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

Room Rent (Normal & ICU)
Covers hospital room costs, including ICU with sub-limits, ensuring financial security for critical illness treatments.

Advanced Treatments
Includes robotic surgery, stem cell therapy, oral chemotherapy, and specialized procedures, offering coverage for high-cost, modern medical treatments.
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Policy Wording
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Our 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 the Plan
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.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent (Normal & ICU)
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.
Co-payment
No co-payment required for critical illness claims.
Waiting Periods
90-day initial waiting period for critical illnesses.
48-month waiting period for pre-existing diseases.
Cashless Healthcare Providers
Access to an extensive network of over 10,000 cashless healthcare providers across India.
Day Care Treatments
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.
Cosmetic or plastic surgeries unless required due to accident or burns.
Treatment for HIV/AIDS and related complications.
Congenital diseases or birth defects.
Infertility treatment, pregnancy-related expenses, and childbirth complications.
Experimental or unproven treatments not recognized by medical authorities.
Exclusions
Wellness Coach - Provides access to health coaches for personalized guidance on fitness, nutrition, and lifestyle management.
Second Medical Opinion - Allows policyholders to seek expert medical advice for critical illness diagnosis and treatment options.
Loss of Job Cover - Provides financial assistance in case of job loss due to a diagnosed critical illness.
Enhanced Sum Insured - Option to increase coverage amount with no-claim benefits or additional premium.
Daily Hospital Cash - Pays a fixed daily allowance for hospitalization to cover non-medical expenses.
Premium Waiver Benefit - Waives future premiums if the insured is diagnosed with a covered critical illness.
Family Cover Option - Extends coverage to family members under the same policy for comprehensive protection.
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.