Aditya Birla Cancer 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 Cancer Secure Health Insurance
Aditya Birla’s Cancer Secure Plan is a fixed-benefit medical insurance plan that pays a lump sum benefit if the insured is diagnosed with cancer. The benefit payable is expressed as a percentage of the sum insured and the rate depends on the stage of cancer suffered. Up to 150% of the sum insured can be claimed under the plan depending on the severity of cancer suffered.
Besides providing inbuilt coverage against cancer, the Aditya Birla Activ Cancer Secure plan also has optional additional coverage benefits which can be chosen to increase the scope of cancer insurance coverage. The plan offers high sum insured levels. Sum insured starts from Rs. 5 Lakh and goes as high as Rs. 1 Crore enabling individuals to opt for the most optimal coverage level for themselves. Since cancer treatments are an expensive affair, such high coverage levels are an advantage for the policyholder.
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Key Inclusions and Exclusions of the Plan
What's Included
- Early, major and advanced stage cancers are covered under the plan
- 50% of sum insured is paid in case of early stage cancer
- 100% of sum insured is paid in case of major stage cancer
- 150% of sum insured is paid in case of advanced stage cancer
- 10% increase in the sum insured is allowed as no claim bonus in case of every claim-free year
What's Not Included
- Illnesses or treatments due to attempted suicide or self-inflicted injuries
- Any type of birth control treatments or hormone replacement therapies
- Expenses incurred in the treatment of STDs, HIV or AIDS
- Treatment for the diseases caused by the use or abuse of alcohol, drug tobacco, etc.
- Any acts of criminal intent are excluded from the policy benefits
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 option wherein the insured can get
personalised health advice regarding cancer treatments and recovery.
Aditya Birla Cancer Secure Expert Review
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Major Attractions
Cancer is a critical disease which can happen to anybody, anytime. Not everyone can afford its treatment, and in such condition, only a health insurance plan can come up as a saviour. The Activ Secure - Cancer Secure Plan holds various significant and distinguished components, which makes it popular amongst people. Some of the elements are as follows:
- Cover provided for up to 150% of sum insured
- Availability of just 90 days initial waiting period
- The option of second e-opinion is available
- A wellness coach is provided under the policy
- The policyholder is given lump sum payout option
- Policy terms of 1, 2 and 3 years are available
- No Claim Bonus of 10% of the sum insured for every claim-free year
50%, 100% and 150% of the sum insured is paid for early, major and advanced stage cancer
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What’s More?
Besides the listed features of the policy, it acquires some profitable features as well, with which proposers can gain some monetary profit as well. Following are the additional benefits of the insurance policy:
- Availability of hassle-free claim settlement procedure
- Tax benefits can be earned on the premium paid
- The requirement of short survival period of 7 days post-diagnosis
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Conclusion
The Activ Secure - Cancer Secure Plan certainly provides a comprehensive cover pertaining to cancer treatment. If anyone is looking for a cancer plan for self or any loved one, his or her search ends here.
Purchasing the plan from a right channel is as crucial as selecting the right plan itself. In this digital era, buying the health insurance plan online is more preferred and suggested than offline. However, a website known as insurancedekho.com is a perfect place to purchase an insurance policy. It offers swift and safe payment gateway, detailed information about the plan, helpful in claim settlement procedure, etc. Thus, choose InsuranceDekho today and forget health care related troubles of tomorrow.
Claim Process at Aditya Birla Health Insurance
FAQs on Cancer Secure Health Insurance Plan
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What is the waiting period under the policy?
An initial waiting period of 90 days is applicable wherein if the insured suffers from cancer, no claim would be paid. However, in case of diagnosis of early stage cancer, the applicable waiting period is 180 days.
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What is the survival period?
After the diagnosis of cancer, the insured should survive for at least 7 days to be eligible for making a claim.
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What is the maximum no claim bonus that can be claimed?
The maximum no claim bonus would be up to 100% of the sum insured which is available if there are no claims for 10 consecutive policy years.
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What is the allowed entry age?
The allowed entry age for insured members is between 18 years and 65 years.