Aditya Birla Cancer Health Plan

Aditya Birla Cancer Secure At A Glance

Stages of Cancer covered under Aditya Birla Cancer Secure Plan

• Early Stage Cancer
  Insurance holders are covered on the diagnosis of early-stage cancer in organs like the breast, liver, uterus, stomach, lungs, and more. The plan also covers prostate cancer, thyroid cancer, chronic lymphocytic leukemia, and malignant melanoma that has not moved beyond the epidermis. A lump sum amount of 50% SI can be claimed.
• Major Stage Cancer
  Diseases covered are malignant tumors or cancer of specified severity, and the insured can claim 100% of SI when diagnosed with major-stage cancer.
• Advance Stage Cancer
  In case of a diagnosis of Stage IV malignant tumors with distant metastasis, the individual can claim 150% of the Sum Insured.
• Critical Illness Cover
  Under the plan, individuals are covered for cancer and other critical illnesses. If diagnosed with any of the 64 critical illnesses mentioned in the policy schedule, the plan offers up to 100% of the Sum Insured.

Benefits of Aditya Birla Cancer Secure Plan

The plan offers a plethora of benefits:

• Education Benefit
  In case of accidental death or permanent total disability, a lump sum amount is payable for the education of surviving dependent children.
• Optional Benefits
  Optional benefits include a wellness coach and e-opinions. The Wellness Coach provides consultation with a dedicated health coach. A second e-opinion is available if diagnosed with a critical illness.
• Short Survival Period
  The plan has a short survival period of 7 days post-diagnosis. After fulfilling this period, policyholders can claim the lump sum amount.
• No Claim Bonus
  A no-claim bonus of 10% is available for every claim-free year, up to 100% of the sum insured. In case of a claim, the bonus is reduced by 5%.
• Protection Against All Cancer Stages
  The plan provides protection against all 3 stages of cancer with fixed payouts as per the diagnosis.

Claim Process of Aditya Birla Cancer Secure

To avail of claim settlement services, follow the process below:

Cashless Claim Process

• Intimate the provider for emergency hospitalization within 48 hours and for planned hospitalization 3 days prior.
• Submit your policy number and identification proof.
• Verification of documents and claim requests will be done by the insurer, after which the claim is settled.

Reimbursement Claim Process

• Intimate the provider for emergency hospitalization within 48 hours and for planned hospitalization 3 days prior.
• Submit all necessary documents such as identity proof, hospital bills, and doctor’s prescription.
• Once the insurer receives the documents, they will verify and settle the claim.

In A Nutshell

The Aditya Birla Activ Secure Cancer Secure health insurance plan is beneficial for individuals with a family history of cancer. It covers all three major stages of cancer and includes coverage for critical illnesses and personal accidents. The plan offers coverage for cancer-associated treatments such as hospitalization, chemotherapy, surgery, and radiation.