Aditya Birla Activ Secure Health Insurance
Cashless Approval TAT | 2 hr Cashless Claim Processing |
Claim Settlement Ratio | 96% |
Network Hospitals | 10,500+ |
Pre-existing Disease Coverage Starting From | Day 1 |
Special Benefits | Incentivized Wellness |
Starting Premium for Rs. 5 lakh Coverage | Rs. 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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Add-ons to Enhance Benefits
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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
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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
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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
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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.
Claim Process at Aditya Birla Health Insurance
FAQs on Activ Secure Health Insurance Plan
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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.
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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.
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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.
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For how long can the policy be bought?
The policy can be taken for 1, 2 or 3 continuous years.