Pre & Post Hospitalisation Expenses CoverageAditya Birla Activ Assure Diamond Plan covers the cost of all the tests, medication, treatments, etc you may incur before and after you are discharged from the hospital. This means that you need not fret about arranging funds to cover these expenses.

The insurer will cover these expenses up to the sum insured for 30 days before you are hospitalised and 60 days after you are discharged from the hospital. But, on one condition - the expenses must be related to the medical condition for which you are hospitalised and your claim must be approved as part of your inpatient hospitalisation coverage.

Daycare Treatment CoverageDid you know certain surgeries or medical procedures that used to require an extended hospital stay can now be done within 24 hours? All thanks to technological advances in medicine! These are called daycare treatments. With such treatments, you can now enjoy a faster recovery time and can quickly return to your regular activities. And, the best part is that Aditya Birla Activ Assure Diamond Plan covers over 586 daycare procedures up to the sum insured under this policy.

Domiciliary Treatment Coverage: Sometimes, an injury/illness that requires immediate medical attention may prevent you from getting hospitalised due to its severity or the unavailability of no hospital beds in the hospital. In such cases, you can get medical treatments/procedures right from the comfort of your home. Aditya Birla Activ Assure Diamond Plan covers domiciliary treatments up to 10% of the sum insured.

Organ Donor CoverageAditya Birla Activ Assure Diamond Plan includes coverage for organ donors. Under the policy, it covers the costs related to harvesting the organ from the donor for transplantation, up to the sum insured (when the insured person is the recipient).

Modern Treatments CoverageTechnology is transforming healthcare, leading to the emergence of modern treatments. The result is greater access to super-effective treatments, offering hope to people with medical conditions previously considered untreatable. The Aditya Birla Activ Assure Diamond Plan covers the expenses associated with modern treatments up to the sum insured.

Non-Medical Expenses:Aditya Birla Activ Assure Diamond Plan offers coverage for non-medical expenses. Consumables such as gloves, nebulization kits, oxygen masks, and other items necessary for treatment are considered non-medical expenses. It covers these expenses up to the sum insured - ensuring all-around financial protection. Remember, this benefit is available as an add-on, so you will need to pay a little extra.

Room Rent LimitAs part of your health insurance package, your insurance company will cover the room in which you are hospitalised. Suppose you select a room that falls within your plan's room rent limit, you don't have to worry about an extra bill at the end. However, if you choose a room with higher rent than you're eligible for, you'll face proportionate deductions. This means that you will be liable for a proportionate share of the entire bill, rather than just the difference in the room rent.

Worry not! With Aditya Birla Activ Assure Diamond, you have the freedom to pick any room - shared room, single room, deluxe room or any room available without any restrictions. No room rent limit is applicable on policies with a sum insured of Rs 7 lakhs and above. This eliminates the need for you to worry about the cost of the room and lets you choose what suits you best.

No Claim Bonus: The Aditya Birla Activ Assure Diamond Plan rewards you with a 10% no claim bonus if you do not make any claims during a policy year, which can go up to a maximum of 50%. Any claim made during a policy year will result in a reduction of the bonus by 10% of the basic sum insured.

Reload Benefits: Aditya Birla Activ Assure Diamond Plan offers restoration benefits as well. In case you use up your sum insured, it will be reloaded up to 150% of the original sum insured, up to a maximum of 50 lakhs. This feature offers you financial security and ensures that you and your family remain protected against ever-rising medical costs.

During a policy year, the sum insured can only be restored once. You can, however, reload the sum insured unlimited times during the policy year by opting for Unlimited Reload of the sum insured. So, with unlimited reload, you get the limitless assurance you need. Please note that the reloading of the sum insured applies to subsequent claims within a policy year.