How exactly does the Activ Secure - Critical Illness Plan 2 work? Is it different from regular health insurance?

Yes, it is entirely different. A standard mediclaim policy pays your actual hospital bills based on receipts. Activ Secure Plan 2 is a defined-benefit plan. The moment you are diagnosed with a covered critical illness (like cancer, a major stroke, or kidney failure), the insurer pays out your entire chosen Sum Insured (up to ₹50 Lakhs) as a single lump-sum cash payout. You can use this money for advanced treatment abroad, clearing debts, or replacing lost income while you recover.

What can I use the lump-sum payout for? Do I need to show hospital bills?

You do not need to show bills to use the bulk payout. Once the medical diagnosis of a covered illness is verified, the full cash amount is handed over to you. You have absolute freedom to use it however you see fit—whether that means paying for specialized home nursing, flying out to global specialists, mapping out lifestyle modifications, or simply managing your family's monthly living expenses.

Does this plan cover daycare procedures or advanced treatments like robotic surgeries?

Yes. If you undergo advanced medical treatments or daycare surgeries that require less than 24 hours of hospitalization (such as deep brain stimulation, oral chemotherapy, immunotherapy, or robotic surgery), the policy covers these medical costs up to your active sum insured layout.

What are the waiting periods before I can file a claim?

To ensure long-term premium stability, the plan relies on two key timelines:Initial Waiting Period: There is a 90-day waiting window right after buying the policy. Illnesses diagnosed within these first 90 days are not covered.Pre-Existing Diseases (PED): Medical conditions you already have before purchasing the policy face a 48-month (4-year) waiting period of continuous renewals before they qualify for coverage.

Will I have to pay a part of the claim from my own pocket (Co-payment)?

No. There is zero co-payment required under this plan for critical illness claims. The insurer will not ask you to share the financial burden of a valid diagnosed condition, regardless of your treatment city or age at the time of claim.

Are alternative healthcare paths like Ayurveda or Homeopathy covered?

Yes, AYUSH treatments (including Ayurveda, Yoga, Unani, Siddha, and Homeopathy) are covered up to the annual sum insured. The condition is that your treatment must be administered at a government-recognized hospital or an accredited quality-care facility.

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

Policy Brochure

Policy Policy Wording

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96

Claim Settlement Ratio

8000

Network Hospitals

8

Customer Rating

Policy Brochure

Policy Policy Wording

Our Verdict

Expert Review: Aditya Birla Health Insurance

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...

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 Insurance Company Limited

Waiting Period

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

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.

Cashless Healthcare Providers

Access to an extensive network of over 10,000 cashless healthcare providers across India.

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.

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.

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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...