To lend a helping hand to the people diagnosed with cancer, Aditya Birla Health Insurance (ABHI) has launched a health insurance plan called as the Activ Secure-Cancer Secure plan. This unique offering will offer protection against all stages of cancer - early, major, and advanced. What makes this plan from Aditya Birla Health different is the option of availing coaching for sustaining a healthy behavior through a wellness coach. The wellness coach will encourage and guide policyholders to achieve an active healthy state and maintain it. The coaching is available in areas of nutrition, fitness, weight management, and tobacco cessation. An online chat service on app and website, and a call-back service are put in place to deliver the wellness coaching facility to policyholders.
Features and Benefits of the Activ Secure-Cancer Secure Plan:
This plan features a low survival period requirement of 7 days which means that after the first diagnosis of cancer, the policyholder should survive 7 days to avail the benefit.
All the three stages of cancer - early, major, and advanced are covered under the Activ Secure-Cancer Secure plan.
If the policyholder is diagnosed at the early stage of cancer, he/she is eligible to receive 50% of the insured sum as a payout. The cover will not terminate after the payout.
For individuals diagnosed with cancer at a major stage, 100% of the sum insured will be paid and after the payout, the cover will be terminated.
In case the policyholder is diagnosed with cancer at an advanced stage, he/she is entitled to receive 150% of the sum insured as a payout. After the claim has been processed, the policy cover will terminate.
If within 48 hours, more than one cancer condition has been detected in the insured person, only one claim with the highest payout benefit will be considered.
A cumulative bonus of 10% on the sum insured can be enjoyed if there are no claims made during a policy year. The maximum bonus that can be earned is 100% of the sum insured. To be eligible for the cumulative cancer bonus, the policy has to be renewed before the grace period ends.
The premiums paid towards the Activ Secure-Cancer Secure plan are eligible for tax benefits under Section 80D of the Income Tax Act, 1961.
For severe cases of cancer, individuals have the option of availing a second opinion from a team of medical practitioners. The team will provide the second opinion based solely on the information and documentation furnished by the policyholder.
Did you know that cancer causes around 0.3 million deaths in India every year and is the second most common disease responsible for the number of deaths? In the year 2014, around 11.2 lakh new cancer cases were reported in India causing more than 4.91 lakh deaths with oral cancer being the most common reason behind the deaths. The high number of deaths is attributed to the low awareness, unavailability of prevention, diagnosis, and treatment of the disease. The major reason, however, is the unaffordability of treatments. Cancer treatments are expensive and a majority of people cannot afford it but even for people who can, they would end up draining a large chunk of their savings. The Activ Secure-Cancer Secure health insurance plan has been thoughtfully designed to provide financial relief to individuals when diagnosed with cancer of a specified severity. Instead of having to worry about the medical expenses, the policyholder can focus on his/her recovery when affected by cancer.
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I taken a health insurance from STAR HEALTH on last 6 months back which was taken via online. It covers my whole family of 3 members for the total amount of 5. The premium amount need to pay of 12K. The tenure period of 1 year. I have not used this card much. I haven't done any claim yet.
I have taken a health insurance policy from Bajaj Allianz which was taken for my mother. Policy coverage value was Rs. 1L and the premium its a one time payment, i got a offer because i am maintain CREDIT SCORE good. Still there is a no claim and i paid 3 years back, during renewal time i am not getting any calls from insurance company. This policy covers 200 hospital 30-50% in all hospital can get a claim.
My personal need I taken health insurance from RELIGARE on 2 years back. Actually my previous company taken health insurance got lapse, hence for better option I continued with same need to pay the premium of 5K. It covers up to myself. The coverage amount of 5L, since there is no claim yet I got bonus of 10% so as of now 5.5L. They tied up with many hospitals and cash less treatment is applicable.
This is an individual policy, cover fro myself and this is from Max Bupa. Yearly i am paying premium of Rs. 3000 and the coverage value of Rs. 5L and still there is a no claim. Every year i am getting 5% no claim bonus and this is a life long policy. Its a tax benefit plan for major and listed hospitals can avail a cash less, if non listed have to pay then we can reimburse.
My employer has given me a health insurance policy from ROYAL SUNDARAM and they have provided me a coverage amount of Rs. 3L. It covers myself and my spouse are covered in this policy.The premium amount need to pay of 7.5K on yearly basis. They have a cashless facility with many hospital.
I have taken health insurance from STAR HEALTH on last year for my personal use, it covers my whole family of 4 members. The sum average value is 5L. I am renewing the policy by paying the premium amount of 14K on yearly. Many hospitals are tied with them and they provide cashless treatment as well.
For my personal purpose, I have taken a health insurance from TATA AIG on 3 years back. On yearly, I use to renew the policy which I need to pay the premium amount of 20K via online. It covers up to myself. The sum assured amount is 2.4L. They tied up with limited hospitals only and there is no cashless treatment.
My company provides me a health policy from ORIENTAL insurance and this is a group insurance. Annual premium i am paying Rs. 4840 and still there is no claim and the coverage value is Rs. 2 lakhs. During the renewal time, i use to get reminder call from the support team.
I am paying about Rs. 20k yearly for health insurance to PARAMOUNT. This is group policy and the coverage of Rs. 10L since 5 years i am using this health insurance. I went for a claim which was reimbursed. The main factor is they are asking lots of documents which they need to make it simple.
I have received the Bajaj Allianz mediclaim policy from Bajaj Finserv on EMI basis. Cashless facility is available and am paying Rs.640 for a month. This policy is not available in the market. I wish if their executive were more polite and helpful. Its a self policy which covers 5L. Am renewing this policy from last 3years.
Health insurance policy which i have taken from STAR HEALTH and this is a family floater policy. I am using since 4 years still there is no claim and this insurance will cover all types of critical illness. Annually i am paying premium Rs. 13000 and its a Tax benefit policy.
ICICI offered me a health insurance and this is a group policy which covered for Rs. 4L. This insurance will cover all types of critical illness and day care treatment, still there is no claim with ICICI Lombard. I can avail cashless treatment with the listed hospitals.
From United India Insurance, i have taken a health insurance. This is a group insurance and i am paying premium per annum Rs. 4900. This policy covers all critical illness and there is a no age criteria, I can use this policy for life long. It covers Tax benefit under sec 80D also network of hospitals are good.
This is a group health policy which was taken through TATA AIG and the coverage value of Rs. 3L. I am paying premium yearly Rs. 6000. Its been one year and still there is no claim and this policy covers day care treatment and this can be used till life long.
From Apollo Munich, i have taken a health insurance and this is a joint policy. The policy coverage value is Rs. 5L for a life long. I am paying the premium yearly Rs. 16k and still there is no claim on this policy. It covers all network of hospitals.
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From my company side, they have provided me a health insurance from TATA AIG. I can do a cashless treatment facility in a network hospital hence i have fixed the appointment also. This policy covers only for myself. They have given me a coverage value of Rs. 3 lakhs. I don't have any claim experience till now.
I love the way they communicate everything. Inclusions and exclusions were explained in a right way to help me choose right product at right pricing. i got a healthcare for my whole family without burning a hole in my pocket. recommended to all
My friend has suggested to apply health insurance, so for my personal need I had taken a health insurance from STAR HEALTH on 10 months before. They tied up with many hospitals and it covers all city. There is cash less treatment and the policy includes 4 family members, need to pay the premium amount of 12K on yearly basis.
My health insurance policy is running with Aditya Birla Health Insurance. This is a family floater policy and i am paying premium around Rs. 14k yearly. Still there is no claim and this insurance covers all network of hospitals. This policy has some TAX benefits.