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Aditya Birla Health for Critical Illness

Cover up to 64 CI
Avail discounts
Optional Covers available

Network hospitals

11000+

Incurred claim ratio

64.68%

Sum insured

Up to 2 CR

No. of Plans

22

Solvency Ratio

2.3

Pan India Presence

213

Recognized By Aditya Birla PolicyX.com is a Recognised Aditya Birla Partner View Certificate

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

1 Adult

2 Adults

2 Adults & 1 Child

2 Adults & 2 Children

2 Adults & 3 Children

Other Members

Age of Eldest Member

Network hospitals

11000+

Incurred claim ratio

64.68%

Sum insured

Up to 2 CR

No. of Plans

22

Solvency Ratio

2.3

Pan India Presence

213

Recognized By Aditya Birla PolicyX.com is a Recognised Aditya Birla Partner View Certificate

Aditya Birla Health Insurance for Critical Illness

Aditya Birla Critical Illness is a comprehensive plan designed to cater to individuals who want to protect themselves from the financial burden caused by the treatment of any critical illness. If you are diagnosed with any of the critical illnesses listed in the plan, the Aditya Birla critical illness plan provides a financial safety net by compensating for all lost income and treatment costs. The diagnosis of any critical illness causes enormous mental and emotional stress on the individual patient and their family members; financial stress is the last thing an individual should consider during this time.

Aditya Birla's critical illness plans are designed to combat such critical illnesses by providing a plethora of services and cover facilities that protect the individual and their family from financial stress. The Aditya Birla critical illness plan covers 60+ critical illnesses and is available in three different plan variants.

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Aditya Birla Critical Illness Eligibility Criteria

Entry Age

Minimum: Plan 1 & 2 - 5 Years | Plan 3 - 18 Years

Maximum Age

Maximum: 65 Years

Plan Type

Individual / Family Floater

Policy Term

1 / 2 / 3 year

Sum Insured

1 L | 2 L | 3 L | 4 L | 5 L | 6 L | 7 L | 8 L | 9 L 10 L | 15 L | 20 L | 25 L | 30 L | 40 L | 50 L | 1 Cr

Initial Waiting Period*

30 Days

Key Benefits of Aditya Birla Critical Illness

Aditya Birla Critical Illness is a comprehensive health insurance plan with numerous features and benefits.

Go beyond health insurance : The Aditya Birla Critical Illness health insurance policy is more than just a health insurance policy; it is designed with the insurance holder's overall well-being in mind, which is why the plan includes an optional cover where you can access a wellness coach. A wellness coach will walk you through the process of recovery and healthy living helping you to recover faster with personalized health advice.
Adequate health insurance : Aditya Birla Critical Illness provides adequate health insurance coverage. Critical illnesses can be costly to treat, which is why Aditya Birla Critical Care provides up to 1 Crore of sum insured for extensive coverage of costly treatments and therapies required by any patient. The Aditya Birla Critical Illness plan provides extensive coverage against up to 64 critical illnesses, allowing the policyholder to focus on their well-being and health.
One time payout : Suppose you are diagnosed with any of the 64 critical illnesses listed under the Aditya Birla Critical Illness program. In that case, you will be offered a lump-sum payment to cover your treatment and recovery costs. Insurance holders can receive up to 150% of their sum insured if diagnosed with any of the critical illnesses listed under Aditya Birla Critical Illness.
3 variants of the critical illness plan : Aditya Birla Critical Illness offers 3 different variants to select from. Individuals can select between the three plan variants wherein Plan 1 covers 20 critical illnesses, Plan 2 covers 50 Critical Illnesses and Plan 3 covers 64 Critical Illnesses.
Tax Benefits :Insurance holders can avail tax benefits under Income Tax Act as the premiums paid towards Aditya Birla Critical Illness plan are subject to tax benefits.

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Aditya Birla Critical Illness Insurance Plans

Aditya Birla Activ Secure Critical Illness Plan

The plan is designed to provide financial protection against critical illnesses, & offers compensation against the loss of income arising out of critical illnesses.

Unique Features

A Lump Sum payout on detection
150% sum assured
Short survival period

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Aditya Birla Critical Illness Inclusions

The various inclusions of Aditya Birla Critical Illness are listed below:

Accidental Death Cover

Permanent Total Disablement

Emergency Road Ambulance

Day care treatment

Air Ambulance

Cancer

Heart Attack

Open Chest CABG and more

Aditya Birla Critical Illness Exclusions

The various exclusions of Aditya Birla Critical Illness are listed below:

Sexually transmitted disease or HIV/ AIDS

Influence of intoxicating liquor or drugs

Suicide or attempted suicide, intentional self-injury

Congenital external diseases, defects, or anomalies

Injuries/accidents caused while being involved in any unlawful activity

Explore Aditya Birla Health Insurance

Explore other Aditya Birla Health Plans

Aditya Birla Health offers a wide range of health insurance plans to fulfill the medical needs of individuals, families, and senior citizens.

Comprehensive

Aditya Birla Activ Health Platinum

A comprehensive health insurance plan that offers comprehensive coverage against medical bills & comes with access to Chronic Management Program.

Unique Benefits

Chronic illness cover
Modern treatments covered
Double coverage

Affordable

Activ Assure Diamond

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.

Unique Benefits

150% sum insured reload
No Room rent capping
Mental illness covered

Activ Assure Diamond (Pros)

100% Ambulance Cover
Organ Donor Expenses Covered
AYUSH Treatment Cover
Hospital Allowance
Day Care Treatment Covered

Activ Assure Diamond (Cons)

10% Co-Payment
Obesity Treatment Unavailable
Hazardous Activity not covered
HIV/AIDS not covered
Cosmetic Surgery unavailable

Activ Assure Diamond (Other Benefits)

Up to 10% Long Term Discount
Health Return Points
Room Upgrade Available
Super No Claim Bonus
Unlimited Reload of SI

Activ Assure Diamond (Eligibility Criteria)

Entry Age - 5 Years
Max Entry Age - Age No Limit
SI - 2 L to 2 Cr
Waiting Period - 30 Days

Standard

Arogya Sanjeevani Policy

A standard health insurance policy, wherein you can choose coverage of up to Rs.1 lac to Rs.5 lacs.

Unique Benefits

Avail 5% cumulative bonus
Cataract treatment covered
All daycare treatments covered

Arogya Sanjeevani Policy (Pros)

AYUSH Treatment
Pre & Post Hospitalization Cover
Cashless Treatment
Day Care Treatments
5% No Claim Bonus

Arogya Sanjeevani Policy (Cons)

5% Co-Payment
Obesity Treatment Unavailable
Hazardous Activity not covered
HIV/AIDS not covered
Cosmetic Surgery unavailable

Arogya Sanjeevani Policy (Other Benefits)

High SI
Room Rent Cover
Cataract Treatment
5% ICU Cover
Individual & Family Floater

Arogya Sanjeevani Policy (Eligibility Criteria)

Entry Age - 3 Months
Max Entry Age - 65 Years
SI - 1 L to 5 L
Waiting Period - 30 Days

Senior Citizen

Aditya Birla Activ Care

A senior citizen plan that offers complete protection such as nursing at home, AYUSH cover, personal health coach, etc.

Unique Benefits

Avail up to 21% health returns
Second E-opinion
Worldwide Emergency Assistance

Super top-up

Activ Assure Diamond + Super Health Topup

A top-up plan offering medical coverage up to Rs. 1 cr. The plan also gives health and wellness discounts.

Unique Benefits

586-day care procedures covered
No restriction on room rent
5k coverage for road accident

Activ Assure Diamond + Super Health Topup (Pros)

COVID-19 Cover
Home Treatment Cover
DayCare Treatment Covered
Affordable Premiums
OPD Consultations

Activ Assure Diamond + Super Health Topup (Cons)

Illness due to intoxicants
Obesity Treatment Unavailable
Hazardous Activity not covered
HIV/AIDS not covered
Cosmetic Surgery unavailable

Activ Assure Diamond + Super Health Topup (Other Benefits)

Air Ambulance
Wellness Benefits
Long Term Discounts
Domiciliary Hospitalization
Organ Donor Expenses

Activ Assure Diamond + Super Health Topup (Eligibility Criteria)

Entry Age - 91 Days
Max Entry Age - 65 Years
SI - 3 L to 1 Cr
Waiting Period - 30 Days

Cancer Plan

Activ Secure- Cancer Secure

Specially designed plan to protect you against the rising costs of treatment at every stage of cancer – early, major and advanced.

Unique Benefits

Short survival period of 7 days
Early stages of cancer covered
Avail no claim bonus

Activ Secure- Cancer Secure (Pros)

Covers 3 Stages
150% of SI
10% of No Claim Bonus
High SI
Lump Sum Payout

Activ Secure- Cancer Secure (Cons)

Illness due to intoxicants
Obesity Treatment Unavailable
Hazardous Activity not covered
HIV/AIDS not covered
Cosmetic Surgery unavailable

Activ Secure- Cancer Secure (Other Benefits)

Wellness Coach
Second e-Opinion
Short Survival Period
Upto 1 Cr SI
Hospitalization Expense

Activ Secure- Cancer Secure (Eligibility Criteria)

Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 5 L to 1 Cr
Waiting Period - 30 Days

Accident Plan

Activ Secure Personal Accident

The Plan is designed to protect individuals and families from all the contingencies (death and disabilities) that occur due to accidents.

Unique Benefits

Education benefits provided
Funeral expenses covered
Protection against income loss

Activ Secure Personal Accident (Pros)

Total & Partial Disability Cover
Accidental Death Cover
No Claim Bonus
Ambulance Cover
Education Benefit

Activ Secure Personal Accident (Cons)

Illness due to intoxicants
Obesity Treatment Unavailable
Hazardous Activity not covered
HIV/AIDS not covered
Cosmetic Surgery unavailable

Activ Secure Personal Accident (Other Benefits)

Income Cover
Loan Protect Cover
Orphan Benefit
Compassionate Visit
Coma Benefit

Activ Secure Personal Accident (Eligibility Criteria)

Entry Age - 5 Years
Max Entry Age - 65 Years
SI - 30 L
Waiting Period - 30 Days

Critical Plan

Activ Secure Critical Illness Plan

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)

Entry Age - 5 Years
Max Entry Age - 65 Years
SI - 1 L to 1 Cr
Waiting Period - 30 Days

Health Insurance Articles

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Aditya Birla Health Insurance for Critical Illness

1. How many critical illnesses are covered by Aditya Birla Critical Illness Health Insurance Plan?

The Aditya Birla Critical Illness Plan has 3 different variants offering cover against 20, 50, and 64 critical illnesses respectively under Plan variant 1, 2 and 3. All the Aditya Birla Critical Illness health insurance plans offer sum insured amount up to 1 Cr starting from 1 Lakh.

2. What is the eligibility criteria for Aditya Birla Critical Illness Health Insurance Plan?

The eligibility criteria for Aditya Birla Critical Illness is: Plan 1 and 2 - Minimum age - 5 years and Plan 3 - 18 years. Maximum age - 65 Years.

3. Are there any discounts available under Aditya Birla Critical Illness?

Yes, individuals can avail of a 10% discount on premiums for covering 2 or more family members in a single policy.

4. Who can be covered under Aditya Birla Critical Illness?

When purchasing the Aditya Birla Critical Illness Plan insurance holders can cover Self, spouse, up to 4 children, up to 2 parents, and 2 parents in-laws.

5. Do insurance holders get a death benefit under Aditya Birla Critical Illness?

Aditya Birla Critical Illness offers sum insured to the insured life in the form of a lump-sum amount on the diagnosis of a critical illness . Aditya Birla Critical Illness offers no death benefit under the plan.

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Naval Goel

Reviewed By: Naval Goel

Naval Goel is the CEO & founder of PolicyX.com. Naval has an expertise in the insurance sector and has professional experience of more than a decade in the Industry and has worked in companies like AIG, New York doing valuation of insurance subsidiaries. He is also an Associate Member of the Indian Institute of Insurance, Pune. He has been authorized by IRDAI to act as a Principal Officer of PolicyX.com Insurance Web Aggregator.

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