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Aditya Birla Activ Assure Diamond logo

Aditya Birla Activ Assure Diamond

beshak-icon star
4.2/ 5
Claims Experience:
4.7
4.7/5
Customer Service:
4.2
4.2/5
Product Benefits:
3.9
3.85/5

Introduction to Aditya Birla Activ Assure Diamond

Aditya Birla Activ Assure Diamond is a health insurance policy offered by Aditya Birla Health Insurance Company Limited. A health insurance plan promises to pay for expenses related to hospitalization. It acts as a protective shield for savings and healthcare, so you and your family can live a happy, fulfilling life. With Aditya Birla’s Activ Assure Diamond Plan, you can have peace of mind knowing that you and your loved ones will have access to the required medical care without worrying about the financial burden of unexpected medical expenses. 

beshak ratings
INDIA’S FIRST UNBIASED, CONFLICT-FREE INSURANCE RATING
Verdict: Aditya Birla Activ Assure Diamond

This plan is significantly cheaper and a budget-friendly alternative to other products on the market. While it covers hospitalization and related expenses, including non-medical expenses, it does not provide comprehensive coverage. Additionally, as per our research, the insurer has received a higher number of claim settlement and policy purchase complaints. This indicates that the insurer has a poor track record in terms of both purchase and claims service experience.

Pros & Cons: Aditya Birla Activ Assure Diamond

  • arrow Cheaper than other products in the market
  • arrow No restrictions on the type of hospital room you choose
  • arrow Covers non-medical expenses or the cost of consumables such as gloves, oxygen masks, nebulization kits, etc.
  • arrow Our study observed their responses on Twitter to be relatively quicker than other insurers
  • arrow Received higher number of complaints during policy purchase compared to other insurers
  • arrow Received higher number of complaints on claim settlement compared to other insurers

Specific Exclusions: Aditya Birla Activ Assure Diamond

01 Injury or disease due to war, invasion, act of foreign enemy, and warlike operations
02 Injury or illness due to self injury or participation or involvement in naval, military or air force operation
03 Injury or illness caused by intoxicant abuse, smoking cessation programs, and nicotine addiction treatment, unless prescribed by a medical practitioner
04 Circumcision unless necessary for treating a disease or injury
+ Show 18 more

Special Conditions: Aditya Birla Activ Assure Diamond

01 No Claim Bonus will not reduce for claims made, if the claim is up to 25% of the Sum Insured

About Aditya Birla Health Insurance Company Limited

Aditya Birla Health Insurance Company Limited logo

Aditya Birla Health Insurance Company Limited (ABHICL), a part of Aditya Birla Capital Ltd. (ABCL), is a joint venture between Aditya Birla Group and MMI Holdings of South Africa. ABHICL. The current product portfolio of the company includes unique offerings such as Chronic Care and Incentivized Wellness. It was founded in 2015 and is headquartered in Mumbai, Maharashtra. Mr. Mayank Bathwal is the company's CEO and MD.

Founded in
2015
JV Partners
Aditya Birla Group and MMI Holdings
Turnover (GWP)
653.93 Crores
Number of Policies
6,47,028
Number of Claims
2,81,796

Detailed Product Specs: Aditya Birla Activ Assure Diamond

Claims Experience 4.7/5 star green
Customer Service 4.2/5 star green
Product Benefits (10L Sum Insured) 3.85/5 star green
Limits and Exclusions advisor
% of claims settled in less than 30 days
Reflects on the speed of settling valid claims
98.61%
% of Complaints received on overall claims
% customers unhappy with claims experience
0.24%
Claims Incurred Ratio
72.71%
Claim Settlement Ratio (No. of claims)
What % of the claims received were paid?
90.24%
No. of Cashless Hospitals
10,500+

Compare Aditya Birla Activ Assure Diamond with top health insurance plans

ICICI Lombard Health AdvantEdge logo
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Beshak Rating
4.8
HDFC Ergo Optima Secure logo
HDFC Ergo Optima Secure
Beshak Rating
4.5
Aditya Birla Activ Fit (Preferred) logo
Aditya Birla Activ Fit (Preferred)
Beshak Rating
4.4

Notes
  1. The health insurance data was last updated in June 2023. All data has been sourced from product brochures, policy wordings, prospectus, public disclosures (Q1, FY 2023-2024), IRDAI annual report (2021-22), insurer websites, and the IRDAI website. 
  2. 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.
  3. 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. 
  4. 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. And, the premiums are as of 31st June 2023.
    • The affordability of Care Freedom Plan is assessed using premiums for a 30-year-old male residing in Zone 1 opting for a cover of ₹5 Lakhs. And, the premiums are as of 31st June 2023.
  5. 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. 
  6. Only those hidden and special conditions that apply to the benefits and features we have considered are included in the product pages. 
  7. The product pages only include the most significant specific exclusions under each plan.
  8. The product pages do not include any generic terms, conditions, or exclusions (those that are the same and apply to all health insurance plans).
  9. If the policy wording, brochure, or prospectus state 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.
  10. The response time on Twitter (Beta) was calculated using a sample set of tweets from April, May, and June 2022 (analyzed in August, September, and October 2022). 
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