All About Aditya Birla Activ Secure - Cancer Plan

The cost that an individual has to incur on cancer treatment, such as chemotherapy, radiation and surgery, can be quite expensive. For this reason, i.e. to protect one’s finances against cancer-related expenses, it is advisable to have a dedicated cancer insurance policy in place. Activ Secure - Cancer Secure by Aditya Birla Health Insurance is designed to provide financial security against cancer. With this product, an individual can be assured of a lump sum pay-out on the diagnosis of early, major or advanced stage cancer.

About Aditya Birla Health Insurance: Aditya Birla Health Insurance is a JV between Indian multinational conglomerate Aditya Birla Group and South African-based financial services group MMI Holding Ltd. The health insurance company offers a range of insurance options that take care of various healthcare needs. Besides Cancer Secure, Aditya Birla Health Insurance offers Personal Accident cover, Critical Illness cover, Hospital Cash under its Activ Secure umbrella.

(Note - All the information listed on this page has been sourced from the official website of Aditya Birla Health Insurance.)

Features Of Aditya Birla Activ Secure - Cancer Plan

Cancer can strike anybody at any stage of life. Now, taking into consideration the rising number of cancer cases, it is best to be prepared well in advance. Having cancer insurance is the best way to plan for such contingencies. Activ Secure - Cancer Secure by Aditya Birla Health Insurance is designed to provide financial coverage against the high cost of cancer treatment. With this plan, one can get:

  • Pay-outs on the basis of different cancer stages: 50% of sum insured for early, 100% of sum insured for major and 150% of sum insured for advanced stage of cancer.
  • Additional pay-out of 100% on diagnosis of major or advanced stage cancer. This is despite claiming the 50% pay-out for early-stage cancer, thereby making it a total pay-out of 150% of sum insured.
  • Cumulative bonus of 10%, up to a maximum of 100% of the coverage amount.
  • Short survival period requirement of 7 days after the date of diagnosis.
  • Option to select a wellness coach who will provide personalized health advice.
  • Premium paid towards the cancer health insurance plan is eligible for tax benefits under Section 80D of the Income Tax Act, 1961.

Benefits of Aditya Birla Activ Secure - Cancer Plan

The Key Advantages Of Activ Secure - Cancer Secure Are:

  • Protection against all three stages of cancer - early, major and advanced.
  • Up to 150% of the sum insured on detection of advanced stage of cancer.
  • Cumulative bonus, leading to enhanced protection every year.
  • Option to go for second e-opinion

Tax Benefits of Aditya Birla Activ Secure - Cancer Plan

Tax deduction can be claimed under Section 80D of the Income Tax Act, 1961, for premiums paid toward Activ Secure - Cancer Secure. For payments made for self, spouse, children and parents, the maximum deduction that can be claimed is Rs. 25,000 a year, provided the individual is not above 60 years of age. If the individual is a senior citizen, the maximum tax deduction is capped at Rs. 50,000

What is Covered in Aditya Birla Activ Secure - Cancer Plan?

The Following Instances Are Covered Under Activ Secure - Cancer Secure:

  • Minor - Through this plan, one can get covered for a minor stage of cancer and receive pay-out of 50% of the sum insured.
  • Major - The insured will get a pay-out of 100% of sum insured if cancer is detected at a major stage.
  • Advanced - One can get a pay-out of 150% of sum insured if cancer is detected at an advanced stage.

Eligibility Criteria for The Aditya Birla Activ Secure - Cancer Plan

The minimum age of enrolment is 18 years. There is no maximum limit on the age of entry.

Required Documents to Buy Aditya Birla Activ Secure - Cancer Plan

An individual will have to submit certain documents to avail Activ Secure - Cancer Plan of Aditya Birla Health Insurance. The documents include:

  • Identity Proof - PAN card, Aadhaar card, Passport, etc.
  • Address Proof - Aadhaar card, Passport, Driving license, etc.

How to make a claim on Aditya Birla Activ Secure - Cancer Plan and Documents Required for Claim

The insured has to submit the below documents within 30 days of occurrence of the event:

  • Filled-up claim form
  • Medical certificate that confirms the diagnosis of condition
  • Certificate confirming that the claim does not relate to pre-existing ailment or any illness or injury that was diagnosed within the first 90 days
  • Photocopy of indoor case papers, if applicable
  • Photocopy of first consultation letter and prescriptions
  • Specific documents, if any, as listed for the respective condition Once the company has received the required documents, the sum insured will be paid out within a few days.

Conclusion & Reviews


With Activ Secure – Cancer Secure, an individual can stay protected for all stages of cancer by getting an insurance cover of 150%. This unique cancer insurance plan pays out on early stage (50% of sum insured) major stage (100% of sum insured) and advanced stage (150% of sum insured). Proceeds from the policy can be utilized to cover the costs associated with cancer treatment, like hospitalization, radiation, chemotherapy and surgery.

Aditya Birla Activ Secure - Cancer Policy Reviews

“Cancer runs in my family, so I am aware of how costly cancer treatments can be. I chose Activ Secure – Cancer Secure after comparing it with the other cancer policies in the market. What got my attention was that this plan pays 150% of coverage amount on diagnosis of advanced stage. That really set it apart from the other policies” - Varun, Delhi

“I purchased Activ Secure – Cancer Secure on the recommendation of my friend. The whole process was very easy and this policy was issued to me very quickly. I found the premiums to be reasonable and the features were as per my requirements” - Mukesh, Ahmedabad