Aditya Birla Activ Secure - Personal Accident Plan

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      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.

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      Aditya Birla Activ Secure - Personal Accident: Key Highlights

      Categories Specifications
      Sum Insured Rs 1 lakh to Rs 20 crore
      Policy Tenure 1 year, 2 years, 3 years
      Network Hospitals 10051+
      Incurred Claim Ratio (2020-21) 49.99%
      Discount 10% family discount

      Benefits of Aditya Birla Activ Secure - Personal Accident Plan

      Take a look at the key benefits of the Aditya Birla Activ Secure – Personal Accident plan:

      Accident Death & Disability Cover

      This personal accident insurance policy provides coverage for the death or disability of the insured arising out of an unfortunate accident, which is generally excluded under most health plans. 

      No Waiting Period

      Unlike most health insurance plans, this policy comes with no waiting period because accidental injuries are covered from day 1.

      Cumulative Bonus

      For every claim-free year, the Aditya Birla Health Insurance Company will provide a cumulative bonus of 5% for up to a maximum of 50%. This bonus will increase the sum insured amount for no extra premium amount. 

      Cashless Hospitalization Facility

      Cashless hospitalization facilities can be availed at over 10051 network hospitals of the insurance company spread across the country.

      Tax Benefits

      The policyholder can claim tax benefits for the amount paid as a premium for the Aditya Birla Activ Secure – Personal Accident plan as per Sec 80D of the IT Act.

      What is Covered by Aditya Birla Activ Secure - Personal Accident Plan?

      The Aditya Birla Activ Secure – Personal Accident plan comes in five variants – Plan I, Plan II, Plan III, Plan IV and Plan V. Given below are the medical expenses covered under this personal accident insurance policy:

      • Accidental Death – It provides 100% of the sum insured amount to the policyholder’s family in case he/she dies in an accident.
      • Permanent Total Disablement – It covers the insured for permanent total disability resulting from an unfortunate accident
      • Permanent Partial Disablement – It provides coverage for permanent partial disability of the insured arising out of an accidental injury. 
      • Education Benefit – It pays a lump sum amount for the education of the insured’s children in case of accidental death or permanent total disablement.
      • Emergency Road Ambulance – It 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. 
      • Funeral Expenses – It pays a lump sum amount for the funeral of the insured in case he/she passes away due to an accident. 
      • Repatriation of Mortal Remains – It provides a lump sum amount of Rs 50,000 for the repatriation of the mortal remains of the insured in case of accidental death.
      • Orphan Benefit – It pays a lump sum amount for the well-being of the dependent child of the insured in case he/she dies in an accident and the child becomes an orphan. 
      • Modification Benefit – It covers the cost of modifying the house and vehicle of the insured up to a maximum of Rs 1 lakh in case he/she suffers from permanent total disablement or permanent partial disablement due to an accident. 
      • Compassionate Visit – It pays for the cost of return air tickets of an immediate relative of the insured to the place where he/she met with an accident leading to death and permanent total disablement. 

      Optional Cover:

      • Temporary Total Disablement – It covers the insured for temporary total disability resulting from an accidental injury for a maximum of 100 weeks.
      • Accidental In-patient Hospitalization – It covers the medical expenses incurred on in-patient hospitalization and day care treatments of the insured required due to an accidental injury.
      • EMI Protect – It 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. 
      • Broken Bones Benefit – It covers the medical expenses incurred on the treatment of broken bones caused by an unfortunate accident.
      • Loan Protect – It 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.
      • Coma Benefit – It provides a lump sum amount to the insured’s family in case he/she suffers from a coma due to an accidental injury.
      • Burn Benefit – It pays a lump sum amount to the insured in case he/she sustains severe burns as a result of an accident.
      • Accidental Medical Expenses – It covers the medical expenses incurred on OPD consultations and day care procedures in case an accident leads to the death or disability of the insured.
      • Adventure Sports – It pays a lump sum amount of up to Rs 10 lakh in case the insured dies or suffers from a permanent total disability in an accident caused while participating in an adventure sports activity.
      • Worldwide Emergency Assistance Services – It provides emergency medical evacuation and medical repatriation services to the insured in case he/she meets with an accident while travelling abroad.
      • Wellness Coach – It offers a wellness coach to the insured that helps in maintaining a healthy lifestyle, including weight management, nutrition, activity & fitness and tobacco cessation.

      What is Not Covered by Aditya Birla Activ Secure - Personal Accident Plan?

      The Aditya Birla Activ Secure – Personal Accident plan does not cover medical expenses arising out of the following:

      • Pre-existing diseases
      • Suicide or intentional self-injury
      • Bacterial infections (except those resulting from accidental injury)
      • Accidents occurring under the influence of alcohol or intoxicants
      • Mental illness
      • Pregnancy
      • Preventive health check-ups
      • Sexually transmitted diseases
      • Congenital anomaly
      • Hernia
      • Venereal diseases
      • Insect bite

      Eligibility Criteria of Aditya Birla Activ Secure - Personal Accident Plan

      The eligibility criteria to buy an Aditya Birla Activ Secure – Personal Accident plan is as follows:

      Parameters Eligibility Criteria
      Minimum Entry Age 5 years
      Maximum Entry Age 65 years
      Coverage Type Individual
      No. of Relationships 10
      Relationships Covered Self, spouse, children, parents, parents-in-law

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