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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 DETAILS |
Adtiya Birla Activ Secure Critical Illness Plan |
Tata Aig Accident Guard Plan |
| Product Type | Critical Illness Health Insurance | Accident Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Covered | - |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | - |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Not Covered | - |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Not Covered | - |
| Post-hospitalization (Expenses after discharge from the hospital) |
Not Covered | - |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Not Covered | - |
| Hospital_network (Number of Hospital Network in city) |
12900 | 11000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Not Covered | - |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Covered | - |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | - |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | - |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | - |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Not Covered | - |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Covered | - |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Covered | - |
| Plan Entry Age | Min- 5 years, Max- 65 years | Minimum-18 years, Maximum- 65 years |
| Plan Premium Entry Age and S/A | 5,463 | NA |
| Plan Waiting Period | 90-180 Days | NA |
| Plan Coverage | In-patient hospitalization expenses, pre & post hospitalization (90/180 days), daycare treatments, domiciliary & home healthcare, mental illness & modern treatments | - |
| Plan Sample Premium | 5,463 | NA |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1 / 2 / 3 year | 1 Year |
| ICU Charges | Covered | - |
| Covid-19 Treatment | Covered | - |
| Cataract | Covered | - |
| Automatic Restoration | Not Covered | - |
| Ayush Treatment | Not Covered | - |
| Modern Treatment | Not Covered | - |
| E Consultation | Covered | - |
| Air Ambulance | Covered | - |
| Global Coverage | Covered | - |
| Claim Ratio | 96 | - |
| Solvency Ratio | 1.88 | 1.81 |
|
Aditya Birla Health Insurance |
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