Aditya Birla Activ Secure

Life is uncertain, and contingencies like critical illness or accidents can adversely disrupt your happiness and wipe out your hard-earned savings. Aditya Birla Activ Secure offers four different plans to help you prepare for such situations.

The four 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 contingencies arising from unfortunate accidents. With Aditya Birla Activ Secure - Personal Accident, you can secure yourself and your family from the financial implications of severe accidents.

   Eligibility Criteria:

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

   Key Features of Activ Secure - Personal Accident

   • The plan covers modifications to residence and vehicle.
   • Education and Orphan benefits are available for dependent children.
   • Optional covers include 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 Rs. 50,000
   Repatriation of Remains	Covered up to Rs. 50,000
   Orphan Benefit	Available up to 10% of Sum Insured, maximum Rs. 15 Lakh
   Modification Benefit	Available up to Rs. 1 Lakh
   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

   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 conditions.
   • War, acts of a foreign enemy, military or usurped acts.
   • Any hospitalization not arising from an injury.
   • The insured person committing any breach of law with criminal intent.

2. Activ Secure - Critical Illness

   Beyond the physical and emotional distress caused by a critical illness, its treatment can severely impact your financial stability. Protecting your family emotionally and financially in such situations is crucial. With the Activ Secure - Critical Illness plan, you can cover your treatment expenses if diagnosed with a critical illness.

   The plan comes in three variants:

   Plan 1: Covers 20 critical illnesses such as cancer, heart attack, and kidney failure.

   Plan 2: Covers 50 critical illnesses, including brain surgery, benign brain tumor, and 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 the gross income of an earning member.

   Key Features of Activ Secure - Critical Illness Plan

   • This plan offers a payout of up to 150% of the sum insured for multiple critical illnesses under the comprehensive plan.
   • Policyholders can opt for a wellness coach to aid faster recovery with personalized guidance.
   • A second e-opinion service is also available.

   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. Let's examine the premium amounts he would 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 diseases 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

   Hospitalization involves miscellaneous expenses beyond treatment costs, such as travel to and from the hospital, attendant expenses, and post-discharge costs. Activ Secure - Hospital Cash covers these additional expenses.

   Key Features of Activ Secure - Hospital Cash Plan:

   • The plan offers a daily allowance of Rs. 500 - Rs. 10,000.
   • A double benefit is available for ICU admissions, providing twice the daily cash benefit.
   • If an insured child (12 years or less) is hospitalized for more than 72 consecutive hours, their parents are eligible for a benefit equal to one daily cash benefit.

4. Activ Secure - Cancer Secure

   Cancer is a daunting diagnosis. If you or a loved one faces it, are you financially prepared? Activ Secure - Cancer Secure provides financial backup for treatment, whether it's early, major, or advanced-stage cancer, allowing you to focus on recovery without worrying about expenses.

   Eligibility Criteria:

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

   Key Features of Activ Secure - Cancer Secure

   The plan offers payouts based on different stages of cancer. Refer to the table below for limits:

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

   • The plan offers a cumulative bonus of 10% of the sum insured, up to a maximum of 100% of the sum insured.
   • Policyholders can choose a wellness coach to monitor their health and aid faster recovery.

   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 the Activ Secure - Cancer Secure Plan for himself. Let's examine the premium amounts he would 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

   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 these steps:

You can also buy it from PolicyX. Here's how:

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

How is an Aditya Birla Health Insurance Claim Processed?

Cashless Claim

• Check the list of network hospitals on Aditya Birla's website. At a network hospital, present your Aditya Birla Capital Health Insurance cashless card and valid ID proof (e.g., Passport, PAN Card, Voter ID).
• After identification, the network hospital will send the cashless hospitalization request form to Aditya Birla. (For planned hospitalization, submit the form 3 days in advance. For emergency cases, submit it within 48 hours of hospitalization).
• Aditya Birla will review the form. Upon completion of formalities, the decision will be communicated via SMS and email.
• Once approved, payment will be made directly to the network hospital.

Reimbursement Claim

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

• 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. Invoice with payment receipt
  7. All consultation papers
  8. Other relevant documents
• After reviewing the documents, Aditya Birla will make an appropriate decision. If approved, the amount will be reimbursed via NEFT to your registered bank account.

Note: You need to inform the company within 48 hours for emergency hospitalization and 3 days before 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 in your policy number, proposer's date of birth, or mobile number.
• Click on 'Abhi Karo'.
• Pay the premium online, and your Aditya Birla health insurance renewal details will be mailed to your registered email address.