Aditya Birla Health Insurance’S Activ Secure - Critical Illness Plan 3
Aditya Birla
8.1/10
OneAssure Rating
8.1/10
OneAssure Rating
Highlighted Features
Room Rent (Normal & ICU)
Covers normal and ICU room expenses up to the sum insured, ensuring full hospitalization coverage without room rent restrictions.
Advanced Treatments
Includes robotic surgeries, oral chemotherapy, stem cell therapy, and other modern medical procedures to enhance critical illness treatment options. Covered treatments include Balloon Sinuplasty, Deep Brain Stimulation, Immunotherapy, Monoclonal Antibody Injections, Stereotactic Radio Surgeries, and more—ensuring access to cutting-edge medical care.
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Our Verdict
The Activ Secure - Critical Illness Plan offers extensive protection against 64 critical illnesses, with flexible sums insured and wellness benefits. Ideal for those seeking financial security during serious health challenges.
About the Plan
Aditya Birla Health Insurance’s Activ Secure - Critical Illness Plan 3 provides financial protection against major critical illnesses. It covers a wide range of 64 critical illnesses, including cancer, heart disease, and organ transplants. The plan offers a lump sum payout upon diagnosis, helping with treatment costs, lifestyle changes, and income loss. Policyholders can choose flexible sum insured options and benefit from wellness incentives. Additionally, it includes a second medical opinion and optional covers like a return of premium benefit for enhanced security.
About the Plan
Product Stats
Rating
Features of the Product
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.
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.
War, nuclear, or biochemical-related illnesses or injuries.
Non-medical expenses, including administrative and registration fees at hospitals.
Exclusions
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Why OneAssure?
We help you maximize your coverage over time for stronger protection
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 Insurance continues to build trust among policyholders. Its focus on innovation and holistic wellbeing makes it a dependable choice for those seeking comprehensive, wellness-driven health protection.
About the Company
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