How does the waiting period affect my coverage?

A 30-day waiting period applies initially, while pre-existing conditions and specified illnesses have waiting periods of up to 48 months.

What if I don’t use my health insurance benefits for the entire year?

If no claims are made, you may receive a No Claim Bonus, increasing your sum insured without extra premium costs.

Does the plan cover treatment abroad?

The plan primarily covers treatment within India, but optional add-ons may offer limited coverage for medical emergencies abroad.

OneAssure

Health Insurance

Aditya Birla

Activ Secure Critical Illness Plan One

Aditya Birla Activ Secure Critical Illness Plan

Experience India's most trusted health insurance with Aditya Birla Health Insurance. Get instant cashless treatment at 11000 network hospitals with sum insured up to ₹50 lakhs.

96%

Claim Settlement Ratio

11000+

Network Hospitals

8

Customer Rating

Policy Brochure

Get a Quote

96%

Claim Settlement Ratio

11000+

Network Hospitals

8

Customer Rating

Policy Brochure

Our Verdict

Expert Review: Aditya Birla Activ Secure Critical Illness Plan One

Final Verdict

The Aditya Birla Activ Secure - Critical Illness Plan 1 offers strong financial protection against critical illnesses with additional benefits like second opinions and wellness support. Ideal for individuals seeking comprehensive critical illness coverage.

About

About Aditya Birla Activ Secure Critical Illness Plan One

Aditya Birla Health Insurance’s Activ Secure - Critical Illness Plan 1 offers financial protection against life-threatening diseases by providing a lump sum payout upon diagnosis of any covered critical illness. The plan covers a wide range of conditions, including cancer, heart attack, and kidney failure, ensuring policyholders can manage medical expenses without financial strain. It also includes wellness benefits, second medical opinion services, and optional add-ons for enhanced coverage. This plan helps secure your financial stability during medical crises.

Aditya Birla Health Insurance’s Activ Secure - Critical Illness Plan 1 offers financial protection against life-threatening diseases by providing a lump sum payout upon diagnosis of any covered critical illness. The plan covers a wide range of conditions, including cancer, heart attack, and kidney failure, ensuring policyholders can manage medical expenses without financial strain. It also includes wellness benefits, second medical opinion services, and optional add-ons for enhanced coverage. This plan helps secure your financial...

One Ratings

Ratings: Aditya Birla One

Insurer Rating

8.21

out of 10

Insurance Rating

3.5

out of 10

No Room Rent Limit

Yes

Consumables Covered

No

No Co-payment

Yes

Loyalty Bonus >= 500%

No

No Disease Sublimits

No

Unlimited Restoration

No

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

No

Maternity Available

No

Waiting Period Waiver

No

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

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Inclusions and Exclusions

Inclusions and Exclusions of Aditya Birla Activ Secure Critical Illness Plan One

Room Rent

This policy includes room rent coverage, offering a single private room for normal hospitalization and no cap on ICU stays.

Advanced Treatments

Covers advanced treatments, including robotic surgeries, stem cell therapy (for approved conditions), targeted cancer therapy, organ transplant procedures, and specialized cardiac treatments, ensuring access to modern and high-cost medical care.

Co-payment

The Aditya Birla Health Insurance Activ Secure - Critical Illness Plan 1 is a fixed-benefit plan, meaning it provides a lump sum payout upon diagnosis of a covered critical illness. Since it is not an indemnity-based plan that reimburses hospitalization expenses, it does not have a co-payment clause.

Cashless Healthcare Providers

The plan provides access to over 11,000 network hospitals across India, offering cashless treatment facilities.

Waiting Period

Initial Waiting Period: 90 days from the policy start date, during which no claims are payable.
Survival Period: 30 days post-diagnosis of a covered critical illness before the lump sum benefit is paid.
Pre-existing Disease Waiting Period: 48 months for pre-existing conditions before they are covered under the policy.

Daycare Treatment

Covered under this plan.

AYUSH Treatment

AYUSH treatment covered under this policy

Room Rent

This policy includes room rent coverage, offering a single private room for normal hospitalization and no cap on ICU stays.

Advanced Treatments

Covers advanced treatments, including robotic surgeries, stem cell therapy (for approved conditions), targeted cancer therapy, organ transplant procedures, and specialized cardiac treatments, ensuring access to modern and high-cost medical care.

Co-payment

The Aditya Birla Health Insurance Activ Secure - Critical Illness Plan 1 is a fixed-benefit plan, meaning it provides a lump sum payout upon diagnosis of a covered critical illness. Since it is not an indemnity-based plan that reimburses hospitalization expenses, it does not have a co-payment clause.

Exclusions

Pre-existing diseases are not covered until the completion of the specified waiting period.
Illnesses or conditions arising within the initial 90-day waiting period are excluded.
Self-inflicted injuries, suicide attempts, or harm due to substance abuse are not covered.
Treatments related to congenital diseases or birth defects are excluded.
Medical expenses for conditions arising from participation in hazardous activities or adventure sports are not covered.

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About the company

Aditya Birla Health Insurance, part of the Aditya Birla Capital Group, is among India’s most reliable and customer-centric health insurers. The company aims to go beyond basic protection by focusing on preventive healthcare, wellness programs, and rewards for maintaining a healthy lifestyle. It provides a wide range of health plans for individuals, families, and senior citizens, offering flexible sum insured options and comprehensive benefits. With a strong network of over 8,000 hospitals across India, Aditya Birla ensures easy access to quality medical care through a smooth cashless claim process. The insurer also offers features like chronic care management, annual health...

Aditya Birla Health Insurance, part of the Aditya Birla Capital Group, is among India’s most reliable and customer-centric health insurers. The company aims to go beyond basic protection by focusing on preventive healthcare, wellness programs, and rewards for maintaining a healthy lifestyle. It provides a wide range of health plans for individuals, families, and senior citizens, offering flexible sum insured options and comprehensive benefits. With a strong network of over 8,000 hospitals across India, Aditya...

FAQs

Frequently Asked Questions

Got questions about health insurance? You’re not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.