
Aditya Birla Activ Secure Critical Illness Plan
Aditya Birla Health Insurance
8.0/10
OneAssure Rating
8.0/10
OneAssure Rating
Highlighted Features

Room Rent (Normal & ICU)
This policy includes room rent coverage, offering a single private room for normal hospitalization and no cap on ICU stays.

Advanced Treatments
Coverage includes advanced treatments such as coronary angiography, cancer radiotherapy, chemotherapy, and palliative care, ensuring access to essential medical support during critical times.
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Our Verdict
The Aditya Birla Activ Secure - Critical Illness Plan 1 offers strong financial protection against critical illnesses with additional benefits like second opinions and wellness support. Ideal for individuals seeking comprehensive critical illness coverage.
About the Plan
Aditya Birla Health Insurance’s Activ Secure - Critical Illness Plan 1 offers financial protection against life-threatening diseases by providing a lump sum payout upon diagnosis of any covered critical illness. The plan covers a wide range of conditions, including cancer, heart attack, and kidney failure, ensuring policyholders can manage medical expenses without financial strain. It also includes wellness benefits, second medical opinion services, and optional add-ons for enhanced coverage. This plan helps secure your financial stability during medical crises.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent (Normal & ICU)
This policy includes room rent coverage, offering a single private room for normal hospitalization and no cap on ICU stays.
Advanced Treatments
Covers advanced treatments, including robotic surgeries, stem cell therapy (for approved conditions), targeted cancer therapy, organ transplant procedures, and specialized cardiac treatments, ensuring access to modern and high-cost medical care.
Co-payment
The Aditya Birla Health Insurance Activ Secure - Critical Illness Plan 1 is a fixed-benefit plan, meaning it provides a lump sum payout upon diagnosis of a covered critical illness. Since it is not an indemnity-based plan that reimburses hospitalization expenses, it does not have a co-payment clause.
Waiting Periods
Initial Waiting Period: 90 days from the policy start date, during which no claims are payable.
Survival Period: 30 days post-diagnosis of a covered critical illness before the lump sum benefit is paid.
Pre-existing Disease Waiting Period: 48 months for pre-existing conditions before they are covered under the policy.
Cashless Healthcare Providers
The plan provides access to over 11,000 network hospitals across India, offering cashless treatment facilities.
Day Care Treatments
Covered under this plan.
AYUSH Treatment
AYUSH treatment covered under this policy
Exclusions
Pre-existing diseases are not covered until the completion of the specified waiting period.
Illnesses or conditions arising within the initial 90-day waiting period are excluded.
Self-inflicted injuries, suicide attempts, or harm due to substance abuse are not covered.
Treatments related to congenital diseases or birth defects are excluded.
Medical expenses for conditions arising from participation in hazardous activities or adventure sports are not covered.
Any illness or injury caused due to war, terrorism, or nuclear exposure is not covered.
Cosmetic or aesthetic procedures, unless required due to an accident, are excluded.
Treatment for infertility, fertility procedures, or assisted reproductive techniques is not covered.
Expenses for dental care, unless resulting from an accident, are excluded.
Any condition related to HIV/AIDS or other sexually transmitted diseases is not covered.
Exclusions
Wellness Coach - Get expert guidance on fitness, nutrition, and overall well-being through a dedicated wellness coach to maintain a healthy lifestyle.
Second Medical Opinion - Access consultations with leading specialists for a second opinion on critical illness diagnoses to make informed treatment decisions.
Personal Accident Cover - Enhance financial security by adding personal accident coverage for accidental death or disability for additional protection.
Hospital Cash Benefit - Receive a fixed daily cash allowance during hospitalization to cover non-medical expenses, ensuring financial ease.
Room Rent Waiver - Upgrade your hospital room category without any extra cost, allowing better comfort during treatment.
OPD Cover - Covers expenses for doctor consultations, diagnostics, and pharmacy bills for outpatient treatments.
Maternity and Newborn Cover - Provides coverage for maternity expenses and newborn care, ensuring financial support for pregnancy-related medical costs.
Add-ons
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About the Company
Aditya Birla Health Insurance Company (ABHICL), part of Aditya Birla Capital Ltd., is a trusted health insurance provider backed by the Aditya Birla Group and South Africa’s MMI Holdings. Since starting in 2015, ABHICL has focused on offering unique health plans like Chronic Care (for ongoing illnesses) and Incentivized Wellness, which promotes healthier living by rewarding good habits.
With pre-policy medical checkups for adverse pre-existing conditions, the company ensures tailored coverage and transparency, making it a trusted choice for individuals with specific and specialized health requirements.
Serving 21+ million lives, it combines comprehensive coverage with wellness benefits, empowering individuals to lead healthier lives with unparalleled care and support.