#Virukipolicy | T&C*
There was a time when major illnesses were rare but today, things have changed. Illnesses such as cancer, heart & liver ailments, kidney failure and others are at our doorstep. You should be ready to fight them through protective health insurance plans under Aditya Birla Company Limited (ABCL) who are always there to safeguard you and your family. Here we are going to discuss the Activ Secure Critical Illness Plan served by ABCL.
Activ Secure Critical Illness Policy provides you protection from 64 major critical illnesses. If you get diagnosed with any of the critical illnesses mentioned under the plan, you will get a lump-sum payout ranging between Rs. 1 lakh to Rs. 1 Crore.
There are three plan options under the plan based on the type of coverage and opted sum insured. But before proceeding to the plan options, let us have a look at the eligibility criteria to buy the Critical Illness Policy.
|Age||Plan 1 - 5 Years|
Plan 2 - 5 Years
Plan 3 - 18 Years
|65 Years for all the plans|
|Policy Term||1 Year, 2 Years, 3 Years|
|Eligibility For Sum Insured|
If you fulfil all the above-mentioned eligibility criteria, you must move on to finalize one of the plan options. They are as follows.
Here are a few more details about the three plan options in tabular form for easy comparison and understanding.
|Plan 1||Plan 2||Plan 3|
|Sum Insured Options|
|Critical Illness Cover|
|20 Critical illnesses cover(100% sum insured)||50 Critical illnesses cover(100% sum insured)||64 Critical illnesses cover(100% sum insured for list A)|
(Rs.10 lakhs for list B)
|Initial Waiting Period|
|90 Days||90 Days||90 Days (List A)/180 Days (List B)|
|Second E Opinion (Optional cover)|
|Wellness Coach (Optional cover)|
Here are a few of the benefits that you can cultivate under the plan.
The present medical scenario indicates us to protect ourselves from the wrath of diseases. People who have critical illnesses in family history should buy this plan as they are more prone to get them in the future. Even those who do not have critical illness in their family background should secure themselves under Aditya Birla Activ Secure Critical Illness Plan cover. Frankly, there is no harm in taking precautions.
The policyholder needs to approach the insurance company within 7 days after diagnosis of the critical illness or any major medical condition. After intimating the health insurance, company the following documents are to be submitted to the health insurance company within 30 days. The documents to be submitted are:
The survival period for all the three plan options is for 15 days.
You can enjoy coverage under the plan even after claiming a payout for one critical illness. This is a special feature of this comprehensive health insurance plan.
In case you want coverage for more than one critical illness, you can get a maximum payout up to 150% of the sum insured as per the terms and conditions of Activ Secure Critical Illness Policy.
Under Aditya Birla Activ Secure Critical Illness Policy, you can get coverage for:
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Last updated on 12-02-2020