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Aditya Birla Activ Secure Health Insurance

468 reviews Rate This
Aditya Birla Health Insurance
Activ Secure
Cashless Approval TATWithin 2 hours
Claim Settlement Ratio96%
Network Hospitals11,000+
Pre-existing Disease Coverage Starting FromDay 1
Special BenefitsIncentivized Wellness
Starting Premium for Rs. 5 lakh CoverageRs. 270/month

About Aditya Birla Activ Secure Health Insurance

Aditya Birla Activ Secure - Critical Illness Plan is a critical illness health insurance plan. The plan covers specified illnesses and treatment. If the insured suffers from the covered illness or undergoes the covered treatment, the sum insured is paid in a lump sum pay-out. The benefit can then be used by the insured to either pay for the illness/treatment or for any other financial need.

The plan comes in three variants and the number of illnesses covered depends on the variant chosen by the policyholder. As the variant increases, the number of critical illnesses covered also increases. There is a good and flexible range of sum insured options under the plan providing policyholders with sufficient coverage for severe medical contingencies.

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Key Inclusions and Exclusions of the Plan

What's Included

  • Lump sum benefit paid in case the insured suffers from a critical illness covered under the plan
  • Plan 1 of the Active Secure policy covers 20 critical illnesses
  • Plan 2 provides coverage for as many as 50 critical illnesses
  • Plan 3 of the policy covers as many as 64 critical illnesses
  • Sum insured from Rs. 1 Lakh to Rs. 1 Crore

What's Not Included

  • Illnesses suffered due to alcohol and/or drug abuse
  • Illnesses or treatment other than the covered list is excluded
  • Expenses related to any type of STD, HIV or AIDS
  • Diseases caused by any activity or act which is against the law
  • Deliberate attempts of suicide or self-harm are not covered

10849 Aditya Birla Cashless Network Hospitals in India

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Activ Secure User Reviews

4.7
Rating based on
468 User reviews
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What users are saying
  • All
  • Efficient Claims Settlement

    I had to make a claim recently, and InsuranceDekho's claims settlement process was efficient and transparent for my Aditya Birla Health Insurance- Activ Secure. They kept me informed throughout, and I received my reimbursement promptly.

    Read More

    V
    By Vivek Bansal
    On: Sep 27, 2023
  • Easy to understand the policy

    I wanted to purchase a trusted health insurance plan which covers me for expenses arising due to a positive diagnosis of coronavirus. I read about Aditya Birla Health Insurance- Activ Secure and purchased it from InsuranceDekho. I would recommend this insurance portal to all.

    Read More

    S
    By Shelly Lal
    On: Aug 23, 2023
  • Premium calculator is handy

    The premium calculator on InsuranceDekho is an innovative tool that simplifies the complicated policy premium calculation and saves time. It came in really handy when I was struggling to calculate the total premium amount for my Aditya Birla Health Insurance’s Activ Secure plan along with the add-on, Wellness Coach.

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    N
    By Namrata Arora
    On: Feb 26, 2021
  • All-time accessible team

    I have insured my whole family with the Aditya Birla Health Insurance’s Activ Secure plan through InsuranceDekho. I have often faced issues at the time of claim settlement or at the renewal. But irrespective of the time of the day, I could come on the website and reach out to its team.

    Read More

    R
    By Ruchi Srivastav
    On: Feb 15, 2021
  • Hassle-free renewal

    Up until now, I have been renewing my policy by going to the insurance office. This year because of the pandemic, it was not possible. I came across InsuranceDekho. I am more than satisfied with the hassle-free procedure of renewing Aditya Birla Health Insurance’s Activ Secure plan. I will surely be visiting the website for future dealings.

    Read More

    U
    By Uma Thakurta
    On: Feb 11, 2021
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Add-ons to Enhance Benefits

  • Second E-Opinion

    Second E-Opinion through which the insured can access a second medical opinion from the company’s network of empanelled medical practitioners free of cost.

  • Wellness Coach

    Wellness Coach who would help the insured to recover quickly and maintain his/her health after being diagnosed with a critical illness or after undergoing a major treatment.

Aditya Birla Activ Secure Expert Review

  • Expert Review

    Everybody wants to be secured in life, either in terms of health or finance. Aditya Birla Activ Secure - Critical Illness, is a critical illness plan, which covers specific diseases and relevant treatment. The plan safeguards the patients from facing some specific critical illnesses and financial crisis that may occur due to them. However, if the insured individual fall prey to a critical illness, which is covered under the policy, he or she is eligible to get an amount in a lump sum for their treatment.

    The plan is available in three variants delivering varied benefits. It can be purchased by a person with a minimum age of 5 years. The fundamental difference between the variants lies in the number of illnesses covered under each. The three variants cover 20, 50 and 64 illnesses, respectively. The sum insured option under this plan ranges between Rs.1 Lakh and Rs. 1 Crore, which can be utilised for the treatment of the insured or for maintaining the lifestyle. 

  • Major Attractions

    When it comes to critical illnesses, which are life-threatening as well, an affordable and absolute plan is required. A policy that can deal with every aspect of critical disease treatment and medication is considered well in that situation. Activ Secure - Critical Illness by Aditya Birla offers different beneficial components that make its value before the customers. Some of the attractive points of the plan are:

    • Offers coverage for up to 64 critical illnesses
    • Option to select wellness coach and recover faster
    • Option to avail second opinion is available under the plan  
    • Lump sum amount is payable on the detection of listed critical diseases
    • The plan is served at a huge network of hospitals and medical practitioners
    • Payout of maximum 150% of the sum insured is offered for more than one critical illness
    • Requires a short survival period of 15 days after the first diagnosis of critical illness
    • Lifestyle maintenance, domestic expenses, etc., can be served with the lump sum amount

  • What’s More?

    Besides the coverage features, the plan owns some components that bring some profits as well. Treatment for critical illness takes a lot of money; hence, a profit element in the plan is indeed a matter of attraction. Here are some valuable benefits included in the policy:

    • A free look period of 15 days is offered
    • Early stage and major stage illness has different payout options
    • Gain health insurance tax benefits under section 80D of the IT act

  • Conclusion

    The components of Aditya Birla Activ Secure - Critical Illness insurance policy are highly useful. For a person suffering from a critical illness, this plan tries to offer every possible coverage right from treatment to lifestyle maintenance.  

    Having gone through all the major highlights of the policy, it is also essential to opt for the right platform to get it. The policy can be bought online as well as offline, but the former is always suggested. With insurancedekho.com, an online health insurance broker, you would not just attain transparency, but also achieve the most suitable advice from its support staff team. These facilities would help you in choosing the right plan and clearing all the health insurance related doubts as well.

Aditya Birla Activ Secure Brochure

  • 264.16 KB
  • PDF Document
  • Jun 03, 2019
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Claim Process at Aditya Birla Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 48 hours and for planned hospitalisation intimate within 3 days prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 48 hours and for planned hospitalisation intimate within 3 days prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Activ Secure Health Insurance Plan

  • Is the sum insured paid in full in all plan variants?

    In Plans 1 and 2, 100% of the sum insured is paid if the insured suffers from a covered illness. However, in Plan 3, 50% of the sum insured, subject to a maximum of Rs. 10 Lakh is paid for some illnesses which are specified.

  • What is the waiting period under the plan?

    A period of 90 days from the date of commencement of risk is the waiting period under all plan variants. Moreover, in Plan 3, there is a waiting period of 180 days for specified illnesses and treatments.

  • What is the survival period, if any?

    There is a survival period of 15 days in all plan variants. This means that the insured should survive for at least 15 days after the diagnosis of the illness to claim the benefit.

  • What are the minimum and maximum entry ages?

    The minimum entry age for Plan 1 and Plan 2 is 5 years but for Plan 3 is 18 years. The maximum entry age in all plan variants is 65 years.

  • For how long can the policy be bought?

    The policy can be taken for 1, 2 or 3 continuous years.

  • How much sum insured can be taken by the proposer?

    Though the maximum sum insured is up to Rs. 1 Crore, the proposer can avail up to 12 times his/her gross annual income as the sum insured under the plan.

  • Can the spouse be covered for the same level of sum insured as the proposer?

    If the spouse is a non-earning member, coverage would be restricted to up to 50% of the proposer’s coverage that too up to a maximum of Rs. 30 Lakh.

  • What is the time limit to make a claim for a covered illness?

    The claim should be made within 7 days of the occurrence of the illness. Moreover, all the claim-related documents should be submitted to the company within 30 days.

  • Can dependent parents be covered under the plan?

    Yes, dependent parents, as well as parents-in-law, can also be covered under the plan.

  • What would be the coverage for dependent children?

    Dependent children can be covered for up to 50% of the proposer’s sum insured subject to a limit of  Rs. 15 Lakh.

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