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
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🛡️ IRDAI Approved
⭐ 4.4/5 · 2,701 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 critical illness. The plan offers wide coverage with up to 64 listed critical illnesses, compensating for income loss during treatment. This not only prevents financial strain but also supports your family during tough times.

The plan's USPs include a sum insured of up to 1 Crore, providing financial help for major surgeries and therapeutic procedures. The plan offers a lump sum payout on detecting a critical illness or 150% of the total sum insured for two or more critical illnesses. The critical illness cover has a short survival period of 15 days if diagnosed initially with any covered illness. Additionally, the plan has three variants - Plans 1, 2, & 3, with specific coverage options discussed further in this article.

Additional benefits include coverage for an optional wellness coach and a second e-consultation service for individuals diagnosed with a critical illness. You can purchase this plan on an individual or family floater basis, covering self, spouse, up to 4 children, 2 parents, and 2 parents-in-law. The sum insured ranges from INR 1 Lakh to 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
₹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

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

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

Benefits of Buying Activ Secure Critical Illness Health Insurance Plan

Features and benefits of this plan:

  • Critical illness coverage

    Covers up to 64 types of critical illnesses, including extensive surgical procedures and severe treatments, with a maximum sum insured of INR 1 Crore.

  • Assured lump sum payout

    Policyholders can receive up to 150% of the sum insured as a lump sum payout upon diagnosis of one or more critical illnesses, supporting medical and financial needs.

  • Short survival period

    Policy benefits are available within a short survival period of 15 days if initially diagnosed with a critical illness.

  • Wellness coaching

    Provides regular wellness coaching for continued health benefits and recovery tracking post-diagnosis.

  • Tax benefits

    Premiums paid towards the 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.

Delhi Mumbai Bengaluru Chennai Kolkata Hyderabad Pune Ahmedabad Jaipur Lucknow

Know More About Network Hospitals →

Inclusions & exclusions

What the plan pays for, and what it doesn't.

Exclusions

  • Cosmetic/beautification treatment
  • HIV/AIDS, and STD conditions
  • Attempted suicide or self-harm
  • Diagnostic tests (except those specified in your policy document)
  • War injuries, participation in riots/war-like situations
  • Hearing aids (unless specified in your policy documents)
  • Vision treatment, dental care, physiotherapy (except conditions mentioned in the policy)
  • Others, check 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 policy offers three plan variants: Plan 1, Plan 2, and Plan 3.

Specifications of the Activ Secure Critical Illness plan under Aditya Birla Health Insurance:

Plan VariantsPlan 1Plan 2Plan 3
Sum Insured1 – 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 Period90 Days90 Days90 days (List A diseases) / 180 days (List B diseases)
No. of Critical Illnesses Covered20 (including kidney failure, heart attack, cancer)50 (including TB, brain surgery, benign brain tumor)64 (including hysterectomy, angioplasty, pacemaker insertion surgery)
Claim and Payout100% SI on diagnosis for lump sum payout100% SI on diagnosis for lump sum payout100% 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)

The Main Storyline

Critical illness is unavoidable in today's world of pollution and stress. With the Aditya Birla Activ Secure plan, you receive a lump sum payout of INR 1 Lakh to 1 Crore upon diagnosis, preventing financial distress and providing medical and financial aid for recovery.

For more information, contact our customer care at 1-800-3450330 or visit the official website of PolicyX.

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 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: 14 Mar 2024 · Originally published: 16 Oct 2024

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