Activ Secure Plan
  • Secure Yourself from Uncertainties
  • Explore all about the Plan Variants
  • Inclusions & Exclusions

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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
    1. Temporary Total Disablement (TTD)
    2. Accidental in-patient Hospitalization Cover
    3. Broken Bones Benefit
    4. Coma Benefit
    5. Burn Benefit
    6. Accidental Medical Expenses
    7. Adventure Sports Cover
    8. Worldwide Emergency Assistance Services
    9. EMI Protect
    10. Loan Protect
    11. 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

    Graph showing the premium 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

    Graph showing the premium payable Under Activ Secure- Cancer Secure
Aditya Birla Activ 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:

Step 1: Visit the official website of Aditya Birla Activ Health.

Step 2: From the top menu bar, click on the products, and then select Activ Health Secure from the drop-down menu.

Step 3: Click on the variant you want to choose.

Step 4: Go to the 'Quick Quote' option, and fill up your details in it.

Step 5: Once done, the next page will show you all the details related to the premium you need to pay. You can choose the policy term, sum insured, and can also add other family members.

Step 6: Click on the 'Buy Now' option, and pay the premium online. Your policy details will be shared at your registered email address.

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.

Aditya Birla Important Links


Find Out What the Customers Are Saying

(Showing latest 5 reviews only)

- 4.4/5 (37 Total Rating)

2 days ago

Dilpreet Singh

Pune

very vast range of plans! the premiums are decent for anybody s budget. I would 1000% recommend the comapny

October 18, 2021

Kinshuk

Hyderabad

It has been an absolute pleasure associating with policyx for my health insurance. They have been very helpful in my decision.

October 13, 2021

Aditya Narayan

Delhi

happy with how my claims were settled...i went to a network clinic and so did not have to pay a single penny

October 12, 2021

Salman K Rashid

Chennai

Good settling speed...my claims were addressed within a week i think...truly thankful to god and the team at aditya birla for stepping up when much support was needed

October 11, 2021

Avinash Kachroo

Delhi

Amazing service. The way the team of Aditya Birla assists you at every step is commendable. I just cant thank the way they helped me throughout. Good Luck to your future guys.

Last updated on August, 2021

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