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Aditya Birla Activ Assure Diamond

ILM Ratings

ILM Ratings

Claims Experience:

Customer Service:

Product Benefits:

Introduction to Aditya Birla Activ Assure Diamond

Aditya Birla Activ Assure Diamond is a robust health insurance plan offering flexible sum insured options, wellness rewards, instant annual health check-ups and optional boosters like Super No Claim Bonus and cancer/accident hospitalisation. However, it covers only limited daycare treatments and caps domiciliary treatment.

Claims Experience:

Customer Service:

Product Benefits:

Quick Overview:

What's Good?

• No restrictions on hospital room you can choose
• Non-medical costs covered - gloves, oxygen masks, etc.
• Super Bonus is available
• Mental illness treatment expenses covered
• 100% extra cover for accident or cancer hospitalisation
• Cashless annual health check-ups from day 1
• Multiple options to get premium discounts

What's Not Good?

• No monthly premium payment option
• Cap on no. of daycare treatments covered
• Domiciliary treatment comes with sub-limit

Insurer Track Record

About Aditya Birla Health Insurance Company Limited

JV Partners

Turnover (GWP)

Number of Policies

Number of Claims

Detailed Product Overview

Unique Benefits

Exclusions Unique to this Policy

Have doubts regarding this plan?

Frequently Asked Questions

Does Aditya Birla Activ Assure Diamond cover all daycare treatments?

Unfortunately, no. Activ Assure Diamond plan covers only 586 daycare procedures listed in the policy schedule.

How does the Super No Claim Bonus work under Aditya Birla Activ Assure Diamond?

Does Aditya Birla Activ Assure Diamond cover maternity expenses?

What are the key benefits of Aditya Birla Activ Assure Diamond?

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Did you know

1- Health insurance data and ratings were last updated in April 2026. All data has been sourced from product brochures, policy wordings, prospectus, public disclosures (Q4, FY 2024-2025), insurer websites, and the IRDAI website.

2- The Claims Settlement Ratio data is taken from NL-37, insurer public disclosures (Q4, FY 2024-2025). It is calculated by dividing health insurance claims settled divided by health insurance claims reported plus those outstanding at the start of the year.

3- The data related to claim complaints and policy purchase complaints is taken from NL-45, insurer public disclosures (Q4, FY 2024-2025).

4- The Solvency Ratio data is taken from NL-26, insurer public disclosures (Q4, FY 2024-2025).

5- The data related to claims settled within 30 days is taken from NL-39, insurer public disclosures (Q4, FY 2024-2025). It is calculated by dividing number of health insurance claims paid within 30 days by the total health insurance claims paid during the year.

6- The Claims Incurred Ratio data is taken from NL-4 and NL-5, insurer public disclosures (Q4, FY 2024-2025). It is calculated by dividing the Net Claims Incurred by the Net Earned Premium.

7- The Turnover data is taken from NL-4, insurer public disclosures (Q4, FY 2024-2025). It is calculated by converting net written premium to gross written premium.

8- The number of policies and claims data is taken from NL-45, insurer public disclosures (Q4, FY 2024-2025).

9- The Claim Rejection Ratio data is taken from NL- 37, insurer public disclosures (Q4, FY 2024-2025). It is calculated by dividing total claims repudiated and rejected by the sum of total claims outstanding at the beginning of the year and total claims reported during the period.

10- For now, we have considered the most comprehensive plans from leading insurance companies. We will keep updating the product pages with new plans in the coming days.

11- We have rated only those plans that can be serviced by individual advisors. This is because of our strong belief that health insurance customers need professional assistance from individual advisors before and after purchase. We do not recommend and hence do not rate direct-to-customer health insurance plans or plans where there aren't enough advisors available to service.

12- Affordability assessment of plans:

• The affordability of comprehensive plans is assessed using premiums for a family of two adults (30 years old) and one child (1 year old) residing in Zone 1, opting for a cover of ₹10 Lakhs.
• The affordability of Care Freedom Plan is assessed for a 46-year-old couple in Zone 1 with ₹10 lakh cover; premium as of 16th April 2026.
• The affordability of Care Freedom (Plan 1) is assessed for ₹5 lakh cover; premium as of 16th April 2026.
• The affordability of Acko Platinum Health Insurance is assessed using premiums for a family of two adults (30 years old) and one child (1 year old) residing in Zone 1, opting for a cover of ₹25 Lakhs. And, the premium is as of February 2024.
• The affordability of ICICI Lombard MaxProtect (Premium) is assessed using premiums for a family of two adults (30 years old) and one child (1 year old) residing in Zone 1, opting for a cover of ₹1 Crore. And, the premium is as of February 2024.
• The affordability of Niva Bupa - Senior First (Platinum), Manipal Cigna - Prime Senior (Elite) is assessed using premiums for a family of two adults (61 years old) residing in Zone 1, opting for a cover of ₹10 Lakhs. And, the premium is as of February 2024.
• The affordability of Aditya Birla Activ One (VIP+) is assessed using premiums for a family of two adults (30 years old) and one child (1 year old) residing in Zone 1, opting for a cover of ₹50 Lakhs. And, the premium is as of March 2024.
• The affordability of Aditya Birla Activ One (VIP) is assessed using premiums for a family of two adults (30 years old) and one child (1 year old) residing in Zone 1, opting for a cover of ₹50 Lakhs. And, the premium is as of April 2024.
• The affordability of Care Advantage Plan is assessed using premiums for a family of two adults (30 years old) and one child (1 year old) residing in Zone 1, opting for a cover of ₹25 Lakhs. And, the premium is as of April 2024.
• The affordability of IndusInd General Health Global (Elite) Plan is assessed using premiums for a family of two adults (30 years old) and one child (1 year old), opting for an India cover of ₹1.5 Crores and global cover of $0.15 Million. And, the premium is as of August 2024.
• The affordability of Star Health - Premier is assessed using premiums for a family of two adults (61 years old) residing in Zone 1, opting for a cover of ₹10 Lakhs. And, the premium is as of April 2025.
• The affordability of ManipalCigna - LifeTime Health (India) is assessed using premiums for a family of two adults (30 years old) and one child (1 year old) residing in Zone 1, opting for a cover of ₹50 Lakhs. And, the premium is as of April 2025.
• The affordability of Care Insurance Senior Health Advantage is assessed using premiums for a family of two adults (61 years old) residing in Zone 1, opting for a cover of ₹10 Lakhs. And, the premium is as of June 2025.
• The affordability of Optima Secure Global & Optima Secure Global Plus Plans is assessed using premiums for a family of two adults (30 years old) and one child (1 year old), opting for an India cover of ₹1 Crore. And, the premium is as of February 2026.
• The premium for Optima Super Secure is available only for a 3-year tenure and the pricing has been considered accordingly.

13-Premium ratings are as of 19th January 2026.

• For Activ One (VYTL), asthma was considered as the PED for premium retrieval.
• Aditya Birla Health – Activ Health Platinum (Enhanced): child age set to 5 years (minimum allowed).
• Care Plus: one adult must be 35+; test case updated accordingly to meet the minimum requirement.
• Care Supreme (Vikas): one adult must be 30+; test case updated accordingly to meet the minimum requirement.

14- We have considered the Inflation Protection benefit under Acko’s Platinum and Standard Health Plan instead of the No Claim Bonus Benefit.

15- We have only considered features, benefits, and limits of ‘India Cover’ under IndusInd General's Health Global (Elite) Plan.

16- The product benefits section is based on a sum insured of ₹10 Lakhs and only highlights the top benefits and features of health insurance plans.

17- Only those hidden and special conditions that apply to the benefits and features we have considered are included on the product pages.

18- The product pages only include the most significant specific exclusions under each plan, which we've simplified for better understanding.

19- The product pages do not include any generic terms, conditions, or exclusions (those that are the same and apply to all health insurance plans).

20- If the policy wording, brochure, or prospectus states that a benefit/feature is available with a specific plan but it is not available online when generating the premium quote, we have not considered that benefit/feature to be available with the plan.

21- We take into account more parameters, beyond those shown above, when calculating the customer service rating.

22- The response time on X (Twitter) was calculated using a sample set of tweets from July 2025 to December 2025 (analyzed in January 2026). The Response time on Toll Free was last evaluated in March 2026.

23- The metrics like claim complaints, policy purchase complaints, response time on Twitter and toll-free are not related to a specific product but are related to the overall performance of the insurance company.

24- The network hospitals' data was last updated in January 2026.

Your use of the website shall be governed by the Terms and Conditions and Privacy Policy of our website.

Aditya Birla Health Insurance Company Limited offers the Aditya Birla Activ Assure Diamond Plan. It is a comprehensive health insurance coverage that covers medical expenses.

With this plan, you and your family can live worry-free in the knowledge that unknown medical expenses won't throw your financial security into a loop. It's more about having peace of mind, knowing that you can always get the care you require.

This plan is relatively cheaper than other products available in the market. It covers hospitalization and other associated costs and also covers non-medical expenses. However, one disadvantage is that it does not offer comprehensive insurance coverage.

Our findings indicate that this insurance company has logged more complaints in terms of the settlement of claims and policy purchases. This implies that it does not have a very good track record in terms of claims handling as well as the purchase experience.

What are the benefits offered by the Aditya Birla Activ Assure Diamond?

• Inpatient hospitalisation coverage: Inpatient hospitalization coverage applies when you are hospitalized for more than 24 hours. Under this plan, room charges at the hospital, nursing care, doctor consultations, prescribed drugs, ICU charges, and all the other expenses which may be incurred will be covered. Under inpatient coverage, the ICU and room rent payments have no upper limit.
• Pre-hospitalisation coverage: Before your hospital stay, you may incur various medical expenses, often referred to as pre-hospitalization costs. These can cover consultation charges, lab tests, check-ups, medical reports, etc. It is important to remember that your insurer will only pay for these costs if they are directly associated with the illness that required your hospitalisation and if your claim is accepted as part of your inpatient hospitalisation costs. Under Aditya Birla's Activ Assure Diamond plan, the pre-hospitalization expenses are covered for a period of 30 days up to the sum insured amount.
• Post-hospitalisation coverage: The post-hospitalization coverage ensures the recovery of the patient from the hospital after discharge and allows follow-ups with care, medicines, and regular medical check-ups. To be covered, expenses must be directly related to your hospital stay and supported by your inpatient hospitalisation coverage. With the Aditya Birla Activ Assure Diamond plan, you get comprehensive coverage for post-hospitalisation expenses up to the sum insured for 60 days after your hospitalisation.
• Daycare treatment coverage: Daycare treatment would be those treatments or surgeries which previously required a long hospital stay but can now be completed within a period of 24 hours through advances in medical technology. There are 586 daycare treatment procedures covered under the Aditya Birla Activ Assure Diamond plan up to the sum insured.
• Domiciliary treatment coverage: The domiciliary treatments are the treatments that are received at home instead of in a hospital. Here, care is provided either because the patient is too unwell or injured to move safely to the hospital or because the bed status in the nearby hospitals is not available. This cover under the Aditya Birla Activ Assure Diamond plan will reimburse expenses toward domiciliary treatment up to 10% of the sum assured and has exclusions for 9 illnesses.
• Organ donor coverage: The Aditya Birla Activ Assure Diamond plan also covers the expenses of organ donation. It takes care of all the in-patient expenses for the organ transplant donor up to the sum insured.
• Modern treatment coverage: Nowadays, modern treatments utilize crucial advancements in healthcare and provide remedies for diseases that were once considered untreatable. Among such modern options include stem cell therapies, radiosurgery, and robotic surgeries tailored to each individual's needs. The Aditya Birla Activ Assure Diamond plan is designed to work alongside those advancements and covers expenses without any financial limit.
• Non-medical expenses coverage: Non-medical expenses include gloves, nebulization kits, oxygen masks, medical footwear, urine bags, hospital gowns and more. Under the Aditya Birla Activ Assure Diamond plan, you can rest assured that all your non-medical expenses are taken care of with no financial limits. However, this is available as an add-on benefit only.
• No Claim Bonus: In the event that no claims have been filed for the policy year, the No Claim Bonus is provided by the insurance company. With the Aditya Birla Activ Assure Diamond plan, you can accumulate a No Claim Bonus of up to 50%. However, if a claim is made in the previous year, the accumulated bonus will be reduced. For every no-claim year, you are eligible for a 10% annual bonus, adding extra value to your coverage. The No Claim Bonus will remain unaffected for claims that are up to 25% of the Sum Insured.
• Super No Claim Bonus: Super No Claim Bonus is only a more advanced form of the age-old No Claim Bonus, which indeed offers very similar benefits, but at an enhanced level. Under the Aditya Birla Activ Assure Diamond plan, one can avail of a Super No Claim Bonus as an add-on benefit. This further allows you to accumulate a maximum bonus of 100%. However, if a claim is made in the previous year, the accumulated bonus will be reduced. Also, in a no-claim year, you have the facility to enjoy a 50% annual bonus, which you can also receive as an add-on benefit.
• Restoration benefit: The restoration benefit is a special feature that replenishes your sum insured if it gets fully used up in a policy year due to unforeseen events. Under the Aditya Birla Activ Assure Diamond plan, one can avail of restoration benefits an unlimited number of times in a policy year as an add-on benefit. It applies to subsequent claims once the Sum Insured and No Claim Bonus are partially exhausted. This benefit is applicable for unrelated illnesses, including complications, and ensures reinstatement of the Sum Insured when it is partially exhausted, providing comprehensive coverage and peace of mind.

Please keep in mind that the restrictions and requirements listed in the benefits above only apply to a Rs. 10 lakh sum insured.

Aditya Birla Activ Assure Diamond: Financial Limits

• Room rent limit: The room rent limit is the amount that your insurance company will cover for your room charges in a hospital. So, if you choose a room within this limit, you will not be charged extra. If you opt for a more expensive room, a proportionate deduction will be applicable on your claim. However, with the Aditya Birla Activ Assure Diamond plan, there is no such restriction on selecting any room.
• ICU rent limit: The ICU rent is the maximum cover your plan has for your hospital stay in an intensive care unit (ICU). In the Aditya Birla Activ Assure Diamond plan, there's no limit for ICU rent and the plan completely covers its cost without any restrictions towards your ICU stay.
• Copayment: A copayment, or copay, is that portion of the approved claim amount that you have to pay out of your own pocket. The insurer will cover the rest of the expenses once you've made your contribution. With the Aditya Birla Activ Assure Diamond plan, a co-payment of 20% is applicable for individuals entering the policy at 61 years of age or above.
• Deductible: Your deductible is the amount of money you have to pay for medical services before your insurance policy starts paying for the rest. The Aditya Birla Activ Assure Diamond plan does not have any deductibles.
• Limits on surgeries/treatments: When reviewing your health insurance policy, it’s important to understand the limits on surgeries and treatments. These limits define the maximum coverage your policy offers for specific medical procedures or treatments. While some plans may set fixed restrictions on certain procedures, others could provide more flexibility. With the Aditya Birla Activ Assure Diamond plan, joint replacement surgeries and cataract treatment are covered up to the sum insured.

Please take note that the financial limits listed above are for a 30-year-old who chooses to have Rs. 10 lakhs in sum insured.

Aditya Birla Activ Assure Diamond: Waiting Periods & Exclusions

👉Waiting period

A waiting period is a set amount of time after receiving your policy during which certain diseases and medical problems are not immediately covered. It is only possible to make claims for these particular conditions after the waiting period has ended. Additionally, different insurance companies have varying waiting period rates. The various kinds of waiting periods are listed below -

• Initial waiting period: There is a 30-day waiting period for all medical illnesses except accidents. You will not be able to file a claim for any hospital stays during this time, except for accidents.
• Waiting period for pre-existing conditions: A pre-existing condition is any health issue or sickness you suffered within the past 36 months before you purchased health insurance. A waiting period of 36 months exists for pre-existing diseases under the Aditya Birla Activ Assure Diamond policy. During this waiting period, you will not be eligible to receive reimbursement for any expenses related to your pre-existing conditions.
• Waiting period for specific diseases: Regardless of your medical history, insurers also keep a list of specific illnesses or medical conditions with waiting periods in addition to pre-existing disorders. The insurer determines these waiting periods and your present health status has no bearing on them. There is also a waiting period of 24 months for specific diseases under the Aditya Birla Activ Assure Diamond plan.

👉Exclusions

In health insurance policies, exclusions refer to particular medical disorders or circumstances that are not covered. The following are a few examples of exclusions:

• Standard Permanent Exclusions: The "standard permanent exclusions" set forth by IRDAI must be followed by all insurance companies. Among them are -

1. Investigation and evaluation: Hospital stays for the purpose of observing or monitoring a patient's condition.
2. Rest, rehabilitation, and respite care: Medical care involving rest, recuperation, and relief without the requirement of active treatments or surgeries.
3. Obesity/weight control: Treatments or surgeries designed to control obesity or weight.
4. Gender reassignment: Medical procedures and treatments meant to transform into the opposite sex and change gender identity.
5. Plastic/Cosmetic surgery: Treatment or surgery designed to enhance or alter physical appearance.
6. Profession in adventure or hazardous sports: Expenditures of medical treatment because of participating professionally in adventurous activities like river rafting, mountaineering, scuba diving, and other risky sports.
7. Breach of law: Cost of treatment for offenders who have committed or attempted a criminal act.
8. Excluded providers: Treatment costs by a medical doctor or hospital not covered by the insurance firm.
9. Narcotics: Treatment for substance dependency, including addiction to alcohol or drugs, is not covered under the policy.
10. Treatments in establishments arranged for domestic purposes: Costs regarding treatment within nursing homes or other healthcare institutions aimed at offering non-medical, domestic care.
11. Dietary supplements are substances purchased without subscription:  Products like vitamins and minerals that are purchased over-the-counter without a prescription from a healthcare provider.
12. Refractive error: Costs associated with correcting refractive issues up to 7.5 diopters to improve vision.
13. Unproven treatments: Unproven treatments include medical practices, surgical operations, or treatments found to be ineffective or without scientific evidence.
14. Expenses related to sterility, birth control, and infertility: Sterilisation, contraception, artificial insemination, advanced reproductive technologies such as GIFT,  IVF, ZIFT, ICSI, gestational surrogacy, and others.
15. Maternity expenses: Prenatal and postpartum expenses as well as healthcare costs associated with childbirth.

• Additional permanent exclusions: In addition to the standard permanent exclusions adopted in most insurance policies, insurance companies may add more exclusions for certain medical conditions or circumstances. If the insurers consider that some diseases or serious health conditions are too risky to be covered, they reserve the right to permanently exclude them from your policy. It's crucial to understand that health insurers are bound by a list of illnesses set by the Insurance Regulatory and Development Authority of India (IRDAI), to which they can apply permanent exclusions. Insurers cannot impose permanent exclusions for any illnesses or conditions beyond this specified list.
• Non-standard exclusions (Specific exclusions): Non-standard exclusions are additional exclusions that go beyond the standard permanent ones defined by the IRDAI. These exclusions can differ between insurance providers and are based on the specific terms and conditions of each policy. Below are the key specific exclusions under the Aditya Birla Activ Assure Diamond plan:

1. Wounds or diseases acquired in war, invasions, or acts of foreign enemies, or in warlike operations, are excluded.
2. Substance abuse-related conditions, smoking cessation programs, or nicotine addiction treatments are not covered unless prescribed by a doctor.
3. Circumcision is excluded unless it is medically necessary to treat a disease or injury.
4. Treatments based on non-allopathic methods are not included.
5. Experimental or investigational pharmacological treatments or devices are excluded.
6. Costs for preventive care, vaccinations, inoculations, or immunizations are not covered, except for post-animal-bite treatments.
7. Examinations or tests conducted for physical, psychiatric, or psychological reasons are excluded.
8. Hospitalization solely for nutritional supplements or electrolyte replacements is not covered unless medically necessary.
9. Expenses related to hearing aids, multifocal lenses, spectacles, or contact lenses are not included.
10. Costs for hair loss treatments or products are excluded.
11. Items such as elastic stockings, diabetic test strips, and similar medical supplies are not covered.
12. Prosthetic devices or external equipment used for diagnosis or treatment are not included.
13. Treatments related to Parkinson’s disease, Alzheimer’s disease, general fatigue, sleep disorders, or stress are excluded.
14. Medical expenses for treating external birth defects are not covered.
15. Stem cell therapy is excluded except for bone marrow transplants needed for haematological conditions.
16. Treatment for sexually transmitted diseases, including venereal diseases, is not included.
17. Costs related to the screening of an organ donor are excluded.
18. Treatments for spinal injuries, skeletal structure issues, or muscle stimulation (except for treating fractures, excluding hairline fractures) are not covered.
19. Hyperbaric oxygen therapy, KTP laser surgeries, cyberknife treatments, and similar advanced treatments are not covered.
20. The use of radiofrequency treatments requires prior written approval to be covered.

What to expect in terms of claims experience if you buy from Aditya Birla Health Insurance Company Limited?

• Speed of claims settlement: Aditya Birla Health Insurance Company Limited has settled  94.59% of its claims within 30 days, ensuring an efficient and timely claim settlement experience.
• Claim-related complaints: As per our research, Aditya Birla Health Insurance Company Limited has a higher complaint rate than other insurers, 0.22%.
• Claims incurred ratio: One indicator of an insurer's financial performance is the claims incurred ratio. It shows how many claims were paid out overall compared to the amount of premiums collected within a specific fiscal year. Aditya Birla Health Insurance Company Limited has a claims incurred ratio of 68.31%.
• Claim settlement ratio: Aditya Birla Health Insurance Company Limited's claim settlement ratio stands at 94.51%. The ratio of total claims received to claims settled by the company for a specific fiscal year is displayed in this figure.
• Network hospitals: Aditya Birla Health Insurance Company Limited provides access to an extensive network of 11,000+ hospitals. This vast network ensures that clients can receive cashless care without worrying about their finances.

How is the customer service of Aditya Birla Health Insurance Company Limited?

• Policy purchase-related complaints: Based on our research, Aditya Birla Health Insurance Company Limited has received 0.03% of complaints related to its after-sales service, which is significantly higher than that of other insurance companies.
• Response on Toll-Free: Our research suggests that Aditya Birla Health Insurance Company Limited’s response time on their toll-free number is average compared to other insurers.
• Response on Twitter: According to our research, Aditya Birla Health Insurance Company Limited has an average response time on Twitter compared to others.

About Aditya Birla Health Insurance Company Limited

Aditya Birla Health Insurance Company Limited (ABHICL), a subsidiary of Aditya Birla Capital Ltd. (ABCL), is a joint venture between the Aditya Birla Group and South Africa’s MMI Holdings. Established in 2015 and headquartered in Mumbai, Maharashtra, ABHICL offers a diverse range of innovative products, including Chronic Care and Incentivized Wellness programs. The company has achieved a remarkable turnover of Rs 3,458.46 crores (GWP), with over 36.28 lakh policies issued and 13.28 lakh claims processed to date. The company is led by Mr. Mayank Bathwal, serving as its CEO and Managing Director.

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