Aviva Health Secure Plan

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.

Eligibility - Who is Aviva Health Secure Plan for?

Listed below are the various eligibility factors that you must meet to purchase Aviva Health Secure Plan:

Parameter	Values
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

Sum Assured and Premium Range - What you get and what it costs?

Sum Assured:

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:

Parameters	Values
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	Rs.10 lakh to Rs.25 lakh: Rs.0.90 per Rs.1000 SA. More than Rs.25 lakh: Rs.1.50 per Rs.1000 SA.

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.

Parameters	Values
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.

Plan Coverage - Aviva Health Secure Plan covers:

• Critical Illness Benefit: Aviva Health Secure Plan provides coverage against 12 of the most critical illnesses/conditions. It provides a lump sum equal to the policy Sum Assured on being positively diagnosed of one of the listed conditions. A policyholder is eligible for the Sum Assured if he/she survives a minimum of 30 days after the Critical Illness diagnosis has been made.
• Death, Surrender, Maturity Benefits: This plan is purely a health insurance policy, and thus, there’s no death benefit, surrender benefit or maturity benefit offered with this product.
• Critical Illnesses Covered: The following illnesses are covered under this policy:

Illness/Procedure	Definition
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: History of clinical symptoms typical for Acute Myocardial Infarction (for example, chest pain consistent with the heart attack symptoms). New electrocardiogram changes characteristic of Myocardial Infarction. Elevation of enzymes specific to infarction, such as Troponin or other typical biochemical markers.
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: Human organs like lung, heart, kidney, liver, pancreas, resulting from end-stage irreversible failure of that organ. Bone marrow transplant with haematopoietic stem cells. The need for a transplant to be confirmed by specialist doctor.
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: CSF and MRI clinical investigation findings, unequivocally confirming the diagnosis. Clinically shown current sensory or motor function impairment, persisting over a period of minimum 6 months continuously. Clinically well-documented history of remissions and exacerbations of symptoms, or neurological deficits with a minimum of 2 documented episodes minimum 1 month apart. Exclusions are neurological damages caused by the likes of HIV and SLE.
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: Continuous 96 hours of no response to stimuli internal or external. Life support devices necessary for continuation of life. Neurological deficit that is permanent in nature and which is assessed a minimum of 30 days after coma onset. Condition must be confirmed by a medical practitioner. Exclusion is coma due to a direct result of excessive alcohol consumption or drug overdose while abusing.
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.

Exclusions - What the Aviva Health Secure Plan doesn’t include?

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:

• Alcohol/drug or any other substance that has not been prescribed by or taken according to the prescribed dosage of a registered doctor.
• Committing a criminal offence or any law-breaching activity or any activity with criminal intent.
• Failure to seek medical advice or to follow medical instructions when provided.
• Attempt at self-injury, regardless of whether the actions are deemed insane or sane.
• Any form of civil war, riot, war, rebellion, invasion, insurrection, social disorder, any willful participation in violent acts.
• Radioactive contamination due to a nuclear accident.
• Any functional or mental disorder, the definitions being:
  • Mental disorder: Any clinically noteworthy psychological or behavioural syndrome typically characterised by distressing symptoms, functional impairment or significant increase in risk of pain, death, or disability.
  • Functional disorder: A physiological function disorder without any organic basis known about.
• Participating/training for any hazardous sport/competition or taking part in any type of competition or race like parachuting, mountaineering and paragliding.
• Any condition, injury or ailment or related condition for which the insured member had shown symptoms/signs, been diagnosed, or received medical treatment/advice within the 48 months span before the commencement/reinstatement of Aviva Health Secure Plan.

Other Key Features – Free Look Period, Surrender Values, Policy Revival, etc.

Following are other key features of Aviva Health Secure Plan:

• Free look period: Policyholders get a free look period of 30 days (if the policy is issued following IRDAI Guidelines on Distance Marketing of Insurance Products) from the day of receiving the Rider. If the Rider Life Assured is unhappy with the terms and conditions for whatever reason, they can send a written notice to Aviva asking for a cancellation and stating the reasons for it.
• Grace period: Policyholders get a period of 30 days as grace from the day the Premium is due to pay up the Premium without interest. If the policyholder fails to pay the Premium within this grace period, their Policy lapses and cover ceases immediately.
• Policy Reinstatement: If the policy is within Policy Term, a lapsed Aviva Health Secure plan can be revived within 1 year from first unpaid Premium date. In order to do so however, policyholder must submit continued insurability proof to Aviva India and make all pending Premium payments. Aviva reserves the right to accept or reject a policy reinstatement request and/or impose an extra Premium amount. The policyholder also has to pay a revival fees of Rs.250 for the Lapsed Policy. If the Policy does not get revived by the end of revival period, it shall be terminated and all benefit payable shall be forfeited.
• Medical Examination Cost: The cost of medical exams and tests, if required, for initially getting the policy is borne by Aviva India. But at Lapsed Policy revival time, this cost has to be borne by the policyholders themselves.
• Claim Submission: Claims can be made after the first diagnosis of a Critical Illness provided it is diagnosed 90 days after Policy commencement or policy reinstatement. The diagnosis need to be confirmed by a specialist medical practitioner. The claim needs to be filed within along with the necessary documents within 90 days from diagnosis date. However, this condition will not prevent the Company from settlement of genuine claims, particularly when the delay in intimation or in submission of required claim documents is due to unavoidable circumstances.

Tax Benefits – How you can save with the Aviva Health Secure Plan?

Tax deduction is available for Premiums paid for this plan under Section 80D of the Income Tax Act, 1961.

Other Benefits of Aviva Health Secure Plan:

There are several other benefits of purchasing group insurance plans from Aviva India such as:

• Online application: You can purchase insurance policies offered by Aviva India online through the company website.
• Grievance redressal: For complaints and grievance redressal, the company has a dedicated grievance redressal cell. You can mail to customerservice@avivaindia.com or call the toll free number 1800-180-266.
• Customer Care: You can write to customerservices@avivaindia.com for any insurance related queries. Or write to complaints@avivaindia.com for escalations.
• NAV Check: For unit-linked products, you can go ahead and check the NAV value of a specific fund for a specific time period.
• Aviva Insta Access: This dedicated portal help you track your proposal, pay premiums, get eStatements, make offline payments and many more such services.

Why should you buy Health Secure Plan from Aviva?

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:

• Aviva has over 13500 Financial Planning Advisors in the country.
• It has 108 branches spread across India.
• It is a multinational company spread in 16 countries with 33 million happy customers.
• The company won gold for ‘What’s Your Big Plan’ in the ‘Most Effective Insurance Marketing Campaign of the year’ category at the 2014 DMAi awards.
• Aviva India has also won ‘Certificate of Excellence’ at PR Week Asia Awards.