Aditya Birla Activ Secure Critical Illness Plan

The Aditya Birla Activ Secure Critical Illness plan from Aditya Birla Health Insurance CO. Ltd. is designed specifically to compensate for the income loss and also the critical illnesses in case of a critical illness diagnosis. The plan provides a guaranteed pay-out that offers the much-needed help and also ensures that the insured person recovers from this illness with minimum stress and anxiety.

Individuals who buy Aditya Birla Activ Secure Critical Illness Health Insurance are protected against more than 60 critical illnesses and can benefit from as much as 150% of the Sum Insured. One also has the option of buying online Aditya Birla Activ Secure Critical Illness plan.

Coverage Offered

Individuals who intend to buy Aditya Birla Activ Secure Critical Illness plan have the option to select from 3 plan variants: Plan 1, Plan 2 & Plan 3. Each plan has a different level of Critical Illnesses covered.

1. Plan 1 –It covers up to 20 critical illnesses, like, heart attack, Kidney failure, Cancer, etc., with 100% payout on a diagnosis.
2. Plan 2- This plan covers as many as 50 critical illnesses, such as Brain tumors, brain surgery, etc., plus 20 illnesses covered in Plan 1, with a 100% of the Sum Insured payout on a diagnosis.
3. Plan 3- This plan covers a total of 64 critical illnesses:

• These include 50 critical illnesses under List A, wherein a 100% payout is given.
• A total of 14 critical illnesses under List B and a 50% payout is given.

Inclusions of the Aditya Birla Activ Secure Critical Illness Insurance

Aditya Birla Activ Secure Critical Illness Insurance Policy also provides coverage for the following:

• A lump sum payout upon critical illness diagnosis
• Sum Insured option up to Rs 1 crore
• Plan 1 provides basic coverage; Plan 2 offers extensive coverage, while Plan 3 provides complete critical illness coverage.
• In Plan 3, the Policy continues to provide coverage for other Critical Illnesses from list B, even after one payout has been made.
• One can avail of up to 150% Sum insured for more than one Critical illness.
• A Survival period of 15 days following the initial detection of the critical illness

Exclusions of the Plan

Aditya Birla Activ Secure Critical Illness plan does not cover illness or injury due to the following:

• STDs, HIV/ AIDs.
• The influence of intoxicating drugs or liquor
• Intentional self-harm and suicide or a suicidal attempt
• Illness due to unlawful or criminal activities,
• Congenital External anomalies and diseases, etc.

A detailed list of exclusions would be available in the Policy document.

Features & Benefits of the Aditya Birla Activ Secure Critical Illness Plan

The salient features and benefits offered by this policy are:

• Aditya Birla Activ Secure Critical Illness Plan has a choice of 3 plans with varied coverage options.
• The insured also gets a tax benefit under Section 80D of the Income Tax Act 1961.
• Comprehensive coverage for all the major critical illnesses is offered.
• A wellness course facility is provided under the plan in circumstances where the insured has a critical disease diagnosis. The wellness coach will take care of the insured in every way possible.  
• A medical second opinion from the medical experts is also made available at a time when the insured person is diagnosed with a critical illness.

Eligibility Criteria

The minimum eligibility criteria to buy this policy are:

Cancellation of the Policy

Once you have opted for the Aditya Birla Activ Secure Critical Illness Health Insurance plan, you can also cancel the plan within a period of 15 days. The Insured needs to send a written notice to the Insurer for the same. Upon acceptance, the premium for the unused months will be refunded.

The Insurer can also cancel the policy on the grounds of fraud or misrepresentation by the Insured.

FAQs