Buy Policy in 2 mins
With expert guidance
2 lakh+ Customers
Real-time Reviews
Free Comparison
Easy & Efficient
Google Ratings (2500+)
11+ Years
IRDAI Approved
5M+
Quotes Generated
100K+
Happy Customers
Aditya Birla Activ Secure Critical Illness Plan is designed to cover your financial losses due to treatment for a critical illness. The plan offers wide coverage with up to 64 listed critical illnesses, compensating for income loss during your treatment period. This helps protect you and your family from financial strain during challenging times of physical and emotional distress.
A key feature of this plan is the sum insured of up to INR 1 Crore, providing substantial financial assistance for major surgical operations and extensive therapeutic procedures. The Aditya Birla Activ Secure Critical Illness insurance provides a lump sum payout upon diagnosis of a critical illness, or 150% of the total sum insured as a lump sum payout upon diagnosis of two or more critical illnesses. The critical illness cover includes a short survival period of 15 days if initially diagnosed with any of the covered illnesses. Additionally, this plan has three different variants - Plans 1, 2, & 3, with specific coverage options, which will be discussed further in this article.
Beyond this, you also get coverage for an optional wellness coach and a second e-consultation service for individuals diagnosed with a critical illness. You can buy this plan on an individual or family floater basis. A family floater policy under this plan can cover the policyholder, spouse, up to 4 children, 2 parents, and 2 parents-in-law. The sum insured for the Activ Secure Critical Illness Health Insurance Plan ranges from INR 1 Lakh to INR 1 Crore.
| PLAN DETAILS |
Aditya Birla Activ Secure Critical Illness Plan |
Niva Bupa Group Health Insurance |
| Product Type | Critical Illness Health Insurance | Group Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Covered | - |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | - |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Not Covered | - |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Not Covered | - |
| Post-hospitalization (Expenses after discharge from the hospital) |
Not Covered | - |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Not Covered | - |
| Hospital_network (Number of Hospital Network in city) |
12900 | 10000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Not Covered | - |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Covered | - |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | - |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | - |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | - |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Not Covered | - |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Covered | - |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Covered | - |
| Plan Entry Age | Min- 5 years, Max- 65 years | Flexible eligibility |
| Plan Premium Entry Age and S/A | 5,463 | NA |
| Plan Waiting Period | 90-180 Days | NA |
| Plan Coverage | In-patient hospitalization expenses, pre & post hospitalization (90/180 days), day care treatments, domiciliary & home healthcare, mental illness & modern treatments | Group Health |
| Plan Sample Premium | 5,463 | - |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1 / 2 / 3 year | NA |
| ICU Charges | Covered | - |
| Covid-19 Treatment | Covered | - |
| Cataract | Covered | - |
| Automatic Restoration | Not Covered | - |
| Ayush Treatment | Not Covered | - |
| Modern Treatment | Not Covered | - |
| E Consultation | Covered | - |
| Air Ambulance | Covered | - |
| Global Coverage | Covered | - |
| Claim Ratio | 96 | 94.4 |
| Solvency Ratio | 1.88 | 3.03 |
|
Aditya Birla Health Insurance Niva Bupa Group Health Insurance Explained | Benefits & Coverage |
||
ChatGPT
Claude
Perplexity
