Aviva Health Secure is a purely healthcare insurance plan from Aviva, providing cover from 12 critical illnesses and procedures. The policy allows for a payment of a lump sum amount to the insured on being diagnosed with any of its covered illnesses.
The plan is easy to access as it can be purchased online. Protection under this plan begins 90 days after the date of policy commencement. After which, the insured can get their Sum Assured as a lump sum, provided they survived for at least 30 days after diagnosis has been confirmed.
Listed below are the various eligibility factors that you must meet to purchase Aviva Health Secure Plan:
|Minimum age at entry||18 years|
|Maximum age at entry||55 years|
|Minimum age at maturity||28 years|
|Maximum age at maturity||65 years|
|Minimum policy term||10 years|
|Maximum policy term||30 years|
The Sum Assured for Aviva Health Secure Plan can vary depending on the amount of premium the policyholder is willing to pay for the plan. The following table explains what is the Sum Assured in Aviva Health Secure Plan:
|Minimum Sum Assured||Rs.5 lakh|
|Maximum Sum Assured||Rs.50 lakh (including all Critical Illness coverage taking other policies into account)|
|Premium Rebate on High Amount of Sum Assured||
Where SA = Sum Assured.
Premium Range: The Sum Assured depends directly on the premium paid. Premiums can start from as low as Rs.2,000 p.a. The plan comes with two different payment modes - yearly and half-yearly.
The rates of Premium does not change in the first 5 years. But, the rates are reviewed at every 5 years of Policy fulfillment with approval from IRDA. Aviva performs such reviews at the beginning of the year and the new Premium rates are applicable for policies for which review is due in that particular year.
|Premium Payment Term (PPT)||Equal to the term of the policy.|
|Premium Payment Modes||Yearly and Half-yearly.|
|Minimum Annual Premium||Rs.2,000.|
|Minimum Half-yearly Premium||0.5108 x AP = Rs.1021.60|
*Premiums vary based on age, location, plan term, and other factors.
|Heart attack (first) of a specific severity||The first incidence of myocardial infarction or the death of a part of heart muscle due to inadequate blood flow to that area. The diagnosis for heart attack has to be evidenced by the following:
|Stroke leading to permanent damage||Neurological sequelae permanent in nature produced due to a cerebrovascular incident. This can include brain tissue infarction, intracranial vessel thrombosis, embolisation and haemorrhage from extracranial source. Needs confirmed diagnosis from a specialist medical practitioner, evidenced by usual clinical symptoms and findings in brain CT scan,MRI.|
|Cancer of a specific severity||Malignant tumour exhibiting uncontrolled growth and spreading by invasion/destruction of normal cells by malignant cells. Diagnosis of malignancy supported with histological evidence, confirmed by pathologist. Cancer can include lymphoma, leukemia, and sarcoma.|
|Kidney failure resulting in regular dialysis||Renal disease (end stage) showing irreversible chronic failure to function of both kidneys, the condition which requires either renal transplantation or regular dialysis (peritoneal or hemodialysis dialysis). Diagnosis to be confirmed by medical practitioner specializing in renal diseases.|
|Bone Marrow/Major Organ Transplant||The actual transplant of one of the following:
|CABG - Open Chest||Undergoing open chest surgery for correction of coronary arteries, one or multiple, which may be blocked or narrowed, using coronary artery bypass graft (CABG) technique. Diagnosis to be supported with coronary angiography and surgery requirement to be confirmed by a specialist doctor.|
|Brain Tumour of the Benign variety||Tumour of the benign formation in the brain or meninges, excluding skull and spinal cord. It also excludes cysts, malformations in brain arteries/veins abscesses, and haematomas. Smaller than 10 mm diameter pituitary microadenomas are excluded. Diagnosis to be confirmed by a specialist radiologist using neuro-radiological techniques.|
|Heart Valves Repair or Heart Replacement (Open)||Open-heart valve surgery to replace/repair heart valve(s), as a result of defects or abnormalities of, or disease affecting those valves. Diagnosis of valve abnormality to be supported by echocardiography and surgery to be recommended by medical practitioner specializing in cardiology. Catheter based techniques including balloon valvuloplasty/valvotomy excluded from the plan.|
|Motor Neurone Disease leading to Permanent Symptoms||Diagnosed with Motor Neurone Disease by medical practitioner specializing in this area. It can include spinal muscular atrophy, amyotrophic lateral sclerosis, progressive bulbar palsy or primary lateral sclerosis. There has to be evidence of corticospinal tracts, bulbar efferent neurons or anterior horn cells progressively degenerating. There also has to be permanent significant and current impairment of neurological functions with proof of motor dysfunction persisting over a period of minimum 3 months continuously.|
|Multiple Sclerosis with Continuing Symptoms||Confirmed diagnosis of of multiple sclerosis, supported by the following:
|Coma of a Specific Severity||Being in an unconsciousness state with zero response or reaction to internal requirements or external stimuli. Diagnosis has to be supported by proof of the following:
|Paralysis (Permanent) of Multiple Limbs||Irreversible and total loss of function of 2 or more limbs, resulting from an disease or injury of spinal cord or brain. The diagnosis needs to be confirmed by a specialist medical doctor who has to declare his/her opinion that this is permanent paralysis be with zero hope of recovery. The condition also must have persisted for more than 3 months.|
Suicide: No benefit will be paid to the Insured if he/she suffers from one of the listed Critical Illnesses as a direct or indirect result of attempted suicide made within a year from policy risk commencement date or the policy reinstatement date, whichever falls later.
Others: Besides disease specific exclusions, benefits will be excluded under the plan if a critical illness is caused or increased either as result of direct or indirect action of the following, unless beyond control:
Following are other key features of Aviva Health Secure Plan:
Tax deduction is available for Premiums paid for this plan under Section 80D of the Income Tax Act, 1961.
There are several other benefits of purchasing group insurance plans from Aviva India such as:
A Joint Venture between Dabur Invest Corp and Aviva International Holding Limited. It is a robustly growing company that has achieved many milestones, some of them being:
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