Insurance Plans 966 views November 14, 2019

Aditya Birla Activ Assure Diamond Plan

About Aditya Birla Activ Assure Diamond Plan

Aditya Birla Activ Assure Diamond Plan – Anyone who has visited a hospital in recent times would know the direction in which medical expenses are going. If you haven’t been to one, a constant uptick in medical expenses means that you will run out of your savings or deplete a major portion of it in no time. To help you avoid such situations, Aditya Birla has Health Activ Assure Diamond Plan. The health insurance plan ensures that you do not have to worry about the rising costs either for your treatment or for your family members. The comprehensive health insurance plan plans to increase insurance penetration in the country with excellent features and an affordable price tag.

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Some important features of the Aditya Birla Activ Assure Diamond Plan are

  1. The health plan offers a unique feature in the form of emergency assistance services, both domestic and international, which includes air ambulance as well.
  2. Technological advancements in the medical sector mean that a lot of procedures do not require hospitalization of a patient beyond 24 hours. Active assure diamond plan from Aditya Birla offers coverage for 586 such day care procedures.
  3. The policy allows for 150% restoration of the sum insured in the case of multiple claims for unrelated hospitalizations, up to a maximum of 50 Lakhs for a term year.
  4. For every year that you do not claim your policy, you earn 10% of the sum insured as no claim bonus and can accumulate the same up to 50%.
  5. Aditya Birla active assure diamond plan covers hospitalization expenses of an inpatient, which includes room rent, nurse fees, charges for the operation theatre, consultation charges, medicines, etc.
  6. Aditya Birla Activ assure diamond plan offers free health check-ups for individual plans as well as family floater plans.
  7. The diagnosis of any critical illness can be devastating, to say the least. In such cases, the policy offers second e-opinion. It has a pool of very highly qualified doctors, who will take a look at the condition in hands.
  8. Aditya Birla has introduced HealthReturns with the plan in a bid to keep its subscribers healthy. A policyholder must undergo a medical test and remain active by committing to certain activities and earn points for the same.
  9. You can redeem these points for medicines, surgery or even paying the policy premium.
  10. Policyholders can undergo certain treatments right from the comfort of their homes. The health plan offers coverage for such procedures as well.
  11. Aditya Birla active assure diamond plan covers pre-hospitalisation and post-hospitalization expenses up to 30 days and 60 days respectively from the date of a medical procedure.
  12. If you plan to donate your organs, the plan will cover all related expenses.
  13. Aditya Birla Activ Assure Diamond plan offers health coaching for chronic diseases. The personalized coach ensures that your recovery is faster and healthier.
  14. The plan has some very handy add-ons as well. With one of the add-ons, you can upgrade your room without having to worry about charges. Alternatively, you can opt for the accidental hospital booster which will compensate you with an additional amount apart from the policy sum insured.
  15. Activ Assure Diamond plan offers super NCB with the help of which you can increase the sum insured of the plan by 50% for every year that you do not make any claims. You can enhance the sum insured limit up to 100% using this feature. This is on the top of the regular NCB and you can opt for it while renewing the policy.
  16. Aditya Birla Activ Assure Diamond Plan excludes the following from its coverage:
  17. The plan does not cover any medical expenses arising out of strikes, war or war-like situations, riots, perils of a nuclear attack.
  18. Any expenses related to eye care such as spectacles, contact lenses or even hearing aids.
  19. If the policyholder incurs any diseases or injuries as a result of abuse of alcohol or intoxicating substances.
  20. Aditya Birla Activ Assure Diamond plan excludes any treatment for psychiatric disorders or mental disorders.
  21. If a policyholder undergoes any treatment for weight loss, cosmetic surgeries, aesthetic treatments, etc. the plan does not provide cover for the same.
  22. Treatment of any sexually transmitted diseases such as HIV, AIDS, etc.
  23. The plan also does not cover any charges related to the treatment of infertility, sterility or other similar conditions.
  24. Aditya Birla Activ Assure Diamond Plan excludes medical expenses related to involvement in military, naval or air force operations.

Documents that a policyholder must submit for buying Aditya Birla Activ Assure Diamond Plan

  1. Proof of date of birth such as PAN Card, Passport, Voter’s ID, birth certificate, etc.
  2. Proof of address such as telephone bill, bank statement, Voter’s ID, electricity bill, passport, etc.
  3. Proof of income of the policyholder such as employment certificate, Form 16, etc.
  4. Proof of identity such as Aadhar card, passport, Voter’s ID, PAN card, etc.
  5. Report on medical tests that an applicant might have to undergo.
  6. A photograph of the applicant.

Claim Process for Aditya Birla Activ Assure Diamond Plan

  1. You can claim your Activ Assure Diamond plan either on a reimbursement basis or a cashless basis.
  2. For reimbursement, you would need to submit the claim form along with all hospital records and documents within 15 days of discharge from the hospital.
  3. The insurer will investigate the documents and reach out to you for any additional or supporting documents.
  4. Once approved, the amount will be transferred into your bank account.
  5. To avail cashless service, you need to inform the insurance company 3 days before hospitalization for planned cases or within 48 hours of hospitalization for emergency cases.
  6. The insurer will review the request and provide directions within 2 hours.
  7. The claim will then be settled between Aditya Birla and the hospital that you have visited.

summary

Activ Assure Diamond Plan is a smart health insurance plan that offers a lot of good features, without putting you under any financial stress. You can opt to buy the policy for multiple years, thus removing the need to renew annually. Aditya Birla is known for its excellent customer service and a hassle-free claim process. You can confidently opt for this plan, either as an individual or as a family floater plan.

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