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.

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

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Aditya Birla Activ Secure Personal Accident Policy

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