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Aditya Birla Personal Accident Plan Full Details Explained
Aditya Birla Health Insurance
Aditya Birla Personal Accident Plan
Your very own accident care plan gives complete protection for you and ...Read More
Up to 1 Cr
Sum insured
1
No. of plans
4800+
Pan India presence
96%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,709 reviews
🏥 12,900+ hospitals
📊 1.88 solvency ratio
✅ 96% claim settlement
About Aditya Birla Personal Accident Plan
A quick read on what this Aditya Birla Health Insurance plan covers and why it might be a fit for you.
Aditya Birla Activ Secure Personal Accident Plan is designed to protect you and your family in case of any unforeseen incident. The Activ Secure Personal Accident Plan offers comprehensive coverage 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: first, select your base sum insured ranging between INR 1 Lac to 20 Crore; second, choose your base coverage from 5 different base plans with varying features and benefits; and lastly, opt for optional covers from a total of 11 available under the plan.
Activ Secure Personal Accident Plan At A Glance
Plan Type: Accidental Plan 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 30 Lac, whichever is lower * Non-earning Parent/Parent-in-laws – 100% of Proposer’s sum insured/eligibility or 15 Lac, whichever is lower (TTD benefit is not applicable) * Children – 100% of Proposer’s sum insured/eligibility or 15 Lac, whichever is lower (TTD benefit is not applicable) Network Hospitals: 10051+ Optional Covers: 11 No Claim Bonus: 5% every claim-free year, maximum 50% of SI applicable for Sum Insured up to 10 Crores only.Plan at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
Minimum: 5 Years, Maximum: 65 Years
Plan type
Accident Health Insurance
Sum insured options
₹1 L, ₹10 L, ₹50 L, ₹1 L, ₹10 L, ₹20 L
Waiting period
None
Renewability
Lifelong
Policy term
1/2/3 Years
*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
Pros & cons
A quick honest summary — the strengths and the trade-offs.
Pros
- Total and partial disability cover
- Accidental death cover
- No claim bonus
- Ambulance cover
- Education benefit
Cons
- Illness due to intoxicants
- Obesity treatment unavailable
- Hazardous activity not covered
- Cosmetic surgery unavailable
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.
Aditya Birla Health Insurance Plan Detailed Review
Aditya Birla Health Insurance
Aditya Birla Health Insurance Network Hospital List
Aditya Birla Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Aditya Birla Health Insurance ensures that you are medically secured, irrespective of the city you reside in.
Inclusions & exclusions
What the plan pays for, and what it doesn't.
Inclusions
- Refer to the table below to know the plan specifications:
Exclusions
- 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
- Others, check the detailed terms and conditions, inclusions & exclusions of the policy in documents provided by the company
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Entry age: Minimum 5 years
- Maximum: 65 years. Sum Insured: 1 Lac - 20 Crore. Waiting period: None.
Other features & benefits
Benefits of Activ Secure Personal Accident Plan
Aditya Birla Activ Secure Personal Accident Plan offers a wide range of customizations, allowing policyholders to create a plan best suited for their needs. Various benefits associated with the plan are mentioned below.
- 11 Optional Covers Are Available
The plan provides 11 different optional covers: 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 provides 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. - Avail Wellness Coach
Aditya Birla Activ Secure Personal Accident Policy provides individuals with the optional facility of a wellness coach who will guide them towards recovery and provide motivation to stay fit. Through a personal wellness coach, individuals can access personalized workouts, diet, and nutrition plans from experienced coaches. - Cumulative Bonus Availability
Individuals can avail a 5% no-claim bonus for every claim-free year, up to a maximum of 50% of the Sum Insured.
Eligibility Criteria For Aditya Birla Activ Secure Personal Accident Plan
Mentioned below is the eligibility criteria required to purchase the plan offered by Aditya Birla:
Entry Age
Minimum: 5 Years Maximum: 65 YearsRelationships Covered
Self, spouse, up to 4 children, up to 2 parents, and 2 parents-in-lawsInitial Waiting Period*
NonePolicy Tenure
1/2/3 YearsIn A Nutshell
Aditya Birla Activ Secure Personal Accident Plan is a highly versatile plan that allows customers to customize it as per their suitable needs. The plan offers a high sum insured of up to 20 Crores and has a 0 initial waiting period for efficient and instant coverage. 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.
Aditya Birla Activ Secure Personal Accident Policy: FAQ
The 4 most-asked questions about Aditya Birla Personal Accident Plan, answered.
As per the IRDAI, the cover amount for personal accident health insurance should be Rs 25 Lakh.
Death by suicide, or self-inflicted injuries are not covered in the personal accident health insurance.
Aditya Birla Activ Secure Personal Accident policy is valid for 1 year, however you can renew the policy before it gets expired.
No, there is no waiting period in accident health insurance.
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