How can the insured claim up to 150% of the sum insured?

If the insured is diagnosed with an early stage cancer, 50% of the sum insured is paid immediately. Thereafter, if the cancer progresses to a major or advanced stage, another 100% of the sum insured is paid irrespective of the 50% already paid. This results in a claim of 150% of the sum insured. Moreover, if the insured is diagnosed with advanced stage cancer, the pay-out is 150% of the sum insured.

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.

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.

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.

What is the allowed entry age?

The allowed entry age for insured members is between 18 years and 65 years.

What is the available policy tenure?

The plan can be taken for 1 to 3 years.

Can family members be covered under the plan?

Yes, the policyholder can get coverage for self, spouse, up to four dependent children, dependent parents and dependent parents-in-law.

How is the sum insured calculated?

The sum insured is calculated based on the income of the policyholder. Coverage can be taken for up to 12 times the gross annual income.

Is the sum insured the same for all family members?

No, the sum insured is different from the primary earning member and for his/her family members. A non-earning spouse can avail up to 50% of the proposer’s sum insured subject to a maximum of Rs. 30 Lakh. Non-earning parents or parents-in-law can avail up to 50% of the proposer’s sum insured subject to a maximum of Rs. 10 Lakh. For children, the coverage would be up to 50% of the proposer’s sum insured subject to a maximum of Rs. 15 Lakh.

What documents are required for making a claim?

For making a claim the policyholder should submit the following documents Claim form Medical certificate which confirms the diagnosis of cancer Certificate which declares that the claim is not because of pre-existing illnesses or incurred within the waiting period Copy of the first consultation letter and all prescriptions Any other documents as required by the company

Aditya Birla Cancer Secure Health Insurance Wordings

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Highlights

Cashless Approval TAT	Within 2 hours
Claim Settlement Ratio	96%
Network Hospitals	11,000+
Pre-existing Disease Coverage Starting From	Day 1
Special Benefits	Incentivized Wellness
Starting Premium for Rs. 5 lakh Coverage	Rs. 270/month

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Aditya Birla Cancer Secure Brochure

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Jun 03, 2019

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Aditya Birla Health Insurance Plan List

Family (4)
Individual (4)
Kids (3)
Diabetes (2)
Parents (1)
Senior Citizen (1)
Cancer (2)
Critical Illness (2)

Name of Plan	Sum Insured
Activ Assure DiamondMin: 91 Days; Max: No LimitPopular	2 Lakh	Check Premium
Active Health PlatinumPopular		Check Premium
Activ Fit - Plus and PreferredPopular		Check Premium
Global Health Secure Min: 91 Days; Max: 65 yearsPopular	3 Crore - 6 Crore	Check Premium
Activ OnePopular		Check Premium
Activ Health EssentialMin: 91 Days; Max: No Limit	50 Thousand	Check Premium
Activ CareMin: 55 Years; Max: 80 Years	3 Lakh	Check Premium
Corona Kavach PolicyMin: 1 day; Max: 65 days	50,000 - 5 lakh	Check Premium
Activ SecureMin: 5 Years; Max: 65 Years	1 Lakh	Check Premium
Cancer SecureMin: 18 Years; Max: 65 Years	5 Lakh	Check Premium
Activ Health EnhancedMin: 91 Days; Max: No Limit	2 Lakh	Check Premium
Arogya Sanjeevani PolicyMin: 3 Months; Max: 65 Years	1 Lakh - 5 Lakh	Check Premium

Aditya Birla Health Insurance Top Up List

Name of Plan	Sum Insured
Super Health Plus Top-up PolicyMin: 91 Days; Max: 65 years	3 Lakh - 95 Lakh	Check Premium

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FAQs on Cancer Secure Health Insurance Plan

How can the insured claim up to 150% of the sum insured?
If the insured is diagnosed with an early stage cancer, 50% of the sum insured is paid immediately. Thereafter, if the cancer progresses to a major or advanced stage, another 100% of the sum insured is paid irrespective of the 50% already paid. This results in a claim of 150% of the sum insured. Moreover, if the insured is diagnosed with advanced stage cancer, the pay-out is 150% of the sum insured.
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.
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.
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.
What is the allowed entry age?
The allowed entry age for insured members is between 18 years and 65 years.
What is the available policy tenure?
The plan can be taken for 1 to 3 years.
Can family members be covered under the plan?
Yes, the policyholder can get coverage for self, spouse, up to four dependent children, dependent parents and dependent parents-in-law.
How is the sum insured calculated?
The sum insured is calculated based on the income of the policyholder. Coverage can be taken for up to 12 times the gross annual income.
Is the sum insured the same for all family members?
No, the sum insured is different from the primary earning member and for his/her family members. A non-earning spouse can avail up to 50% of the proposer’s sum insured subject to a maximum of Rs. 30 Lakh. Non-earning parents or parents-in-law can avail up to 50% of the proposer’s sum insured subject to a maximum of Rs. 10 Lakh. For children, the coverage would be up to 50% of the proposer’s sum insured subject to a maximum of Rs. 15 Lakh.
What documents are required for making a claim?
For making a claim the policyholder should submit the following documents

Claim form

Medical certificate which confirms the diagnosis of cancer

Certificate which declares that the claim is not because of pre-existing illnesses or incurred within the waiting period

Copy of the first consultation letter and all prescriptions

Any other documents as required by the company

View More Questions

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.

Aditya Birla Health Insurance Contact Details

Reach us for help anytime

Insurance Dekho
755 1196 989Mon to Sun 10:00 AM to 7:00 PM
support@insurancedekho.com
Aditya Birla Health Insurance
1800-270-7000Mon to Fri 10:00 AM to 7:00 PM
care.healthinsurance@adityabirlacapital.com