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 |
