What is the waiting period?

The stated initial waiting period is 90 days for List A and 180 days for List B. Refer to the current policy wording and issued schedule.

What is the survival period?

The insurer advertises a 15-day survival period following diagnosis, subject to the policy wording.

What is the starting premium?

The advertised starting premium is ₹8,023 per year. Your actual premium may differ depending on eligibility and selected cover.

Does every diagnosis qualify for a claim?

No. The diagnosis must meet the policy’s exact medical definition and all waiting periods, survival conditions, exclusions and other terms must be satisfied.

Does Plan 3 include the Plan 2 illnesses?

The insurer describes Plan 3 as including the 50 List A illnesses covered by Plan 2, plus 14 additional List B conditions and procedures.

Activ Secure Critical Illness All-Round Protection: 64 Conditions

Activ Secure Critical Illness - All-Round Protection Overview

Activ Secure Critical Illness - All-Round Protection is the third variant of Aditya Birla Health Insurance’s Activ Secure critical illness product. It covers 64 specified critical illnesses and procedures, grouped into List A and List B. Benefits depend on the diagnosis, the applicable medical definition, waiting period, survival period, exclusions and policy conditions.

64 critical illnesses and procedures with separate List A and List B benefits

Expert Review of Activ Secure Critical Illness - All-Round Protection

This variant extends the 50-condition List A protection available under Plan 2 with 14 additional List B conditions and procedures. A qualifying List A claim pays 100% of the sum insured. A qualifying List B claim pays 50% of the sum insured or ₹10 lakh, whichever is lower. The policy wording describes different waiting periods for List A and List B. Review the issued policy schedule and full definitions before relying on any benefit.

Pros

Covers 64 critical illnesses and procedures, the widest of the three Activ Secure CI plans (20 and 50 illnesses in the other two).
List A illnesses (50 conditions) pay 100% of the sum insured as a lump sum on a qualifying claim.
Cover for the remaining List B illnesses continues even after a List B claim has been paid.
More than one claim is possible across illnesses, with total payouts capped at 150% of the sum insured.
Includes a wellness coach for nutrition, fitness and lifestyle, and a second e-opinion from a panel of medical practitioners.

Cons

List B illnesses (14 conditions) pay only 50% of the sum insured or ₹10 lakh, whichever is lower.
Initial waiting period of 90 days for List A and 180 days for List B, so no claim is payable for these illnesses in that window.
Survival period applies (15 days as per our card data), and the benefit is payable only if the insured survives it.
Pays a fixed lump sum on diagnosis and does not reimburse hospital bills, so it works only as a complement to a regular health plan.
Minimum entry age is 18 years and maximum is 65 years, so children and older applicants cannot buy this plan.

About Aditya Birla (Insurer Profile)

Aditya Birla

Key Insights

Founded

2015

Aditya Birla was established 11 years ago and has built strong credibility over time, backed by its long-standing presence in the market.

Claims Experience

96.5% CSR, calculated as a 3-year average

Aditya Birla settles 96.5% of all claims it receives, demonstrating strong credibility.

Contact Details

1800 270 7000

Headquarters: 9th Floor, Tower 1, One World Centre, Jupiter Mills Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai, Maharashtra 400013

Activ Secure Critical Illness - All-Round Protection Features and Benefits

64 specified conditions and procedures

The variant combines 50 List A conditions with 14 additional List B conditions and procedures.

The exact medical definitions in the policy wording apply.

List A lump-sum benefit

A qualifying List A diagnosis can pay 100% of the sum insured.

Subject to waiting period, survival period and policy terms.

List B benefit

A qualifying List B diagnosis can pay 50% of the sum insured or ₹10 lakh, whichever is lower.

The policy may continue for other eligible List B conditions after a List B claim, subject to policy terms.

Separate waiting periods

The stated initial waiting periods are 90 days for List A and 180 days for List B.

Verify the issued policy schedule and applicable wording.

15-day survival period

The policy specifies a 15-day survival period following diagnosis.

Claims remain subject to all policy conditions.

Advertised starting premium

The insurer advertises a starting premium of ₹8,023 per year for Plan 3.

Actual pricing depends on eligibility and selected cover.

Add-ons of Activ Secure Critical Illness - All-Round Protection

Second e-opinion

An optional second medical opinion may be available for critical illness.

Confirm availability and terms at purchase.

Wellness coach

A wellness-coach service may be available as an optional cover.

Confirm availability and terms at purchase.

What Activ Secure Critical Illness - All-Round Protection Does Not Cover (Exclusions)

Conditions or treatments that the policy clearly says it will not cover.

Pre-existing diseases and any illness related to a pre-existing condition.
Any critical illness diagnosed or first manifesting within the initial waiting period (90 days for List A, 180 days for List B).
Illnesses that are not part of the 64 specified critical illnesses and procedures, or that do not meet the policy definition of the listed condition.
Intentional self-injury, suicide attempt, or injury caused by war, invasion or hostilities.
Conditions arising from alcohol or drug abuse, or from taking drugs not prescribed by a medical practitioner.
Congenital internal or external diseases and defects, and illness caused by participation in hazardous or adventure activities.

Disclaimer: For illustration purposes only - exact terms are in the policy wording.

Specific Illness Waiting Period in Activ Secure Critical Illness - All-Round Protection

The plan includes 50 List A illnesses/procedures and 14 additional List B illnesses/procedures. Each condition must meet the insurer’s exact definition. List A benefits are 100% of sum insured; List B benefits are 50% of sum insured or ₹10 lakh, whichever is lower.

Cancer of Specified Severity
Myocardial Infarction (First Heart Attack of specific severity)
Open Chest CABG
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
Multiple Sclerosis With Persisting Symptoms
Coma of Specified Severity
Motor Neuron Disease With Permanent Symptoms
Third Degree Burns
Deafness
Loss of Speech
Aplastic Anaemia
End Stage Liver Failure
End Stage Lung Failure
Bacterial Meningitis
Fulminant Hepatitis
Muscular Dystrophy
Parkinson’s disease
Benign Brain Tumor
Alzheimer’s Disease
Aorta Graft Surgery
Loss of Limbs
Blindness
Primary (Idiopathic) Pulmonary Hypertension
Apallic Syndrome or Persistent Vegetative State (PVS)
Encephalitis
Chronic Relapsing Pancreatitis
Major Head Trauma
Medullary Cystic Disease
Poliomyelitis
Systemic Lupus Erythematous
Brain Surgery
Severe Rheumatoid Arthritis
Creutzfeldt-Jakob disease
Hemiplegia
Tuberculosis Meningitis
Dissecting Aortic aneurysm
Progressive Supranuclear Palsy – resulting in permanent symptoms
Myasthenia Gravis
Infective Endocarditis
Pheochromocytoma
Eisenmenger's Syndrome
Chronic Adrenal Insufficiency
Progressive Scleroderma
Elephantiasis
Brain surgery and benign brain tumour are explicitly cited by the insurer as examples of additional Plan 2 cover; verify exact wording against the policy list.
Tuberculosis is explicitly cited by the insurer as an example of additional Plan 2 cover; verify the exact covered condition and wording before publishing it as a separate illness entry.
Angioplasty — List B; subject to the policy definition.
Pericardectomy — List B; subject to the policy definition.
Ovarian tumour of borderline malignancy/low malignant potential requiring surgical removal of an ovary — List B; subject to the policy definition.
Keyhole coronary surgery — List B; subject to the policy definition.
Severe Crohn’s disease surgically treated — List B; subject to the policy definition.
Cardiac defibrillator insertion or cardiac pacemaker insertion — List B; subject to the policy definition.
Carcinoma in situ of the cervix uteri requiring treatment with hysterectomy — List B; subject to the policy definition.
Carcinoma in situ of the urinary bladder — List B; subject to the policy definition.
Carotid artery surgery — List B; subject to the policy definition.
Ductal or lobular carcinoma in situ of the breast with specified treatment — List B; subject to the policy definition.
Small bowel transplant — List B; subject to the policy definition.
Severe ulcerative colitis requiring surgery to remove the entire large bowel — List B; subject to the policy definition.
Testicular carcinoma in situ requiring surgery to remove at least one testicle — List B; subject to the policy definition.
Surgical removal of an eyeball — List B; subject to the policy definition.

Activ Secure Critical Illness - All-Round Protection FAQs

How many conditions does Plan 3 cover?

The insurer advertises 64 specified critical illnesses and procedures, divided into 50 List A and 14 List B entries. The policy definitions determine whether a claim qualifies.

What is the List A benefit?

A qualifying List A diagnosis can pay 100% of the sum insured, subject to policy terms.

What is the List B benefit?

A qualifying List B diagnosis can pay 50% of the sum insured or ₹10 lakh, whichever is lower, subject to policy terms.