How does the waiting period affect my coverage?

The policy has a 90-180 day initial waiting period, 24 months for specific treatments, and 36 months for pre-existing diseases.

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

You may receive a no-claim bonus, increasing your sum insured for the following policy year.

Will my health insurance cover treatment abroad?

This policy does not provide international coverage; treatments are covered only within the approved network in India.

OneAssure

Health Insurance

Aditya Birla

Activ Secure Critical Illness Plan Three

Aditya Birla Health Insurance’S Activ Secure - Critical Illness Plan 3

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

8.1

Customer Rating

Policy Brochure

Policy Policy Wording

Get a Quote

96%

Claim Settlement Ratio

11000+

Network Hospitals

8.1

Customer Rating

Policy Brochure

Policy Policy Wording

Our Verdict

Expert Review: Aditya Birla Activ Secure Critical Illness Plan Three

Final 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

About Aditya Birla Activ Secure Critical Illness Plan Three

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.

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...

Three Ratings

Ratings: Aditya Birla Three

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

swipe

Inclusions and Exclusions

Inclusions and Exclusions of Aditya Birla Activ Secure Critical Illness Plan Three

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.

Cashless Healthcare Providers

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

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.

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.

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.

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.

Insurance Premium Calculator

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Name

Phone Number

Email

Your Enquiry

Name

Phone Number

Email

Your Enquiry

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...