I already have regular health insurance. Why should I buy a separate specialized Cancer Cover plan?

Standard health insurance policies only cover actual hospital bills and are often plagued by room rent caps or specific sub-limits. Cancer treatments, however, go far beyond a standard hospital stay. They involve massive, ongoing outpatient expenses like prolonged chemotherapy, targeted radiation, and expensive biological drugs.The Activ Cancer Secure Plan is a highly specialized policy designed to cover all stages of cancer. It steps in to provide extensive financial support—offering options for both actual medical cost reimbursement and lump-sum payouts—so your family doesn't have to drain their lifetime savings to afford cutting-edge oncology care.

Does this plan cover advanced modern cancer treatments?

Yes, fully. Oncology has advanced rapidly, and the most effective treatments are often high-tech and expensive. This plan provides dedicated coverage for advanced, precision procedures, including:Targeted Therapy and ImmunotherapyProton Beam TherapyRobotic SurgeriesBone Marrow Transplants

What stages of cancer are covered under this policy?

The policy provides comprehensive financial protection across all stages of cancer, from early-stage micro-carcinomas or carcinoma-in-situ to major, advanced, and metastatic stages. The payout or reimbursement structure adjusts based on the severity of the diagnosis to ensure you have the required cash flow at every step of your recovery.

What are the critical waiting periods I need to keep in mind?

To keep premium costs stable and sustainable for everyone, the plan implements clear timelines:Initial Waiting Period: 30 days. Any cancer diagnosed within the first 30 days of purchasing the policy cannot be claimed.Pre-Existing Disease (PED) Waiting Period: 48 months (4 years) of continuous policy renewals are required before any pre-existing health conditions are eligible for coverage.Note: A pre-existing history of cancer diagnosed before buying the policy is entirely excluded from coverage.

Can I use alternative treatments like Ayurveda for my recovery?

Yes. The plan includes coverage for AYUSH treatments (Ayurveda, Yoga, Unani, Siddha, and Homeopathy). If you choose to complement your recovery or manage side effects using holistic alternative care, the medical expenses are covered, provided the treatments are taken at an accredited healthcare facility or a government-recognized hospital.

Are there any notable exclusions regarding how the cancer was caused?

Yes. The plan focuses on unpredictable cancer developments. It explicitly excludes pre-existing cancer conditions present before the policy started, cancers arising from congenital or genetic disorders, and illnesses caused by exposure to nuclear, chemical, or biological materials. Additionally, any cancer linked directly to long-term alcohol, drug abuse, or tobacco consumption may be rejected.

OneAssure

Health Insurance

Aditya Birla

Cancer Cover Activ Cancer Secure Plan

Aditya Birla Activ Cancer Secure 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

7

Customer Rating

Policy Brochure

Get a Quote

96%

Claim Settlement Ratio

11000+

Network Hospitals

7

Customer Rating

Policy Brochure

Our Verdict

Expert Review: Aditya Birla Cancer Cover Activ Cancer Secure Plan

Final Verdict

The Cancer Cover Plan offers comprehensive financial support for all cancer stages, with valuable add-ons like income benefit and home care. It's ideal for those seeking specialized protection and peace of mind against the high costs of cancer treatment.

About

About Aditya Birla Cancer Cover Activ Cancer Secure Plan

The Cancer Cover Plan is a specialized health insurance policy designed to provide financial support for cancer diagnosis and treatment. It offers comprehensive coverage for all stages of cancer, including hospitalization, chemotherapy, radiation, and advanced treatments. The plan provides a lump sum payout or reimbursement for medical expenses, ensuring access to quality care without financial strain. With flexible sum insured options, no-claim benefits, and lifelong renewability, this policy helps patients and their families manage treatment costs effectively while focusing on recovery.

The Cancer Cover Plan is a specialized health insurance policy designed to provide financial support for cancer diagnosis and treatment. It offers comprehensive coverage for all stages of cancer, including hospitalization, chemotherapy, radiation, and advanced treatments. The plan provides a lump sum payout or reimbursement for medical expenses, ensuring access to quality care without financial strain. With flexible sum insured options, no-claim benefits, and lifelong renewability, this policy helps patients and their families manage treatment...

Activ Cancer Secure Plan Ratings

Ratings: Aditya Birla Activ Cancer Secure Plan

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 Cancer Cover Activ Cancer Secure Plan

Room Rent

Normal Room Rent: Covered up to a specified limit or as per policy terms.
ICU Charges: Covered up to a defined limit or as per actuals, depending on the plan.

Advanced Treatments

The plan covers Targeted Therapy, Immunotherapy, Proton Therapy, Robotic Surgery, and Bone Marrow Transplant, ensuring advanced cancer treatments with precision, faster recovery, and financial support for critical procedures like radiation, immune-boosting, and transplants.

Co-payment

Copayment percentage varies based on age, sum insured, and treatment type.

Cashless Healthcare Providers

24800+ network hospitals

Waiting Period

Initial Waiting Period: 30 days from policy inception, except for accidental claims.
Specific Disease Waiting Period: Certain illnesses may have a waiting period of 24 months.
Pre-Existing Disease Waiting Period: Coverage for pre-existing conditions begins after 48 months from policy start.

Daycare Treatment

Covered under the policy

AYUSH Treatment

AYUSH treatment covered under this policy

Room Rent

Normal Room Rent: Covered up to a specified limit or as per policy terms.
ICU Charges: Covered up to a defined limit or as per actuals, depending on the plan.

Advanced Treatments

The plan covers Targeted Therapy, Immunotherapy, Proton Therapy, Robotic Surgery, and Bone Marrow Transplant, ensuring advanced cancer treatments with precision, faster recovery, and financial support for critical procedures like radiation, immune-boosting, and transplants.

Co-payment

Copayment percentage varies based on age, sum insured, and treatment type.

Exclusions

Pre-existing cancer conditions diagnosed before policy inception are not covered.
Cancer caused by congenital diseases or genetic disorders is excluded.
Any cancer arising due to nuclear, biological, or chemical exposure is not covered.
Non-melanoma skin cancer, unless specified, may not be covered.
Cancer resulting from alcohol, drug abuse, or tobacco consumption may be excluded.

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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...