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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 6394 users
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Activ Secure-Critical Illness Plan Reviews

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  • United India Health Insurance
    "Very Good Policy"
    0.5 5.0/5 "Blown Away!"
    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%.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Dec 06, 2019
  • Star Health
    Star Health Health Insurance
    "Best policy"
    0.5 3.0/5 "Satisfactory"
    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.
    Was this review helpful? 0
    , hospet
    Reviewed on Dec 05, 2019
  • ICICI Lombard Health Insurance
    "Good service"
    0.5 5.0/5 "Blown Away!"
    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.
    Was this review helpful? 0
    , vijayawada
    Reviewed on Dec 05, 2019
  • SBI General Health Insurance
    "Average Policy"
    0.5 3.0/5 "Satisfactory"
    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.
    Was this review helpful? 0
    , bangalore
    Reviewed on Dec 05, 2019
  • Bajaj Allianz Health Insurance
    "Good"
    0.5 3.0/5 "Satisfactory"
    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.
    Was this review helpful? 0
    , medak
    Reviewed on Dec 04, 2019
  • review Health Insurance
    "Safety Policy"
    0.5 4.0/5 "Great!"
    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.
    Was this review helpful? 0
    , dindigul
    Reviewed on Dec 03, 2019
  • Royal Sundaram Health Insurance
    "Good"
    0.5 4.0/5 "Great!"
    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.
    Was this review helpful? 1
    , coimbatore
    Reviewed on Nov 29, 2019
  • review Health Insurance
    "Best mediclaim"
    0.5 5.0/5 "Blown Away!"
    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.
    Was this review helpful? 0
    , coimbatore
    Reviewed on Nov 29, 2019
  • Oriental Insurance Health Insurance
    "Best policy"
    0.5 5.0/5 "Blown Away!"
    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.
    Was this review helpful? 0
    , rajahmundry
    Reviewed on Nov 28, 2019
  • Star Health Health Insurance
    "Average"
    0.5 4.5/5 "Excellent!"
    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.
    Was this review helpful? 0
    , mumbai
    Reviewed on Nov 28, 2019
  • ICICI Lombard Health Insurance
    "Best policy"
    0.5 4.0/5 "Great!"
    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.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Nov 27, 2019
  • Star Health Health Insurance
    "Safety policy for family"
    0.5 5.0/5 "Blown Away!"
    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.
    Was this review helpful? 0
    , tirupur
    Reviewed on Nov 26, 2019
  • Star Health Health Insurance
    "Best health policy"
    0.5 5.0/5 "Blown Away!"
    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.
    Was this review helpful? 0
    , coimbatore
    Reviewed on Nov 25, 2019
  • Religare Health Insurance
    "Quite costly but good policy"
    0.5 4.0/5 "Great!"
    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.
    Was this review helpful? 0
    , mumbai
    Reviewed on Nov 25, 2019
  • Royal Sundaram Health Insurance
    "Better Policy for insurance"
    0.5 3.0/5 "Satisfactory"
    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.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Nov 25, 2019
  • Bajaj Allianz Health Insurance
    "Better Policy"
    0.5 4.0/5 "Great!"
    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.
    Was this review helpful? 0
    , navi mumbai
    Reviewed on Nov 25, 2019
  • New India Health Insurance
    "Best policy"
    0.5 4.0/5 "Great!"
    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.
    Was this review helpful? 0
    , chennai
    Reviewed on Nov 24, 2019
  • review Health Insurance
    "Best mediclaim"
    0.5 5.0/5 "Blown Away!"
    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.
    Was this review helpful? 0
    , salem
    Reviewed on Nov 24, 2019
  • HDFC Ergo Health Insurance
    "Best Insurance policy"
    0.5 4.0/5 "Great!"
    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.
    Was this review helpful? 0
    , chennai
    Reviewed on Nov 22, 2019
  • Royal Sundaram Health Insurance
    "Good Insurance "
    0.5 4.0/5 "Great!"
    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.
    Was this review helpful? 0
    , chennai
    Reviewed on Nov 22, 2019
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