Aditya Birla Activ Secure

Life is uncertain, and any contingency such as any critical illness or accidents can disrupt your happiness adversely and can wipe off all your hard-earned savings. Aditya Birla Activ Secure has designed 4 different plans that let you plan to overcome any such situations in life.

The four different plans offered under Aditya Birla Activ Secure are:

• Personal Accident
• Critical Illness
• Hospital Cash
• Cancer Secure

Continue reading to explore how these plans can help you:

1. Activ Secure - Personal Accident

   This plan protects you and your family from any contingencies arising due to an unfortunate accident. With Aditya Birla Activ Secure - Personal Accident, you can secure yourself and your family from the financial implications of deadly accidents.

   Eligibility Criteria:

   Entry Age	5 years - 65 years
   Sum Insured	Up to 12% times more than the gross income of an earning member.

   **Last Updated on August, 2021

   Key Features Of Activ Secure - Personal Accident

   • The plan offers coverage of modification of residence and vehicle.
   • One can avail education benefit and Orphan benefit for dependent children.
   • If required, one can avail of optional covers such as Temporary total disablement, Accidental in-patient hospitalization, and Worldwide Emergency Assistance Services.

   What Is Covered Under Aditya Birla Activ Secure - Personal Accident Plan?

   Emergency Road Ambulance Cover	Covered
   Funeral Expenses	Covered up to 1% of Sum Insured, maximum up to Rs. 50,000
   Repatriation of Remains	Covered up to Rs. 50,000
   Orphan Benefit	Available 10% of Sum Insured, maximum up to 15 Lakhs
   Modification Benefit	Available up to Rs. 1 Lakhs
   Compassionate Visit	Covered Domestic Travel: up to Rs. 10,000 International Travel: up to Rs. 25,000
   Optional Covers Available
   Temporary Total Disablement (TTD) Accidental in-patient Hospitalization Cover Broken Bones Benefit Coma Benefit Burn Benefit Accidental Medical Expenses Adventure Sports Cover Worldwide Emergency Assistance Services EMI Protect Loan Protect Wellness Coach

   **Last Updated on August, 2021

   What Is Not Covered Under Aditya Birla Activ Secure - Personal Accident Plan?

   Any claims arising directly or indirectly out of the following causes are excluded under the Activ Secure - Personal Accident Plan:

   • Suicide or attempted suicide, intentional self-injury
   • Venereal disease, mental illness or sickness, psychiatric condition
   • War, the act of a foreign enemy, military or usurped acts
   • Any hospitalization not arising out of an injury
   • The insured person committing any breach of law with criminal intent

2. Activ Secure - Critical Illness

   Besides the physical and emotional distress that a critical illness causes, the treatment of such illnesses can drain off your financial stability. However, protecting your family emotionally and financially in such situations is mandatory. Now, with the Activ Secure - Critical Illness plan, you can backup your treatment expenses in case you are diagnosed with a critical illness.

   The plan comes in three variants

   Plan 1: Covers 20 Critical Illnesses such as cancer, heart attack, kidney failure.

   Plan 2: Covers 50 Critical Illnesses such as brain surgery, benign brain tumour, TB in addition to the 20 critical illnesses covered under plan 1.

   Plan 3: Covers 64 Critical illnesses and procedures like angioplasty, pacemaker insertion, and hysterectomy in addition to the 50 critical illnesses covered under plan 2.

   Eligibility Criteria

   Entry Age	5 years for Plan 1 & Plan 2 18 years for Plan 3
   Sum Insured	Up to 12% times more than the gross income of an earning member.

   **Last Updated on August, 2021

   Key Features Of Activ Secure - Critical Illness Plan

   • With this plan, one will receive a payout of a maximum of 150% of the sum insured for more than one Critical Illness under the comprehensive plan.
   • One can opt for a wellness coach and can recover faster with a personalized experiences coach.
   • One can also avail second e-opinion.

   Sample Illustration of Aditya Birla Activ Secure - Critical Illness

   Let's assume, Mr Vinay, a 30-year-old individual, with a family history of critical illnesses such as cancer and kidney failure decides to buy the Activ Secure - Critical Illness Plan. Now, let's see how much premium amount he needs to pay for different sum insured options.

   Graph Illustrating the Premium Amount Payable Under Activ Secure - Critical Illness

   

   What Is Not Covered Under Aditya Birla Activ Secure - Critical Illness

   • Sexually transmitted disease or HIV/AIDS
   • Influence of intoxicating liquor or drugs
   • Congenital external diseases, defects, or anomalies
   • Death due to suicide or self-inflicted injury
   • An insured person committing any breach of law

3. Activ Secure - Hospital Cash

   In case of hospitalization, apart from the treatment cost, there are other miscellaneous expenses such as travelling to and fro the hospital, expenses of the attendant, and post-discharge expenses, etc. With Activ Secure - Hospital Cash, such expenses are covered.

   Key Features Of Activ Secure - Hospital Cash Plan:

   • The plan offers a Daily allowance of Rs. 500 - Rs. 10,000
   • One can avail of a double benefit in case of admission to an ICU, which means one will get twice the daily cash benefit in such cases.
   • In case an insured of 12 years or less is hospitalized for a period exceeding consecutive 72 hours, their parents are eligible to avail a benefit equal to 1 Daily Cash Benefit.

4. Activ Secure - Cancer Secure

   Cancer... a name that itself is enough to give you chills down the spine. And if, god forbid, it happens to you or your loved ones, are you financially prepared to tackle it? With Activ Secure - Cancer Secure, you can ensure that even if you or any of your family members get diagnosed with early, major, or advanced-stage cancer, you have a financial backup to pay for the treatment so you can easily focus on recovery without worrying about the expenses.

   Eligibility Criteria:

   Age	18 years - No age limit
   Sum Insured	Earning member - Up to 12 times of annual gross income non-earning spouse - 50% of Proposer's sum insured/eligibility or 30L; whichever is lower Non-earning Parent/Parents in-law - 50% of Proposer's sum insured/eligibility or 10L; whichever is lower Children - 50% of Proposer's sum insured/eligibility or 15L;; whichever is lower

   **Last Updated on August, 2021

   Key Features Of Activ Secure - Cancer Secure

   The plan offers payouts according to different stages of cancer. Refer to the below-mentioned table to know the limits:

   Early Stage	50% of the sum insured
   Major Stage	100% of sum insured
   Advanced Stage	150% of sum insured

   **Last Updated on August, 2021

   • The plan offers the cumulative bonus of 10% of the sum insured up to a maximum limit of 100% sum insured.
   • One can choose a wellness coach which will monitor their health and will help them to recover faster.
   

   Sample Premium Illustration Of Activ Secure - Cancer Secure

   Let's assume, Mr Ajay, a 30-year-old individual, with a family history of cancer, decides to buy Activ Secure - Cancer Secure Plan for himself. Now, let's see how much premium amount he needs to pay for different sum insured options.

   Policy Term	10 Lakhs	25 Lakhs	50 Lakhs
   1 year	857	1,945	3,732
   2 years	1,860	4,220	8,100
   3 years	2,848	6,461	12,403

   **Last Updated on August, 2021

   Graph Illustrating The Premium Amount Payable Under Activ Secure - Cancer Secure

   

How To Buy Aditya Birla Activ Secure?

Buying Aditya Birla Activ Secure online is a hassle-free process. Follow the below-given steps to understand the whole process:

You can also buy it from PolicyX.com. Below is its buying process.

• Fill in the details in the 'Calculate Premium' form.
• The next page will show all the available plans. Choose the Aditya Birla health plan and click on 'Buy Now'.
• Pay the premium and your policy document will be shared with you on your registered email.

How is an Aditya Birla Health Insurance Claim Processed?

Cashless Claim

• Check the list of network hospitals from Aditya Birla's website. At the network hospital, show the cashless card of Aditya Birla Capital Health Insurance and valid ID proof like Passport, PAN Card, Voting card, etc.
• After the identification is done, the network hospital will send the cashless hospitalization request form to Aditya Birla. (For planned hospitalization, the form needs to be submitted 3 days in advance. For emergency cases, it needs to be submitted within 48 hours after hospitalization).
• Aditya Birla will review the form. After completion of the formalities, the decision will be forwarded to you through SMS and E-mail.
• Once done, the payment will be made to the network hospital.

Reimbursement Claim

If you are admitted to a non-network hospital, you have to pay the hospital directly after the treatment is done.

• To file a claim, submit the following documents to Aditya Birla within 15 days of discharge:
  1. Claim form (Part A & B)
  2. Health card
  3. KYC documents
  4. Original discharge summary
  5. Hospital bills
  6. The invoice with payment receipt
  7. All consultation papers
  8. Others
• After reviewing the documents, Aditya Birla will take the appropriate decision and if approved, the amount will be reimbursed through NEFT to the registered bank account.

Note- You need to inform the company within 48 hours (in case of emergency hospitalization) and 3 days before your admission (for planned hospitalization).

How To Renew an Aditya Birla Health Insurance Policy?

• Visit the official website of Aditya Birla Health Insurance. On the top right, click on the 'Renew' option.
• From the drop-down menu, select 'Quick Renew'.
• On the next page, fill up your policy number, prosper's date of birth or mobile number.
• Click on the 'Abhi Karo'
• Pay the premium online, and your Aditya Birla health insurance renewal details will be mailed to your registered email address.