Aditya Personal Accident Plan vs Acko Arogya Sanjeevani Policy Health Insurance Plan 2026 | PolicyX

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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 DETAILS

Aditya Personal Accident Plan

Acko Arogya Sanjeevani Policy

Product Type Accident Health Insurance Individual and Family Health Insurance
Key Features
(Key features of the plan)
  • Up to 20 Cr SI
  • 11 Optional Covers
  • Avail Wellness Benefit
  • COVID-19 treatment coverage
  • No pre-policy health check-ups till 45
  • Lifelong renewability
OPD Details
(In some policies, OPD (Out patient department) expenses are also covered.)
- Not Covered
Room Rent
(A limit of room rent cover during hospitalization if any)
- Covered
Domicillary Hospitalization
(It is the expenses incurred on treatment of the patient at home)
- Not Covered
Pre-hospitalization
(Expenses before the insured is hospitalized)
- Covered
Post-hospitalization
(Expenses after discharge from the hospital)
- Covered
Day Care Treatment Covered
(Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.)
- Covered
Hospital_network
(Number of Hospital Network in city)
12900 14300
Organ Donor Expenses
(Expenses incurred on organ donor in case of organ transplants)
- Not Covered
Hospital Daily Allowance
(Some plans offer daily allowance to take care of expenses like food, etc)
- Not Covered
Ambulance Charges
(Expenses incurred on ambulance charges)
- Covered
Maternity Benefits
(All Hospitalization cost covered at the time of pregnancy.)
- Not Covered
New Born Baby Covered
(Newborn babies can be covered under the insurance plan after a certain period)
- Not Covered
Health Checkup
(An added benefit of one time full health checkup of policy holder.)
- Not Covered
Sub Limit
(Sub-limit is a monetary capping that applies on specific diseases like cataract)
- Not Applicable
Co-pay
(Mentioned %, if any is to be borne by Insured and rest will be borne by insurer)
- Applicable
Plan Entry Age Minimum: 5 Years, Maximum: 65 Years Child: 3 Months - 25 Years, Adult: 18 - 65 Years
Plan Premium Entry Age and S/A 212 3099
Plan Waiting Period None 30 Days
Plan Coverage - Hospitalisation expenses covered, Pre & post-hospitalisation, Daycare & AYUSH treatments
Plan Sample Premium 212 3099
Plan Brochure Brochure URL Brochure URL
Policy Term 1/2/3 Years 1 Year
ICU Charges - Covered
Covid-19 Treatment - Covered
Cataract - Covered
Automatic Restoration - Not Covered
Ayush Treatment - Covered
Modern Treatment - Covered
E Consultation - Not Covered
Air Ambulance - Not Covered
Global Coverage - Not Covered
Claim Ratio 96 96.31
Solvency Ratio 1.88 2.30
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