When it comes to taking care of your health, Aditya Birla Activ Secure Critical Illness Plan can work like a trustworthy friend who is always by your side. Created with care by Aditya Birla Health Insurance Ltd., this plan can be your strong defense against the financial challenges that come with critical illnesses. You can consider it a thoughtful shield that puts your well-being first.
The standout feature of Aditya Birla Activ Secure Critical Illness Plan is a guaranteed payout that acts as a robust safety net for individuals tackling the hurdles of critical illnesses. This isn’t just about complicated policies but extending a caring hand to guide you through the challenges of health uncertainties.
With coverage extending to over 60 critical illnesses, Aditya Birla Activ Secure Critical Illness Health Insurance plan offers a safety net that extends beyond the sum insured. If you’re looking for an easy way to get covered, you can buy this plan online.
In this guide, we’ll talk about its features, perks, and how it can be your strong defense against the unexpected twists that come with critical illnesses.
Coverage Offered by Aditya Birla Activ Secure Critical Illness Plan
Aditya Birla Activ Secure Critical Illness Plan provides individuals with a nuanced selection of coverage through its three distinct plan variants. Each of these variants is tailored to address varying levels of critical illnesses, ensuring a comprehensive approach to health protection.
1. Plan 1
- Covers up to 20 critical illnesses, including heart attack, kidney failure, cancer, and more
- Guarantees a 100% payout upon diagnosis, offering financial support during challenging times
2. Plan 2
- Encompasses a broad spectrum, covering 50 critical illnesses, such as brain tumors, brain surgery, and the 20 illnesses covered in Plan 1
- Provides a 100% payout of the sum insured upon diagnosis
3. Plan 3
- Provides extensive coverage of 64 critical illnesses
- List A includes 50 critical illnesses with a 100% payout on diagnosis
- List B includes 14 critical illnesses, with a 50% payout
This tiered approach allows individuals to choose a plan that aligns with their specific health concerns and preferences.
Features & Benefits of Aditya Birla Activ Secure Critical Illness Plan
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Varied Coverage Options
You can choose from three variants, each offering different levels of coverage to suit individual health needs and preferences.
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Tax Benefits
Aditya Birla Activ Secure Critical Illness Plan allows you to enjoy the advantage of tax benefits under Section 80D of the Income Tax Act, 1961, lightening the financial load.
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Comprehensive Critical Illness Coverage
Under the plan, you receive comprehensive coverage for major critical illnesses, ensuring a robust financial safety net during challenging times.
- Wellness Course Facility
You can also access a wellness course facility in the event of a critical illness diagnosis. A dedicated wellness coach will provide holistic support, addressing physical and mental well-being.
Also Read: Group Health Insurance: Advantages, Features, and More
Inclusions of Aditya Birla Activ Secure Critical Illness Insurance
- Lump sum payout upon the diagnosis of a critical illness, ensuring immediate financial support during challenging times
- Sum insured options that suit individual needs, with coverage options extending up to Rs 1 crore
- Tiered coverage plans
- Enhanced sum insured for multiple critical illnesses
- 15-day survival period benefit following the initial detection of the critical illness
As detailed here, Aditya Birla Activ Secure Critical Illness Insurance is a flexible and inclusive solution made to fit different health and financial needs when things get tough.
Exclusions of Aditya Birla Activ Secure Critical Illness Plan
- Sexually Transmitted Diseases (STDs), HIV/AIDS
- Coverage for illnesses or injuries linked to STDs, HIV, or AIDS
- Conditions caused by the use of drugs or alcohol
- Intentional self-harm or suicide attempts
- Illnesses or injuries that result from unlawful or criminal activities
- Conditions related to congenital external anomalies and diseases
Check the overall inclusions and exclusions of this policy to ensure transparency and clarity regarding the circumstances covered.
Eligibility Criteria to Buy Aditya Birla Activ Secure Critical Illness Plan
Minimum Entry Age:
- Plan 1 & 2: 5 years
- Plan 3: 18 years
Maximum Entry Age: Up to 65 years
Maximum Number of People Covered: 10
Residential Status: Indian Citizens and Residents
These simple and clear eligibility criteria provide a snapshot of who can avail of the Aditya Birla Activ Secure Critical Illness Plan.
Recommended Read: All About Aditya Birla Global Health Secure Policy
Cancellation Process for Aditya Birla Activ Secure Critical Illness Plan
- Policyholders have the option to cancel the plan within 15 days of opting for it. The cancellation process involves sending a written notice to the insurer. Upon acceptance, the premium for the unused months will be refunded to the policyholder.
- The insurer reserves the right to cancel the policy in cases of fraud or misrepresentation by the insured.
FAQs
What are the key features of Aditya Birla Activ Secure Critical Illness Plan?
This plan offers comprehensive coverage for over 60 critical illnesses, providing a guaranteed payout and tax benefits. With three plan variants, it caters to varying coverage needs.
Can I customize my coverage with Aditya Birla Activ Secure Critical Illness Insurance?
Yes, the plan allows flexibility with three variants. Choose from Plan 1 for basic coverage, Plan 2 for extensive coverage, or Plan 3 for complete critical illness coverage.
Are there any exclusions under this insurance plan?
Exclusions include illnesses due to STDs, HIV/AIDS, intoxication, intentional self-harm, criminal activities, and congenital anomalies. Refer to the policy document for a detailed list.
Can I cancel the Aditya Birla Activ Secure Critical Illness Plan?
Yes, the plan can be canceled within 15 days by sending a written notice to the insurer. The insurer may cancel the policy on grounds of fraud or misrepresentation by the insured.
Disclaimer:
The information shared on this platform concerning insurers, their products, services, or offerings is strictly for informational purposes. Updates may occur without prior notice, and it should not be construed as professional advice or an endorsement to procure any specific insurance product or service. Reliance on such information is solely at your own discretion and risk.