Bankbazaar

Aditya Birla Activ Secure Health Plan

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.

 4.5 / 5.0   by 6408 users
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Health Insurance Reviews

Page 1 of 50 1 2 3 4 5
  • New India Health Insurance
    "Friendly policy"
    0.5 4.0/5 "Great!"
    From my organization, they have provided me a health insurance policy from New India Assurance. I have a claim experience too and they have done my claim within few hours since its a cashless facility. We put the claim very late even though they have processed within 5 hours. This policy covers for my entire family.
    Was this review helpful? 0
    , bangalore
    Reviewed on Dec 11, 2019
  • Apollo Munich
    Apollo Munich Health Insurance
    "Very useful policy for middle class people. "
    0.5 5.0/5 "Blown Away!"
    Am having my Apollo Munich health insurance policy for last 3 years because when i purchased the policy for the first year, they said if i don't claim, my coverage amount will get the amount of extra 2.5 lakhs. I paid the premium amount of Rs. 8000. This policy covers only for myself. I don't have any claim experience as of now. My plan name is optima restore.
    Was this review helpful? 0
    , chennai
    Reviewed on Dec 11, 2019
  • Star Health Health Insurance
    "Execellent in card division"
    0.5 5.0/5 "Blown Away!"
    I have a health insurance from STAR HEALTH and the policy coverage value was Rs. 15 lakhs. Customer service is excellent. This is a family floater policy and it covers all types of critical illness and i am paying premium annually Rs. 48,000. This policy covers all network hospital and i went for claim i got a cashless.
    Was this review helpful? 0
    , kolkata
    Reviewed on Dec 10, 2019
  • Reliance General Health Insurance
    "Feedback regarding claim department"
    0.5 0.5/5 "Unacceptable"
    Very bad experience at the time of claim settlement asking for so many unnecessary documents. Internal process is very slow takes 15days and more time to send the documents to respective departments. Experience so many difficulty kindly help me out asap
    Was this review helpful? 0
    , pune
    Reviewed on Dec 09, 2019
  • ICICI Lombard Health Insurance
    "Best policy"
    0.5 5.0/5 "Blown Away!"
    I have taken a health insurance policy from my company and this is from ICICI Lombard. This is an individual policy which covers me and family members individually and the coverage value was Rs. 20 lakhs . This is a life long policy which covers all major diseases.
    Was this review helpful? 0
    , kolkata
    Reviewed on Dec 09, 2019
  • Religare Health Insurance
    "Worst health insurance"
    0.5 0.5/5 "Unacceptable"
    Worst health insurance, they will process our claim only when they want or less we will get nothing. Worst health insurance, they will process our claim only when they want or less we will get nothing. Worst health insurance, they will process our claim only when they want or less we will get nothing.
    Was this review helpful? 0
    , mumbai
    Reviewed on Dec 09, 2019
  • HDFC Ergo Health Insurance
    "Family health cover policy"
    0.5 5.0/5 "Blown Away!"
    Based on my credit card, they have provided me a health insurance from HDFC Ergo. It covers for my entire family. They have given me a coverage amount of Rs. 6 lakhs. I have not applied for any claim till now. I pay the premium amount of Rs. 4,500 on every year. They cover most of the hospital in the city for that they provided me a list also.
    Was this review helpful? 0
    , chennai
    Reviewed on Dec 08, 2019
  • Oriental Insurance Health Insurance
    "Good one"
    0.5 5.0/5 "Blown Away!"
    There is no need to talk with the customer care of Oriental insurance and they have already provided the guidelines with the power point presentation and hospital list also. Most of the hospital is providing the cashless facility also. In my company they have provided me a health insurance from oriental. They have provided me a coverage amount of Rs. 3 lakhs which covers for myself.
    Was this review helpful? 0
    , navi mumbai
    Reviewed on Dec 07, 2019
  • National Insurance Health Insurance
    "Smooth transaction"
    0.5 5.0/5 "Blown Away!"
    I have taken a health insurance policy from my company and the insurance company is NATIONAL INSURANCE. The policy coverage was Rs. 2lakhs. Recently i got hospitalized and that was cashless treatment, and i got a claim also. This insurance covers all network hospitals. My company provides this policy me and my spouse and children. I got 90% of claim.
    Was this review helpful? 0
    , pune
    Reviewed on Dec 07, 2019
  • Religare Health Insurance
    "Best policy"
    0.5 5.0/5 "Blown Away!"
    I have taken a health insurance mediclaim policy from RELIGARE HEALTH. The coverage value I think its 3lakhs and i am paying premium on approximate of Rs. 13k-14k. This is a group policy they provided 2 policies one is group and other one individual. This is life long policy it covers all type of illness. Dental they wont cover in this policy and still there is a no claim.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Dec 06, 2019
  • United India Health Insurance
    "Very Good Policy"
    0.5 5.0/5 "Blown Away!"
    I have a health insurance from united India which is provided by my employer. I will recommend this medical insurance to all because the service was good and the claim disbursement time is very less within 25 days we are getting the claim amount. They processed the claim very fast and they are giving upto 80% coverage for my parents, myself, spouse and children the claim coverage up to 100%.
    Was this review helpful? 1
    , hyderabad
    Reviewed on Dec 06, 2019
  • Star Health Health Insurance
    "Best policy"
    0.5 3.0/5 "Satisfactory"
    I have taken a mediclaim policy from STAR HEALTH and this is a company policy. I am paying premium annually Rs. 14,000.This policy covers all type of critical illness and i went for claims 2 to 3 times its a cashless. They cover all network hospital and this is family floater policy.
    Was this review helpful? 0
    , hospet
    Reviewed on Dec 05, 2019
  • ICICI Lombard Health Insurance
    "Good service"
    0.5 5.0/5 "Blown Away!"
    I have taken medi claim from ICICI LOMBARD GENERAL INSURANCE. The coverage value was Rs. 5,00,000 and I am paying premium Rs. 5000. This policy covers all type of critical illness day care treatment. This is a cash less policy last year I had done claim of 2L. This insurance covers all network hospitals and this is a group policy.
    Was this review helpful? 0
    , vijayawada
    Reviewed on Dec 05, 2019
  • SBI General Health Insurance
    "Average Policy"
    0.5 3.0/5 "Satisfactory"
    I have taken a health insurance from SBI General because from Government side, I can claim the amount if I apply for reimbursement. I have paid the premium amount of Rs. 1000 on every year. They have not explained me about the coverage amount.
    Was this review helpful? 1
    , bangalore
    Reviewed on Dec 05, 2019
  • Bajaj Allianz Health Insurance
    "Good"
    0.5 3.0/5 "Satisfactory"
    My employer has given me a health insurance policy from BAJAJ ALLIANZ on 5 years before. The coverage amount of 5L. On yearly basis they will renew my policy. The premium amount of 10K use to pay. It covers particular hospitals and with multi specialty. There is cashless treatment as well. It covers my whole family.
    Was this review helpful? 0
    , medak
    Reviewed on Dec 04, 2019
  • review Health Insurance
    "Safety Policy"
    0.5 4.0/5 "Great!"
    Taken my health insurance from Birla Sun life. They approached me through call, when i accepted the same, they have given me a health insurance for my entire family with the coverage value of Rs. 3 lakhs. I have been paying the premium amount of Rs. 960 every month. In this policy, pre-existing disease has been covered.
    Was this review helpful? 0
    , dindigul
    Reviewed on Dec 03, 2019
  • Star Health Health Insurance
    "Very very delay in claims settlement. Experienced bad servic"
    0.5 2.0/5 "Expected more"
    Almost waited for 24 hrs for final settlement. Bad experience in cashless settlement. Late approval for pre approval and very very late in final settlement. Almost 24 delay in final settlement. Very bad experiance. Not at all recommended.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Dec 03, 2019
  • Royal Sundaram Health Insurance
    "Good"
    0.5 4.0/5 "Great!"
    I have taken a health insurance policy from ROYAL SUNDARAM.This is an individual policy and the coverage was Rs. 5,00,000. Annual premium i am paying Rs. 2000. This insurance covers all type of critical illness and still there is a no claim. Every year i am getting reminder call but i am not getting call to include my family members.
    Was this review helpful? 2
    , coimbatore
    Reviewed on Nov 29, 2019
  • review Health Insurance
    "Best mediclaim"
    0.5 5.0/5 "Blown Away!"
    I have taken a health insurance policy from ADITYA BIRLA HEALTH INSURANCE. This is a group policy and the coverage was Rs. 2,00,000. I am paying yearly premium around Rs. 3500 and this policy covers all type of critical illness, some disease will not cover need to be get cover.This policy covers all network hospitals.
    Was this review helpful? 0
    , coimbatore
    Reviewed on Nov 29, 2019
  • Oriental Insurance Health Insurance
    "Best policy"
    0.5 5.0/5 "Blown Away!"
    I have taken a health insurance from ORIENTAL INSURANCE. The coverage value was Rs. 5,00,000 and the premium i am paying Rs. 25,000. This is a group policy which covers all type of critical illness and also i am enjoying TAX benefits. I went for claim full amount i got reimburse and they have issued health ID card for claim it's very useful more over they cover all net work hospitals.
    Was this review helpful? 0
    , rajahmundry
    Reviewed on Nov 28, 2019
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