Activ Secure - Critical Illness

Financial support for up to 64 critical illnesses and wellness rewards.

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Plan Overview

The Activ Secure - Critical Illness plan by Aditya Birla Capital offers comprehensive coverage against life-threatening diseases. With flexible sum insured options and a reward-based wellness program, it ensures you have both the financial means for recovery and an incentive for a healthy lifestyle.

Key Features

Coverage for 64 Illnesses

Comprehensive protection covering major diseases across three plan variants.

HealthReturns™

Earn rewards up to 30% of your premium for maintaining an active and healthy lifestyle.

Short Survival Period

Claims are payable if the insured survives for just 15 days post-diagnosis.

Lump Sum Benefit

Receive 100% of the sum insured as a lump sum payout upon diagnosis.

Eligibility & Key Highlights

Eligibility Criteria
  • Entry Age: 5-65 years (Plans 1 & 2), 18-65 years (Plan 3)
  • Sum Insured: Up to ₹1 Crore
  • Renewability: Lifetime renewal
Plan Highlights
  • Waiting Period: 90 days initial waiting period
  • Survival Period: 15 days post-diagnosis
  • Wellness Coach: Personalized health coaching included

Comprehensive Policy Benefits

Covers 20 major critical illnesses including:

  • Cancer of Specified Severity
  • First Heart Attack
  • Kidney Failure requiring Dialysis
  • Major Organ/Bone Marrow Transplant
  • Stroke resulting in Permanent Symptoms
  • Permanent Paralysis of Limbs

Covers all 20 illnesses in Plan 1, plus 30 additional conditions such as:

  • Benign Brain Tumor
  • Brain Surgery
  • End Stage Lung Failure
  • End Stage Liver Failure
  • Third Degree Burns
  • Loss of Speech/Limbs

Comprehensive coverage for 64 illnesses, including Plan 2 coverage plus:

  • Angioplasty
  • Insertion of Pacemaker
  • Hysterectomy
  • Craniotomy
  • Laminectomy

  • Second E-Opinion: Expert medical opinion for critical illnesses.
  • Wellness Coach: Guidance on nutrition and fitness.
  • HealthReturns™: Earn rewards for healthy living.

Permanent Exclusions

General exclusions under the policy:

  • Sexually transmitted diseases, HIV/AIDS.
  • Intentional self-inflicted injury or suicide attempt.
  • Abuse of intoxicants, drugs, or alcohol.
  • Congenital external diseases or defects.
  • War, civil war, or breach of law with criminal intent.

Downloads & Resources

Product Brochure
Detailed plan benefits and features
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