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.
Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.
I have a health insurance from united India which is provided by my employer. I will recommend this medical insurance to all because the service was good and the claim disbursement time is very less within 25 days we are getting the claim amount. They processed the claim very fast and they are giving upto 80% coverage for my parents, myself, spouse and children the claim coverage up to 100%.
I have taken a mediclaim policy from STAR HEALTH and this is a company policy. I am paying premium annually Rs. 14,000.This policy covers all type of critical illness and i went for claims 2 to 3 times its a cashless. They cover all network hospital and this is family floater policy.
I have taken medi claim from ICICI LOMBARD GENERAL INSURANCE. The coverage value was Rs. 5,00,000 and I am paying premium Rs. 5000. This policy covers all type of critical illness day care treatment. This is a cash less policy last year I had done claim of 2L. This insurance covers all network hospitals and this is a group policy.
I have taken a health insurance from SBI General because from Government side, I can claim the amount if I apply for reimbursement. I have paid the premium amount of Rs. 1000 on every year. They have not explained me about the coverage amount.
My employer has given me a health insurance policy from BAJAJ ALLIANZ on 5 years before. The coverage amount of 5L. On yearly basis they will renew my policy. The premium amount of 10K use to pay. It covers particular hospitals and with multi specialty. There is cashless treatment as well. It covers my whole family.
Taken my health insurance from Birla Sun life. They approached me through call, when i accepted the same, they have given me a health insurance for my entire family with the coverage value of Rs. 3 lakhs. I have been paying the premium amount of Rs. 960 every month. In this policy, pre-existing disease has been covered.
I have taken a health insurance policy from ROYAL SUNDARAM.This is an individual policy and the coverage was Rs. 5,00,000. Annual premium i am paying Rs. 2000. This insurance covers all type of critical illness and still there is a no claim. Every year i am getting reminder call but i am not getting call to include my family members.
I have taken a health insurance policy from ADITYA BIRLA HEALTH INSURANCE. This is a group policy and the coverage was Rs. 2,00,000. I am paying yearly premium around Rs. 3500 and this policy covers all type of critical illness, some disease will not cover need to be get cover.This policy covers all network hospitals.
I have taken a health insurance from ORIENTAL INSURANCE. The coverage value was Rs. 5,00,000 and the premium i am paying Rs. 25,000. This is a group policy which covers all type of critical illness and also i am enjoying TAX benefits. I went for claim full amount i got reimburse and they have issued health ID card for claim it's very useful more over they cover all net work hospitals.
I have taken a health insurance policy from STAR HEALTH and i am using this policy almost 12 years. This is a group insurance which covers my family also and the coverage value was Rs. 7,50,000. I am paying premium for this policy around Rs.35,000. Still now there is a no claim and also this policy covers all type of critical illness.
I have taken a health insurance from ICICI LOMBARD. The policy coverage value was Rs. 3,00,000 and annually i am paying premium of Rs. 9000. This is a individual policy covers individually for me and my family members. Since there is a no claim and also it covers all type of critical illness.
Last 3 years, i have been renewing the policy with Star health insurance. I have chosen this insurance because of the quick response and they have a very good network hospital list. In most of the hospitals, they accepting cashless facility with this company. My entire family has been covered in this policy.
I have taken a health insurance policy from STAR HEALTH and the coverage value was Rs. 7,00,000 This is a family policy which covers all my family members and this is a life long policy. Annual premium I am paying Rs. 15000 and also getting tax benefits.
I have a health insurance from Religare. I haven't get any experience to claim on that. The policy has lots of benefits like it has a cashless tie up with lots of hospitals and the re-imbursement process also quite comfortable so that i got the policy from Religare. They are sending reminder messages before the policy get expired.
My health insurance policy was taken from Royal Sundaram. This insurance policy i got 3 months before hence i didn't claim anything till now. I have paid the premium amount of Rs. 600 which covers only for myself. When i get my SBI credit card, they have a tie up with Royal Sundaram hence i got this. This policy would be helpful in the emergency case.
I have not claimed for the Bajaj Allianz health policy till date once i claim only i come to know about the features. I'm with the Bajaj company for many years so only I purchased this insurance. Yearly I pay the premium amount of Rs. 10000 approximately. This policy covers for myself and my wife. According to the policy, they are saying its cover for 10L.
I have taken a health insurance from NEW INDIA ASSURANCE and the coverage was Rs.2,00,000 or Rs.3,00,000 . This is a individual policy and my friend recommended. I am paying monthly EMI of Rs.4,500. This policy covers all type of critical illness and also still there is a no claim. Customer service was good.
I have taken a mediclaim policy from IFFCO TOKIO. The loan amount was Rs. 2,00,000 and I am paying monthly Rs. 2000 or Rs. 3000.This is a individual policy and also cover all type of critical illness but if any surgery that alone I have some waiting period.
With HDFC, i have a good relationship for past 15 years. For 5 years ago, i have taken the health insurance policy from HDFC Ergo. Since i do not have any claim experience, i have received no claim bonus every year. I have been paying the premium amount of Rs. 25000 for the entire family for the coverage value of Rs. 4 lakhs.
Last 7 years, i have been renewing my health insurance with Royal Sundaram. But only once i have claimed with the amount of Rs. 6000 and my experience was good. So many people referred me about royal Sundaram thats the reason i gone through with them. Every year, i'm paying the premium amount of Rs. 10000.