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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:
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.
| PLAN DETAILS |
Aditya Cancer Secure Plan |
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Koti Suraksha Plan |
| Product Type | Critical Illness Health Insurance | Individual and Family 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) |
- | Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
- | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
- | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
- | Covered |
| Hospital_network (Number of Hospital Network in city) |
12900 | 15000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
- | 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.) |
- | 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- 18 years, Max- 65 years | Minimum: 18 years Maximum: 65 years |
| Plan Premium Entry Age and S/A | 428 | 11285 |
| Plan Waiting Period | 90 days to 180 days | 30 |
| Plan Coverage | - | Individual/Family Floater |
| Plan Sample Premium | 428 | 11285 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1, 2, 3 years | 1/2/3 Years |
| ICU Charges | - | Covered |
| Covid-19 Treatment | - | Covered |
| Cataract | - | Covered |
| Automatic Restoration | - | Covered |
| Ayush Treatment | - | Covered |
| Modern Treatment | - | Not Covered |
| E Consultation | - | Not Covered |
| Air Ambulance | - | Covered |
| Global Coverage | - | Not Covered |
| Claim Ratio | 96 | 95.30 |
| Solvency Ratio | 1.88 | 2.00 |
|
Aditya Birla Cancer Health Insurance Plan HDFC Ergo Health Insurance Plan Detailed Review |
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