Aditya Birla Activ Secure Personal Accident Policy

Aditya Birla Activ Secure Personal Accident Plan

The Aditya Birla Activ Secure Personal Accident Plan is designed to protect you and your family in case of any unforeseen incident. This plan offers comprehensive coverage for:

• 100% cover for permanent disabilities due to accidents
• 100% cover for 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:

1. Select your base sum insured, ranging between INR 1 Lac to 20 Crore.
2. Choose your base coverage from 5 different base plans with varying features and benefits.
3. Opt for optional covers from a total of 11 available under the plan.

Activ Secure Personal Accident Plan At A Glance

Plan Details

• Plan Type: Accidental Plan
• Sum Insured: 1 Lac - 20 Crore
• Network Hospitals: 10051+
• Optional Covers: 11
• No Claim Bonus: 5% every claim-free year, maximum 50% of Sum Insured (applicable for Sum Insured up to 10 Crores only)

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)

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.

Benefits of Activ Secure Personal Accident Plan

The 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

  The 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

  The 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 Years

Relationships Covered

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

Initial Waiting Period

None

Policy Tenure

1/2/3 Years

In A Nutshell

The 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.