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Aditya Birla Health Insurance Plans

Aditya Birla health insurance offers 2 health insurance plans. The premium of these plans starts from Rs. 5136/yr. The sum insured ranges from Rs. 1 Lakh - 1 Cr. Details of the comprehensive coverage provided by the following 2 Aditya Birla health insurance plans are listed below:

Aditya Birla Activ Secure Cancer Secure

Starting Premium- ₹ 5,136/yr

Cancer Secure plan offered by Aditya Birla Health Insurance Company is specifically designed to protect you financially against various types of and all stages of cancer.The policy provides coverage from minor to advanced stages of cancer. Usually, treatment of cancer can be intensive with various types of medical procedures to undergo such as chemotherapy, radiation and surgery which is not only painful but also very expensive.The policy pays out a lump sum benefit upon diagnosis of cancer irrespective of the stage. Basically,the policy helps you stay positive and focus on treatments without worrying about finances.

USP of Aditya Birla Activ Secure Cancer Secure plan

  1. Comprehensive coverage with payout at different stages of cancer –early, major and advanced stage
  2. The policy pays out a percentage of sum assured according to stages of cancer. 50% of the sum insured is paid at an early stage of cancer. Additional payout of 100% of the sum insured on major and 150% of the sum insured on the advanced stage of cancer in spite of having claimed for an early stage
  3. The policy comes with low survival period requirement of seven days from the date of diagnosis
  4. The policy provides an option to choose a wellness coach and recover faster with personalised health advice
  5. Cumulative bonus of 10% per claim free year is offered which can be accumulated up to a maximum of 100% of sum insured
  6. Wide range of coverage at an affordable rate of premium
  7. The policy offers an option to avail second e-opinion from insurance company’s panel of doctors.
  8. The policy offers flexibility to choose policy tenure – 1 year/2 years/3 years

Eligible Age

18 years - 65 years

PED Waiting Period

NA

Coverage

5 Lakh - 1 Cr

NCB

10% increase in cover;max upto 100%

Aditya Birla Activ Secure Critical Illness

Starting Premium- ₹ 5,463/yr

Developing a critical illness poses a greater risk and is challenging mentally, physically as well as financially. The best way to avail financial protection against such contingencies is by buying the right critical illness insurance plan. Aditya Birla Activ Secure Critical Illness plan offered by Aditya Birla Health Insurance Company is specially crafted to provide comprehensive coverage by including all the major critical illnesses. With 150% of sum insured payouts, the policy covers up to 64 critical illnesses.

  1. Flexibility to choose from three plan variants available
  • Plan 1 – covers 20 critical illnesses such as heart attack, cancer and kidney failure
  • Plan 2 – Along with 20 critical illnesses covered, it covers a total of 50 critical illnesses such as brain surgery, tuberculosis and benign brain tumour etc.
  • Plan 3 – covers 64 critical illnesses and procedures like pacemaker insertion, angioplasty and hysterectomy in addition to 50 critical illnesses covered in plan 2
  1. The policy comes with low survival period requirement of 15 days following the first diagnosis of critical illness
  2. Payout of maximum 150% of sum insured for more than one critical illness in our most comprehensive plan
  3. The policy provides an option of a wellness coach that helps you reclaim good health
  4. The policy continues even after paying for an early stage of critical cancer
  5. Comprehensive protection against various critical illnesses. 20 to 64 types of critical illnesses are covered depending on the plan chosen by you
  6. The policy offers an option to avail second e-opinion on diagnosed critical illnesses

Eligible Age

5 years - 65 years

PED Waiting Period

4 years

Coverage

1 Lakh - 1 Cr

NCB

NA

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FAQs

Domiciliary hospitalisation treatment refers to treatment taken at home which would otherwise have required hospitalisation. This could be due to patients conditions to unable to move to a hospital or due to unavailability of beds in hospitals

Following are the treatments/illnesses that are excluded under domiciliary hospitalisation cover

  • Asthma
  • Bronchitis
  • Diarrhoea and all types of dysenteries including gastroenteritis
  • Chronic Nephritis and Chronic Nephritic syndrome
  • Pyrexia of unknown origin for less than 10 days
  • Diabetes mellitus and Insipidus
  • Epilepsy
  • Hypertension
  • Influenza, cough and cold
  • Tonsillitis, Upper respiratory tract infection including laryngitis and Pharyngitis
  • Arthritis, Gout and Rheumatism
  • All psychiatric and psychosomatic disorders

Following are the major 11 critical illnesses covered under the Activ Health plan

  • Cancer of specified severity
  • Myocardial infarction (first heart attack of specified severity)
  • Open chest CABG
  • Coma of specified severity
  • Open heart replacement or repair of heart valves
  • Kidney failure requiring regular dialysis
  • Stroke resulting in permanent symptoms
  • Major organ/bone marrow transplant
  • Permanent paralysis of limbs
  • Motor neurone disease with permanent symptoms
  • Multiple sclerosis with persisting symptoms

Health insurance plans not only give comprehensive protection but also benefit you by saving a few amounts of tax. You can avail tax deduction on premiums paid towards health insurance plans taken for self, spouse, children and parents. Here are the details

Description

The maximum premium for self, spouse and dependent children     Maximum premium for parents (dependent/non-dependent) Total deductions available under Section 80D of IT Act
All members of the family < 60 years of age INR 25,000 INR 25,000 INR 50,000
Self, spouse and children < 60 years ageEither of the parents > 60 years age INR 25,000 INR 50,000 INR 75,000
Self > 60 years ageSpouse and children < 60 years of ageParents > 60 years age INR 50,000 INR 50,000 INR 1,00,000

 

Aditya Birla Health Insurance Company helps you focus on well-being and health management along with protection offered in the way of a diverse range of health insurance plans. Below are the wellness programs offered by the company

  • Activ together – you can subscribe to get valuable input on health & fitness, diet & nutrition and lifestyle conditions
  • Activ age – you can know your active age health-wise by filling in just a simple questionnaire. This would help you improve and maintain your good health
  • Healthy heart score – you can calculate heart score on their website. Aditya Birla Health Insurance policies reward you for maintaining a good score!
  • Activ Dayz – you can keep updating about your activities that promote good health and earn rewards.
  • HealthReturns – It is a monetary reward offered by Aditya Birla Health Insurance Company for staying fit and maintaining good health for each insured person.

Following are the major health services offered by Aditya Birla Health Insurance Company

  • Chronic care management program – This service comes as an in-built feature with Activ Health Platinum cover. In case an insured or his family members are suffering from chronic diseases like diabetes, blood pressure and cholesterol, the program helps them manage well to live a healthy life through experts help. Along with this, there is coverage offered for consultation with medical practitioners, diagnostic tests and medicines.
  • Wellness coaching –Under this service, insured is given personal coaching to maintain good health. Insured can seek coaching by various options like ask specialist, ask a doctor, ask a dietitian, doctor on call, a counsellor on call and smoke cessation.
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