Aditya Birla Activ Secure Plan

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:

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

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?

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.

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

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.

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.

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

Key Features of Activ Secure - Cancer Secure

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

• 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.

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:

1. Visit the official website of Aditya Birla Activ Health.
2. From the top menu bar, click on "Products," then select "Activ Health Secure" from the drop-down menu.
3. Click on the variant you want to choose.
4. Go to the 'Quick Quote' option and fill in your details.
5. The next page will show all details related to the premium. You can choose the policy term, sum insured, and add other family members.
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. 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.