Introduction
Before we start comparing these two policies we have to set out some ground rules.
Both products are marketed by different insurance companies. Activ Assured Diamond is sold by Aditya Birla and Comprehensive is sold by Star Health. So any meaningful comparison should include a comparison of the product alongside the insurers themselves.
Second, we know that both products have massive differences in their core structure. Activ Assured Diamond is quite basic. It offers little protection and may not be entirely suitable if you are looking for robust protection. However, Comprehensive is more comprehensive. It covers a lot more use cases and doesn’t have any egregious conditions. So fundamentally, they’re two very different products.
And finally, any comparison is ultimately futile without considering the use case. Who are you buying this policy for? You, your family, your parents?
That’s something you’ll need to answer before using this guide. So with that introduction out of the way, we can get to comparing the actual policies themselves.
Let’s start with Activ Assured Diamond. The product comes from Aditya Birla’s stable:
The company only began operations in the year 2016 as a subsidiary of Aditya Birla Capital Ltd., which in turn happens to be a joint venture between the famed Aditya Birla Group and MMI Holdings (South Africa).
While the company boasts a claim settlement ratio of 95% along with a network of more than 11,000+ hospitals, do remember they’ve only been in the market for a few years now. So they don’t have an extensive track record.
Comprehensive meanwhile comes from Star Health’s stable:
Star Health Insurance is India's first standalone health insurance firm. And with an army of retail advisors pushing their products across the country, they’ve managed to capture a fair share of the Indian market.
The company also boasts a network of over 14,000+ hospitals and a decent claim settlement ratio of 83%.
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Compare Insurances Insurance Parameters Recommended Not Recommended |  Activ Assured Diamond |  Comprehensive |
|---|---|---|
| Network hospitals | 11,000+ | 14,000+ |
| Claim settlement ratio (avg. of last 3 years) | 95% | 83% |
| Co-payment | 20% (if purchased after turning 61) | 10% (if purchased after turning 61) |
| Room rent | Single Private room | Single Private room |
| Disease sub-limit | No | Yes |
| Pre existing diseases waiting | 4 years | 3 years |
| Pre/Post hospitalization | 30/60 days | 60/90 days |
| No claim bonus | 10% per year (up to 50%) | 50% per year (up to 100%) |
| Domiciliary | ||
| Ayush treatments | ||
| Restoration benefit | 150% restoration (once for different illness) | 100% restoration (once for any illness after complete exhaustion of sum insured) |
| Health check-up | Once every year | Once every year |
| Maternity | Available (up to ₹20,000 after 2 years) | |
| Out Patient Department | Up to ₹1,200 (cap of ₹300 on each consultation) | |
| Day care |
Feature Comparison
Room rent
If the policy does impose room rent restrictions then the insurer may only let you stay in a room of a certain specification or impose a cap on the total room rent. If you were to breach either criterion then the insurance company may ask you to pay a portion of all the expenses you incurred while staying in the room. In this case, however, Activ Assured Diamond lets you stay in a single private room and Comprehensive also lets you stay in a single private room. Nothing fancy.
Sub limits
Some policies will tell you that they will cover all medical expenses up until the sum insured, but then impose caps on the total costs you can incur while dealing with a very specific list of diseases. We call these caps “Disease Wise Sub Limits.” In this case, Activ Assured Diamond doesn’t impose a disease wise sub-limit whereas Comprehensive imposes disease-wise sub-limits on Modern treatments.
Waiting periods for pre-existing diseases
If you’re suffering from a lifestyle condition or if you’ve had surgery in the past, or if you’re dealing with an acute or chronic illness at the time of buying the policy, then the insurer may classify this as a pre-existing disease. And they may tell you that they will only cover these illnesses after some time. In this case, Activ Assured Diamond imposes a waiting period of 4 years on pre-existing diseases while Comprehensive extends a waiting period of 3 years on existing conditions.
Pre and post Hospitalization expenses
Most people aren’t hospitalized right off the bat. Instead, they’ll have to go through a whole series of diagnostic tests before hospitalization and take medication post-discharge. These costs are outlined as pre-hospitalization expenses and post-hospitalization expenses respectively. In this case, Activ Assured Diamond covers expenses incurred 30 days before hospitalization and expenses incurred 60 days post-hospitalization. Meanwhile, Comprehensive covers expenses incurred 60 days before hospitalization and expenses incurred 90 after hospitalization, although there may be different sub-limits
No claim bonus
Some policies will tell you that they will incentivize you for not making a claim in any given year. And they offer such incentives by offering extra cover on top of the existing sum insured. This extra cover is categorized as a no-claim bonus. In this case, however, Activ Assured Diamond offers a no-claim bonus of 10% whereas Comprehensive offers a no-claim bonus of 50%. And the no-claim bonus may be capped at different levels too.
Domiciliary
Imagine you are forced to treat yourself at home because you don’t find a hospital bed, or you have a chronic condition that prevents you from visiting one, then, insurers may choose to cover your treatment even if you’re hospitalized at home. And such costs are collectively categorized as domiciliary treatment costs. In this case, however, Activ Assured Diamond offers domiciliary cover. And Comprehensive also coves domiciliary expenses.
Ayush treatments
Most policies only cover treatments administered in a registered medical facility. However, on some occasions, you may want to pursue alternative treatments including homoeopathy, Ayurveda, Unani and Siddha. These treatments are collectively categorized as Ayush treatments. And in this case, Activ Assured Diamond covers Ayush procedures and Comprehensive also extends coverage for Ayush treatments.
Maternity benefits
If you’re hospitalized during childbirth, then you may have to incur significant costs during delivery of your newborn, child care and other related matters during the course of the hospitalization. These costs are collectively termed maternity costs. And in this case, however, Activ Assured Diamond doesn’t offer protection for maternity-related hospitalizations whereas Comprehensive offers maternity cover.
Out Patient Department (OPD)
Doctor visits and regular consultations aren’t usually covered by health insurance policies. They are categorized as Outpatient consultations (or OPD treatments) and patients have to bear the cost on their own. In this case, however, Activ Assured Diamond doesn’t offer OPD protection whereas Comprehensive offers OPD cover.
Final Conclusion
After considering all the features on hand, we believe that Activ Assured Diamond is a better alternative to Comprehensive for most use cases that we’ve evaluated so far.
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