Does a waiting period apply?

Waiting and survival conditions may apply. Check the current policy wording and issued schedule for the exact durations.

Are all illnesses automatically covered?

No. The condition must match the policy definition and satisfy the applicable waiting periods, exclusions and claim requirements.

Activ Secure Critical Illness Base Protection: 20 Illnesses

Activ Secure Critical Illness - Base Protection Overview

Activ Secure Critical Illness - Base Protection is the 20-illness variant of Aditya Birla Health Insurance Activ Secure Critical Illness. It is designed to provide a lump-sum benefit when the insured is diagnosed with a specified covered critical illness and the claim satisfies the policy definitions and conditions.

Critical illness protection for 20 specified conditions

Expert Review of Activ Secure Critical Illness - Base Protection

This variant focuses on a defined list of critical illnesses. The payable benefit, eligibility, exclusions and claim requirements are governed by the current policy wording and issued schedule. Review the exact illness definitions and applicable waiting and survival periods before purchasing.

Pros

A lump-sum benefit can provide financial flexibility after a qualifying diagnosis.
The variant is advertised for 20 specified critical illnesses.
A defined illness list helps customers review the scope of cover.

Cons

Coverage is limited to the conditions and definitions stated in the policy.
Waiting periods, survival requirements and exclusions may affect claim eligibility.
The advertised starting premium is not a guaranteed quote for every customer.

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 - Base Protection Features and Benefits

Lump-sum critical illness benefit

A qualifying diagnosis of a covered illness may trigger a lump-sum payment.

Subject to the policy definitions, claim conditions and exclusions.

Defined illness list

The base variant is advertised as covering 20 specified critical illnesses.

The current policy wording determines the exact covered conditions.

Financial flexibility

A lump-sum payment can help the insured manage financial commitments during treatment and recovery.

This is a possible use of the payout, not a separate reimbursement benefit.

Policy-defined eligibility

Claims are assessed against the definitions and eligibility conditions in the policy wording.

Medical evidence and claim documentation may be required.

Waiting and survival conditions

The policy may require the applicable waiting and survival conditions to be satisfied.

Check the issued policy schedule for the exact durations.

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

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

A condition that does not satisfy the exact definition of a covered critical illness.
A claim that falls within an applicable waiting period, where the policy excludes it.
Pre-existing conditions or symptoms where excluded under the applicable policy terms.
Fraudulent or materially inaccurate information submitted in support of a claim.
Any other exclusion specifically listed in the applicable policy wording.

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

Specific Illness Waiting Period in Activ Secure Critical Illness - Base Protection

This variant is advertised as covering 20 specified critical illnesses. Each condition must meet the insurer’s definition, and claims remain subject to the policy’s waiting periods, exclusions and other conditions. The illness list below must be checked against the current policy wording before publication.

Cancer of Specified Severity
Myocardial Infarction (First Heart Attack of Specified 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

Activ Secure Critical Illness - Base Protection FAQs

How many illnesses does Base Protection cover?

The product variant is advertised as covering 20 specified critical illnesses. Refer to the current policy wording for the exact list.

How is the benefit paid?

A lump-sum benefit may be payable for a qualifying diagnosis, subject to the policy wording and claim conditions.

What is the starting premium?

The advertised starting premium is ₹5,463 per year. The actual premium may differ based on eligibility and policy terms.