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Aditya Birla Group Health Insurance
Aditya Birla Group health insurance offers options like Aditya Birla Group Activ Health, Activ Secure, and Activ Travel. Group health insur…
- 92.97% claim settlement ratio
- Day 1 coverage
- Up to 30% health returns
Aditya Birla Health Insurance
Aditya Birla Activ Secure Critical Illness Plan
A plan designed to cover your financial losses due to treatment for a ...Read More
Up to 1 Cr
Sum insured
1
No. of plans
4800+
Pan India presence
96%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,707 reviews
🏥 12,900+ hospitals
📊 1.88 solvency ratio
✅ 96% claim settlement
About Aditya Birla Activ Secure Critical Illness Plan
A quick read on what this Aditya Birla Health Insurance plan covers and why it might be a fit for you.
Aditya Birla Activ Secure Critical Illness Plan is designed to cover your financial losses due to treatment for a critical illness. The plan offers wide coverage with up to 64 listed critical illnesses, compensating for income loss during your treatment period. This helps protect you and your family from financial strain during challenging times of physical and emotional distress.
A key feature of this plan is the sum insured of up to INR 1 Crore, providing substantial financial assistance for major surgical operations and extensive therapeutic procedures. The Aditya Birla Activ Secure Critical Illness insurance provides a lump sum payout upon diagnosis of a critical illness, or 150% of the total sum insured as a lump sum payout upon diagnosis of two or more critical illnesses. The critical illness cover includes a short survival period of 15 days if initially diagnosed with any of the covered illnesses. Additionally, this plan has three different variants - Plans 1, 2, & 3, with specific coverage options, which will be discussed further in this article.
Beyond this, you also get coverage for an optional wellness coach and a second e-consultation service for individuals diagnosed with a critical illness. You can buy this plan on an individual or family floater basis. A family floater policy under this plan can cover the policyholder, spouse, up to 4 children, 2 parents, and 2 parents-in-law. The sum insured for the Activ Secure Critical Illness Health Insurance Plan ranges from INR 1 Lakh to INR 1 Crore.
Plan at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
Min- 5 years, Max- 65 years
Plan type
Critical Illness Health Insurance
Sum insured options
₹10 L, ₹25 L, ₹50 L, ₹80 L, ₹1 L
Waiting period
90-180 Days
Renewability
Lifelong
Policy term
1 / 2 / 3 year
*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
Pros & cons
A quick honest summary — the strengths and the trade-offs.
Pros
- 64 Critical Illnesses Covered
- Replaces Loss of Income
- Short Survival Period
Cons
- Does not cover maternity
- Does not cover any congenital illness
- Does not cover any evaluation purposes
What's covered
Every CMS-driven coverage flag from the plan wording — only items with a published value render below.
Hospitalization
- Room rent Covered
- ICU charges Covered
- Pre-hospitalization Not covered
- Post-hospitalization Not covered
- Domiciliary hospitalization Not covered
- Day-care treatment Not covered
- OPD charges Covered
- Covid-19 treatment Covered
- Cataract Covered
Bonuses & restoration
- No-claim bonus Covered
- Automatic restoration of SI Not covered
- Daily hospital cash Covered
Family & special care
- Maternity cover Not covered
- New-born baby cover Not covered
- IVF treatment Not covered
- AYUSH treatment Not covered
- Organ donor expenses Not covered
Modern & preventive care
- Modern treatment Not covered
- Road ambulance Covered
- Air ambulance Covered
- E-consultation Covered
- Health check-up Not covered
- Second medical opinion Covered
- Vaccination Not covered
Conditions & global
- Co-payment Covered
- Sub-limits Covered
- Compassionate travel Covered
- Global coverage Covered
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.
Aditya Birla Health Insurance
All that you need to know about Aditya Birla Health Insurance!
Benefits of Buying Activ Secure Critical Illness Health Insurance Plan
Here are the features and benefits of this plan:
-
Critical Illness Coverage
This plan covers up to 64 types of critical illnesses that may involve extensive surgical procedures and severe treatment. All these critical illnesses are covered up to INR 1 Crore of the sum insured.
-
Lump Sum Payout
The policyholder can receive a lump sum payout of up to 150% of the sum insured upon diagnosis of one or more critical illnesses. This provides medical and financial support for your treatment procedures.
-
Short Survival Period
If the policyholder is initially diagnosed with a critical illness, they can avail the policy benefits within a short survival period of just 15 days.
-
Wellness Coaching
The plan provides access to regular wellness coaches for continued health benefits, helping track your recovery post-diagnosis.
-
Tax Benefits
All premiums paid towards the Aditya Birla Activ Secure Critical Illness Policy are eligible for tax benefits under Section 80D of the Income Tax Act.
Aditya Birla Health Insurance Network Hospital List
Aditya Birla Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Aditya Birla Health Insurance ensures that you are medically secured, irrespective of the city you reside in.
Inclusions & exclusions
What the plan pays for, and what it doesn't.
Exclusions
- Cosmetic/beautification treatments
- HIV/AIDS and STD conditions
- Attempted suicide or self-inflicted injury
- Diagnostic tests (unless specified in the policy document)
- War injuries, participation in riots or war-like situations
- Hearing aids (unless specified in the policy document)
- Vision treatment, dental care, physiotherapy (unless specified in the policy)
- For other exclusions, please refer to the detailed terms and conditions, inclusions & exclusions in the policy documents provided by the company.
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Min-: 5 years
- Max-: 65 years
Other features & benefits
Choose Your Activ Secure Critical Illness Health Insurance Plan
This health insurance policy comes with three different plan variants, with specifications detailed below: Plan 1, Plan 2, and Plan 3.
Here are the specifications of the Activ Secure Critical Illness Plan under Aditya Birla Health Insurance:
| Plan Variants | Plan 1 | Plan 2 | Plan 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 crore |
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 crore |
5 – 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 |
| Waiting Period | 90 Days | 90 Days | 90 days (List A diseases) / 180 days (List B diseases) |
| No. of Critical Illnesses Covered | 20 (including kidney failure, heart attack, cancer) | 50 (including TB, brain surgery, benign brain tumour) | 64 (including hysterectomy, angioplasty, pacemaker insertion surgery) |
| Claim and Payout | 100% SI on diagnosis for lump sum payout | 100% SI on diagnosis for lump sum payout | 100% SI on diagnosis for lump sum payout (For List A critical illnesses) 50% SI or INR 10 Lakhs (whichever is less) on diagnosis (For List B critical illnesses) |
Understanding Critical Illness Coverage
In today's environment, critical illnesses are a growing concern due to factors like pollution and stress. With the Aditya Birla Activ Secure Critical Illness Plan, you can receive an upfront lump sum payout ranging from INR 1 Lakh to INR 1 Crore upon the diagnosis of a critical illness. This helps alleviate the financial burden of severe treatments, providing you with essential medical and financial aid for a faster and better recovery.
For more information, please contact our customer care executives at 1-800-3450330 or visit the official PolicyX website.
Aditya Birla Activ Secure Critical Illness Plan: FAQs
The 5 most-asked questions about Aditya Birla Activ Secure Critical Illness Plan, answered.
Yes, you can buy this plan on an individual or a family floater basis, under which all the members in the policy get coverage for up to 64 critical illnesses.
Yes, it’s always a wise decision to choose high-sum insured plans for critical illness. These ailments can lead you to total financial burnout.
This plan is best for those who have a family history of critical illnesses or who have the risk of getting a critical illness in the later stages of their life.
More than 64 critical illnesses including heart attack, tuberculosis, kidney transplant, stroke, heart surgery, angioplasty, brain tumour, etc are covered under this plan.
Sexually Transmitted Diseases (STDs), HIV. AIDS, dental or beautification surgeries or any kind of voluntary operations (that’s not recommended by a doctor) is not covered.
Conclusion
Aditya Birla Activ Secure Critical Illness Plan is a comprehensive health insurance solution designe
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