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.
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.
The Benefits Of This Plan Are:
| Plan 1 Sum Insured | Plan 2 Sum Insured | 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 |
| 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 Days | Initial Waiting Period - 90 Days | Initial 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) - Yes | Second E Opinion (Optional Cover) - Yes | Second E Opinion (Optional Cover) - Yes |
| Wellness Coach (Optional Cover) - Yes | Wellness Coach (Optional Cover) - Yes | Wellness 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.
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.
| Age | Minimum entry age - Plan 1 & 2: 5 years | Plan 3: 18 years Maximum entry age - 65 years |
| Tenure | 1,2,3 years |
| Relationships Covered | Self, 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
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)
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.
