plan provides intelligent guard to you and family with returns to your healthy lifestyles in terms of HealthReturns.
It combines affordable premiums and basic cover including full hospitalization cover, day-care treatment, sum insured reloads, and wellness support all of this makes it a perfectly balanced company between the need to provide protection and pay the least possible.
Activ Assure -Diamond is the value-added health insurance product of Aditya Birla that offers 360 cover at a cost that does not make a hole in your pocket. It offers a floater of one or more lives, with options, a broad range of sum insured (up to ₹2 crore), as well as combines core health benefits, such as inpatient care, AYUSH, day-care and mental health, with additional benefits, which include annual health checks, health coaching and sum insured reload. Ideal when you have a desire to get basic health insurance alongside a bit more without going up the ladder to premium-high.
This plan will suit well:
Estimated annual premium (individual, non-smoking, healthy risk profile):
| Age Group | ₹5L SI | ₹10L SI | ₹25L SI | ₹50L SI |
|---|---|---|---|---|
| 25 – 30 yrs | ₹8,127 | ₹11,000 – ₹13,000 | ₹18,000 – ₹22,000 | ₹24,000 – ₹30,000 |
| 31 – 35 yrs | ₹9,000 – ₹10,500 | ₹12,500 – ₹15,000 | ₹20,000 – ₹24,000 | ₹28,000 – ₹34,000 |
| 36 – 40 yrs | ₹10,500 – ₹12,500 | ₹14,000 – ₹16,500 | ₹23,000 – ₹27,000 | ₹32,000 – ₹38,000 |
| 41 – 45 yrs | ₹12,000 – ₹14,500 | ₹16,000 – ₹19,000 | ₹26,000 – ₹31,000 | ₹36,000 – ₹43,000 |
Why is it worth investing in the HealthReturns?
Being healthy returns up to 30 % of your premium, which you can redeem during renewals and diagnostics or medicines.
What is reload of sum insured?
After you use the sum insured under base cover, the policy gets renewed in 150 per cent of your sum insured (up to 50 lakh) on unrelated illnesses.
Does it have capping on rents charged?
There will be no limit to the room rent or ICU above a 7 lakh rupees sum insured. Sub limit is applicable to lower SIs.
Does mental illness come in?
Yes–the plan covers hospitalization on mental illness.
What happens when I do not claim anything?
You get No Claim Bonus (10% SI every year) and Super NCB add-on enables you to redeem your SI 2 times within 2 years.
Do they have pre and post benefits?
Sure-pre-30, and post-hospitalization 60 days costs.
Does it address the international emergencies?
Yes, in the case of domestic and international assistance emergency, there is air ambulance and repatriation.
Aditya Birla Activ Assure - Diamond Plan is a scrupulous all-around health cover that is geared towards the contemporary Indian citizen who appreciates strategic policy that does not exceed the budget. This plan has a 360 core coverage, wellness incentives, reload facilities, and booster coverage, which means it is the perfect plan to have a secure base and serenity and peace of mind. It does not pursue the high-end features, it aims at the essentials well made.
How could we improve this article?
Written by Prem Anand, a content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors.
Prem Anand is a seasoned content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors. He has a strong command of industry-specific language and compliance regulations. He specializes in writing insightful blog posts, detailed articles, and content that educates and engages the Indian audience.
The content is prepared by thoroughly researching multiple trustworthy sources such as official websites, financial portals, customer reviews, policy documents and IRDAI guidelines. The goal is to bring accurate and reader-friendly insights.
This content is created to help readers make informed decisions. It aims to simplify complex insurance and finance topics so that you can understand your options clearly and take the right steps with confidence. Every article is written keeping transparency, clarity, and trust in mind.
Based on Google's Helpful Content System, this article emphasizes user value, transparency, and accuracy. It incorporates principles of E-E-A-T (Experience, Expertise, Authoritativeness, Trustworthiness).
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