Aditya Birla Cancer Health Plan

Overview

Aditya Birla Cancer Secure Plan is a health insurance plan designed specifically for cancer patients, protecting them financially from all three stages of cancer: early, major, or advanced. The plan offers robust coverage along with high sum insured options, ranging from:

• INR 5 – 10 Lakhs (in multiples of INR 1 Lakh)
• INR 15 – 25 Lakhs (in multiples of INR 5 Lakhs)
• INR 30 – 50 Lakhs (in multiples of INR 10 Lakhs)
• INR 1 Crore

The plan has a minimal survival period of just 7 days, allowing policyholders to avail cancer coverage effectively within a short span of time. The initial waiting period for Aditya Birla Cancer Secure Plan is 90 days, and 180 days for early-stage cancer. Insurance holders get a lump sum payout on detection of all cancer stages.

• On diagnosis of early-stage cancer, 50% of the sum insured is available, up to a maximum of INR 10 Lakhs.
• On diagnosis of major-stage cancer, 100% of the sum insured is paid to the insured individual.
• On diagnosis of advanced-stage cancer, 150% of the sum insured can be claimed by the insured individual.

Aditya Birla Cancer Secure Plan offers optional covers such as a second e-opinion and a wellness coach to the policyholders. PolicyX has compiled all the necessary insights to help you make an informed decision regarding this plan.

Aditya Birla Cancer Secure Plan: At a Glance

Inclusions

• In-patient hospitalization
• Out-patient hospitalization
• Daycare procedures
• Domiciliary or home care treatment
• Room rent
• ICU charges
• OT charges
• Doctor's visits
• Annual/preventive health check-up

Exclusions

• Sexually transmitted diseases or HIV/AIDS.
• Illness due to intoxicating liquor or drugs.
• Suicide or attempted suicide, and intentional self-injuries.
• Congenital external diseases, defects, or anomalies.
• Breach of law by the insured person.
• Birth control procedures and hormone replacement therapy.
• Vision treatment, dental care, physiotherapy, etc. (except for conditions mentioned in the policy).
• For other exclusions, refer to the detailed terms and conditions, inclusions, and exclusions in the policy documents provided by the company.

Stages of Cancer Covered Under Aditya Birla Cancer Secure Plan

Early Stage Cancer

Insurance holders are covered upon diagnosis of early-stage cancer in organs such as the breast, liver, uterus, stomach, and lungs. The plan also covers prostate cancer, thyroid cancer, chronic lymphocytic leukaemia, and malignant melanoma that has not spread beyond the epidermis. When diagnosed with early-stage cancer, the individual can claim a lump sum amount of 50% of the Sum Insured.

Major Stage Cancer

Diseases covered are malignant tumors or cancer of specified severity. The insured individual can claim 100% of the Sum Insured when diagnosed with major-stage cancer.

Advanced Stage Cancer

In case of a diagnosis of All Stage IV malignant tumors with the presence of distant metastasis, the individual can claim 150% of the Sum Insured for the treatment and recovery of the disease.

Critical Illness Cover

Under the Aditya Birla Cancer Secure Plan, individuals are covered not only for cancer but also for other critical illnesses. If the insured person is diagnosed with any one of the 64 critical illnesses mentioned in the policy schedule during the policy period, the plan offers up to 100% of the Sum Insured.

Benefits of Aditya Birla Cancer Secure Plan

• Education Benefit
  In case of accidental death or permanent total disability, in addition to the amount payable, the plan pays a lump sum amount as specified in the policy schedule towards the education of surviving dependent children.
• Optional Benefits
  Individuals insured under Aditya Birla Cancer Secure Plan are entitled to optional benefits such as a wellness coach and e-opinions. The Wellness Coach facility provides individuals the opportunity to consult a dedicated health coach for faster recovery and medical advice. On the other hand, if the insured person is diagnosed with a critical illness during the policy period, they may avail a second e-opinion from the dedicated panel of medical practitioners.
• A Short Survival Period
  Aditya Birla Cancer Secure Plan has a short survival period of 7 days for insured individuals post-diagnosis. After fulfilling the survival period, policyholders can request a claim and avail the lump sum amount provided by the insurer for their treatment and recovery.
• Avail No Claim Bonus
  Aditya Birla Cancer Secure Plan policyholders can avail a no-claim bonus of 10% for every claim-free year, up to 100% of the sum insured. However, in case of a claim, the bonus would be reduced by 5%.
• Protection Against All Cancer Stages
  Aditya Birla Cancer Secure Plan provides protection against all three stages of cancer to the insured individual. Early-stage, major-stage, and advanced-stage cancers are all covered under the plan with fixed payouts as per the cancer diagnosis.

Claim Process of Aditya Birla Cancer Secure Plan

Cashless Claim Process

1. Intimate the health insurance provider for emergency hospitalization within 48 hours, and for planned hospitalization, intimation must be done 3 days prior.
2. Submit your policy number and identification proof.
3. Documents and claim requests will be verified by the insurer, after which the claim is settled.

Reimbursement Claim Process

1. Intimate the health insurance provider for emergency hospitalization within 48 hours, and for planned hospitalization, intimation must be done 3 days prior.
2. Submit all necessary documents such as identity proof, hospital bills, doctor's prescription, and any other document required by the insurer.
3. Once the insurer receives the documents, they will verify and settle the claim.

In a Nutshell

Aditya Birla Cancer Secure Plan is beneficial for individuals with a history of cancer ailments in their families. It covers all three major stages of cancer and also includes an in-built cover for critical illnesses and personal accidents. This unique plan offers coverage for cancer-associated treatments such as hospitalization, chemotherapy, surgery, and radiation.

Premium Table for Aditya Birla Cancer Secure Plan

The premium table for Aditya Birla Cancer Secure Plan is given below:

Premium for Male

Premium calculated for a 30-year-old male (Piyush) who opted for a 2-year policy tenure, including optional covers for e-opinion and wellness coach.

Premium for Female

Premium calculated for a 30-year-old female (Sakshi) who opted for a 2-year policy tenure, including optional covers for e-opinion and wellness coach.