About Aditya Birla Activ Secure - Personal Accident Plan
The Aditya Birla Activ Secure – Personal Accident plan provides financial protection to the family in case an accident leads to the death or disability of the insured. It ensures the livelihood and well-being of the family do not get disrupted in the absence of the breadwinner. This policy comes with zero waiting period and can be extended to ensure coverage across the globe.
Aditya Birla Activ Secure - Personal Accident Plan: Key Highlights
| Categories | Specifications |
|---|---|
| Sum Insured | ₹1 lakh to ₹20 crore |
| Discount | 10% family discount |
or select from popular citiessSearch Activ Health Platinum Enhanced Cashless Network Hospital list
Key Benefits of Aditya Birla Activ Secure - Personal Accident Plan
Aditya Birla Activ Secure - Personal Accident Plan Inclusions, Exclusions & Optional Cover
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Accidental DeathIt provides 100% of the sum insured amount to the policyholder's family in case he/she dies in an accident.
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Permanent Total DisablementIt covers the insured for permanent total disability resulting from an unfortunate accident
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Permanent Partial DisablementIt provides coverage for permanent partial disability of the insured arising out of an accidental injury.
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Education BenefitIt pays a lump sum amount for the education of the insured's children in case of accidental death or permanent total disablement.
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Emergency Road AmbulanceIt covers the cost of emergency road ambulance services used to transport the insured from the accident site to the hospital for up to a maximum of Rs 10,000.
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Funeral ExpensesIt pays a lump sum amount for the funeral of the insured in case he/she passes away due to an accident.
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Pre-existing diseases
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Suicide or intentional self-injury
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Bacterial infections (except those resulting from accidental injury)
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Accidents occurring under the influence of alcohol or intoxicants
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Mental illness
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Pregnancy
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Temporary Total DisablementIt covers the insured for temporary total disability resulting from an accidental injury for a maximum of 100 weeks.
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Accidental In-patient HospitalizationIt covers the medical expenses incurred on in-patient hospitalization and day care treatments of the insured required due to an accidental injury.
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EMI ProtectIt pays the EMI of the insured for three months in case he/she dies in an accident or suffers from a permanent total disability or permanent partial disability.
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Broken Bones BenefitIt covers the medical expenses incurred on the treatment of broken bones caused by an unfortunate accident.
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Loan ProtectIt pays the remaining loan amount of the insured in case he/she dies in an accident or suffers from permanent total disability. However, this cover is only available for a sum insured of up to Rs 10 crore.
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Coma BenefitIt provides a lump sum amount to the insured's family in case he/she suffers from a coma due to an accidental injury.
In case of emergency we are just a call away. Take care of your family, we will do the rest. Our claim specialists will reach your location & complete the formalties from filing the claim to documentation to coordinating with insurer, TPA & hospital. Available in New Delhi and 114+ cities View cities list ›Policybazaar Claim Process
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Aditya Birla Activ Secure - Personal Accident Plan: FAQs
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Q1. How is the sum insured under an Aditya Birla Activ Secure – Personal Accident policy determined?
Ans: Under the Aditya Birla Activ Secure – Personal Accident plan, the maximum sum insured for an earning person is 12 times the annual gross income. For a non-earning spouse, the maximum sum insured can be Rs 30 lakh. Similarly, the maximum sum insured for children and non-earning parents & parents-in-law is Rs 15 lakh. -
Q2. Can my minor child be the nominee under my Aditya Birla Activ Secure – Personal Accident policy?
Ans: Yes. You can make your minor child as a nominee under your Aditya Birla personal accident insurance plan. However, you also need to assign a guardian for your minor child in this case. -
Q3. Is accident covered in mediclaim?
Ans: All Aditya Birla mediclaim policies provide coverage for accidental hospitalization. However, coverage for accidental death and disability is available under the Aditya Birla Activ Secure – Personal Accident plan.
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Q. What is the advantage of selecting a policy with a duration of more than 1 year?
Ans: If one buys Aditya Birla Health Insurance for more than a year, one can save 7.5 % and 10% on the 2 and 3 years premium, respectively.
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Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
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Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
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Q. What is a waiver of a mandatory co-pay cover?
Ans: This benefit is covered on payment of an additional premium. Therefore, any mandatory co-payment that is applicable under the Aditya Birla Activ Health Essential Plan will be waived off.
Aditya Birla offers two types of claim settlements – cashless and reimbursement. Follow the steps to raise a claim:
- Find the nearest network hospital of Aditya Birla
- Get admitted to the hospital
- Notify the insurance company about the hospitalization
- In case of pre-planned hospitalization, intimate the insurer before hospital admission.
- Fill up the pre-authorization form and submit it to the hospital staff
- The pre-authorization form will be sent to Aditya Birla for approval.
- Once approved, obtain medical treatment.
- At the time of discharge, sign all the medical documents.
- Pay for the items/services not covered under the Aditya Birla policy
- The network hospital will send the hospital bill to Aditya Birla.
- After review, the insurance company will pay the bill amount directly to the network hospital.
- Inform the insurance company about the hospitalization
- In case of planned hospitalization, notify the insurer before hospital admission.
- Receive medical treatment
- At the time of discharge, pay the entire hospital bill in full.
- Collect all the medical documents, bills and payment receipts
Our Claim specialists in below cities will reach your hospital or home in 30 minutes to support your health insurance claim
