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  • Aditya Birla Activ Secure-Critical Illness Plan

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    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
    • HDFC Ergo Health Insurance
      "Very Good Service"
      0.5 4.0/5 "Great!"
      Overall it had been a good experience with them so far and i had directly went to take this insurance policy. The process was done online and it has been simple and easy where it was hassle free. I have not yet made any claim with this insurance policy so there has not been any experience in that. There has not been any hassle made by them so far.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 20, 2018
    • Star Health Health Insurance
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I had taken this insurance almost three years and it had been a good experience with them so far. I had been making all the payments online and it has been easy in making the payments. One of my friend referred me in taking this insurance and i had directly went to them in taking the insurance policy and it has been a hassle free process.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 20, 2018
    • Royal Sundaram Health Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have my health insured with Royal Sundaram general insurance from last 3 months, it is a family health policy with the coverage value of Rs 1 lakh per member. I have no claim experience so far with this insurance and i get good tax benefits on this policy.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 20, 2018
    • Star Health Health Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have my health insured with Star health from last 6 months, i pay a premium of Rs 5500 for this insurance policy and it is a family coverage. I have not claimed anything so far from this insurance policy and the coverage value is Rs 10 lakhs.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 20, 2018
    • Star Health Health Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have a health insurance policy with Star health from last 15 years and it is a good policy. It is a family policy with the coverage value of Rs 7 lakhs for this insurance. I have no claim experience so far from this insurance and i pay a premium of Rs 4000 for this insurance.
      Was this review helpful? 1
      , chennai
      Reviewed on Jul 18, 2018
    • ICICI Lombard Health Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      I've an employer provided health insurance policy with the ICICI Lombard. The company is paying the premium. It offers of a coverage of 2 lacs for me annually. I do not have any claim experience with the policy. So far there hasn't been any issues with the policy. I'll have to wait and see how they respond to my claims in future if I'll have any.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 17, 2018
    • HDFC Ergo Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have choose this Hdfc insurance mainly because of convincing premium benefits . This policy covers Cashless hospitalization, pre diseases coverage . Overall am satisfied with customer care and service. Am getting income tax benefits and the premium amount which am paying is quiet high , I make the payment through on line.
      Was this review helpful? 1
      , ahmedabad
      Reviewed on Jul 17, 2018
    • ICICI Lombard Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I took health insurance from Icici health insurance . I have choose this insurance mainly because of convincing premium with too many benefits . This policy covers Cashless hospitalization. , pre diseases coverage . Overall am satisfied with customer care and service. Am getting income tax benefits
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 17, 2018
    • Star Health Health Insurance
      "Best service"
      0.5 5.0/5 "Blown Away!"
      I took health insurance from Star health insurance . I have choose this insurance mainly because of convincing premium with too many benefits . This policy covers Cashless hospitalization , pre diseases coverage . Overall am satisfied with customer care and service. Am getting income tax benefits
      Was this review helpful? 1
      , vadodara
      Reviewed on Jul 17, 2018
    • review Health Insurance
      "Not satisfied"
      0.5 1.0/5 "Really Bad"
      I took health insurance from Iffco tokio health insurance . I have choose this insurance mainly because of convincing premium amount . I have closed this insurance as they told it cover pre disease coverage . During claim process , there is no proper response from the customer service and response .
      Was this review helpful? 0
      , vadodara
      Reviewed on Jul 17, 2018
    • New India Health Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      I've a health insurance policy which is provided by the employer in partnership with the New India Insurance . The company is paying the premium, so far there hasn't been any claim experience with the policy. It offers 10 lacs hospitalization coverage and a whopping 1 Crore accidental benefits. Considering the features and benefits it is recommendable health insurance policy to have.
      Was this review helpful? 1
      , mumbai
      Reviewed on Jul 16, 2018
    • Bajaj Allianz Health Insurance
      "Useful Service"
      0.5 4.0/5 "Great!"
      I've an employer provided insurance policy with the Bajaj Allainz. The company is paying the premium, I do have a claim experience with the policy where I claimed 100% amount needed for the treatment. It was a cashless treatment and the whole process was smooth and hassle free.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jul 16, 2018
    • National Insurance Health Insurance
      "Good Service so far"
      0.5 4.0/5 "Great!"
      I've a health insurance policy with the National Insurance. It offers an annual Coverage of 3 lacs, the policy covers me and my parents and I do not have any claim experience with the policy so far. I never had any issues with their services.
      Was this review helpful? 1
      , gurgaon
      Reviewed on Jul 14, 2018
    • ICICI Lombard Health Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      I've a health insurance policy with the ICICI Lombard. It took almost one month to receive the policy document soft copy. I am paying a premium of 650 per month. They're yet to send me the hard copy. Overall it hasn't been a good experience with the policy so far.
      Was this review helpful? 0
      , delhi
      Reviewed on Jul 14, 2018
    • Reliance General Health Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've been using the Health Insurance policy from the Reliance General Insurance. The company is paying the premium. The policy covers me and my parents. The policy offers an annual coverage of 5 lacs for me and 2 lacs for my parents. So fat I do not have any claim experience with the policy.
      Was this review helpful? 1
      , bangalore
      Reviewed on Jul 14, 2018
    • HDFC Ergo Health Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've an employer provided health insurance policy with the HDFC Ergo. It offers an annual coverage 5 lacs, the company is paying the premium. I do have any claim experience with the policy. I have claimed this policy two times for me and wife both they approved. The claim processing was really easy and they settled almost 30000.
      Was this review helpful? 0
      , pune
      Reviewed on Jul 14, 2018
    • Apollo Munich Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insured with Apollo Munich from more than 10 years and it is an individual policy. I am happy with the coverage value of this insurance policy. I have not claimed anything so far from this insurance policy and the policy is covered up to Rs 3-4 lakhs.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 13, 2018
    • Max Bupa Health Insurance
      "Don't buy health insurance from Max Bupa"
      0.5 0.5/5 "Unacceptable"
      I have taken policy for brother. while playing he suffered from knee injury. During hospitalization doctor suggested for ligament operation. After that we applied for cashless but max bupa rejected cashless and suggested for reimbursement. After hospitalization we submitted all claim document. max bupa send message that within 21 days claim will approved. Now after 40 days also claim is not approved and showing Suspense status . after that i checked review from many website, i come to know that max bupa claim ration is zero. This is fake company who not settle any claim. Below are my claim details: Claim Number: 339012 Final Status: Suspense Claim Decision Date: Saturday, June 9, 2018 12:00 AM
      Was this review helpful? 1
      , pune
      Reviewed on Jul 12, 2018
    • Star Health Health Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have a health insurance policy with Star health from last 7 years and it is one of the good insurance policy. I pay a premium of Rs 10000 for this insurance and it is a family heath policy. My claim experience was good and i have claimed 2 times. The coverage value was 90% and it was a cashless treatment.
      Was this review helpful? 1
      , ahmedabad
      Reviewed on Jul 12, 2018
    • United India Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insured with United India Insurance from last 15 years, i am happy with the coverage value of this insurance policy. I have no claim experience so far with this insurance policy. This is a family policy so the coverage value is Rs 3 lakhs.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Jul 12, 2018
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