Activ Secure Critical Illness Plan
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Aditya Birla Critical Illness Plan

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.

Eligibility Table

CriteriaDetails
MinimumMaximum
AgePlan 1 - 5 Years
Plan 2 - 5 Years
Plan 3 - 18 Years
65 Years for all the plans
Policy Term1 Year, 2 Years, 3 Years
Eligibility For Sum Insured
  • Employed member: Up to 12 times of annual gross income.
  • Unemployed spouse: 50% of the proposer’s sum insured/eligibility or 30L whichever is lower.
  • Unemployed parents/parents-in-law: 50% of the proposer’s sum insured/eligibility or 10L whichever is lower.
  • Children: 50% of the proposer’s sum insured/eligibility or 15L whichever is lower.

If you fulfil all the above-mentioned eligibility criteria, you must move on to finalize one of the plan options. They are as follows.

Plan Options:

  • Plan 1: Base level protection (covers 20 critical illnesses like cancer, heart attack, kidney failure, etc).
  • Plan 2: Comprehensive protection (covers 50 critical illnesses like brain surgery, benign tumour, TB in addition to 20 critical illnesses covered under plan 1).
  • Plan 3: Complete and all-round protection (covers 64 critical illness like angioplasty, pacemaker insertion, and hysterectomy in addition to 50 critical illness covered in plan 2).

Here are a few more details about the three plan options in tabular form for easy comparison and understanding.

Plan 1Plan 2Plan 3
Sum Insured Options
  • 1 Lakh - 10 lakhs (in multiples of 1 lakh)
  • 15 Lakhs - 25 lakhs (in multiples of 5 lakhs)
  • 30 Lakhs - 50 lakhs (in multiples of 10 lakhs)
  • 1 Crore
  • 1 Lakh - 10 lakhs (in multiples of 1 lakh)
  • 15 Lakhs - 25 lakhs (in multiples of 5 lakhs)
  • 30 Lakhs - 50 lakhs (in multiples of 10 lakhs)
  • 1 Crore
  • 1 Lakh - 10 lakhs (in multiples of 1 lakh)
  • 15 Lakhs - 25 lakhs (in multiples of 5 lakhs)
  • 30 Lakhs - 50 lakhs (in multiples of 10 lakhs)
  • 1 Crore
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 Days90 Days90 Days (List A)/180 Days (List B)
Second E Opinion (Optional cover)
AvailableAvailableAvailableAvailable
Wellness Coach (Optional cover)
AvailableAvailableAvailable

Aditya Birla Critical Illness Policy Benefits

Here are a few of the benefits that you can cultivate under the plan.

  • You get the flexibility to choose among the three plan options provided under the plan as per your budget and requirement.
  • Tax benefits are provided to the insured under section 80D of the Income Tax Act, 1961.
  • You get comprehensive coverage for all major critical illnesses.
  • Wellness coach facility is provided to the insured under the plan in case the insured is diagnosed with a critical illness. The wellness coach takes care of the insured from all aspects and helps in the fast recovery of the patient. Wellness coach facility is provided under all the three plan options.
  • Second E - opinion facility is available under all the three plan options of Aditya Birla Activ Critical Illness Plan. Under this, you can take a second opinion from medical experts in case you are diagnosed with a critical illness.
  • A lump-sum payout is provided to you on detection of critical illness.
  • You get sum insured option until Rs.1 Crore for enhanced safety.

Who Should You Buy Aditya Birla Critical Illness 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.

Major Exclusions

  • Sexually transmitted disease or HIV/AIDs.
  • Influence of intoxicating liquor or drugs.
  • Suicide or attempt to suicide.
  • Any self-inflicted injury.
  • Congenital external diseases, defects or anomalies.
  • Policyholder committing any breach of law.

Aditya Birla Critical Illness Claim Process

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:

  • Filled claim form.
  • Medical documents confirming critical illness. The document should be from an authentic authorized medical practitioner or medical institution.
  • A certificate confirming that disease does not relate to any of the pre-existing diseases. The diseases diagnosed within the first 90 days from the date of issuance of the policy are considered under pre-existing diseases.
  • Photocopy of indoor case papers (if applicable).
  • In accidental cases, the FIR copy or medico-legal certificate needs to be submitted.
  • Specific documents (if any).

Activ Secure Critical Illness Plan: FAQs

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:

  • Self
  • Spouse
  • A maximum of 4 children
  • Up to 2 parents and
  • Up to 2 parents in law.

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Last updated on 12-02-2020