Network hospitals
11000+
Incurred claim ratio
64.68%
Sum insured
Up to 2 Cr
No. of Plans
1
Solvency Ratio
2.3
Pan India Presence
4800+
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 on a individual policy or 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.
To understand Aditya Birla Activ Secure Critical Illness Plan Insurance in detail, take a look at the below table:
Min- 5 years, Max- 65 years
Critical Illness Health Insurance
1 L | 10 L | 25 L | 50 L | 80 L | 1 Cr
90-180 Days Days
Lifelong
1 / 2 / 3 year
*Initial Waiting Period is the time 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.
With wide coverage options available, Aditya Birla Activ Secure Critical Illness Plan Insurance Plan allows you to choose your ideal coverage as per your family’s health requirements. Take a look at the coverage under every SI option available and choose your ideal coverage:
Room Rent
Covered
ICU Charges
Covered
Pre-Hospitalization
Not Covered
Post-Hospitalization
Not Covered
Domiciliary Hospitalization
Not Covered
Daycare Treatment
Not Covered
OPD Charges
Covered
COVID-19 Treatment
Covered
Cataract
Covered
No Claim Bonus
Covered
Automatic Restoration
Not Covered
Daily Hospital Cash
Covered
Organ Donor
Not Covered
Maternity Cover
Not Covered
New Born Baby Cover
Not Covered
AYUSH Treatment
Not Covered
IVF Treatment
Not Covered
Modern Treatment
Not Covered
Ambulance
Covered
Air Ambulance
Covered
Compassionate Travel
Covered
Global Coverage
Covered
E-Consultation
Covered
Health Check-Up
Not Covered
Second Medical Opinion
Covered
Vaccination
Not Covered
Co-payment
Covered
Sub-limits
Covered
The room rent limit is the maximum bed charge you can claim if you are hospitalised. Common Room categories covered under room rent are all kinds of rooms including single, private and AC rooms (except suite).
It is a special hospital department where patients with serious medical conditions are treated.
Medical expenses incurred before hospitalisation of the policyholder.
Medical expenses incurred after the discharge of the policyholder from the hospital.
Domiciliary hospitalization or home care treatments are the arrangements for an insured individual due to the unavailability of medical amenities in hospitals, or in a case where an insured member can not be admitted to the hospital due to an inability. The treatment should last equal to or more than 72 hours to get financial coverage.
Treatments that can be completed within 24 hours of hospitalization like blood dialysis, cataracts, etc.
Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization. .
It includes the treatment cost for COVID-19 with a confirmative diagnosis from a government-approved centre.
A common eye condition in which your vision gets blurred due to cloudy formation in your eyes.
For every claim-free year, insurance companies reward policyholders with an increase in the sum insured amount as a no-claim bonus or cumulative bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage varying from one plan to the other.
It is a benefit in which an insurance company restores the amount of sum insured completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from one plan to the other.
Daily hospital cash or Hospicash is a cash amount that you receive each day during the time of hospitalization to cover your non-medical expenses.
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body. In most of the cases, the insurer pays for the hospitalization and transplant expenses for both the parties i.e. the donor and the receiver.
It refers to the cover that includes expenses for normal and c-section deliveries.
It takes care of the medical expenses that arise due to the hospitalisation of the newborn baby in case of any childbirth complications, medical challenges, and so on. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are settled or reimbursed for:
Medical treatments that demand the use of modern technology and advanced machinery such as robotic surgeries, stem cell therapy, etc.
An ambulance is used to move the patient from home to the hospital, transfer them to another hospital, and take them for different tests outside the hospital.
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Refers to the travelling expenses of a family member who’s visiting the hospital to look after the patient when the policyholder gets admitted to a hospital outside his/her residential city.
Any kind of medical/health emergency when you are outside of India is covered for hospitalization expenses, modern and specific treatments, etc.
If a policy offers e-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
A facility where the policyholder can avail of free health check-ups after fulfilling the company's eligibility criteria. In most cases, the insured member/s gets an annual health check-up cover.
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 against the expenses incurred on vaccinations of either the newborn baby, for an animal bite, etc is provided by the insurance companies.
In the co-payment clause, policyholders have to pay a preset amount (either compulsorily or voluntarily) of the hospitalisation expense on their own and the insurer will pay the rest of the medical bill amount.
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 be paid by the policyholder. For instance, if your policy covers room rent for upto 20% of the sum insured, but the expense of the same is more than 25%, you will have to pay the rest amount, i.e. 5%, for your room rent.
Here are the features and benefits of this plan:-
Aditya Birla Health Insurance
Aditya Birla Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Aditya Birla Health Insurance ensures that you are medically secured, irrespective of the city you reside in.
Exclusions of Aditya Birla Activ Secure Critical Illness health insurance for parents may vary from plan to plan, so you must check it in the policy document. However, here are some of the standard exclusions (what’s not covered) under the same have been given for reference:
Cosmetic/ beautification treatment
HIV/AIDS, and STD conditions
Attempt to suicide or self-threat
Diagnostic tests (except, those specified in your policy document)
War injuries, participation in riots/war-like situations, etc
Hearing aids (unless specified in your policy documents)
Vision treatment, dental care, physiotherapy, etc (except, conditions mentioned in the policy)
Others, check the detailed terms and conditions, inclusions & exclusions of the policy in documents provided by the company
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) |
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 with medical and financial aid for fast and better recovery.
Want to know more? Reach out to our customer care executives at 1-800-3450330 or visit the official website of PolicyX.
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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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Lives In: Delhi, NCR Expertise: Health & Term Insurance Simran has an experience of 4 years in content writing. She transitioned from hospitality and digital marketing to the insurance industry after her emerging interest in how vast insurance is. With her ability to write complex insurance concepts in a simple, relatable manner, she keeps her audience hooked and solves their doubts smoothly.
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