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Aditya Birla Group Activ Corporate Health Insurance

The Aditya Birla Activ Secure Cancer plan is intended to pay for cancer patients’ medical expenses. It provides additional insurance money in case an early-stage cancer diagnosis progresses to a major or advanced stage, and it covers all cancer stages.

The plan offers built-in cancer protection, as well as additional coverage benefits that are optionally available and can be selected to broaden the scope of coverage. The plan provides high levels of insured sum. Individuals can choose the ideal level of coverage for themselves by choosing a sum insured that ranges from Rs. 5 Lakh to Rs. 1 Crore. Such high coverage levels are advantageous for the policyholder because cancer treatments are an expensive endeavour.

Eligibility Criteria

Here are the eligibility criteria for Aditya Birla Activ Secure Cancer Health Insurance Plan.

ParametersDetails
AgeMinimum ent­ry age – 18 years Maximum ent­ry age – 65 years
Tenure1,2,3 years
Relationships coveredSelf, spouse, up to 4 children, up to 2 parents, and 2 parents-in-laws

Eligibility for Sum

Insured

· Earning member – Up to 12 times of annual gross income

• Non-earning spouse – 50% of Proposer’s sum insured/eligibility

or 30L whichever is lower

• Non-earning Parent/ Parent laws – 50% of the Proposer’s sum

insured/eligibility or 10L whichever is lower

• Children – 50% of Proposer’s sum insured/eligibility or 15L

whichever is lower

Survival Period7 Days
Second E Opinion (optional)Available
Wellness Coach (optional)Available
Payout OptionLump sum payout

Key Features and Benefits of Aditya Birla Activ Secure Cancer Health Insurance Plan?

Here are the salient features and benefits of choosing the Aditya Birla Activ Secure Cancer Health Insurance Plan

  1. All Stages of Cancer Covered

All cancer stages are covered by this cancer insurance policy. Therefore, the policy will pay out a lump sum whether the insured is diagnosed with cancer at an early stage, major stage, or advanced stage.

  1. Additional Payout for Major/Advanced Stage Diagnosis

The insured can receive an additional payment of up to 100% of the insured amount if a claim is made after a major or advanced-stage cancer diagnosis.

  1. Short Survival Period

In contrast to most critical illness insurance plans, this one has a survival period of just 7 days rather than 30 days after diagnosis before your claim is processed and you are paid out in a lump sum.

  1. Cumulative Bonus

For not filing a claim during the prior policy year, the policyholder is eligible for a cancer cumulative bonus of 10%, up to a maximum of 100%.

  1. Tax Benefits 

Under Section 80D of the Income Tax Act, the premium for the Aditya Birla Activ Secure – Cancer plan may be tax deductible.

  1. Second E Opinion

When a cancer of a certain severity or metastatic cancer is discovered, it enables the insured to obtain a second electronic medical opinion from the insurer’s network of physicians.

  1. Wellness Coach

To ensure a quicker recovery, it offers the insured person a dedicated coach who offers individualised medical guidance on weight management, nutrition, activity & fitness, and quitting smoking.

  1. Early Stage of Cancer

If the insured is found to have an early stage of cancer, such as carcinoma in the stomach, breasts, or lungs, the policy pays a lump sum of up to 50% of the amount insured.

  1. Major Stage of Cancer

If the insured is found to have a malignant tumour or cancer of a certain severity, this insurance pays 100% of the amount insured in a lump sum.

  1. Advanced Stage of Cancer

If the insured is found to have metastatic cancer or a Stage IV malignant tumour, it pays 150% of the amount insured in a lump sum.

What are the Exclusions Under Aditya Birla Activ Secure Cancer Health Insurance?

The following medical expenses are not covered by the Aditya Birla Activ Secure – Cancer plan:

  • Sexually Transmitted Diseases
  • Treatment for drug or alcohol addiction
  • Congenital external anomalies
  • HIV/AIDS
  • Intentional self-injury
  • Birth control procedures

Premium Illustration of Aditya Birla Activ Secure Cancer Health Insurance Plan

Let’s take the example of Mr. Umesh Yadav, a resident of New Delhi, looking to buy a plan that can protect him from cancer in the future. There is no arguing the fact that cancer is life-threatening and can also drain your entire savings. After getting abundant suggestions and conducting thorough research, he stumbled upon Aditya Birla Activ Secure Cancer Health Insurance Plan. Here is the premium illustration according to his age and premium amount.

No. of AdultsAgeSum InsuredTenureOptional CoverPremium Amount
130 YearsRs. 25, 00, 0001 Year–Rs. 1, 945
130 YearsRs. 50, 00, 0002 YearsWellness CoachRs. 8, 342
130 YearsRs. 100000003 Years–Rs. 24, 288

How To Buy the Aditya Birla Activ Secure Cancer Health Insurance?

An insurance plan like Aditya Birla Activ Secure Cancer Insurance can be a useful tool in the fight against cancer, given the high cost of treatment. It can help you not only get the money you need to get the best care but it can also keep your savings from being lost. Compared to other types of health plans, Aditya Birla’s cancer insurance is affordable. If you are planning to buy Aditya Birla Activ Secure Cancer Health Insurance, you will need to follow the steps mentioned below:

Step 1: Start by using your laptop or smartphone to access the official Aditya Birla Capital website.

Step 2: Next, find “Protecting” in the middle. In the list, “Health Insurance” can be seen. Finally, click it.

Step 3: Then, find the Cancer Secure Plans in the “Products Section” at the top, and then you will see “Activ Secure- Cancer Secure” on the right. To view the plan page, click “View Plan”.

Step 4: The plan page will then open in the fourth step. You will notice “Get a Quote” in the banner as soon as you land on the plan page. Just click it.

Step 5: Once you click it, a new page will appear asking you to enter your mobile number, email address, and age as well as the people you want to cover. Click “Buy Product” after that. Make sure the information is accurate and true to your knowledge before entering it.

Step 6: After clicking it, you will be taken to a page where you must choose the “Sum Insured” amount, the length of the policy, and any additional benefits you wish to include. Click the “Proceed” button below once you have reviewed every detail. 

Step 7: You must then choose your age and sum insured, pick your policy, choose to add members (if you want), and click “Proceed” to move forwards with the purchase.

Step 8: Make sure you select your ID type in the eighth step before filling out your first name, middle name, last name, date of birth, address, city, marital status, and choice of nationality in the ninth step. You must also decide on the nominee’s name, relationship, and contact details. To save your changes, choose “Save and Continue” when you are done.

Step 9: You must use Nett Banking, a credit card, or a debit card to buy the policy online after you have verified all the information. Congratulations! Your insurance purchase was a success.

How To File a Claim for Your Aditya Birla Activ Secure Cancer Health Insurance Plan?

With today’s advanced medical technology, combating such serious diseases is both possible and simple. However, the expense of recovery and treatment can put a significant strain on one’s finances. To offset these costs and take advantage of services that other conventional health plans might not offer, cancer patients need a health plan made specifically for them, such as the Aditya Birla Activ Secure Cancer Health Plan.

Step 1: Inform the insurance company, i.e. Aditya Birla.

In the event of a medical emergency, the first thing you must do after being admitted is notified Aditya Birla of the hospitalization and any anticipated costs. Either directly or through TPA, you can get in touch with them.

Step 2: Submit the necessary paperwork

Your insurer will give you the claim form after informing Aditya Birla. You must fully complete the claim form, properly sign it, and send it to the insurance provider along with the other supporting documentation needed for verification and determining the amount of reimbursement. It should be noted that every document needs to be stamped and signed.

Step 3: Submission of Bills

You must submit the bills along with the necessary documentation. Bills for hospitalization, doctor visits, pharmacy visits, and other expenses would be included.

Step 4: Surveyor appointment

The insurance provider will designate a surveyor after receiving the necessary paperwork to confirm the legitimacy of the hospitalization and the case.

Step 5: Claim Approval/Rejection

If the insurance company accepts the claim and is satisfied with the supporting documentation, you will receive the reimbursement; however, if there is a problem, the claim may be rejected and additional documentation may be required for further action.

Documents required for raising a claim

The insurance provider must receive the following documents for the claim process to go smoothly and without hitches. Nevertheless, depending on the circumstances, the insurance company might require additional paperwork.

  1. Duly filled in and signed claim form
  1. Medical certificate
  1. Prescriptions
  1. Investigation reports
  1. Other procedure reports like that of radiology.

How To Renew Your Aditya Birla Activ Secure Cancer Health Insurance?

Your coverage will expire if you don’t renew your Aditya Birla Secure Cancer health insurance by the due date. This means that any claim made during that time will be outright rejected by the insurer, and you will be responsible for paying the hospital bills out of your pocket. You won’t be able to submit a claim during this period or until your coverage is renewed, even though every insurer provides a grace period to reinstate an expired insurance policy.

Additionally, if you don’t renew your insurance within the grace period, it will expire, leaving you with no choice but to buy new health insurance, which will reduce the advantages of your current policies.

If you don’t know how to renew it, here are the steps to renew your Aditya Birla Activ Secure Cancer health insurance policy.

  1. Visit the official website of Aditya Birla Insurance first.
  1. The next step is to find “Protecting” in the middle. In the list, the word “Health Insurance” is underlined. Finally, click it.
  1. After that, look for “My Account” at the top of the screen of the just-opened page. After highlighting “Renew Policy” in the list, click it.
  1. The next page will ask for your policy number and birthdate. Your mobile number should be substituted there to continue with the renewal process.

After that, the details of your policy will show up. Before making a purchase using a credit card, debit card, or net banking, double-check the information.

  1. Your Aditya Birla Activ Secure Cancer health insurance policy will be renewed once you have completed the above steps.

Frequently Asked Questions

Yes, you can increase your Aditya Birla Cancer Secure policy’s sum insured when you renew it.

Yes. Aditya Birla Activ Secure Cancer policy premiums may be paid in monthly, quarterly, or semi-annual installments.

If the insured develops cancer during the initial 90-day waiting period, no claim will be paid. The applicable waiting period is 180 days, though, in the event of a cancer diagnosis in its early stages.

The benefits from both plans serve different purposes, so you can purchase a cancer plan even if you have health insurance.

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