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.
Eligibility criteria for Aditya Birla Activ Secure Critical Illness Plan
The below-mentioned factors decide the eligibility criteria for Aditya Birla Activ Secure Critical Illness health plan:-
Min. Entry Age
5 Years - 65 Years (Plan 1 & Plan 2) 18 Years (Plan 3)
Max. Entry Age
65 Years
Plan Type
Individual/Family floater
Policy Tenure
1 / 2 / 3 year
Sum Insured (in INR)
INR 1 Lakh to up to 1 Crore
Initial Waiting Period*
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:
Benefits of buying Activ Secure Critical Illness Health Insurance Plan
Here are the features and benefits of this plan:-
Critical illness coverage
This plan covers up to a maximum of 64 types of critical illnesses that involve extensive surgical procedures, severe treatment, and so on. All these critical illnesses are covered up to a maximum of INR 1 Crore of the sum insured.
Assured lump sum payout
The policyholder can avail of an assured maximum of 150% of the sum insured amount as a lump sum payout on diagnosis of one or more critical illness(es). It will support your treatment procedures medically and financially.
Short survival period
If the policyholder is initially diagnosed with a critical illness, they can avail the policy benefits within a short survival period of just 15 days.
Wellness coaching
The plan provides regular wellness coaches for continued health benefits. It helps in tracking your recovery post-diagnosis.
Tax benefits
All the premiums paid towards Aditya Birla Activ Secure Critical Illness Policy are eligible for tax benefits under Section 80D of the Income Tax Act.
Choose your Activ Secure Critical Illness Health Insurance 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)
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)
In-patient & Out-patient Coverage
Room Rent
Available
ICU Charges
Available
Pre-Hospitalization
NA
Post-Hospitalization
NA
Domiciliary Hospitalization
NA
Daycare Treatment
Not Available
OPD Charges
Covered
Coverage Terms
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
Alternative Treatments
AYUSH Treatment
Not Available
IVF Treatment
Not Available
Modern Treatment
Not Available
Emergency Coverage
Ambulance
Covered
Air Ambulance
Covered
Compassionate Travel
Available
Global Coverage
Applicable (up to 90 Days)
Wellness Programmes
E-Consultation
Available
Health Check-Up
NA
Second Medical Opinion
Available
Vaccination
Not Available
Limitations
Co-payment
Applicable
Sub-limits
Applicable
What is Room Rent?
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:
Private Single AC Room
Twin Sharing
General Ward
Coverage status under Aditya Birla Activ Secure Critical Illness Plan
Under the Aditya Birla Activ Secure Critical Illness Plan, room rent is covered.
What are ICU Charges?
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.
What is Pre Hospitalization?
Medical expenses incurred before the hospitalization of the policyholder.
Coverage status under Aditya Birla Activ Secure Critical Illness Plan
Not Applicable
What is Post Hospitalization?
Medical expenses incurred after the discharge of the policyholder from the hospital.
Coverage status under Aditya Birla Activ Secure Critical Illness Plan
Not Applicable
What is Domiciliary Hospitalization?
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
What is Daycare Treatment?
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
What are OPD charges?
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.
What is COVID-19 Treatment?
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
What is Cataract Treatment?
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)
What is a No-Claim Bonus?
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.
What is Automatic Restoration?
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
What is Daily Hospital Cash?
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
What is an Organ Donor Cover?
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
What is a Maternity Cover?
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
What is a New Born Baby Cover?
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:
Congenital anomaly (conditions since birth)
Acute condition
Chronic condition
Pre-mature delivery
Birth asphyxia
Day care treatment
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.
What is AYUSH Treatment?
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
What is IVF Treatment?
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:
Full infertility
No fertility
Infertility diagnosis
Infertility diagnosis and limited fertility treatment
Medication (which may or may not include fertility drug prescriptions)
Coverage status under Aditya Birla Activ Secure Critical Illness Plan
Not available under the Aditya Birla Activ Secure Critical Illness Plan.
What is a Modern Treatment?
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.
What is an Ambulance Cover?
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
What is an Air Ambulance?
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.
What is Compassionate Travel?
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
What is Global Coverage?
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
What is E-Consultation?
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
What is a Health Checkup?
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
What is a Second Medical Opinion?
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.
What is Vaccination cover?
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
What is Co-payment?
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
What is the Sub limit?
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 Health Insurance Network Hospital List
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.
Breach of the law, alcoholism, drug, or substance abuse cases, etc
Sexually transmitted disease/HIV/AIDS
Alcoholism, drug abuse, etc
How to claim Aditya Birla Activ Secure Critical Illness Plan?
To avail of claim settlement benefit, the insured policyholder must follow the below-mentioned process:
Visit the official website of Aditya Birla Health Insurance
Click on the ‘Claim’ button on the header of the official website and go to the raise a claim process > Cashless claim > Raise a claim
For claim intimation, the official website has a pre-authorized form that you can fill in with your contact number/policy number/email and proceed
Individuals can call the toll-free number 1800 270 7000 or email their details to care.healthinsurance@adityabirlacapital.com and get their claim settlement procedure info.
One must inform the insurer within 7 days of disease occurrence and send the claim documents within 30 days of the treatment
Reach out to PolicyX.com for further assistance.
The Main Storyline
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.
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.
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
Lump Sum payout on detection
150% sum assured
Short survival period
Activ Secure Critical Illness Plan (Pros)
Cover up to 64 CI
3 Plan Variants
High SI
Short Survival Period
Active Health App
Activ Secure Critical Illness Plan (Cons)
Illness due to intoxicants
Obesity Treatment Unavailable
Hazardous Activity not covered
HIV/AIDS not covered
Cosmetic Surgery unavailable
Activ Secure Critical Illness Plan (Other Benefits)
Wellness Coach
Second Medical Opinion
Cancer Cover
Kidney Failure Cover
Brain Tumor Cover
Activ Secure Critical Illness Plan (Eligibility Criteria)
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
Health Returns Available
Comprehensive Health Check-up
Up to 50% No Claim Bonus
Aditya Birla Activ Care Classic (Pros)
Personal Health Coach
AYUSH Treatment Cover
21% Health Returns
Cashless Home Treatment
Day Care Treatment
Aditya Birla Activ Care Classic (Cons)
Illness due to intoxicants
Change Of Gender Treatment
Hazardous Activity not covered
HIV/AIDS not covered
Cosmetic Surgery unavailable
Aditya Birla Activ Care Classic (Other Benefits)
Nursing at Home
ICU Bed at Home
586 Day Care Treatments
Domiciliary Hospitalization
ICU Expenses Cover
Aditya Birla Activ Care Classic (Eligibility Criteria)
Entry Age - 55 Years
Max Entry Age - 80 Years
SI - 3 L to 25 L
Waiting Period - 30 Days
Aditya Birla Activ Secure Critical Illness Plan: FAQs
1. Can I purchase Aditya Birla Activ Secure critical illness plan for my family?
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.
2. Is it good to choose critical illness plans with a higher sum insured?
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.
3. Who should buy these kind of plans?
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.
4. What are the major critical illnesses covered under Activ Secure critical illness insurance plan?
More than 64 critical illnesses including heart attack, tuberculosis, kidney transplant, stroke, heart surgery, angioplasty, brain tumour, etc are covered under this plan.
5. Which kinds of diseases are not covered under the Activ Secure Critical Illness 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.
Aditya Birla Activ Secure Critical Illness Plan Review
Read what customers have to say about Activ Secure Critical Illness Plan Insurance.
Simran
Jamshedpur
April 8, 2024
I am impressed by Star Health reward features and want to be associated with the insurer for a long time
Dinesh
Belgaum
April 8, 2024
I required emergency hospitalization on my family trip to a remote city and PolicyX helped me find the nearest network hospital of Star health insurance
Nitika
Jalandhar
April 8, 2024
My grandparents are over 60 years old and I wanted to look for the best senior citizen health plan for them when PolicyX introduced me to Star Red Carper Health policy
Ashima
Amritsar
April 8, 2024
I was skeptical about investing in a family health plan thinking the coverage features will not be enough but Star comprehensive health plan proved me wrong, thank you policyX for finding the b...
Shikha Bajaj
Gurgaon
April 8, 2024
I have been associated with Star Health Insurance for over 3 years now and have had a smooth insurance experience
Kanupriya
Rajkot
April 8, 2024
I liked how my Star health insurance provides health check-ups, hospitalization, accidental cover, and so on at an affordable rate. Thank you PolicyX for encouraging me to buy it.
Neha Sukheja
Indore
April 8, 2024
I got treated with Angioplasty surgery and I’m thankful that the Star Comprehensive plan covered my treatment expenses and saved my hard-earned money.
Vaidehi Kanaujia
Indore
April 8, 2024
I have been insured with a Star Health Assure policy that I bought at the suggestion of PolicyX’s agent. I got my claims settled two times in a year and I highly recommend this policy.
Simran has an experience of 3 years in insurance content writing. She transitioned from hospitality 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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