Aditya Birla Critical Illness Insurance Plans
Critical illness insurance is a must for almost every household. An actual story will help you get the context like nothing else. Ravi was a man of 50 who was otherwise doing well in his career. He had two young children and his spouse along with an elderly mother at home. However, his lifestyle habits, i.e., eating late, consuming junk food, excessive alcohol consumption and huge stress, led to him falling ill suddenly. A visit to the doctor confirmed that he had been diagnosed with kidney failure, a critical illness which could prove fatal if it was not treated suitably.
After getting admitted into hospital, he found that his basic healthcare coverage was insufficient to meet the spiraling costs of treatment which went up to several lakhs in the bargain. This put a severe strain on the family, with them having to dip into their entire savings to meet the treatment cost. It also took a toll on not only the patient but the entire family from a mental perspective. Do you want something similar to happen? No right? You should thus consider getting Aditya Birla critical illness insurance plans instead.
Key Highlights of Aditya Birla Critical Illness Insurance
- The Aditya Birla critical illness insurance policy comes with internal COVID-19 coverage.
- The claim settlement ratio stands at 70.81%.
- The best part about opting for critical illness insurance Aditya Birla is the in-house settlement facility for claims, ensuring speedier services for customers.
- There is a network of more than 6,000 partner hospitals for policyholders to choose from.
- A total of 1,86,244 policies (and counting) have been sold till date.
- Lifetime renewability is possible for the Birla Sun Life critical illness policy.
Learn more about the Aditya Birla Critical Illness Insurance
As you will learn from the Aditya Birla critical illness plan brochure, the policy offers coverage for various kinds of critical and life-threatening illnesses which may be costly to treat otherwise. Aditya Birla Health Insurance Critical Illness has been designed specifically to offer coverage for ailments which are minor or major alike.
Best Aditya Birla Critical Illness Health Insurance Plans
- Aditya Birla Activ Secure- Critical Illness: This critical illness insurance plan is tailored especially for people who have been diagnosed with any of the illnesses which have been listed. Those who are between 5-65 years of age may have coverage under the policy for the sum insured options which hover between Rs.1 lakh and Rs. 1 crore. This policy has three variants in all, namely Plans 1, 2 and 3. The policy has helped insured policyholders get relief from spending their money on costly healthcare plans and treatments for ailments of a life-threatening nature. The critical illnesses covered include cancer, strokes, heart attacks, angioplasty, hysterectomy and the failure of the kidneys.
- Cancer Secure: The Aditya Birla Cancer Secure plan is essentially a policy with fixed benefits, ensuring complete financial support for customers if they get diagnosed with cancer. This is a helpful policy which pays out a lump sum to the customer in case of diagnosis of any advanced, early or major stage of cancer. People between the ages of 18 and 65 may purchase this policy without any hassles. It has options for the sum insured that range between Rs. 5 lakh and Rs. 1 crore. There are a couple of add-on coverage benefits including another medical opinion for the policyholder and wellness coaches. These may be secured through the payment of an additional premium.
Advantages of the Aditya Birla Critical Illness Insurance Plans
The key feature of these policies is their coverage for complex surgical treatments and other therapies which are not otherwise included in the plans of most health insurers. This may prove to be a key advantage for policyholders. As part of the Activ Secure policy, the company pays a handsome 150% of the amount insured for more than a single critical ailment/illness. The customer may retain coverage even after getting the lump sum amount for a single critical illness.
Some features also include renewability options for a lifetime as mentioned and also the option to portably switch the plan to another. There is personalized guidance and health advice along with a wellness coach and fully cashless treatment at all network hospitals. Customers can enjoy a smooth claim settlement system with the company as well. There are handsome tax deductions available under Section 80D for them too.
Conclusion
If you read the story above and possess a regular health insurance plan, then you should go for a critical illness policy to avoid any such scenario in the future. Active Secure comes with a minimum age criterion of 5 years and a maximum limit of 65 years. The age threshold is 18-65 years for the Cancer Secure plan. The latter offers a sum insured up to Rs. 5 lakh while the former offers a sum insured amount of Rs. 1 lakh.
