Aditya Birla Activ Secure Critical Illness Health Insurance Plan
Aditya Birla Health Insurance CO. Ltd.’s Aditya Birla Activ Secure Critical Illness plan is specifically made to cover both income loss and critical illnesses in the event of a critical illness diagnosis. The insurance policy’s guaranteed payout offers much-needed assistance and guarantees that the insured person will recover from this illness with the least amount of stress and anxiety possible.
More than 60 critical illnesses are covered by Aditya Birla Activ Secure Critical Illness Health Insurance, and policyholders may receive up to 150% of the Sum Insured. The Aditya Birla Activ Secure Critical Illness plan can also be purchased online.
There are three different plan options available for those looking to purchase an Aditya Birla Activ Secure Critical Illness plan: Plans 1, 2, and 3. Critical Illnesses are covered to varying degrees under each plan.
Plan 1: It offers a 100% payout after a diagnosis for up to 20 critical illnesses, including heart attack, kidney failure, cancer, etc.
Plan 2: With 100% of the Sum Insured payout following a diagnosis, this plan covers up to 50 critical illnesses, such as brain tumors, brain surgery, etc., in addition to the 20 illnesses covered by Plan 1.
Plan 3: 64 critical illnesses in total are covered by this plan:
- These include the 50 critical illnesses, which are compensated at 100%.
- There are 14 critical illnesses in total, and there is a 50% payout.
Here are the eligibility criteria for Aditya Birla Activ Secure Critical Illness Health Insurance Plan.
Minimum entry‑ age – Plan 1 & 2: 5 years | Plan 3: 18 years
Maximum entry‑ age – 65 years
|Relationships Covered||Self, spouse, up to 4 children, up to 2 parents, and 2 parents in-laws|
Eligibility for Sum
· 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 in-laws – 50% of Proposer’s sum insured/eligibility or 10L whichever is lower.
• Children – 50% of Proposer’s sum insured/eligibility or 15L whichever is lower
|Wellness Coach (Optional Cover)||Available|
Key Features and Benefits of Aditya Birla Activ Secure Critical Illness Health Plan
The following are the features and benefits of considering the Aditya Birla Activ Secure Critical Illness Health Plan.
- Complete protection
One of the biggest benefits of considering the Activ Secure Critical Illness Health Plan by Aditya Birla is that the policyholder will get up to Rs 1 crore in coverage for costly therapies and surgeries for up to 64 critical illnesses.
- Lumpsum payout on detection
If you are diagnosed with one of the listed critical illnesses, you can receive a one-time payment to cover your medical and financial needs.
- 150% sum assured
Obtain a maximum payout of 150% of your insured amount if you are identified with multiple critical illnesses.
- Second e-opinion (optional cover)
Another major benefit of considering the Aditya Birla Activ Secure Critical Illness Health Plan is that you will receive an electronic opinion from our panel of medical professionals regarding major surgery or a course of treatment for any of the critical illnesses.
- Wellness Coach (optional cover)
Possibility of selecting a wellness coach to receive specialized health advice and recover more quickly.
- Short Survival Period
Get a brief survival time of only 15 days after the critical illness is first diagnosed.
It refers to the ability granted to holders of individual health insurance policies (including all family members covered by the policy) to transfer from one insurer to another the credit received for pre-existing conditions and time-limited exclusions.
- Coma Benefit
The company will pay a lump sum equal to the limit as stated in the Policy Schedule / the Product Benefit if the Insured Person goes into a coma solely and directly as a result of an Accident that takes place during the Policy Period.
- Grace Period
By mutual agreement, the policy may be renewed; in this case, the renewal premium must be paid to the company on or before the policy’s expiration date and, in no case, after the grace period of 30 days following the expiration date.
What’s Excluded Under the Aditya Birla Activ Secure Critical Illness Health Insurance Plan?
Listed below are the things not included under the Aditya Birla Activ Secure Critical Illness Health Insurance Plan.
- Any claim resulting either directly or indirectly from;
- HIV/AIDS or sexually transmitted diseases
- Use of drugs or alcohol that makes you feel drunk
- Self-inflicted injury, including suicide attempts and suicide
- Congenital conditions, abnormalities, or diseases of the skin
- The insured person breaking any law.
Premium Illustration Of Aditya Birla Activ Secure Critical Illness Health Insurance Plan
Let’s use the case of Mumbai resident Mr. Pramod Kumar as an illustration. He is looking to purchase a plan that will shield him from accident-related injuries in the future. Since he is the only source of income for the family and road accidents are fairly common in India, he decides to shield his family from financial hardships. After getting abundant suggestions and conducting thorough research, he stumbled upon Aditya Birla Activ Secure Critical Illness Health Insurance Plan. Here is the premium illustration according to his age and premium amount.
|No. of Adults||Age||Plan 1||Plan 2||Plan 3|
|1||30 Years||Rs. 5, 463||Rs. 7, 299||Rs. 8, 023|
|1||35 Years||Rs. 7,805||Rs. 10, 354||Rs. 11, 960|
|1||40 Years||Rs. 11, 998||Rs. 15, 700||Rs. 18, 404|
How To Buy the Aditya Birla Activ Secure Critical Illness Health Insurance?
Severe illnesses might necessitate several hospital stays dispersed over a protracted period. In addition to the hospitalization costs, there will be additional expenses, such as copays for doctor visits, medical costs, and more, which could put a strain on your finances. If you are looking to buy Aditya Birla Activ Secure Secure Critical Illness Health Insurance, you will need to follow the steps mentioned below:
Step 1: To get started, access the official Aditya Birla Capital website using your laptop or smartphone.
Step 2: Next, you must locate “Protecting” in the center. “Health Insurance” is visible in the list. After that, click it.
Step 3: After that, locate the “Products Section” at the top, find the Critical Illness Plans, then you will see “Plan 1, Plan 2, and Plan 3” on the right. Click on any of them to open the plan page.
Step 4: Then, the plan page will open. The moment you see the plan page, you will see “Get a Quote” in the banner. Click on it.
Step 5: Once you click on it, you will see a new page asking you to the people you want to cover, enter your mobile number, email Id, and age. After that, click on “Buy Product”. Before you enter the details, ensure they are correct and true to your knowledge.
Step 6: After you click on it, you will see the page with different premium amounts under Plan 1, Plan 2, and Plan 3. Once you have checked all the details, click on the “Buy Plan” button which you like the most.
Step 7: Then, you will need to select your sum insured and age, select your policy, add members (if you want) and then click on “Proceed”.
Step 8: Your ID type, first name, middle name, last name, date of birth, address, city, marital status, choice of nationality, and more must all be made in the following step. Additionally, you must choose your nominee’s contact information, name, and relationship. When you are finished, select “Save and Continue” to save your changes.
Step 8: After verifying all the information, you must purchase the policy online using Net Banking, a credit card, or a debit card. Congratulations- your policy has been successfully purchased.
How to File a Claim for Your Aditya Birla Activ Secure Critical Illness Health Insurance Plan?
To file a claim for Aditya Birla Activ Secure Critical Illness Insurance, follow the steps listed below. Also, keep in mind that the procedure may vary between insurers.
Step 1: Notify your insurer and file a claim as soon as you are diagnosed with a critical illness that is covered by your policy.
Step 2: Submit the required paperwork to make a claim.
Step 3: The insurer will accept or deny your claim based on the terms of the policy and the provided information.
Documents Required for Raising a Claim
The following documents are typically needed to file an Aditya Birla Activ Secure critical illness insurance claim.
- Completed claim form
- A photocopy of a valid ID.
- A medical certificate stating the critical illness’s diagnosis
- Comprehensive discharge summary
Note: Depending on the type of claim, your insurer might need more paperwork.
Renew Aditya Birla Activ Secure Critical Illness Health Insurance In Easy Steps
If you don’t renew your critical illness health insurance by the deadline, your protection will end. This means that the insurance company will outright reject any claims made during that time, and you will be responsible for covering your medical expenses. If you don’t know how to renew it, here are the steps to renew your Aditya Birla Activ Critical Illness health insurance policy.
- First, go to Aditya Birla Insurance’s official website.
- Locate “Protecting” in the center as the next step. The word “Health Insurance” is highlighted in the list. At last, click it.
- Next, locate “My Account” at the very top of the newly opened page. Then click it after pointing out “Renew Policy” in the list.
- A page requesting your policy number and birthdate will then appear. To continue with the renewal process, enter your mobile number in its place.
The specifics of your policy will then appear after that. Make sure the information is correct once more before paying with a credit card, debit card, or net banking.
- After you finish these steps, your Aditya Birla Activ Secure Critical Illness health insurance policy will be renewed.
Frequently Asked Questions
The maximum payout is 150% of the Sum Insured. Therefore, this plan allows you to cover more than one critical illness.
Under this plan, you may submit more than one claim. This is what makes this Aditya Birla Secure Critical Illness health insurance plan unique.
A maximum of 10 people can be covered under this Aditya Birla Activ Secure Critical Illness insurance plan. This includes:
- Up to 4 dependent children
- Up to 2 parents
- Up to 2 parents-in-law
If there are no claims for 10 consecutive policy years, the maximum no-claim bonus, which is available, is up to 100% of the amount insured.