Aditya Birla Activ Assure – Diamond Plan (2025): Everything You Need to Know

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.

What is Activ Assure -Diamond?

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.

Why Choose This Plan in 2025?

• Get up to 30 percent of your premium back as HealthReturns/ on health products in medicines, tests or re-enrollment.
• Reload of 150 percent of sum insured in case of other and unrelated illness (max 50 lakh per annum).
• Network of more than 10,000+ cashless hospitalized network hospitals.
• Covers 586 day-care procedures, despite the less than 24 hours stay.
• Full circle safety: rent of the room, the rates of a doctor, nursing, OT, medicines, aliment, diagnostics, etc.
• No capping on the room rent 7 lakhs sum insured and above.
• Its treatment costs include AYUSH, road ambulance, and expenses of organ donors up to SI.
• Specific cash 500/-per day, up to 5 days hospital cash, sum insured up to 4 lakh.
• Yearly health check-up without costs since Day 1 and the presence of a health coach.
• Presence of domestic and international medical help including air ambulance.
• Hospitalisation due to mental illness and drug or alcohol addiction is covered under primary sum insured.
• Super No Claim Bonus: get an increase in your sum insured of 2 years without any claims (optional).
• Reluctance booster, accidental hospitalization booster and cancer hospitalization booster (additional SI is the base minus 1-required).
• Second e-opinion to 15 critical illnesses.
• The co-pay is set at 20 percent of the total amount of the entrant whose age is 61 plus years and nil above such an age.
• Long-term policy discounts, family discounts and group discounts are available.

What’s Covered?

• A 30-day pre-hospital and 60-day post-hospital cover is given on consultations, diagnostics, medications.
• Widespread in-patient care (including the rooms, ICUs, treatment and consumables) without usage of cash.
• The full coverage of all the day-care procedures (586).
• Home-care (domiciliary) costs due to the illness that obliges the latter.
• The in-patient AYUSH.
• Network and non-network road ambulance paid (up to 5000)?
• Included in the treatment costs are the organ donor costs.
• Unlimited health coach access to you, and Day 1 yearly health check-up.
• Mental (psychiatric) hospitalization including primary sum insured.
• Second-opinion coverage of critical illnesses.
• Domestic and international support of air/road ambulance.
• Hospital cash ( egypt)\t\t( 500/day up to 5 days) in case SI < = 4 lakh
• Accidental & cancer hospitalization boosters at an additional cover.

What is not Covered? (Exclusions)

• Treatments under the 30 days initial waiting period (not accidents).
• Waiting conditions/surgeries (e.g. joint replacement, hernia) Listed.
• 48 months exclusion period of pre-existing disease (which can be waived through add-on).
• Pre/post hospitalization under the rule of AYUSH was only covered on the approval of IPD.
• Cosmetic treatments, weight-loss and fertility treatments.
• Non-medical products such as spectacles, ear lenses, ear aids.
• Self-harm, drug abuse, injuries of crime/felony, war or nuclear accidents.
• Unproven / experimental treatments not involved.
• Outpatient consultations related to mental illnesses are not covered (only an IPD treated related to mental illness).

Who Should Consider This Plan?

This plan will suit well:

• Families or young people seeking an all-inclusive and not very expensive health cover.
• Values-oriented customers who want features added to a budget with high-cost premiums to avoid.
• Individuals willing basic coverage but with addition of incentives such as health rewards, coverage, booster, reload and wellness support.
• People who desire to have a top-up option on a sum insured in case of severe or accidental diseases.
• People who go on vacation or on business trips and have to receive some kind of emergency medical help.
• Senior citizens who are delighted to pay a minimal co-payment and current economically-aware families.

Premium Chart (Indicative – 2025)

Estimated annual premium (individual, non-smoking, healthy risk profile):

FAQs

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.

Final Thoughts

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.