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  • Aditya Birla Activ Secure Health Plan

     4.0 / 5.0   by 4999 users
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    Cashless Treatment

    Customer Service

    Medical Coverage

    Claim Experience

    Responsiveness

    Aditya Birla Health, a joint venture between Aditya Birla Group and MMI Holding Ltd. strives to create a wellness ecosystem by offering innovative health insurance products. To drive this effort, it has launched a health insurance plan called as the ‘Activ Secure Health Plan’. The plan falls under the retail fixed benefit product category and was designed with an objective of safeguarding individuals from unpredicted medical calamities. The Activ Secure Health plan comes in 4 variants - Personal Accident, Critical Illness, Cancer Secure, and Hospital Cash.

    All the 4 variants of the Activ Secure Health plan not only safeguard individuals against medical exigencies but also motivates individuals to stay physically fit by rewarding policyholders with cashback incentives. Let’s take a look at the individual features and benefits offered by each of the variants of Activ Secure Health plan.

    Activ Secure Personal Accident:

    • In case of death of the policyholder due to an accident, the nominated beneficiary will receive 100% of the sum insured.
    • If the policyholder is rendered permanent total disablement owing to an accident, he/she is entitled to receive 100% of the sum insured. In case of permanent partial disablement, the amount will depend on the nature of the disability.
    • If the policyholder is survived by a dependent child, a lump sum amount of 10% of sum insured will be paid upon the death of the policyholder.
    • Up to Rs.10,000 can be availed for emergency road ambulance services.
    • For funeral and cremation expenses, 1% of the sum insured which can go up to Rs.50,000, will be provided.
    • A cover of Rs.50,000 will be given for transportation of mortal remains from the death place to the cremation ground or residence of the deceased policyholder.
    • In the event of death of the parents, the dependent children will receive 10% of the sum insured and the amount can go up to Rs.15 lakh.
    • Modification benefit of up to Rs.1 lakh will be given towards residence/vehicle improvements in case the policyholder is rendered physically disabled.
    • Relatives who wish to visit the policyholder during their time of hospitalisation can get their travel expenses reimbursed. For domestic travel, the maximum amount is Rs.10,000 while for international travel, the maximum amount is Rs.25,000.
    • For every policy year where no claims have been made, the policyholder is eligible for a 5% bonus on the insured sum and the maximum amount can go up to 50% of the sum insured.
    • Some optional covers that can be availed under the Activ Secure Health Personal Accident plan are - adventure sports cover, broken bones benefit, coma benefit, burn benefit, temporary total disablement, worldwide emergency assistance services, etc.

    Activ Secure Critical Illness:

    • There are 3 plans under this health plan that offers cover for 20, 50 or 64 illnesses.
    • Plan 1 offers protection against 20 critical illnesses and the policyholder will be eligible for 100% payout on diagnosis.
    • 50 critical illnesses are covered under plan 2 and the policyholder is entitled to 100% payout on diagnosis.
    • In plan 3, coverage is offered for 64 critical illnesses and if the insured person has opted for a cover for more than one critical illness, he/she is eligible for a maximum payout of 150% of the sum assured.
    • Optional covers include second opinion from medical practitioners and wellness coach.

    Activ Secure Cancer Secure:

    • Offers protection for all stages of cancer - early, major, and advanced.
    • In case the policyholder is affected by the advanced stage of cancer, he/she is entitled to receive a compensation of up to 150% of the sum insured.
    • Early stage of cancer is eligible to receive 50% of the sum insured while major stage of cancer will receive 100% of the sum insured.
    • The option of second opinion is also available for the policyholder.
    • Cumulative bonus of 10% can be earned for every claim-free year.
    • To help the policyholder recover, a wellness coach can be provided.

    Activ Secure Hospital Cash:

    • Provides protection for indirect hospital expenses like to and fro travel to hospital, attendant charges, post-discharge expenses, etc.
    • Irrespective of the hospital bill, a daily cash allowance will be given for hospital-related expenses.
    • The daily cash allowance can range from Rs.500 to Rs.10,000.
    • In case the policyholder is admitted to an Intensive Care Unit (ICU), the daily cash allowance will double and is payable for 10 days per year.
    • If the insured is below 12 years of age and needs hospitalisation for more than 72 hours, the same daily cash benefit will be applicable.

    All the above 4 variants of the Activ Secure Health plan are meant to provide financial cover in times of medical distress caused by accidents, cancer or critical illness while also ensuring the overall wellness of individuals.

    Health Insurance Reviews

  • Page 1 of 50 1 2 3 4 5
    • National Insurance Health Insurance
      "Good Service so far"
      0.5 4.0/5 "Great!"
      I've a health insurance policy with the National Insurance. It offers an annual Coverage of 3 lacs, the policy covers me and my parents and I do not have any claim experience with the policy so far. I never had any issues with their services.
      Was this review helpful? 1
      , gurgaon
      Reviewed on Jul 14, 2018
    • ICICI Lombard Health Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      I've a health insurance policy with the ICICI Lombard. It took almost one month to receive the policy document soft copy. I am paying a premium of 650 per month. They're yet to send me the hard copy. Overall it hasn't been a good experience with the policy so far.
      Was this review helpful? 0
      , delhi
      Reviewed on Jul 14, 2018
    • Reliance General Health Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've been using the Health Insurance policy from the Reliance General Insurance. The company is paying the premium. The policy covers me and my parents. The policy offers an annual coverage of 5 lacs for me and 2 lacs for my parents. So fat I do not have any claim experience with the policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 14, 2018
    • HDFC Ergo Health Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've an employer provided health insurance policy with the HDFC Ergo. It offers an annual coverage 5 lacs, the company is paying the premium. I do have any claim experience with the policy. I have claimed this policy two times for me and wife both they approved. The claim processing was really easy and they settled almost 30000.
      Was this review helpful? 0
      , pune
      Reviewed on Jul 14, 2018
    • Apollo Munich Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insured with Apollo Munich from more than 10 years and it is an individual policy. I am happy with the coverage value of this insurance policy. I have not claimed anything so far from this insurance policy and the policy is covered up to Rs 3-4 lakhs.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 13, 2018
    • Star Health Health Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have a health insurance policy with Star health from last 7 years and it is one of the good insurance policy. I pay a premium of Rs 10000 for this insurance and it is a family heath policy. My claim experience was good and i have claimed 2 times. The coverage value was 90% and it was a cashless treatment.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Jul 12, 2018
    • United India Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insured with United India Insurance from last 15 years, i am happy with the coverage value of this insurance policy. I have no claim experience so far with this insurance policy. This is a family policy so the coverage value is Rs 3 lakhs.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Jul 12, 2018
    • review Health Insurance
      "Good to take the Health insurance policy"
      0.5 4.0/5 "Great!"
      I have a claiming experience. There is plenty of hospitals covered in Hydrabad area. The claiming experience is good and it was done within 15 days. I claimed the maximum amount of Rs. 25000 till now and i can claim upto 5 lakhs for me and my family. Cashless treatment facility is also treatment. The company will take care of premium amount and all.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 11, 2018
    • Bajaj Allianz Health Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've a health insurance policy with the Bajaj Allianz. Their service is very good. I have raised almost three claims and the processed those claims with out any delays. Everything was smooth and hassle free. I am really impressed with their services.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 11, 2018
    • ICICI Lombard Health Insurance
      "Good Service"
      0.5 3.5/5 "Pretty good"
      I've a health insurance policy from the ICICI Lombard which is provided by the Company. The company is paying the premium. It covers almost all treatments, I do not have any claim experience with the policy. I'll have to wait and see how they respond to my claim in case if I'll have any.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 11, 2018
    • HDFC Ergo Health Insurance
      "Best policy"
      0.5 4.5/5 "Excellent!"
      I have my health insured with HDFC ERGO from last 3.5 years, i am happy with the coverage value of this insurance policy. I have not claimed anything so far from this insurance policy. I paid a premium of Rs 10000 for 2 years and the coverage value is Rs 10 lakhs for this insurance.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 11, 2018
    • Bajaj Allianz Health Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      I've been using the Health insurance policy from Bajaj Allianz for a while now. The Experience is good, don't have any claim experience. I pay a premium of 8000 Per year. I never had any claim experience with the policy so far. When considering the features it is a good policy to have.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 10, 2018
    • Star Health Health Insurance
      "Average Policy"
      0.5 3.0/5 "Satisfactory"
      I have my health insured with Star health from last 2 years, i am not aware of the premium amount as my company pays it. It is a family health policy and the coverage value is Rs 4-5 lakhs. My claim experience was not up to the mark as they covered only 80% and it was a cashless treatment.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 10, 2018
    • National Insurance Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insured with National insurance from last 7 months, i am happy with the coverage value of this insurance policy. I have not claimed anything so far from this insurance policy. This is a family health policy and the coverage value is Rs 2 lakhs for this policy.
      Was this review helpful? 0
      , guwahati
      Reviewed on Jul 09, 2018
    • Bajaj Allianz Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insured with Bajaj Allianz from last 3 years and it is a good policy to use. I paid an one time payment for Rs 6000 for this insurance policy. I have not claimed anything so far from this insurance policy and i have a coverage value of Rs 1 lakh for this insurance.
      Was this review helpful? 0
      , ratlam
      Reviewed on Jul 06, 2018
    • Star Health Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I hold a health insurance with Star health from last 7 years, i am not aware of the premium amount as my company pays it. It is a family health policy where the coverage value is Rs 3 lakhs. I have not claimed anything so far from this insurance policy.
      Was this review helpful? 0
      , kochi
      Reviewed on Jul 05, 2018
    • HDFC Ergo Health Insurance
      "Very Good health insurance policy"
      0.5 5.0/5 "Blown Away!"
      I have not used the claim for the policy. The benefits is excellent with HDFC Ergo. I can claim the policy upto 3 lakhs if its exhausted i can avail more than 6 lakhs. I used to pay the premium of Rs. 3500 per years. The cashless treatment is available and its a ax benefitable policy. I have already recommended many of my friends
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 05, 2018
    • ICICI Lombard Health Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      I've been using the ICICI Lombard health insurance policy for a while. This policy is for me and my mother. I never had any claim experience with the policy. Overall I never faced any issues with their services. I'll have to wait and see how they respond to my claims in future.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 04, 2018
    • New India Health Insurance
      "Good health insurance policy"
      0.5 5.0/5 "Blown Away!"
      I never called the customer care service of New India insurance people. I have a claim experience twice. It is easy to claim by using the New India. I can claim upto 1 lakhs since the coverage amount for the same. I have taken this insurance for my family also. I can avail a cashless treatment. They covered everywhere means most of the hospitals in the city. I used to pay the premium of Rs. 22000 per year.
      Was this review helpful? 0
      , chennai
      Reviewed on Jul 02, 2018
    • Apollo Munich Health Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've a health insurance policy from the Appollo Munich. I pay a premium of 1500 per year for a coverage of 3 lacs. This policy is only for me. On one occasion they given me 50% amount for a medical test. Overall it has been a good experience with their services.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 02, 2018
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