Aditya Birla Critical Illness Plans

A standard health insurance plan suffices the needs and requirements of a healthy individual. It covers basic services like pre and post-hospitalization, in-patient charges, domiciliary expenses, ambulance charges, and a lot more. The sum assured under such plans is usually decided on the basis of a person’s financial ability to pay the premiums. But, in certain cases like critical diseases, these health insurance plans may not pose to be as effective as they should be. The sum assured might not be sufficient to meet the needs as the medical costs of treatments for critical diseases is high and can drain your entire financial savings. 

To support individuals in cases like that of critical disease, the insurance companies have rolled out  critical illness health insurance plans which are specifically meant to support the medical expenses in case of hospitalization due to critical disorders. Critical diseases like cancer, kidney failure, tumors, organ transplants, etc can cost you a fortune, and therefore to medically face them you need a monetary backup that can ensure your quality treatment during the hospitalization. 

Aditya Birla Health Insurance 

Aditya Birla Health Insurance is a product of Aditya Birla Capital Limited and is famous for providing its customers with a wide variety of health insurance covers that can meet their requirements at an affordable cost. It makes sure that the customers get access to several benefits like cover for ambulance charges, AYUSH treatments, cashless treatments, and a lot more. Let us look at some of the standard features of Aditya Birla Health Insurance: 

• To provide its customers the facility of cashless treatments, the company has a network of around 6000+ linked hospitals. 
• The company has a claim settlement ratio of 70.81% in FY 2019-20. 
• Lifelong renewability of policies is available for the policyholders by the insurer. 
• COVID-19 covers are available to deal with the medical expenses incurred from the treatment of coronavirus disease. 

Critical Illness Plans By Aditya Birla Health Insurance 

Aditya Birla’s critical illness plans are specifically meant to meet the medical expenses from the treatment of critical disorders, which are usually expensive. These plans help you to tackle the financial drain of savings that might occur from the treatment of critical diseases in a private hospital. Let us look at some of the commonly bought critical illness plans by Aditya Birla health insurance firm: 

1. Cancer Secure Plan

This cancer secure plan by Aditya Birla health insurance company is a fixed benefit critical illness policy. This policy is meant to provide assistance to the policyholder diagnosed with cancer of early, major or advanced stage. People between the age of 18 to 65 years can buy this cover with the sum assured ranging from Rs. 5 Lakh to Rs. 1 Crore. Wellness coach and second medical opinion are the two top-up benefits that are provided by the insurer on this health insurance cover. 

2. Aditya Birla Activ Secure - Critical Illness

This critical illness plan is for individuals diagnosed with any of the critical diseases mentioned in the policy-related documents by the insurer. People from the age of 5 to 65 years can be included under this cover with the sum assured of Rs. 1 Lakh to Rs. 1 Crore. Many critical diseases like stroke, cancer, heart attack, kidney failure, etc are covered under this plan. Available in different variants, this critical illness policy is meant to save your finances from getting drained in the hospitals while seeking treatment for a critical disorder. 

Features of An Aditya Birla Critical Illness Policy 

Following are the prominent features of critical illness policies by Aditya Birla Health Insurance: 

• Option to port your critical illness cover, if not satisfies by the services of the existing cover. 
• Cashless treatment at the network hospital of the insurer. 
• Hassle-free and smooth claim settlement process with the support of the hard-working team of Aditya Birla Health Insurance. 
• Personalized health advice facility offered by the insurer. 
• Tax deduction benefits under section 80D of the Income Tax Act.

Conclusion 

You must buy a critical illness insurance policy if you or your loved ones have been diagnosed with any kind of critical disorder. You must always check that the critical illness you are seeking treatment for, has been included in your purchased health insurance policy. It is crucial to go through the terms and conditions of your health insurance plan during the free-look period offered by the insurer. 

Must Read: Advantages of Buying Aditya Birla Health Insurance Plans

Air Ambulance Benefits in Aditya Birla Activ Assure Diamond Plan

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.