
Aditya Birla Health Insurance’S Activ Secure - Critical Illness Plan 3
Aditya Birla Health Insurance
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 & ICU)
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 Periods
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.
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 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
No-Claim Bonus - Increases the sum insured for every claim-free year, rewarding policyholders for maintaining good health.
Hospital Cash Benefit - Provides a daily cash allowance during hospitalization for additional expenses not covered under the policy.
Second Opinion for Critical Illness - Covers consultation costs for a second medical opinion on critical illnesses from expert doctors.
Enhanced Room Rent Eligibility - Option to upgrade to higher-category rooms without any additional out-of-pocket expenses.
Maternity and Newborn Cover - Covers maternity expenses and newborn medical care, including vaccinations.
OPD Consultation and Dental Cover - Reimburses expenses for outpatient doctor consultations, diagnostic tests, and dental procedures.
Personal Accident Cover - Provides financial compensation in case of accidental death or permanent disability.
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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.