Aditya Birla Activ Secure - Critical Illness

Critical Illness is categorized as an illness/disease which poses a serious risk to the life of an individual. It often leads to death if proper treatment is not taken at the right time. A critical illness can leave your financially drained and preventive measures against any form of critical illness is a must. In order to cater to this issue, Aditya Birla Health Insurance has created the Activ Secure Critical Illness Plan.

This is a comprehensive plan which provides compensation for the loss of income and medical treatment expenses in case you are diagnosed with a critical illness. With Activ Secure, you get protection from 64 critical illnesses.

Note: All information has been sourced from the official website of Aditya Birla Health Insurance Company Limited.

Features of Aditya Birla Activ Secure - Critical Illness

The Features Of This Plan Are:You have the flexibility to select three options under this plan:

  • Base level protection - 20 critical illnesses covered (Including all major illnesses like cancer, heart attack, kidney failure).
  • Comprehensive Protection - 50 major critical illnesses covered (All 20 diseases of Plan 1 plus others like brain surgery, benign brain tumour, TB).
  • Complete all round protection - 64 major critical illnesses covered (All 50 diseases of Plan 2 plus additional illnesses and procedures like angioplasty, pacemaker insertion and hysterectomy).
  • You get a payout of maximum 150% of the sum insured for more than one Critical Illness under the comprehensive plan.

Benefits of Aditya Birla Activ Secure - Critical Illness

The Benefits Of This Plan Are:

Plan 1 Sum InsuredPlan 2 Sum InsuredPlan 3 Sum Insured
1 – 10 lakhs (in multiples of 1 lakh) 15 – 25 lakhs (in multiples of 5 lakhs) 30 – 50 lakhs (in multiples of 10 lakhs) 1 crore1 – 10 lakhs (in multiples of 1 lakh) 15 – 25 lakhs (in multiples of 5 lakhs) 30 – 50 lakhs (in multiples of 10 lakhs) 1 crore5 – 10 lakhs (in multiples of 1 lakh) 15 – 25 lakhs (in multiples of 5 lakhs) 30 – 50 lakhs (in multiples of 10 lakhs) 1 crore
Critical Illness Cover - 20 Critical Illnesses Covered (100% sum insured)Critical Illness Cover - 50 Critical Illnesses Covered (100% sum insured)Critical Illness Cover - 64 Critical Illnesses (100% sum insured for List A) (50% sum insured maximum 10 Lakhs for List B)
Initial Waiting Period - 90 DaysInitial Waiting Period - 90 DaysInitial Waiting Period - 90 days (List A) / 180 days (List B)
Survival Period - 15 Days Survival Period - 15 Days Survival Period - 15 Days
Second E Opinion (Optional Cover) - YesSecond E Opinion (Optional Cover) - YesSecond E Opinion (Optional Cover) - Yes
Wellness Coach (Optional Cover) - YesWellness Coach (Optional Cover) - YesWellness Coach (Optional Cover) - Yes

Tax Benefits under Aditya Birla Activ Secure - Critical Illness

Under this plan, you can claim tax deductions as mentioned in Section 80D of the Income Tax Act, 1961.

What is not covered in Aditya Birla Activ Secure - Critical Illness?

Any claims arising out of the following claims are not covered in Aditya Activ Secure - Critical Illness.

  • Sexually transmitted disease or HIV/ AIDS.
  • Influence of intoxicating liquor or drugs.
  • Suicide or attempted suicide, intentional self-injury.
  • Congenital external diseases, defects or anomalies.
  • Insured person committing any breach of law.

Eligibility Criteria for Aditya Birla Activ Secure - Critical Illness

AgeMinimum entry age - Plan 1 & 2: 5 years | Plan 3: 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 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

Documents required to buy Aditya Birla Activ Secure - Critical Illness

The Following Documents Are Required To Buy This policy-

  • Application/Proposal Form
  • KYC - Proof of ID and Address
  • Medical check-up report, if required.

How to make a claim under Aditya Birla Activ Secure - Critical Illness & documents required for claim?

Post diagnosis, you simply need to intimate the insurer within 7 days and submit claim documents within 30 days.The Documents Required For Filing A Claim:

  • Completed claim form
  • Medical certificate confirming Critical Illness.
  • Certificate confirming that the claim doesn’t relate to Pre-Existing Disease or any Illness/ Injury which was diagnosed within the first 90 days.
  • Photocopy of indoor case papers (if applicable).
  • FIR copy or medico legal certificate - in accidental cases only.
  • Specific documents (if any)

Conclusion & Review

Conclusion

If you have a family history of specific life threatening diseases such as cancer, this plan is an ideal option for protection.

Review of Aditya Birla Activ Secure - Critical Illness

A critical illness not only affects your health, but also your family, income, mental health and a lot more. This plan is specially designed to safeguard your future as it provides lump sum payment, in case you are diagnosed with a critical illness.