Network hospitals
11000+
Incurred claim ratio
64.68%
Sum insured
Up to 2 CR
No. of Plans
22
Solvency Ratio
2.3
Pan India Presence
213
PolicyX.com is a Recognised Aditya Birla Partner View Certificate
Network hospitals
11000+
Incurred claim ratio
64.68%
Sum insured
Up to 2 CR
No. of Plans
22
Solvency Ratio
2.3
Pan India Presence
213
PolicyX.com is a Recognised Aditya Birla Partner View Certificate
Aditya Birla Activ Secure Critical Illness Plan is designed to cover your financial losses due to any treatment for critical illness. The plan has wide coverage with up to 64 listed critical illnesses which compensates for the income loss at the time of your treatment duration. This will not only save you from financial drowning, but it will also safeguard your family in tough times of physical & emotional distress.
The USPs of this plan are the incredible sum insured of up to 1 Crore which provides financial help for major surgical operations and extensive therapeutic procedures. This listing of plan benefits is not over yet. The Aditya Birla Activ Critical Illness insurance provides a lump sum payout on detecting a critical illness or, 150% of the total sum insured as a lump sum payout on detecting two or more critical illnesses. The critical illness cover comes with a short survival period of 15 days if diagnosed initially with any of the covered illnesses. Additionally, this plan has three different variants - Plans 1, 2, & 3, with specific coverage options which we’ll discuss further in this article.
Apart from this, you also get coverage for an optional wellness coach and a second e-consultation service for an individual diagnosed with a critical illness. You can buy this plan as an individual policy or on a family floater basis. Family floater policy under this plan can cover self, the policyholder’s spouse, up to 4 children, 2 parents and 2 parents-in-law. The sum insured by Activ Secure- critical illness health insurance plan ranges from INR 1 Lakh - 1 Crore.
Now, let’s know more about the specifications, coverage and all the details of this plan.
The below-mentioned factors decide the eligibility criteria for Aditya Birla Activ Secure Critical Illness health plan:-
5 Years - 65 Years (Plan 1 & Plan 2)
18 Years (Plan 3)
65 Years
Individual/Family floater
1 / 2 / 3 year
INR 1 Lakh to up to 1 Crore
90-180 Days
*The Initial Waiting Period is the period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
To know more about the plan, read the policy brochure provided below:
Here are the features and benefits of this plan:-
This health insurance policy comes with three different plan variants, of which the specifications are below. Variants of Activ Secure Critical Illness plan are - Plan 1, Plan 2, and Plan 3.
Read here the specifications of Activ Secure critical illness plan under Aditya Birla Health Insurance Plans:-
Plan Variants | Plan 1 | Plan 2 | Plan 3 |
Sum Insured |
1 – 10 lakhs (in multiples of 1 lakh)
15 – 25 lakhs (in multiples of 5 lakhs) 30 – 50 lakhs (in multiples of 10 lakhs) 1 crore |
1 – 10 lakhs (in multiples of 1 lakh)
15 – 25 lakhs (in multiples of 5 lakhs) 30 – 50 lakhs (in multiples of 10 lakhs) 1 crore |
5 – 10 lakhs (in multiples of 1 lakh)
15 – 25 lakhs (in multiples of 5 lakhs) 30 – 50 lakhs (in multiples of 10 lakhs) 1 crore |
Waiting Period | 90 Days | 90 Days | 90 days (List A diseases) / 180 days (List B diseases) |
No. of Critical illnesses covered | 20 (including kidney failure, heart attack, cancer) | 50 (including TB, brain surgery, benign brain tumour) | 64 (including hysterectomy, angioplasty, pacemaker insertion surgery) |
Claim and payout | 100% SI on diagnosis to get lump sum payout | 100% SI on diagnosis to get lump sum payout |
100% SI on diagnosis to get lump sum payout (For List A critical illnesses)
50% SI or INR 10 Lakhs (whichever is less) on diagnosis (For List B critical illnesses) |
Room Rent
Available
ICU Charges
Available
Pre-Hospitalization
NA
Post-Hospitalization
NA
Domiciliary Hospitalization
NA
Daycare Treatment
Not Available
OPD Charges
Covered
COVID-19 Treatment
Not Covered
Cataract
Covered
No Claim Bonus
Available
Automatic Restoration
Not Covered
Daily Hospital Cash
Available
Organ Donor
Not Covered
Maternity Cover
Not Available
New Born Baby Cover
Not Available
AYUSH Treatment
Not Available
IVF Treatment
Not Available
Modern Treatment
Not Available
Ambulance
Covered
Air Ambulance
Covered
Compassionate Travel
Available
Global Coverage
Applicable (up to 90 Days)
E-Consultation
Available
Health Check-Up
NA
Second Medical Opinion
Available
Vaccination
Not Available
Co-payment
Applicable
Sub-limits
Applicable
Room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.
Common Room categories covered under room rent are:
Coverage status under Aditya Birla Activ Secure Critical Illness Plan
Under the Aditya Birla Activ Secure Critical Illness Plan, room rent is covered.
It is a special department in the hospitals where patients with serious medical conditions are treated.
Coverage status under Aditya Birla Activ Secure Critical Illness Plan
Under the Aditya Birla Activ Secure Critical Illness Plan, ICU charges are covered.
Medical expenses incurred before the hospitalization of the policyholder.
Coverage status under Aditya Birla Activ Secure Critical Illness Plan
Not Applicable
Medical expenses incurred after the discharge of the policyholder from the hospital.
Coverage status under Aditya Birla Activ Secure Critical Illness Plan
Not Applicable
Home hospitalization arrangement for the insured person due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get the financial coverage.
Coverage status under Aditya Birla Activ Secure Critical Illness Plan
Not Applicable
Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.
Coverage status under Aditya Birla Activ Secure Critical Illness Plan
Not Applicable
The cost of doctor consultation and prescribed medical tests that may not require hospitalization.
Coverage status under Aditya Birla Activ Secure Critical Illness Plan
Aditya Birla Activ Secure Critical Illness Plan covers OPD expenses only with an accidental coverage benefit.
Covers the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.
Coverage status under Aditya Birla Activ Secure Critical Illness Plan
Not covered
A common eye condition in which your vision gets blurred.
Coverage status under Aditya Birla Activ Secure Critical Illness Plan
Aditya Birla Activ Secure Critical Illness Plan does not cover cataract treatment expenses (except Section 3 of the policy schedule)
For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as no-claim bonus on policy renewal. However, in the case of claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.
Coverage status under Aditya Birla Activ Secure Critical Illness Plan
A cumulative bonus is available under the Aditya Birla Activ Secure Critical Illness Plan.
Automatic restoration is a benefit in which the insurance company restores the total sum insured after it gets fully exhausted in treatments.
Coverage status under Aditya Birla Activ Secure Critical Illness Plan
NA
It is a cash amount that you will get each day during the time of hospitalization.
Coverage status under Aditya Birla Activ Secure Critical Illness Plan
The daily hospital cash is available under the Aditya Birla Activ Secure Critical Illness Plan
Your health plan will cover the cost of the procedure for removing the damaged or malfunctioning organs from the body.
Coverage status under Aditya Birla Activ Secure Critical Illness Plan
Not Covered
It refers to the cover that includes expenses for normal and c-section procedures deliveries.
Coverage status under Aditya Birla Activ Secure Critical Illness Plan
Not covered
It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the new born cover and these common treatments can vary from plan to plan:
Coverage status under Aditya Birla Activ Secure Critical Illness Plan
New Born Baby Cover is not available under the Aditya Birla Activ Secure Critical Illness Plan.
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
Coverage status under Aditya Birla Activ Secure Critical Illness Plan
NA
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:
Coverage status under Aditya Birla Activ Secure Critical Illness Plan
Not available under the Aditya Birla Activ Secure Critical Illness Plan.
Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.
Coverage status under Aditya Birla Activ Secure Critical Illness Plan
Under Aditya Birla Activ Secure Critical Illness Plan modern treatments are not covered.
An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.
Coverage status under Aditya Birla Activ Secure Critical Illness Plan
Covered
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Coverage status under Aditya Birla Activ Secure Critical Illness Plan
Air ambulance coverage is available under the Aditya Birla Activ Secure Critical Illness Plan.
Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.
Coverage status under Aditya Birla Activ Secure Critical Illness Plan
Under Aditya Birla Activ Secure Critical Illness Plan compassionate travel is available
Any kind of medical/health emergency when you are outside of India.
Coverage status under Aditya Birla Activ Secure Critical Illness Plan
Under Aditya Birla Activ Secure Critical Illness Plan global treatment is available for up to 90 days
If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
Coverage status under Aditya Birla Activ Secure Critical Illness Plan
Available
A facility where the policyholder can avail free health check-ups after fulfilling the company's policies.
Coverage status under Aditya Birla Activ Secure Critical Illness Plan
NA
If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company's network of medical practitioners.
Coverage status under Aditya Birla Activ Secure Critical Illness Plan
Available.
Coverage against the expenses incurred on vaccinations is provided by the insurance companies.
Coverage status under Aditya Birla Activ Secure Critical Illness Plan
Not covered
In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.
Coverage status under Aditya Birla Activ Secure Critical Illness Plan
NA
Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to pay by the policyholder.
Coverage status under Aditya Birla Activ Secure Critical Illness Plan
Applicable
Aditya Birla Life Insurance Network Hospitals are present nationwide. With a wide network of over 8787 cashless hospitals, Aditya Birla Life Insurance ensures that you are medically secured, irrespective of the city you reside in.
This policy under Aditya Birla Health Insurance has some standard exclusions that are mentioned below:
Any kind of external congenital illnesses or voluntary treatments
Investigation and evaluation purposes
Hazardous/adventure sports/nuclear wars, defensive attacks, etc
Breach of the law, alcoholism, drug, or substance abuse cases, etc
Sexually transmitted disease/HIV/AIDS
Alcoholism, drug abuse, etc
To avail of claim settlement benefit, the insured policyholder must follow the below-mentioned process:
Critical illness is something you can not avoid from happening in this era where people are exposed to pollution and huge stress, due to their day-to-day lifestyle. With this critical illness Aditya Birla Activ Secure plan, you can get a lump sum payout upfront of INR 1 Lakh to 1 Crore on the diagnosis of a critical illness. It saves you from the mental distress of losing all your savings on a severe treatment and provides you a medical and financial aid for fast and better recovery.
Want to know more? Reach out to our customer care executives on 18003450330 or visit the official website of PolicyX.com.
Aditya Birla Health offers a wide range of health insurance plans to fulfill the medical needs of individuals, families, and senior citizens.
Affordable
A versatile health insurance plan with a wide range of sum insured options ranging between 5 Lakhs to 2 Crores.
Unique Benefits
Affordable
Activ Assure Diamond is a complete health insurance plan that offers new-age health features at an affordable cost, and covers more than 500 daycare treatments.
Unique Benefits
Cancer Plan
Specially designed plan to protect you against the rising costs of treatment at every stage of cancer – early, major and advanced.
Unique Benefits
Accident Plan
The Plan is designed to protect individuals and families from all the contingencies (death and disabilities) that occur due to accidents.
Unique Benefits
Illness Plan
An Insurance plan that covers you against chronic illnesses like asthma, high blood pressure, high cholesterol, and diabetes.
Unique Benefits
Platinum Plan
A unique Plan with features such as a chronic management program, modern treatments, covid-19, and more.
Unique Benefits
comprehensive Plan
A health insurance plan designed especially for the youth. The plan provides protection and rewards for good health.
Unique Benefits
Platinum Plan
This is a plan that comes with wellness and chronic care benefits.
Unique Features
Standard
A standard health insurance policy, wherein you can choose coverage of up to Rs.1 lac to Rs.5 lacs.
Unique Benefits
comprehensive Plan
The plan offers comprehensive coverage with health return benefits, COVID-19 coverage, a chronic management program, and more.
Unique Benefits
Super top-up
A top-up plan offering medical coverage up to Rs. 1 cr. The plan also gives health and wellness discounts.
Unique Benefits
Critical Plan
The plan is designed to provide financial protection against critical illnesses, & offers compensation against the loss of income arising out of critical illnesses.
Unique Benefits
comprehensive Plan
It is a comprehensive health insurance plan with 360-degree coverage for senior citizens. It supports your family members at every stage of their health.
Unique Benefits
Yes, you can buy this plan on an individual or a family floater basis, under which all the members in the policy get coverage for up to 64 critical illnesses.
Yes, it’s always a wise decision to choose high-sum insured plans for critical illness. These ailments can lead you to total financial burnout.
This plan is best for those who have a family history of critical illnesses or who have the risk of getting a critical illness in the later stages of their life.
More than 64 critical illnesses including heart attack, tuberculosis, kidney transplant, stroke, heart surgery, angioplasty, brain tumour, etc are covered under this plan.
Sexually Transmitted Diseases (STDs), HIV. AIDS, dental or beautification surgeries or any kind of voluntary operations (that’s not recommended by a doctor) is not covered.
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