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 8000 network hospitals with sum insured up to ₹50 lakhs.

96

Claim Settlement Ratio

8000

Network Hospitals

8

Customer Rating

Get a Quote

96

Claim Settlement Ratio

8000

Network Hospitals

8

Customer Rating

Our Verdict

Expert Review: Aditya Birla Health Insurance

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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 Health Insurance

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...

Inclusions and Exclusions

Inclusions and Exclusions of Aditya Birla Insurance Company Limited

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.

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.

Cashless Healthcare Providers

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

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.

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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.
Any illness or injury caused due to war, terrorism, or nuclear exposure is not covered.
Cosmetic or aesthetic procedures, unless required due to an accident, are excluded.
Treatment for infertility, fertility procedures, or assisted reproductive techniques is 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 check-ups, and value-added wellness services to promote long-term health. Backed by 24/7 customer support, quick claim settlement, and a transparent service approach, Aditya Birla 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.