Aditya Birla Health Insurance forays into ‘Comprehensive Protecting Solutions’ with‘Activ Secure’

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The product aims at offering blend of need-based health insurance solutions for Critical Illness, Cancer & Personal Accident

Aditya Birla Health Insurance Co. Limited. (ABHICL), the Health Insurance arm of Aditya Birla Capital Limited, a significant non-bank financial services company, presents‘Activ Secure’ – through which it has effectively forayed into the Retail Fixed Benefit product category.

After an overwhelming response of ABHICL’s flagship product ‘Activ Health’, the company has crafted another unique health insurance solution which provides holistic coverage.

‘Activ Secure’ is an umbrella which offers variants like – Critical Illness, Cancer Secure and Personal Accident. The customer can buy comprehensive coverage for all potential incidences in a single purchase process under one policy and ensure protection for their family against uncertainties of life.

Commenting on ‘Activ Secure’ Mr. Mayank Bathwal, CEO ABHICL said,this insurance solution provides benefits of protecting health through customized offerings. We have packaged the product considering the rising protection demands of customers in today’s time. Moving a step further from our flagship product Activ Health which focussed on healthy living of individuals, we now aim to focus towards empowering people through protection against the various unforeseen uncertainties of life through our offering – ‘Activ Secure’.”

Activ Secure – Critical Illness 

  • Complete protection for 64 major critical illnesses in one of our plans
  • Lump sum payout upfront between 1 lakh to 1 crore
  • Low survival period of 15 days following diagnosis
  • Payout of maximum 150% of Sum Insured for more than one critical illness
  • Option of a second e-opinion and wellness coach

Activ Secure – Critical Illness ensures protection of an individual’s future a­fter a critical illness. When a person falls critically ill, this product provides a lump sum payment upfront, so that there is no need to worry about the future.

Eligibility criteria
Age Minimum age Plan 1 & 2 – 5 years / Plan 3 – 18 years,

Maximum age – 65 years, Proposer’s Minimum age – 18 years

Term 1, 2 and 3 years
RelationshipsCovered Self, spouse, up to 4 children, up to 2 parents and up to 2 in-laws
Individual Policy 100% of sum insured
 

 

Eligibility for Sum Insured

 

Non-earning spouse –upto 50% of Proposer’s sum insured or 30 Lacs, whichever is lower

Non-earning Parents/In-laws –upto 50% of Proposer’s sum insured or10 Lakhs whichever is lower.

Children –upto 50% of Proposer’s sum insured or 15 Lacs whichever is lower

Activ Secure – Cancer Secure

  • Cover for every stage of cancer, be it minor, major or advanced
  • Staged Cancer cover with claim payout on early stage (50% of Sum Insured), major Stage (100% of Sum Insured) and advanced Stage (150% of Sum Insured)
  • Additional payout of 100% on major stage cancer in spite of having claimed for an early stage with a payout of 50% of sum insured
  • Low survival period of 7 days following diagnosis
  • Option of Second E-opinion and wellness coach to help you reclaim your health

Activ Secure – Cancer Secure is specially designed to protect yourself and your family financially through every stage of cancer.

Key Features
Sum Insured

5 Lakhs, 6 Lakhs, 7 Lakhs, 8 Lakhs, 9 Lakhs, 10 Lakhs, 15 Lakhs, 25 Lakhs, 30 Lakhs, 40 Lakhs,

50 Lakhs, 1 Cr

Cancer Care Cover

Early: 50% sum insured, maximum upto 10 Lakhs,

Major: 100% sum insured,

Advanced: First detected atmetastatic stage (cancer spreading to other organs of body) – 150% of sum insured

Initial Waiting Period: 90 days (180 days for early stage)
Survival Period: 7 Days
Cancer Cumulative Bonus: 10% per claim – free year, maximum: 100% of sum insured
Second E Opinion and wellness coach (optional): Available
Payout Option: Lump sum payout

 

Eligibility criteria
Age Minimum age Min entry age – 18 years,

Maximum age – 65 years,

Proposer’s Minimum age – 18 years

Term 1, 2 and 3 years
Relationships  Covered Self, spouse, up to 4 children, up to 2 parents and up to 2 in-laws
Individual Policy 100% of sum insured
 

 

 

Eligibility for Sum Insured

 

·    Non-Earning spouse –upto 50% of Proposer’s sum insured or 30 Lacs, whichever is lower

·    Non-earning Parents/In-laws –upto 50% of Proposer’s sum insured or

10 Lakhs whichever is lower.

·    Children –upto 50% of Proposer’s sum insured or 15 Lacs whichever is lower

‘Activ Secure’ – Personal Accident

  • Complete protection for you and your family against death and disablement
  • Education and orphan benefit for dependent children
  • Ambulance and funeral expenses
  • 5% cumulative bonus leading to increased protection every year
  • Various optional covers to enhance protection

‘Activ Secure’ – Personal Accident is designed to give an individual and his family protection and financial backing as and when required in case of an unfortunate accident.

Some Optional covers

  • Additional lump sum payout in case of broken bones, coma or burns
  • Protection in the event of accidents caused during adventure sports related activities
  • Protection against income loss and loan instruments
  • Domestic and International evacuation and repatriation cover (including Air Ambulance)
Eligibility criteria
 

 

Age

 

Minimum age 5 years,

Maximum age – 65 years, Proposer’s Coverage under Temporary Total Disablement benefit can’t be renewed post 70 years

Term 1, 2 and 3 years
Relationships covered Self, spouse, up to 4 children, up to 2 parents and up to 2 in-laws
Individual Policy 100% of sum insured
 

Eligibility for Sum Insured

 

·    Non-Earning spouse/ Parents / In-laws – 100% of Proposer’s sum insured or 30 Lacs, whichever is lower

·    Children – 100% of Proposer’s sum insured or `15 Lacs whichever is lower