You need health cover regardless of what you take two at a time - pills or stairs.

Aditya Birla Activ Secure-Critical Illness Plan

 4.0 / 5.0   by 5426 users
Used this product? Write a review >>

Cashless Treatment

Customer Service

Medical Coverage

Claim Experience

Responsiveness

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.

Activ Secure-Critical Illness Plan Reviews

Page 1 of 50 1 2 3 4 5
  • United India Health Insurance
    "Very Good Service"
    0.5 4.0/5 "Great!"
    I had taken this insurance policy in the year of 2018 and the the premium has been deducting from my salary. The premium amount has not been too high and there has been many hospitals collaborated within my locality. There has also been some cashless treatment available with this policy as well.
    Was this review helpful? 0
    , chennai
    Reviewed on Jan 17, 2019
  • Star Health Health Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I have my health insurance with Star health insurance, i had claim experience with it, my experience was good, they have good tie up with my hospital and they have mailed me about the location of it, and i am happy with there service, they have charged me premium amount on yearly basis, and the premium amount is nominal for me, and i use to pay through on line mode.
    Was this review helpful? 0
    , chennai
    Reviewed on Jan 17, 2019
  • Max Bupa Health Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I have taken my health insurance with Max BUPA , i have not opt there policy yet and i use to pay premium on monthly bases , and it use to get auto debit from my account and while i applied for health insurance customer service had explained me about all procedure , so far the process went smoothly and it good.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jan 17, 2019
  • Max Bupa Health Insurance
    "Excellent service"
    0.5 5.0/5 "Blown Away!"
    I got the health insurance with Max bupa health insurance, there service is good, they have charged me premium nominal ,and the premium is on yearly basis, and they have tie up with many hospital , and had shared the details via mail, and i pay premium amount through on line mode.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jan 17, 2019
  • HDFC Ergo Health Insurance
    "Excellent service"
    0.5 5.0/5 "Blown Away!"
    I got the health insurance with HDFC Ergo, they got tie up with many hospitals, and they have shared me location on those hospital in mail, and they have charged me nominal premium amount ,they have charged me up to 17000-18000 as premium, it is on yearly basis, and i use to pay the premium on an on line basis.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 17, 2019
  • SBI General Health Insurance
    "Bad experience"
    0.5 1.0/5 "Really Bad"
    I got the health insurance with SBI, they got tie up with many hospitals. I Felt the medical cover its less and i am not happy with there support team ,like if i want to call the customer care there number would not be reachable and they use to mail me PDF after paying premium amount,it would not get open, they have charged me premium amount on yearly basis,i have bad experience with this bank.
    Was this review helpful? 0
    , gurgaon
    Reviewed on Jan 16, 2019
  • HDFC Ergo Health Insurance
    "Very good benefits"
    0.5 5.0/5 "Blown Away!"
    I have a health insurance from HDFC ERGO which was purchased by me in the year of 2018 because the benefits are very good. The claim process was simple and they have more number of hospitals for cashless. I have paid 18,800 for one year and took 3 years policy for myself and my wife. The medical coverage is 10L for myself and 5L for wife.
    Was this review helpful? 2
    , bangalore
    Reviewed on Jan 14, 2019
  • HDFC Ergo Health Insurance
    "Good"
    0.5 3.0/5 "Satisfactory"
    I have taken health insurance from HDFC Ergo which was offered along my personal loan. I have received the insurance paper and its been couple of months. It covers critical illness and need to go through the policy benefits. Always the customer is good.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 14, 2019
  • Tata AIG Health Insurance
    "Great company"
    0.5 5.0/5 "Blown Away!"
    I have taken health insurance from tata aig. I did take health insurance from tata aig for my parents and The Process was so simple. Customer representative is good. The customer service and response was on time, never had any issues. Now I feel safe for my family Thank you tata aig.
    Was this review helpful? 0
    , solapur
    Reviewed on Jan 12, 2019
  • ICICI Lombard Health Insurance
    "Good Health insurance provider"
    0.5 3.5/5 "Pretty good"
    This policy was part of my employment, I took the medical coverage of Rs. 5 lakhs for the tenure of one year, this medical benefits for my entire. They have good networks of hospital with major disease cover. But I think it doesn't have no claim bonus.
    Was this review helpful? 0
    , chennai
    Reviewed on Jan 11, 2019
  • Reliance General Health Insurance
    "On time approval with reliance"
    0.5 4.0/5 "Great!"
    For my spouse operation I used the health policy, I approached them for the claim through hospital. I submitted the form and they send the papers to the Reliance insurance company. I got the cash less treatment, but I paid some amount which was not covered. But they gave me the on time approval.
    Was this review helpful? 0
    , kolkata
    Reviewed on Jan 11, 2019
  • Cigna TTK Health Insurance
    "On time service"
    0.5 5.0/5 "Blown Away!"
    On time Cigna TTK have activated the policy which provided by the company, the policy which I hold it has the coverage of Rs. 4 lakhs its covers for me. They are providing coverage for the pre existing with the tax benefits but there is no claim.
    Was this review helpful? 0
    , dandeli
    Reviewed on Jan 10, 2019
  • Cigna TTK Health Insurance
    "Its Good"
    0.5 5.0/5 "Blown Away!"
    In Cigna TTK, they are providing pre existing disease cover, but they don't have no claim bonus features. The response is good they have good customer care working 24/7 , the medical coverage is good for me and entire family. They have many hospital which they got tie up in Mumbai.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jan 10, 2019
  • Apollo Munich Health Insurance
    "Excellent Service"
    0.5 5.0/5 "Blown Away!"
    I had taken this insurance policy a while back and i had been paying the premium amount on an annual basis. The premium method has been convenient and the premium amount has not been high. There has been many hospitals covered in my locality and their customer support has also been helpful.
    Was this review helpful? 2
    , pune
    Reviewed on Jan 09, 2019
  • ICICI Lombard Health Insurance
    "Good policy"
    0.5 4.0/5 "Great!"
    My organization has provided me a health insurance with ICICI Lombard. I have not claimed anything from this policy. My entire family has been covered in this policy. They have given me a coverage value of Rs. 3 lakhs. This is a cashless policy.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jan 09, 2019
  • Star Health Health Insurance
    "Good"
    0.5 4.0/5 "Great!"
    My company has offered a health insurance from Star Health with the coverage of 1L, its for the family, Still I have not used the policy and am gone utilize the policy within 15 days for my family.They covers a major disease. I have called the customer service and the response is good. I am planning to go for reimbursement, they do have minor network of hospitals for cashless. I can recommend after completing my claim.
    Was this review helpful? 0
    , chennai
    Reviewed on Jan 09, 2019
  • National Insurance Health Insurance
    "Good"
    0.5 5.0/5 "Blown Away!"
    My company has provided me a health policy from National insurance with the coverage of 2L. It is for the family members and no claim. I never contacted the customer service. Every year it was renewed by the company. They have limited networks of hospitals for cashless. It does not cover only eye problems, if we got admitted in hospital for 24hrs then applicable for claim.
    Was this review helpful? 0
    , pondicherry
    Reviewed on Jan 09, 2019
  • ICICI Lombard Health Insurance
    "Good"
    0.5 4.0/5 "Great!"
    I have taken a health policy from ICICI Lombard by last month. They have offered the policy based on my credit card experience. They have charged 10,800 rupees as a premium per annum. The policy period us 3 years. Am satisfied with the policy benefits. The customer service is excellent and they have explained well.
    Was this review helpful? 0
    , pondicherry
    Reviewed on Jan 09, 2019
  • Apollo Munich Health Insurance
    "Good medical cover with Apollo"
    0.5 5.0/5 "Blown Away!"
    I got the medical cover of Rs. 3 lakhs its covers for my four persons, they got tie up with major hospital. I don't have any medical card but if I want to go for claim. There is a person who coordinate for Tata employee. They do have cash less treatment.
    Was this review helpful? 1
    , mumbai
    Reviewed on Jan 09, 2019
  • Star Health Health Insurance
    "Its Good"
    0.5 3.5/5 "Pretty good"
    I have taken the policy personally from my end for my parents. Star Health is providing pre existing disease cover, and major disease cover like heart disease and they do have no claim bonus. Senior citizen plan is good for the elders it has the medical coverage value around Rs.3 lakhs.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 09, 2019
Common Loader Icon
Page 1 of 50 1 2 3 4 5

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.

reTH65gcmBgCJ7k
This Page is BLOCKED as it is using Iframes.