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.

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Activ Secure-Critical Illness Plan Reviews

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  • Star Health Health Insurance
    "Good policy "
    0.5 3.0/5 "Satisfactory"
    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.
    Was this review helpful? 1
    , bangalore
    Reviewed on Mar 20, 2020
  • Bajaj Allianz
    Bajaj Allianz Health Insurance
    "Good policy "
    0.5 4.0/5 "Great!"
    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.
    Was this review helpful? 0
    , bangalore
    Reviewed on Mar 20, 2020
  • Religare Health Insurance
    "Good insurance company "
    0.5 5.0/5 "Blown Away!"
    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.
    Was this review helpful? 1
    , bangalore
    Reviewed on Mar 19, 2020
  • Max Bupa Health Insurance
    "Good policy"
    0.5 4.0/5 "Great!"
    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.
    Was this review helpful? 0
    , chennai
    Reviewed on Mar 19, 2020
  • Royal Sundaram Health Insurance
    "Good insurer"
    0.5 4.0/5 "Great!"
    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.
    Was this review helpful? 0
    , chennai
    Reviewed on Mar 19, 2020
  • Star Health Health Insurance
    "Excellent service"
    0.5 5.0/5 "Blown Away!"
    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.
    Was this review helpful? 0
    , rajahmundry
    Reviewed on Mar 18, 2020
  • Star Health Health Insurance
    "Average "
    0.5 3.0/5 "Satisfactory"
    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.
    Was this review helpful? 0
    , bangalore
    Reviewed on Mar 18, 2020
  • Oriental Insurance Health Insurance
    "Good policy "
    0.5 5.0/5 "Blown Away!"
    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.
    Was this review helpful? 1
    , kolkata
    Reviewed on Mar 16, 2020
  • review Health Insurance
    "Need online service "
    0.5 5.0/5 "Blown Away!"
    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.
    Was this review helpful? 0
    , thane
    Reviewed on Mar 15, 2020
  • Bajaj Allianz Health Insurance
    "Okay"
    0.5 4.0/5 "Great!"
    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.
    Was this review helpful? 1
    , kochi
    Reviewed on Mar 15, 2020
  • Star Health Health Insurance
    "Good "
    0.5 5.0/5 "Blown Away!"
    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.
    Was this review helpful? 1
    , bangalore
    Reviewed on Mar 14, 2020
  • ICICI Lombard Health Insurance
    "Good policy"
    0.5 4.0/5 "Great!"
    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.
    Was this review helpful? 1
    , hyderabad
    Reviewed on Mar 14, 2020
  • United India Health Insurance
    "Best policy "
    0.5 5.0/5 "Blown Away!"
    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.
    Was this review helpful? 0
    , kolkata
    Reviewed on Mar 13, 2020
  • United India Health Insurance
    "Good"
    0.5 4.0/5 "Great!"
    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.
    Was this review helpful? 0
    , bangalore
    Reviewed on Mar 13, 2020
  • Apollo Munich Health Insurance
    "OKAY"
    0.5 5.0/5 "Blown Away!"
    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.
    Was this review helpful? 0
    , indore
    Reviewed on Mar 13, 2020
  • Star Health Health Insurance
    "WORST and WORST"
    0.5 0.5/5 "Unacceptable"
    Star health and Allied insurance cheaters don't go with this policy they are looting people worst and worst there are corporate beggars- frauds ,corporate beggars- frauds ,corporate beggars- frauds ,corporate beggars- frauds ,corporate beggars- frauds
    Was this review helpful? 0
    , bangalore
    Reviewed on Mar 12, 2020
  • Star Health Health Insurance
    "Nice Policy"
    0.5 4.0/5 "Great!"
    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.
    Was this review helpful? 0
    , chennai
    Reviewed on Mar 12, 2020
  • Star Health Health Insurance
    "Good products at affordable right pricing"
    0.5 4.0/5 "Great!"
    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
    Was this review helpful? 0
    , mumbai
    Reviewed on Mar 11, 2020
  • Star Health Health Insurance
    "Good "
    0.5 4.0/5 "Great!"
    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.
    Was this review helpful? 1
    , chennai
    Reviewed on Mar 10, 2020
  • review Health Insurance
    "Good"
    0.5 5.0/5 "Blown Away!"
    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.
    Was this review helpful? 0
    , lucknow
    Reviewed on Mar 09, 2020
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