Aditya Birla Personal Accident Plan
  • Up to 20 Cr SI
  • 11 Optional Covers
  • Avail Wellness Benefit
Aditya Birla Health Insurance
premium

Network hospitals

11000+

premium

Incurred claim ratio

64.68%

premium

Sum insured

Up to 2 CR

premium

No. of Plans

22

premium

Solvency Ratio

2.3

premium

Pan India Presence

213

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Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

premium

Network hospitals

11000+

premium

Incurred claim ratio

64.68%

premium

Sum insured

Up to 2 CR

premium

No. of Plans

22

premium

Solvency Ratio

2.3

premium

Pan India Presence

213

Recognized By Aditya BirlaPolicyX.com is a Recognised Aditya Birla Partner View Certificate

Aditya Birla Activ Secure Personal Accident Policy

Aditya Birla Activ Secure Personal Accident Plan is designed to protect you and your family in case of any unforeseen incident. Activ secure personal accident plan has comprehensive coverage term for:

  • 100% cover for Permanent Disabilities due to accidents
  • 100% cover on Accidental Death
  • Income Cover during temporary total disability (TTD) due to accidents
  • Loans and EMIs Cover
  • Ambulance cover

The plan can be customized in 3 simple steps wherein you have to select your base sum insured ranging between INR 1 Lac to 20 Crore, the second step involves customers selecting their base coverage from 5 different base plans with varying features and benefits. Lastly, opt for optional covers from a total of 11 optional covers available under the plan

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Activ Secure Personal Accident Plan At A Glance

Plan Type Individual/ Family Floater
Sum Insured 1 Lac - 20 Crore
Eligibility for Sum Insured Earning member - Up to 12 times of annual gross income
In case Loan Protect benefit is opted for - Total sum of Personal Accident Sum Insured + Loan Protect limit chosen, should not exceed 15 times of annual gross Income
Non-earning spouse - 100% of Proposer’s sum insured/eligibility or 30L whichever is lower
Non-earning Parent/ Parent in-laws – 100% of Proposer’s sum insured/eligibility or 15L whichever is lower (TTD benefit is not applicable)
Children – 100% of Proposer’s sum insured/eligibility or 15L whichever is lower (TTD benefit is not applicable)
Network Hospitals 10051+
Optional Covers 11
No claim Bonus 5% every claim-free year, max 50% of SI applicable for Sum Insured up to 10 Crores only.

Read more specifications in the brochure.

Choose Aditya Birla Health Insurance Plan for

Aditya Birla Health Insurance for Senior Citizens

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Aditya Birla Health Top-up Plan

Aditya Birla Health Top-up Plan

Benefits of Activ Secure Personal Accident Plan

Aditya Birla Activ Secure Personal Accident Plan has a wide range of customizations available through which insurance holders can create the plan that is best suited for them. There are various benefits associated with Aditya Birla Activ Secure Personal Accident Plan which are mentioned below

  • 11 Optional Covers Are Available
    The plan provides not 1 or 2 but 11 different optional covers to the insured life namely, Temporary Total Disablement, Accidental In-Patient Hospitalization Cover, EMI Protect, Broken Bones Benefit, Loan Protect, Coma Benefit, Burn Benefit, Accidental Medical Expenses (OPD including Day Care), Adventure Sports Cover, Worldwide Emergency Assistance Services, and Wellness Coach.
  • Orphan Benefit For Dependent Children
    In case of the unfortunate accidental demise of both parents, the plan has provided for a payout of up to 10% of the sum insured, up to Rs. 15 Lac for dependent children.
  • Coverage From Day 1
    Aditya Birla Activ Secure Personal Accident Policy offers coverage to insured individuals from day 1 as there are no waiting periods for coverage against accidents and it is covered from day 1 of the insurance.
  • Avail Wellness Coach
    Aditya Birla Activ Secure Personal Accident Policy provides individuals with the optional facility of a wellness coach who will guide you towards recovery and give you the motivation required to stay fit. Via a personal wellness coach individuals can have access to personalized workouts, diet and nutrition plans from experienced coaches
  • Cumulative Bonus Availability
    Individuals can avail 5% no-claim bonus for every claim-free year up to a maximum of 50% of Sum Insured.

Eligibility Criteria For Aditya Birla Activ Secure Personal Accident Plan

Mentioned below is the eligibility criteria required to purchase the cancer insurance plan offered by Aditya Birla

Entry Age

Minimum: 5 Years
Maximum: 65 Years
*Coverage under Temporary Total Disablement (TTD) benefit cannot be renewed post 70 years*

Relationships Covered

Self, spouse, up to 4 children, up to 2 parents, and 2 parents-in-laws

Initial Waiting Period*

None

Policy Tenure

1/2/3 Years

What is Covered Under Aditya Birla Activ Secure Personal Accident Plan

Refer to the table below to know the plan specifications:

Coverage Terms Plan I Plan II Plan III Plan IV Plan V
Accidental Death 100% of SI
Permanent Total Disablement Not Covered 100% of SI
Permanent Partial Disablement Not Covered 100% of SI
Education Benefit 10% of SI max up to 10 Lac
Emergency Road Ambulance Not Covered Covered up to INR 10,000
Funeral Expenses Not Covered Covered up to 1% of Sum Insured up to max up to INR 50,000
Repatriation of Mortal Remains Not Covered Lump Sum Benefit of INR 50,000
Orphan Benefit Not Covered Lump Sum Benefit of 10% of Sum Insured max up to 15 Lac
Modification Benefit Not Covered Covered up to INR 1 Lac
Compassionate Visit Not Covered Domestic - Up to INR 10k International - Up to INR 25k
Cumulative Bonus 5% per year, up to 50% of SI 5% per year, up to 50% of SI applicable for SI up to 10 Crore

What is Not Covered Under Aditya Birla Activ Secure Personal Accident Plan

The plan has certain exclusions that are mentioned below in further details:

  • Suicide or attempted suicide, intentional self-injury
  • Mental illness or Psychiatric condition
  • War, act of foreign enemy, military or usurped acts
  • Cases of hospitalization not arising out of an injury
  • Insured person committing any breach of law with criminal intent

Claim Process of Activ Secure Personal Accident Plan

Cashless Claim Process

To avail of claim settlement services, the insured individual must follow the process given below:

  • For Planned Treatments
    • The insurance provider must be notified 4 days in advance before the treatment of the medical condition
    • Insurance holders need to submit a cashless claim request form to the insurance provider.
    • The insurance provider will review the claim request in order to approve the claim
  • For Unplanned Treatments
    • Insurance holders must fill a cashless claim request form and submit it to the insurance provider post which the insurance provider issues an authorization letter to the hospital indicating the policy coverage.

Reimbursement Claim Process

In case the policyholder avails treatment in a non-network hospital the insured individual can file for a reimbursement claim. The list of documents required for the same is mentioned below

  • Claim form
  • Medical certificate, and discharge summary given by the hospital
  • Hospital Bills
  • Other important documents in case of an accident such as FIR.

In A Nutshell

Aditya Birla Activ Secure Personal Accident Plan is a highly versatile plan that allows its customers to customize it as per their suitable needs. The plan offers a high sum insured of up to 20 Crores and has 0 initial waiting period for efficient and instant coverage for customers. The plan is highly effective for those who want to protect themselves and their loved ones in the face of adversity. The orphan benefit inbuilt in the plan also allows you to provide shelter to your dependent children in case both parents die during a mishap.

Explore other Aditya Birla Health Plans

Aditya Birla Health offers a wide range of health insurance plans to fulfill the medical needs of individuals, families, and senior citizens.

Affordable

Activ Assure Diamond

Activ Assure Diamond is a complete health insurance plan that offers new-age health features at an affordable cost, and covers more than 500 daycare treatments.

Unique Benefits

  • 150% sum insured reload
  • No Room rent capping
  • Mental illness covered

Activ Assure Diamond (Pros)

  • 100% Ambulance Cover
  • Organ Donor Expenses Covered
  • AYUSH Treatment Cover
  • Hospital Allowance
  • Day Care Treatment Covered

Activ Assure Diamond (Cons)

  • 10% Co-Payment
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Activ Assure Diamond (Other Benefits)

  • Up to 10% Long Term Discount
  • Health Return Points
  • Room Upgrade Available
  • Super No Claim Bonus
  • Unlimited Reload of SI

Activ Assure Diamond (Eligibility Criteria)

  • Entry Age - 5 Years
  • Max Entry Age - Age No Limit
  • SI - 2 L to 2 Cr
  • Waiting Period - 30 Days

Standard

Arogya Sanjeevani Policy

A standard health insurance policy, wherein you can choose coverage of up to Rs.1 lac to Rs.5 lacs.

Unique Benefits

  • Avail 5% cumulative bonus
  • Cataract treatment covered
  • All daycare treatments covered

Arogya Sanjeevani Policy (Pros)

  • AYUSH Treatment
  • Pre & Post Hospitalization Cover
  • Cashless Treatment
  • Day Care Treatments
  • 5% No Claim Bonus

Arogya Sanjeevani Policy (Cons)

  • 5% Co-Payment
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Arogya Sanjeevani Policy (Other Benefits)

  • High SI
  • Room Rent Cover
  • Cataract Treatment
  • 5% ICU Cover
  • Individual & Family Floater

Arogya Sanjeevani Policy (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 1 L to 5 L
  • Waiting Period - 30 Days

Cancer Plan

Activ Secure- Cancer Secure

Specially designed plan to protect you against the rising costs of treatment at every stage of cancer – early, major and advanced.

Unique Benefits

  • Short survival period of 7 days
  • Early stages of cancer covered
  • Avail no claim bonus

Activ Secure- Cancer Secure (Pros)

  • Covers 3 Stages
  • 150% of SI
  • 10% of No Claim Bonus
  • High SI
  • Lump Sum Payout

Activ Secure- Cancer Secure (Cons)

  • Illness due to intoxicants
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Activ Secure- Cancer Secure (Other Benefits)

  • Wellness Coach
  • Second e-Opinion
  • Short Survival Period
  • Upto 1 Cr SI
  • Hospitalization Expense

Activ Secure- Cancer Secure (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 5 L to 1 Cr
  • Waiting Period - 30 Days

comprehensive Plan

Activ Health Platinum Premier

The plan offers comprehensive coverage with health return benefits, COVID-19 coverage, a chronic management program, and more.

Unique Benefits

  • Dental Cover
  • Health Returns
  • Affordable Premiums

Activ Health Platinum Premier (Pros)

  • Post-Hospitalization Physiotherapy
  • Health Coach Benefit
  • One Premium Waiver
  • Health Assessment
  • Chronic Management Program

Activ Health Platinum Premier (Cons)

  • Illness due to intoxicants
  • Change Of Gender Treatment
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Activ Health Platinum Premier (Other Benefits)

  • Road Ambulance Cover
  • No Claim Bonus
  • Critical Illness Cover
  • Domiciliary Hospitalization
  • Super Reload of SI

Activ Health Platinum Premier (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 65 Years
  • SI - 10 L to 2 Cr
  • Waiting Period - 30 Days

Super top-up

Activ Assure Diamond + Super Health Topup

A top-up plan offering medical coverage up to Rs. 1 cr. The plan also gives health and wellness discounts.

Unique Benefits

  • 586-day care procedures covered
  • No restriction on room rent
  • 5k coverage for road accident

Activ Assure Diamond + Super Health Topup (Pros)

  • COVID-19 Cover
  • Home Treatment Cover
  • DayCare Treatment Covered
  • Affordable Premiums
  • OPD Consultations

Activ Assure Diamond + Super Health Topup (Cons)

  • Illness due to intoxicants
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Activ Assure Diamond + Super Health Topup (Other Benefits)

  • Air Ambulance
  • Wellness Benefits
  • Long Term Discounts
  • Domiciliary Hospitalization
  • Organ Donor Expenses

Activ Assure Diamond + Super Health Topup (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 65 Years
  • SI - 3 L to 1 Cr
  • Waiting Period - 30 Days

Critical Plan

Activ Secure Critical Illness Plan

The plan is designed to provide financial protection against critical illnesses, & offers compensation against the loss of income arising out of critical illnesses.

Unique Benefits

  • Lump Sum payout on detection
  • 150% sum assured
  • Short survival period

Activ Secure Critical Illness Plan (Pros)

  • Cover up to 64 CI
  • 3 Plan Variants
  • High SI
  • Short Survival Period
  • Active Health App

Activ Secure Critical Illness Plan (Cons)

  • Illness due to intoxicants
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Activ Secure Critical Illness Plan (Other Benefits)

  • Wellness Coach
  • Second Medical Opinion
  • Cancer Cover
  • Kidney Failure Cover
  • Brain Tumor Cover

Activ Secure Critical Illness Plan (Eligibility Criteria)

  • Entry Age - 5 Years
  • Max Entry Age - 65 Years
  • SI - 1 L to 1 Cr
  • Waiting Period - 30 Days

Platinum Plan

Activ Health Platinum Enhanced

A unique Plan with features such as a chronic management program, modern treatments, covid-19, and more.

Unique Benefits

  • High SI
  • Affordable Premiums
  • Wellness Benefits

Activ Health Platinum Enhanced (Pros)

  • Earn 100% Health Return
  • Cover for Dental Consultations
  • Modern Treatment Cover
  • Wellness Coach
  • Mental Illness Cover

Activ Health Platinum Enhanced (Cons)

  • Illness due to intoxicants
  • Change Of Gender Treatment
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Activ Health Platinum Enhanced (Other Benefits)

  • Chronic Management Program
  • Premium Waiver Benefit
  • Reload of SI
  • Road Ambulance Cover
  • Second e-opinion

Activ Health Platinum Enhanced (Eligibility Criteria)

  • Entry Age - Years
  • Max Entry Age - Years
  • SI - 1 L to 1 Cr
  • Waiting Period - 30 Days

Illness Plan

Activ Health Platinum Essential

An Insurance plan that covers you against chronic illnesses like asthma, high blood pressure, high cholesterol, and diabetes.

Unique Benefits

  • Day 1 Cover
  • Day Care Treatment
  • Pre & Post Hospitalization

Activ Health Platinum Essential (Pros)

  • Health Returns Cover
  • Chronic Management Program
  • Mental Illness Cover
  • Home Care Treatment
  • Obesity Treatment

Activ Health Platinum Essential (Cons)

  • Illness due to intoxicants
  • Change Of Gender Treatment
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Activ Health Platinum Essential (Other Benefits)

  • AYUSH Treatment Cover
  • Road Ambulance Cover
  • Health Check-Up Program
  • International Cover
  • Critical Illness Cover

Activ Health Platinum Essential (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - No Age Limit
  • SI - Unavailable
  • Waiting Period - 30 Days

comprehensive Plan

Activ Care Classic

It is a comprehensive health insurance plan with 360-degree coverage for senior citizens. It supports your family members at every stage of their health.

Unique Benefits

  • Health Returns Available
  • Comprehensive Health Check-up
  • Up to 50% No Claim Bonus

Aditya Birla Activ Care Classic (Pros)

  • Personal Health Coach
  • AYUSH Treatment Cover
  • 21% Health Returns
  • Cashless Home Treatment
  • Day Care Treatment

Aditya Birla Activ Care Classic (Cons)

  • Illness due to intoxicants
  • Change Of Gender Treatment
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Aditya Birla Activ Care Classic (Other Benefits)

  • Nursing at Home
  • ICU Bed at Home
  • 586 Day Care Treatments
  • Domiciliary Hospitalization
  • ICU Expenses Cover

Aditya Birla Activ Care Classic (Eligibility Criteria)

  • Entry Age - 55 Years
  • Max Entry Age - 80 Years
  • SI - 3 L to 25 L
  • Waiting Period - 30 Days

comprehensive Plan

Aditya Birla Activ Fit

A health insurance plan designed especially for the youth. The plan provides protection and rewards for good health.

Unique Benefits

  • Affordable Premiums
  • Discounts Available
  • Travel Protect

Aditya Birla Activ Fit (Pros)

  • Maternity Cover
  • Binge Refill Feature
  • 10% Good Health Discount
  • Daily Cash Benefit
  • Day Care Treatment

Aditya Birla Activ Fit (Cons)

  • Illness due to intoxicants
  • Change Of Gender Treatment
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Aditya Birla Activ Fit (Other Benefits)

  • Up to 100% NCB
  • Health Check-up
  • Home Treatment
  • OPD Expense Cover
  • Premium Waiver Benefit

Aditya Birla Activ Fit (Eligibility Criteria)

  • Entry Age - 5 Years
  • Max Entry Age - 45 Years
  • SI - 5 L to 1 Cr
  • Waiting Period - 30 Days

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Simran Kaur Vij

Written By: Simran Kaur Vij

Simran is an insurance expert with more than 3 years of experience in the industry. She may have all the answers to your insurance queries. With a background in Banking, she proactively helps her readers to stay on par with all the latest Insurance industry developments.

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