Aditya Personal Accident Plan vs Reliance Specially Abled Health Insurance Plan 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

Reliance Specially Abled Health Insurance Plan

Product Type Accident Health Insurance Individual
Key Features
(Key features of the plan)
  • Up to 20 Cr SI
  • 11 Optional Covers
  • Avail Wellness Benefit
  • Insurance for PWDs
  • In-patient/daycare procedures cover
  • Modern treatment cover
OPD Details
(In some policies, OPD (Out patient department) expenses are also covered.)
- -
Room Rent
(A limit of room rent cover during hospitalization if any)
- -
Domicillary Hospitalization
(It is the expenses incurred on treatment of the patient at home)
- -
Pre-hospitalization
(Expenses before the insured is hospitalized)
- -
Post-hospitalization
(Expenses after discharge from the hospital)
- -
Day Care Treatment Covered
(Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.)
- -
Hospital_network
(Number of Hospital Network in city)
12900 9100
Organ Donor Expenses
(Expenses incurred on organ donor in case of organ transplants)
- -
Hospital Daily Allowance
(Some plans offer daily allowance to take care of expenses like food, etc)
- -
Ambulance Charges
(Expenses incurred on ambulance charges)
- -
Maternity Benefits
(All Hospitalization cost covered at the time of pregnancy.)
- -
New Born Baby Covered
(Newborn babies can be covered under the insurance plan after a certain period)
- -
Health Checkup
(An added benefit of one time full health checkup of policy holder.)
- -
Sub Limit
(Sub-limit is a monetary capping that applies on specific diseases like cataract)
- -
Co-pay
(Mentioned %, if any is to be borne by Insured and rest will be borne by insurer)
- -
Plan Entry Age Minimum: 5 Years, Maximum: 65 Years Child: 1 - 17 years, Adult: 18 - 65 years
Plan Premium Entry Age and S/A 212 2,800
Plan Waiting Period None 30
Plan Coverage - -
Plan Sample Premium 212 NA
Plan Brochure Brochure URL Brochure URL
Policy Term 1/2/3 Years 1, 2, 3 years
ICU Charges - -
Covid-19 Treatment - -
Cataract - -
Automatic Restoration - -
Ayush Treatment - -
Modern Treatment - -
E Consultation - -
Air Ambulance - -
Global Coverage - -
Claim Ratio 96 87.50
Solvency Ratio 1.88 2.35
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