Aditya Birla Personal Accident Plan
  • Up to 20 Cr SI
  • 11 Optional Covers
  • Avail Wellness Benefit
Aditya Birla Activ Secure Personal Accident Policy
Network hospitals

Network hospitals

11000+

Incurred claim ratio

Incurred claim ratio

64.68%

Sum insured

Sum insured

Up to 2 Cr

No. of Plans

No. of Plans

1

Solvency Ratio

Solvency Ratio

2.3

Pan India Presence

Pan India Presence

4800+

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

Aditya Birla Personal Accident Plan

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.

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 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.

Aditya Birla Personal Accident Plan Specifications

To understand Aditya Birla Personal Accident Plan Insurance in detail, take a look at the below table:

Entry Age

Minimum: 5 Years, Maximum: 65 Years

Policy Type

Accident Health Insurance

Sum Insured

1 L | 10 L | 50 L | 1 Cr | 10 Cr | 20 Cr

Initial Waiting Period*

None Days

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.

Read more specifications in the brochure.

Recommended Videos

Aditya Birla Health Insurance

Aditya Birla Health Insurance

Aditya Birla Health Insurance Plan Detailed Review

Aditya Birla Health Insurance Plan Detailed Review

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.

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?

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

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

 

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

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 Insurance

To cater to the different medical needs of an individual & their family, Aditya Birla Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to Aditya Birla Health Insurance plans explore more:

Critical Illness Health Insurance

Aditya Birla Cancer Secure health plan is a health insurance plan designed specifically for cancer patients protecting them financially from all three...

Unique Features

  • Upto 1 Cr SI
  • Minimum Survival Period
  • All Cancer Stages Covered

Aditya Birla Cancer Health Plan (Pros)

Aditya Birla Cancer Health Plan
  • Covers 3 stages
  • 150% of SI
  • 10% of no claim bonus
  • High SI
  • Lump sum payout

Aditya Birla Cancer Health Plan (Cons)

Aditya Birla Cancer Health Plan
  • Illness due to intoxicants
  • Obesity treatment unavailable
  • Hazardous activity not covered
  • HIV/AIDS not covered
  • Cosmetic surgery unavailable

Aditya Birla Cancer Health Plan (Other Benefits)

Aditya Birla Cancer Health Plan
  • Wellness coach
  • Second e-opinion
  • Short survival period
  • Upto 1 Cr SI
  • Hospitalization Expense

Aditya Birla Cancer Health Plan (Eligibility Criteria)

Aditya Birla Cancer Health Plan
  • Entry Age- 18 Years
  • Max Entry Age- 65 Years
  • SI- 5L to 1 Cr
  • Waiting Period- 90 days

Accident Health Insurance

Aditya Birla Activ Secure Personal Accident Plan is designed to protect you and your family in case of any unforeseen incident. Activ secure personal ...

Unique Features

  • Up to 20 Cr SI
  • 11 Optional Covers
  • Avail Wellness Benefit

Aditya Birla Personal Accident Plan (Pros)

Aditya Birla Personal Accident Plan
  • Total and partial disability cover
  • Accidental death cover
  • No claim bonus
  • Ambulance cover
  • Education benefit

Aditya Birla Personal Accident Plan (Cons)

Aditya Birla Personal Accident Plan
  • Illness due to intoxicants
  • Obesity treatment unavailable
  • Hazardous activity not covered
  • Cosmetic surgery unavailable

Aditya Birla Personal Accident Plan (Other Benefits)

Aditya Birla Personal Accident Plan
  • Income cover
  • Loan protect cover
  • Orphan benefits
  • Compassionate visit
  • Coma benefit

Aditya Birla Personal Accident Plan (Eligibility Criteria)

Aditya Birla Personal Accident Plan
  • Entry age- 5 years
  • Max entry age- 65 years
  • SI- 30L
  • Waiting period- 30 days

Individual and Family Health Insurance

Aditya Birla Platinum Enhanced Plan offers unique healthcare benefits to insured individuals such as health insurance protection with wellness benefit...

Unique Features

  • Critical Illness Cover
  •  Health Coach
  •  SI Up to 2 Crores

Aditya Birla Activ Health Platinum Enhance (Pros)

Aditya Birla Activ Health Platinum Enhance
  • Earn 100% health returns
  • Cover for dental consultations
  • Modern treatment cover
  • Wellness coach
  • Mental illness cover

Aditya Birla Activ Health Platinum Enhance (Cons)

Aditya Birla Activ Health Platinum Enhance
  • Illness due to intoxicants
  • Change of gender treatment
  • Hazardous activity not covered
  • HIV/AIDS not covered
  • Cosmetic surgery unavailable

Aditya Birla Activ Health Platinum Enhance (Other Benefits)

Aditya Birla Activ Health Platinum Enhance
  • Chronic management program
  • Premium waiver benefit
  • Reload of SI
  • Road ambulance cover
  • Second e-opinion

Aditya Birla Activ Health Platinum Enhance (Eligibility Criteria)

Aditya Birla Activ Health Platinum Enhance
  • Entry age- 90 days
  • Max entry age- 45
  • SI- 1L to 1 Cr
  • Waiting period- 30 days

Individual and Family Health Insurance

Aditya Birla Activ Fit Plan is designed to provide quality medical coverage to young individuals. The plan not only provides medical coverage but als...

Unique Features

  • Health Rewards
  • Avail Multiple Discounts
  • Optional Covers Available

Aditya Birla Activ Fit Health Plan (Pros)

Aditya Birla Activ Fit Health Plan
  • Provides health reward for keeping yourself healthy
  • gives optional benefits
  • Get maternity expense benefits

Aditya Birla Activ Fit Health Plan (Cons)

Aditya Birla Activ Fit Health Plan
  • Does not cover air ambulance
  • No coverage for global treatment

Aditya Birla Activ Fit Health Plan (Other Benefits)

Aditya Birla Activ Fit Health Plan
  • Health Rewards
  • Avail Multiple Discounts
  • Optional Covers Available

Aditya Birla Activ Fit Health Plan (Eligibility Criteria)

Aditya Birla Activ Fit Health Plan
  • Entry Age - 18
  • Maximum Entry Age - 65
  • SI -4-25 Lakh
  • Waiting Period - 30 days

Critical Illness Health Insurance

Aditya Birla Activ Secure Critical Illness Plan is designed to cover your financial losses due to any treatment for critical illness. The plan has wid...

Unique Features

  • 64 Critical Illnesses Covered
  • Replace Loss of Income
  • Short Survival Period

Aditya Birla Activ Secure Critical Illness Plan (Pros)

Aditya Birla Activ Secure Critical Illness Plan
  • 64 Critical Illnesses Covered Replace
  • Loss of Income
  • Short Survival Period

Aditya Birla Activ Secure Critical Illness Plan (Cons)

Aditya Birla Activ Secure Critical Illness Plan
  • Does not cover maternity
  • Does not cover any congenital illness
  • Does not cover any evaluation purposes

Aditya Birla Activ Secure Critical Illness Plan (Other Benefits)

Aditya Birla Activ Secure Critical Illness Plan
  • The sum insured of this plan is of up to 1 Cr
  • It comes in three different variants - Plans 1/ 2/ 3 with specific coverage options

Aditya Birla Activ Secure Critical Illness Plan (Eligibility Criteria)

Aditya Birla Activ Secure Critical Illness Plan
  • Min- 5 years
  • Max- 65 years

Senior Citizen Health Insurance

Growing old comes with several complications related to our health, at times. It's so natural that nobody could deny accepting the complications and s...

Unique Features

  • 360 degrees support to seniors
  • Cashless home treatment
  • 586 category of daycare procedures

Aditya Birla Activ Care Classic Plan (Pros)

Aditya Birla Activ Care Classic Plan
  • 360 degrees support to seniors
  • Cashless home treatment
  • 586 category of daycare procedures

Aditya Birla Activ Care Classic Plan (Cons)

Aditya Birla Activ Care Classic Plan
  • Does not cover modern treatments
  • Vaccinations not covered
  • Compassionate travel not covered

Aditya Birla Activ Care Classic Plan (Other Benefits)

Aditya Birla Activ Care Classic Plan
  • Tax benefits
  • Advanced health check-up
  • Optional room upgrade facility

Aditya Birla Activ Care Classic Plan (Eligibility Criteria)

Aditya Birla Activ Care Classic Plan
  • Min- 55 years
  • Max- 80

Individual and Family Health Insurance

Aditya Birla Activ One Plan comprises features such as: Health returns Health assessment Daycare treatments No capping on hospitalization expenses Me...

Unique Features

  • Health Rewards
  • Avail Multiple Discounts
  • Optional Covers Available

Aditya Birla Activ One (Pros)

Aditya Birla Activ One
  • Chronic illness covered
  • double coverage

Aditya Birla Activ One (Cons)

Aditya Birla Activ One
  • Daily hospital cash not covered
  • OPD charges not covered
  • Maternity not covered

Aditya Birla Activ One (Other Benefits)

Aditya Birla Activ One
  • Initial waiting period 30 years

Aditya Birla Activ One (Eligibility Criteria)

Aditya Birla Activ One

Individual and Family Health Insurance

Raho Fit to Get Benefits! Ye hai #FitnesskaUltimateInfluencer You can earn with the Aditya Birla Activ Fit Plus plan and become wealthy! YES, you hear...

Unique Features

  • Stay fit & get rewarded
  • Travel protection cover
  • Unlimited SI refill

Aditya Birla Activ Fit Plus Plan (Pros)

Aditya Birla Activ Fit Plus Plan
  • Pre-hospitalization cover
  • Post-hospitalization cover
  • Modern treatment cover
  • Organ donor cover

Aditya Birla Activ Fit Plus Plan (Cons)

Aditya Birla Activ Fit Plus Plan
  • Obesity/ weight control
  • Change of gender treatments
  • Hazardous or adventure sports
  • External providers
  • Beauty/cosmetic treatment

Aditya Birla Activ Fit Plus Plan (Other Benefits)

Aditya Birla Activ Fit Plus Plan
  • 10-50-100 benefits
  • Activ Health App
  • Binge SI refill
  • Premium back option
  • Super no-claim bonus

Aditya Birla Activ Fit Plus Plan (Eligibility Criteria)

Aditya Birla Activ Fit Plus Plan
  • Entry Age - 91 days
  • Max Entry Age - 45 years
  • SI - 5 L - 1 Cr
  • Waiting Period - 30 Days

Individual and Family Health Insurance

Activ Health Platinum, a health product by Aditya Birla Health Insurance Company is a health insurance plan designed to look after the healthcare need...

Unique Features

  • Explore the Eligibility Criteria
  • Key Features of the Plan
  • Inclusions & Exclusions

Activ Health Platinum (Pros)

Activ Health Platinum
  • Post hospitalisation physiotherapy
  • Health coach benefit
  • One premium waiver
  • Health assessment
  • Chronic management program

Activ Health Platinum (Cons)

Activ Health Platinum
  • Illness due to intoxicants
  • change of gender treatment
  • Hazardous activity not covered
  • HIV/AIDS not covered
  • Cosmetic surgery unavailable

Activ Health Platinum (Other Benefits)

Activ Health Platinum
  • Road ambulance cover
  • No claim bonus
  • Critical illness cover
  • Domiciliary hospitalisation
  • Super reload of SI

Activ Health Platinum (Eligibility Criteria)

Activ Health Platinum
  • Entry age- 91 days
  • Max entry age- 65 years
  • SI- 10L to 2 Cr

Individual and Family Health Insurance

Aditya Birla Activ Health Platinum Essential Plan is your best friend if you are looking for a health insurance cover that protects you against chroni...

Unique Features

  • Chronic Management Care
  • Wellness Benefits
  • COVID-19 Cover

Activ Health Platinum Essential (Pros)

Activ Health Platinum Essential
  • Health returns cover
  • Chronic management program
  • Mental illness cover
  • Home care treatment
  • Obesity treatment

Activ Health Platinum Essential (Cons)

Activ Health Platinum Essential
  • Illness due to intoxicants
  • Change of gender treatment
  • Hazardous activities not covered
  • HIV/AIDS not covered
  • Cosmetic surgery unavailable

Activ Health Platinum Essential (Other Benefits)

Activ Health Platinum Essential
  • AYUSH treatment cover
  • Road ambulance cover
  • Health check-up program
  • International cover
  • Critical Illness cover

Activ Health Platinum Essential (Eligibility Criteria)

Activ Health Platinum Essential
  • Entry age- 91 days
  • Max entry age- No age limit

Aditya Birla Activ Secure Personal Accident Policy: FAQ

1. What is the amount of personal accident cover?

As per the IRDAI, the cover amount for personal accident health insurance should be Rs 25 Lakh.

2. What is not covered in personal accident health insurance?

Death by suicide, or self-inflicted injuries are not covered in the personal accident health insurance.

3. How long is the personal accident cover valid for?

Aditya Birla Activ Secure Personal Accident policy is valid for 1 year, however you can renew the policy before it gets expired.

4. Is there any waiting period for personal accident health insurance?

No, there is no waiting period in accident health insurance.

Other Health Insurance Companies

Share your Valuable Feedback

Rating Icon

4.4

Rated by 2629 customers

Was the Information Helpful?

Select Your Rating

We would like to hear from you

Let us know about your experience or any feedback that might help us serve you better in future.

Reviews and Ratings
Simran Kaur Vij

Written By: Simran Kaur Vij

Simran is an insurance expert with more than 4 years of experience in the industry. An expert with previous experience in BFSI, Ed-tech, and insurance, she proactively helps her readers stay on par with all the latest Insurance industry developments.