Aditya Birla Activ Secure Critical Illness Health Insurance Plan
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Aditya Birla Activ Secure Critical Illness Plan

A plan designed to cover your financial losses due to treatment for cr ...Read More

Up to 1 Cr
Sum insured
1
No. of plans
4800+
Pan India presence
96%
Claim settlement ratio
📄 Download brochure
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,701 reviews
🏥 12,900+ hospitals
📊 1.88 solvency ratio
✅ 96% claim settlement

A plan designed to cover your financial losses due to treatment for critical illness.

Why do we recommend this?
  • The plan offers wide coverage with up to 64 listed critical illnesses.
  • The sum insured is up to 1 Crore.
  • It comes in three different variants - Plans 1, 2, & 3, with specific coverage options discussed further in this article.

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
₹1 L, ₹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
  • Replace 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

A quick look at what this plan covers — and what it doesn't.

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

Aditya Birla Health Insurance

All that you need to know about Aditya Birla Health Insurance!

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.

Delhi Mumbai Bengaluru Chennai Kolkata Hyderabad Pune Ahmedabad Jaipur Lucknow

Know More About Network Hospitals →

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Min-: 5 years
  • Max-: 65 years

Frequently Asked Questions

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 One is a comprehensive health insurance plan that combines medical coverage with

Explore Aditya Birla Health Insurance

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Naval Goel — Founder & CEO, PolicyX.com Reviewed by Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 1 Jun 2026 · Originally published: 16 Oct 2024

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