Question 1

What is the minimum and maximum entry age for Activ Secure Critical Illness Plan by Aditya Birla Health Insurance?

Accepted Answer

The minimum entry age varies by variant: some plans start from age 5 or 18 years, while the maximum entry age is 65 years. Eligibility also depends on the specific plan option selected.

Question 2

Till what age can my child stay covered under Activ Secure Critical Illness Plan?

Accepted Answer

Dependent children can stay covered under the plan up to the maximum entry age limit, provided they are listed as insured members under the same policy and meet the eligibility criteria.

Question 3

Are unmarried children eligible under Activ Secure Critical Illness Plan?

Accepted Answer

Yes, unmarried and dependent children are eligible for coverage under the critical illness plan when included under the same policy, subject to eligibility and plan terms.

Question 4

Can I add a new family member later under Activ Secure Critical Illness Plan?

Accepted Answer

You can usually add eligible family members at the time of policy renewal or within specified policy provisions, subject to underwriting and any applicable age or eligibility criteria.

Question 5

Can my spouse and children be covered under a single sum insured in Activ Secure Critical Illness Plan?

Accepted Answer

Yes, the plan can cover self, spouse, and eligible children under a single policy, though each member may receive individual sum insured or shared family benefits depending on the chosen structure.

Question 6

Can I cover my parents under Activ Secure Critical Illness Plan?

Accepted Answer

Yes, parents and parents-in‑law can be included as insured members, provided they meet age eligibility and underwriting requirements set by the plan.

Question 7

Can family members be added mid-term under Activ Secure Critical Illness Plan?

Accepted Answer

Adding members mid‑term is generally permitted during renewal periods or defined policy provisions, subject to underwriting approval and any age or eligibility constraints.

Question 8

What is the PED waiting period if I port to Activ Secure Critical Illness Plan from another insurer?

Accepted Answer

If you successfully port from another insurer, existing waiting periods served for pre‑existing conditions are usually recognised, reducing the remaining waiting time under this plan.

Question 9

Can I port my existing health policy to Activ Secure Critical Illness Plan by Aditya Birla Health Insurance?

Accepted Answer

Yes, you can port your existing health policy to this critical illness plan, retaining continuity benefits such as waiting period credits and premium considerations, subject to approval.

Question 10

What is the PED waiting period after porting into Activ Secure Critical Illness Plan?

Accepted Answer

After porting, any remaining pre‑existing condition waiting period is adjusted based on time already served under the previous policy to ensure continuity of coverage.

Question 11

What unique benefits does Activ Secure Critical Illness Plan by Aditya Birla Health Insurance offer compared to other policies?

Accepted Answer

This plan offers flexible coverage of 20, 50 or 64 critical illnesses, lump sum payouts up to ₹1 crore, second opinion and optional wellness support for comprehensive financial protection.

Question 12

Does Activ Secure Critical Illness Plan come with any disease‑wise sub‑limits?

Accepted Answer

The plan generally does not impose disease‑wise sub‑limits, as payouts are based on diagnosis of listed critical illnesses up to the chosen sum insured.

Question 13

Are room rent or ICU charges capped in Activ Secure Critical Illness Plan?

Accepted Answer

Not applicable, as the plan pays lump sum amounts upon diagnosis, rather than reimbursing hospitalisation expenses such as room rent or ICU charges.

Question 14

Is co‑payment compulsory or optional under Activ Secure Critical Illness Plan?

Accepted Answer

Co‑payment is not typically required for this plan, as lump sum benefits are paid without co‑payment deductions, subject to terms and conditions.

Question 15

Does Activ Secure Critical Illness Plan offer a No‑Claim Bonus (NCB)?

Accepted Answer

No, critical illness plans do not usually provide a No‑Claim Bonus, as they pay lump sum benefits on diagnosis rather than rewarding claim‑free years.

Question 16

Does Activ Secure Critical Illness Plan provide any loyalty bonus?

Accepted Answer

Loyalty bonuses are uncommon in critical illness plans; this product focuses on financial protection at diagnosis rather than loyalty‑based rewards for renewal.

Question 17

Are preventive health check‑ups included in all sum insured options under Activ Secure Critical Illness Plan?

Accepted Answer

Preventive health check‑ups are not standard under this plan, as its focus is on lump sum payouts for diagnosed critical illnesses rather than routine wellness coverage.

Question 18

Is there a grace period for renewing Activ Secure Critical Illness Plan after expiry?

Accepted Answer

Yes, a grace period is available after expiry, during which you can renew the policy without losing continuity of coverage benefits, subject to terms.

Question 19

What are the available sum insured options under Activ Secure Critical Illness Plan?

Accepted Answer

Sum insured options typically range up to ₹1 crore, providing flexibility to choose coverage limits that match your critical illness protection and financial planning needs.

Question 20

Does Activ Secure Critical Illness Plan offer maternity and newborn benefits?

Accepted Answer

No, this critical illness plan is designed to provide lump sum payouts on critical illness diagnosis and does not include maternity or newborn benefits as part of its core coverage.

Question 21

Are pregnancy-related complications covered under Activ Secure Critical Illness Plan?

Accepted Answer

Pregnancy-related complications are not covered under the critical illness benefit, as the plan specifically provides payouts only for listed critical illnesses defined in the policy schedule.

Question 22

Are daycare procedures covered in Activ Secure Critical Illness Plan?

Accepted Answer

The plan focuses on lump sum payouts on critical illness diagnosis rather than cost reimbursement for daycare procedures, so such expenses are not covered as primary benefits.

Question 23

Are pre- and post-hospitalization expenses covered under Activ Secure Critical Illness Plan, and for how many days?

Accepted Answer

This critical illness plan provides lump sum payouts and does not separately cover pre‑ or post‑hospitalisation expenses as defined in medical indemnity plans.

Question 24

Does Activ Secure Critical Illness Plan include OPD coverage?

Accepted Answer

No, the plan does not include routine OPD coverage, as its primary purpose is to provide financial protection through lump sum payouts upon critical illness diagnosis.

Question 25

Are room rent or ICU charges capped under Activ Secure Critical Illness Plan?

Accepted Answer

Room rent and ICU charges are not applicable in the traditional sense, as the plan pays a lump sum benefit on critical illness diagnosis instead of reimbursing hospitalisation costs.

Question 26

Is chemotherapy covered under Activ Secure Critical Illness Plan?

Accepted Answer

Yes, critical illnesses such as cancer are covered under the plan, and the policy pays a lump sum benefit on diagnosis, which can be used to cover chemotherapy and related expenses.

Question 27

Are lifestyle diseases like diabetes or hypertension covered from day 1 under Activ Secure Critical Illness Plan, or after a waiting period?

Accepted Answer

Coverage for specified critical illnesses begins after initial waiting periods; conditions related to lifestyle diseases may be included if they meet the defined critical illness criteria and waiting periods.

Question 28

Does Activ Secure Critical Illness Plan include mental health treatments or counselling?

Accepted Answer

No, mental health treatments and counselling are not covered as standalone benefits under this critical illness plan, as it is designed for lump sum payout on critical illness diagnosis.

Question 29

Does Activ Secure Critical Illness Plan cover AYUSH/alternative treatments?

Accepted Answer

This plan is focused on critical illness payouts and does not provide separate coverage for AYUSH or alternative treatment costs not defined within the critical illness list.

Question 30

Are diagnostic tests and pathology covered under Activ Secure Critical Illness Plan?

Accepted Answer

Diagnostic tests and pathology are not separately covered, as the plan provides lump sum payouts on diagnosis of covered critical illnesses rather than reimbursement for medical expenses.

Question 31

Is ambulance service covered under Activ Secure Critical Illness Plan, and what is the limit?

Accepted Answer

Ambulance services are not covered under this critical illness policy, as benefits are lump sum payouts on diagnosis rather than reimbursement for specific medical services.

Question 32

Is organ donor surgery covered under Activ Secure Critical Illness Plan?

Accepted Answer

Organ donor surgery is not covered under this plan, since the focus is on defined critical illness payouts and not specific surgical or treatment expenses.

Question 33

Are congenital conditions covered for children under Activ Secure Critical Illness Plan?

Accepted Answer

Congenital conditions may be excluded unless they fall under the defined list of critical illnesses covered by the plan, subject to waiting periods and policy definitions.

Question 34

Does Activ Secure Critical Illness Plan cover vaccinations for adults and children?

Accepted Answer

Vaccinations are not covered benefits under this critical illness plan, as it provides lump sum payouts based on critical illness diagnosis rather than routine healthcare services.

Question 35

Does Activ Secure Critical Illness Plan provide international coverage?

Accepted Answer

International coverage is not a standard feature, as the plan focuses on diagnosis of specified critical illnesses, with payouts typically applicable for events occurring within the defined geographic limits.

Question 36

Are occupational hazards or accident-related injuries covered under Activ Secure Critical Illness Plan?

Accepted Answer

Occupational hazards and accident injuries not defined as critical illnesses may not be covered; the plan pays only on diagnosis of listed critical illness conditions.

Question 37

Are cosmetic or plastic surgeries covered under Activ Secure Critical Illness Plan, and under what conditions?

Accepted Answer

Cosmetic or plastic surgery expenses are not covered, as the plan’s benefit is a lump sum payout on critical illness diagnosis, not expense reimbursement for elective procedures.

Question 38

Does Activ Secure Critical Illness Plan include chronic disease management support?

Accepted Answer

The plan may offer wellness coach or second opinion benefits, but it does not provide comprehensive chronic disease management like medical expense coverage or ongoing treatment support.

Question 39

Are wellness, fitness, or reward-based benefits included in Activ Secure Critical Illness Plan?

Accepted Answer

Yes, optional wellness coach guidance and second opinion benefits are available to support health and recovery, promoting a proactive approach to wellbeing post‑diagnosis.

Question 40

Does Activ Secure Critical Illness Plan provide any death benefit?

Accepted Answer

No, this plan does not provide a death benefit, as it is structured to provide lump sum payouts upon diagnosis of covered critical illnesses, not on death.

Question 41

What are PEDs, and when are they covered under Activ Secure Critical Illness Plan?

Accepted Answer

Pre‑existing diseases are conditions you had before buying the policy; coverage for them is subject to exclusions and waiting periods before benefits on critical illness diagnosis become payable.

Question 42

Is day‑1 PED coverage available under Activ Secure Critical Illness Plan?

Accepted Answer

Pre‑existing conditions are generally subject to waiting periods and are not covered from day one, unless specifically defined otherwise in policy terms for certain conditions.

Question 43

What is the waiting period for PEDs under Activ Secure Critical Illness Plan?

Accepted Answer

The standard waiting period for pre‑existing conditions is typically 36 months before those conditions become eligible for critical illness benefit payouts, subject to policy definitions.

Question 44

Does Aditya Birla Health Insurance offer top‑up or super top‑up options along with Activ Secure Critical Illness Plan?

Accepted Answer

Yes, you can enhance overall financial protection with separate top‑up or super top‑up plans alongside this critical illness plan to increase coverage for broader health needs.

Question 45

Does Activ Secure Critical Illness Plan offer cashless hospitalisation?

Accepted Answer

No, the plan does not include cashless hospitalisation benefits, as it pays lump sum amounts on critical illness diagnosis rather than reimbursing hospital treatment costs.

Question 46

How long does Aditya Birla Health Insurance take to approve cashless claims for Activ Secure Critical Illness Plan?

Accepted Answer

Cashless claim approvals are not applicable for this plan; claims are processed as lump sum payouts upon critical illness diagnosis and document verification.

Question 47

What documents are required to file a claim under Activ Secure Critical Illness Plan?

Accepted Answer

Documents usually include diagnosis confirmation, medical reports, specialist certificates, identification, and other proofs required to establish covered critical illness and eligibility.

Question 48

Is pre‑authorisation mandatory for hospitalisation under Activ Secure Critical Illness Plan?

Accepted Answer

Pre‑authorisation is not required, as the plan does not provide hospitalisation cost reimbursement; claims are submitted with diagnosis documentation for lump sum payout.

Question 49

How many claims can I make in one policy year under Activ Secure Critical Illness Plan?

Accepted Answer

Typically one claim per covered critical illness or condition payout is allowed per policy year, subject to plan terms and number of illnesses covered.

Question 50

Is the hospital network list available for Activ Secure Critical Illness Plan, and can I avail treatment outside the network?

Accepted Answer

Network lists do not apply, as claims are lump sum payouts on diagnosis irrespective of where treatment occurs, provided eligibility criteria are met.

Question 51

What is the claim settlement ratio of Aditya Birla Health Insurance for Activ Secure Critical Illness Plan?

Accepted Answer

Aditya Birla Health Insurance has a solid claim settlement performance at company level, reflecting efficient processing, though product‑specific ratios may vary annually.

Aditya Birla Activ Secure Critical Illness Plan

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Expert Review: Aditya Birla Activ Secure Critical Illness Plan One

Final Verdict

What Is Activ Secure Critical Illness Plan One?

One

Insurer Rating

8.21

Insurance Rating

3.5

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