How does the waiting period affect my coverage?

90-day initial waiting period for critical illnesses; 48 months for pre-existing diseases.

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

No-claim bonus or increased sum insured is not applicable under this critical illness plan.

Will my health insurance cover treatment abroad?

International treatment is not covered; policy benefits apply only within India.

OneAssure

Health Insurance

Aditya Birla

Activ Secure Critical Illness Plan Two

Aditya Birla 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 Activ Secure - Critical Illness Plan 2 offers extensive coverage for life-threatening illnesses with lump sum payouts, wellness support, and family coverage. Ideal for individuals seeking comprehensive financial protection against critical conditions.

About

About Aditya Birla Health Insurance

Aditya Birla Health Insurance’s Activ Secure - Critical Illness Plan 2 provides financial protection against major critical illnesses. It offers a lump sum payout upon diagnosis of covered conditions like cancer, heart diseases, and organ failure. The plan ensures financial stability by covering medical expenses, rehabilitation, and lifestyle adjustments. With flexible sum insured options, wellness benefits, and no-claim incentives, it helps policyholders manage healthcare costs effectively. This plan is ideal for individuals seeking comprehensive coverage against life-threatening illnesses.

Aditya Birla Health Insurance’s Activ Secure - Critical Illness Plan 2 provides financial protection against major critical illnesses. It offers a lump sum payout upon diagnosis of covered conditions like cancer, heart diseases, and organ failure. The plan ensures financial stability by covering medical expenses, rehabilitation, and lifestyle adjustments. With flexible sum insured options, wellness benefits, and no-claim incentives, it helps policyholders manage healthcare costs effectively. This plan is ideal for individuals seeking comprehensive coverage against...

Inclusions and Exclusions

Inclusions and Exclusions of Aditya Birla Insurance Company Limited

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.

Co-payment

No co-payment required for critical illness claims.

Waiting Period

90-day initial waiting period for critical illnesses.
48-month waiting period for pre-existing diseases.

Room Rent

Normal: Covered as per policy terms.
ICU: Covered with specified sub-limits.

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.

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.

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Exclusions

Pre-existing diseases not covered for the first 48 months.
No coverage for illnesses diagnosed within the first 90 days of policy issuance.
Self-inflicted injuries, suicide, or attempts of self-harm.
Illnesses due to alcohol, drug abuse, or substance addiction.
Conditions arising from hazardous activities, war, riots, or terrorism.
Cosmetic or plastic surgeries unless required due to accident or burns.
Treatment for HIV/AIDS and related complications.
Congenital diseases or birth defects.

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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...