Aditya Birla Health Insurance’S Activ Secure - Critical Illness Plan 3
96
Claim Settlement Ratio
8000
Network Hospitals
8.1
Customer Rating
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Get a Quote
96
Claim Settlement Ratio
8000
Network Hospitals
8.1
Customer Rating
Our Verdict
Expert Review: Aditya Birla Health Insurance
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Final Verdict
About
About Aditya Birla Health Insurance
Inclusions and Exclusions
Inclusions and Exclusions of Aditya Birla Insurance Company Limited
Room Rent
Normal: Covered up to Sum Insured
ICU: Covered up to Sum Insured
Advanced Treatments
Uterine Artery Embolization and HIFU (High intensity focused ultrasound)
Balloon Sinuplasty
Deep Brain stimulation d. Oral chemotherapy
Immunotherapy - Monoclonal Antibody to be given as injection
Intra vitreal injections
Robotic surgeries
Stereotactic radio surgeries
Bronchical Thermoplasty
Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)
IONM - (Intra Operative Neuro Monitoring)
Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered up to sum insured.
Co-payment
No co-payment required; the policy covers eligible medical expenses up to the sum insured without additional out-of-pocket expenses.
Waiting Period
Initial waiting period of 90 to 180 days for all illnesses, excluding accidents.
Specific treatments have a 24-month waiting period.
Pre-existing diseases are covered after 36 months.
Cashless Healthcare Providers
Access to an extensive network of over 10,000 cashless healthcare providers across India.
Daycare Treatment
Covers all day care procedures requiring hospitalization for less than 24 hours, including surgeries and advanced treatments, up to the sum insured.
AYUSH Treatment
Expenses for alternative treatments under Ayurveda, Yoga, Unani, Siddha, and Homeopathy are covered up to the sum insured, promoting holistic healthcare options.
Room Rent
Normal: Covered up to Sum Insured
ICU: Covered up to Sum Insured
Advanced Treatments
Uterine Artery Embolization and HIFU (High intensity focused ultrasound)
Balloon Sinuplasty
Deep Brain stimulation d. Oral chemotherapy
Immunotherapy - Monoclonal Antibody to be given as injection
Intra vitreal injections
Robotic surgeries
Stereotactic radio surgeries
Bronchical Thermoplasty
Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)
IONM - (Intra Operative Neuro Monitoring)
Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered up to sum insured.
Co-payment
No co-payment required; the policy covers eligible medical expenses up to the sum insured without additional out-of-pocket expenses.
Exclusions
Pre-existing diseases not covered during the waiting period.
Injuries or illnesses due to self-inflicted harm, suicide attempts, or substance abuse.
Cosmetic or plastic surgery unless required due to an accident or medical necessity.
Treatment for infertility, sterility, or birth control procedures.
Expenses related to experimental or unproven medical treatments.
Any injury or illness caused by participation in hazardous activities or adventure sports.
Medical expenses incurred outside India unless specifically covered in the policy.
Treatment of HIV/AIDS and other sexually transmitted diseases unless specified in the policy.
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