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Aditya Birla Activ Secure-Critical Illness Plan

Knowing that our present day lifestyles can invite a variety of diseases or chances of accidents, many of us buy a health insurance plan. Some also see health insurance plans as a tax-saving instrument while for some, it is a way of safeguarding themselves and their family from unexpected medical emergencies. Whatever the reasons are, health insurance plans have become an invaluable part of everyone who does not wish to be strained by the financial distress that can be brought about by unforeseen medical incidents.

Most health insurance policies come with the basic benefits of covering pre and post-hospitalisation expenses, day care treatments, ambulance charges, etc. but what happens when you are affected by a critical illness? Will your existing health insurance plan cover that as well? In most cases, no. Because critical illnesses require treatments that are expensive and which can last for longer durations. That is why it is advisable that you buy a critical illness cover either as a ‘stand-alone’ policy or as an additional cover on your existing health insurance plan. The Activ Secure-Critical Illness plan launched by Aditya Birla Health Insurance (ABHI) is designed to offer protection against minor and major critical illnesses while also helping you achieve an active and healthy lifestyle. Before we get into the features and benefits of the plan, let’s first understand what are the major critical illnesses and how a critical illness works.

What is a Critical Illness Cover?

Critical illnesses are ailments that are life-threatening and treatments for these diseases need specialised care and usually takes a longer time. A patient affected by a critical illness may need to make multiple visits to the hospital and also require a lot of medicines. Treatments can become very expensive which is why most insurers are hesitant to provide coverage for critical illnesses. Some of the major critical illnesses are kidney failure, heart attack, cancer, Alzheimer’s disease, paralysis, multiple sclerosis, loss of speech, poliomyelitis, tumours, etc.

A critical illness cover will entitle you to receive a lump sum amount to cover for expenses like cost of medicines, doctor’s fees, travel expenses to and from the hospital, fund for a change in lifestyle, etc. In some cases, a person affected by a critical illness may be unable to go for work and he/she might lose out on the earnings which can lead to a greater financial burden. A critical illness cover can act as a relief in such cases. Also, for individuals who have an outstanding loan to pay, the amount received as a payout from the critical illness cover can be used to pay the outstanding EMIs. In the absence of a critical illness cover, the expensive treatment costs can crumble the hard-earned savings of an individual when affected by a critical illness.

Critical illness covers are usually cheaper than comprehensive health insurance plans and have a fixed, defined payout where the policyholder will receive a lump sum amount of the sum insured irrespective of the hospital expenses. An important thing to be kept in mind is that a ‘stand-alone’ critical illness cover will not cover hospitalisation expenses in case of an accident or other diseases which is why it is suggested that you buy a mediclaim policy separately to cover for the hospital bills.

Difference Between a Critical Illness Plan and a Health Insurance Plan:

  • On detection of a critical illness the whole insured amount is paid to the policyholder unlike in a health insurance plan where only hospitalisation expenses are paid for.
  • Under a critical illness cover around 8 to 20 ailments are covered while in a health insurance plan, very limited covers are available.
  • A health insurance plan will not cover traveling costs to and from hospitals while a critical illness cover will offer a lump sum amount that can be used to pay for the transportation costs.
  • In a health insurance plan, claims are processed only after proper scrutiny of the expenses but in a critical insurance plan, the policyholder is provided a lump sum on detection of the critical illness and no updates about the expenses need to be given to the insurer. The insured person can use the amount whenever necessary.

What Does the Activ Secure-Critical Illness Plan offer?

The Activ Secure-Critical Illness is a variant of the Active Secure Health Plan by Aditya Birla Health Insurance and is meant for providing comprehensive financial protection against all major critical illnesses including kidney failure, stroke, cancer, and poliomyelitis. Below are the benefits offered by the plan:

  • For enhanced protection for critical illnesses, individuals have the option of availing enhanced coverage where the sum insured can be up to Rs.1 crore.
  • On detection of a critical illness, the insured person is eligible to receive a lump sum amount of the insured sum.
  • There are 3 plans that offer cover for 20, 50, and 60 critical illnesses, respectively. Under Plan 1, 20 critical illnesses are covered and the policyholder can avail 100% payout on insured sum upon diagnosis of a critical illness. Plan 2 covers 50 critical illnesses and the policyholder is eligible for 100% payout.
  • Under Plan 3, the number of critical illnesses covered are 64. The payout amount will depend on the diseases listed either under List A or List B.
  • If an individual is diagnosed with more than one critical illness, he/she is eligible to receive payouts that can go up to 150% of the sum insured.
  • The policyholder is eligible for a payout even in the early stage of the critical illness and even after the payout, the policy will continue.
  • Features a low requirement of survival period (15 days) after the first detection of critical illness.
  • The Activ Secure-Critical Illness plan comes with an optional benefit of a wellness coach. The wellness coach guides, motivates and provide tips to individuals on how to regain your health and sustain physical fitness.
  • If the policyholder wishes to get a second opinion on the critical illness, a team of specialist medical practitioners will be made available to him/her through an online channel.
  • Some of the diseases covered under the Activ Secure-Critical Illness plan are - cancer, heart attack, open heart replacement or repair, kidney failure, multiple sclerosis, permanent paralysis of limbs, major organ transplant, third-degree burns, loss of speech, liver/lung failure, muscular dystrophy, etc.
  • Cashback incentives can be earned by policyholders on achieving certain fitness levels. These are termed as ‘Health Returns’ by Aditya Birla Health Insurance. Based on the fitness levels, individuals are categorised into red, amber, and green. A person falling under the green category can earn up to 30% of the insured sum as cashback which will be credited to the health account of the policyholder. To be eligible for the green category, individuals need to be physically active for more than 13 days in a month.

The Activ Secure-Critical Illness plan can serve a good purpose when purchased in conjunction with a health insurance policy and ensure that you and your family get a comprehensive/enhanced coverage to meet all kinds of medical emergencies including critical illnesses.

 4.5 / 5.0   by 6164 users
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Activ Secure-Critical Illness Plan Reviews

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  • National Insurance Health Insurance
    "GOOD"
    0.5 4.0/5 "Great!"
    I am using the corporate insurance policy for health since from last 4 years. I had no claim experience also the policy has the medical coverage of 2L for family added on that the policy has the disease coverage as illness coverage. The listed hospital is good.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jun 23, 2019
  • Future Generali
    Future Generali Health Insurance
    "GOOD"
    0.5 4.0/5 "Great!"
    I am using health insurance policy with FUTURE GENERALI GENERAL INSURANCE since from last one year and the premium paid was 1400 rupees it gives the medical coverage of 5L for family. The listed hospital is good also the customer support is good.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jun 23, 2019
  • Bajaj Allianz Health Insurance
    "GOOD"
    0.5 4.0/5 "Great!"
    I had no claim experience but using from last 5 years. The premium paid buy the company and it is a corporate insurance policy, medical coverage is for 3L for family coverage apart from that they have no additional coverage in this insurance policy.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jun 23, 2019
  • Religare Health Insurance
    "More than satisfactory"
    0.5 5.0/5 "Blown Away!"
    Religare health care was quick to send me the policy papers after I purchased my health policy through them. I have take the policy for my whole family. The medical coverage is of 12 lakhs and the premium is of 15K which is paid on a yearly basis. There are so many benefits on the card.
    Was this review helpful? 0
    , chennai
    Reviewed on Jun 23, 2019
  • HDFC Ergo Health Insurance
    "Satisfied"
    0.5 5.0/5 "Blown Away!"
    It is a corporate health insurance policy with HDFC Ergo. It is a family floater and I got the medical card for each member as well. The medical coverage is of five laksh for the whole family. It was a easy process to get the policy and the details .
    Was this review helpful? 0
    , chennai
    Reviewed on Jun 23, 2019
  • Bajaj Allianz Health Insurance
    "Great experience"
    0.5 5.0/5 "Blown Away!"
    I prefer Bajaj since have been getting good services on various parameter. I took a medical policy with BajaJ Allianz for one year. It covers 3 of family member and 1 individual. Monthly payment is Rs.1024 for family and individual is Rs.645, the best thing is need to pay only 10months and 2months are exclusive. They are providing good medical coverage.
    Was this review helpful? 0
    , vadodara
    Reviewed on Jun 22, 2019
  • Star Health Health Insurance
    "EXCELLENT"
    0.5 5.0/5 "Blown Away!"
    I had no claim experience with health insurance where i am using it from STAR HEALTH & ALLIED INSURANCE since last 2 years. The premium paid was 15k and the medical coverage is for 5L for 4 person. The listed hospital is good. I got the health card with this policy.
    Was this review helpful? 0
    , pune
    Reviewed on Jun 22, 2019
  • Tata AIG Health Insurance
    "Excellent Policy"
    0.5 5.0/5 "Blown Away!"
    My employer has provided me a health insurance policy from TATA AIG and the premium is being deducted from my salary. I do not have any claim experience till now. My entire family has been covered in this policy. I got the coverage amount of Rs. 5 lakhs.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jun 22, 2019
  • New India Health Insurance
    "Average"
    0.5 4.0/5 "Great!"
    I took a health insurance with New India Assurance which was suggested by well known agent to me. The medical coverage is 2L and the policy covers only myself. I have paid premium near about 4 to 5K for one year policy. I got the insurance paper and E-cards on time. I have no claim experience.
    Was this review helpful? 0
    , kolkata
    Reviewed on Jun 22, 2019
  • Oriental Insurance Health Insurance
    "Overall good"
    0.5 4.0/5 "Great!"
    I feel the Oriental insurance policy cover is lesser, they quoted only Rs. 3 lakhs its cover entire family, it has no claim benefits and cash less treatment facility available. They got tie up with many hospital, they improvement sum assured as per current scenario.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jun 22, 2019
  • review Health Insurance
    "Excellent"
    0.5 5.0/5 "Blown Away!"
    I got a health insurance with Iffco Tokio which was offered by company. Recently have utilized the policy for wife pregnancy. The claim process is excellent and not even single rupee have been paid by my pocket. They have asked for pan card, health card and company id card and the procedure is simple with less documents.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jun 21, 2019
  • Star Health Health Insurance
    "So far good"
    0.5 4.0/5 "Great!"
    I took a health insurance with Star Health and it was suggested by one of my friend. He is working in the same company so its much easier to get a help from knowing person. I have no claims and am paying 6K to purchase the policy. It covers 2kids and 2 Adults, the medical coverage is 5L.
    Was this review helpful? 0
    , visakhapatnam
    Reviewed on Jun 21, 2019
  • Religare Health Insurance
    "Excellent"
    0.5 5.0/5 "Blown Away!"
    Its more than a year with Religare and have several claims which was good. They have covered 5L health insurance for my family and it included 3members. They have multiple networks of cashless and its easy to claim. It covers all type of disease. Its a corporate health policy.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jun 21, 2019
  • New India Health Insurance
    "Need scope of improvement"
    0.5 4.5/5 "Excellent!"
    I have New India assurance health policy, the employer gave me Rs. 3.5 lakhs of medical cover it protects me, spouse and son. I faced a claim when my son was admitted hospital for one month, I got the reimbursement upto 90%. They have to take action quickly and they should give cash less treatment for that they should tie up more hospitals.
    Was this review helpful? 0
    , pune
    Reviewed on Jun 21, 2019
  • Star Health Health Insurance
    "Excellent service"
    0.5 5.0/5 "Blown Away!"
    My company had provided me health insurance with Star health insurance, the medical coverage is up to 7,00,000 whenever i want to apply it would be cashless treatment, they have tie up with many hospital , my experience was good with them. Their customer care service is good.
    Was this review helpful? 0
    , secunderabad
    Reviewed on Jun 20, 2019
  • Star Health Health Insurance
    "Good Policy"
    0.5 5.0/5 "Blown Away!"
    I have applied the claim twice from Star health insurance. On the emergency purpose, the hospital is not covering for cashless facility hence i have submitted all the documents and proceed the claim. Within 7 days, they have processed the claim. I have taken the policy for my entire family. Earlier i took a family covered policy and when I'm renewing the policy, i have taken two separate policy for myself and my parents.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jun 19, 2019
  • Star Health Health Insurance
    "Reasonable policy"
    0.5 3.0/5 "Satisfactory"
    One of relative who is working as a agent has forced me to take the health insurance policy from Star. I have taken the policy for my family. Since my wife is taking care of the policy, I'm not sure about the premium and coverage value. I do not have any claim experience so far.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jun 19, 2019
  • National Insurance Health Insurance
    "GOOD"
    0.5 5.0/5 "Blown Away!"
    I had a claim experience many time where and it was cashless also reimbursement, i got 80-90% claim. I am holding since from last 10 years also paying the premium for 6K for medical coverage of 1L. The disease, pre existing disease, illness, accidental coverage is there.
    Was this review helpful? 0
    , ahmedabad
    Reviewed on Jun 18, 2019
  • Reliance General Health Insurance
    "Excellent service"
    0.5 5.0/5 "Blown Away!"
    I have taken health insurance with Relience GENERAL INSURANCE for my family , the agent had given me all informations and shared me the location which they have tie up with many hospital, the premium amount i use to pay on yearly basis ,the medical coverage i have taken up to 10,00,000.
    Was this review helpful? 0
    , kanpur
    Reviewed on Jun 18, 2019
  • SBI General Health Insurance
    "Excellent service"
    0.5 5.0/5 "Blown Away!"
    I have been taken my health insurance with SBI general insurance, their service is good, i have been paying it from past 3 years, so far my experience was good, the premium amount i use to pay on yearly basis, the medical coverage is up to 10,00,000 , i have taken top with this insurance company,i use to pay premium to an agent directly.
    Was this review helpful? 0
    , kanpur
    Reviewed on Jun 18, 2019
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