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Aditya Birla Activ Secure Health Plan

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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

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  • United India Health Insurance
    "Good Policy"
    0.5 5.0/5 "Blown Away!"
    My company has given me a health insurance from united India. My entire family has been covered in this policy. I had no claim experience so far and i have not checked about the list of hospitals. I'm happy about the coverage amount they have given to me.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 22, 2019
  • Apollo Munich Health Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I have taken my health insurance with Apollo Munich, there service is good, there agent had explain me about the policy which is covered in this insurance and they have tie up with many hospital and they have shared me there location , and the premium amount they have charged me up to 13,000, i use to pay through on line.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jan 22, 2019
  • United India Health Insurance
    "Best Policy"
    0.5 3.0/5 "Satisfactory"
    I have chosen the United India health insurance policy without any reason. I got this policy for my entire family. I pay the premium amount of Rs. 16000 nearly. I have a claim experience with them and they have processed the claim in 3 days. They have given a claim upto 80%
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 22, 2019
  • review Health Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I have a health insurance policy with BHARATHI AXA , this policy cover accident claim and there customer support team have explain me about this policy . And the premium i pay per year it nominal, i pay through on line. Till now i have no claim experience with them, i have took the policy like in every five years they will reduces 5 % if i do not claim it, till now there service was good.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jan 22, 2019
  • United India Health Insurance
    "Good Policy to take"
    0.5 5.0/5 "Blown Away!"
    I have purchased my United India health insurance in the year of 2002. I pay the premium amount of Rs. 12000. This is a primary plan. Me, my wife and my son has been covered in this policy. I have received the covered amount of Rs. 10 lakhs. I have not faced any issue in this policy.
    Was this review helpful? 0
    , ahmedabad
    Reviewed on Jan 22, 2019
  • HDFC Ergo Health Insurance
    "Average service"
    0.5 3.0/5 "Satisfactory"
    I have been using my health insurance with HDFC ERGO, they have charged me premium amount up to 500 rupees , this health insurance is a complimentary insurance issued my bank as i took this bank credit card, the premium amount it was to get deducted on yearly basis, and it use to get deducted from this bank credit card, and after that it converted in to Emi option, and till now i had no experience with this insurance, there is cash less treatment option available.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 22, 2019
  • Bajaj Allianz Health Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I took my Health insurance with Bajaj allianz general insurance, they have tie up with many hospital, and they have shared me location regarding this, so far there was no claim experience with them . There is cashless treatment option available , the premium amount they have charged me previously on monthly basis, it was nominal premium charges, i have been paid for 4-5 years continuously, now maturity period got completed.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jan 22, 2019
  • HDFC Ergo Health Insurance
    "Not satisfied with the service"
    0.5 1.0/5 "Really Bad"
    It was not quite a good experience i had with them where i had started this insurance policy in the year of 2009 and i had been paying the premium amount of 50,000 annually. There was not any single claim which i had made so far, until last year i had tried for a claim and the bill was around 40,000 and they had provided me with only 12,000 which was really a bad experience.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 21, 2019
  • HDFC Ergo Health Insurance
    "Its Good"
    0.5 1.0/5 "Really Bad"
    Before four month my health policy got expired I don't have interest to renew it again. HDFC Ergo representative called me for the renewal. I don't have claim experience but I believe they provide ac room hospitalization for per day Rs. 3000 will be charged from the insured value and they do have no bonus feature.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 21, 2019
  • Star Health Health Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I have been using my health insurance with Star health insurance, there service is good,i have applied two health loan , one for me and one for my parents, i had claim experience with it , as one year ago,i avail this insurance for my parents, there was cashless option available , and the premium amount they have charged me was nominal, for my parents i use to pay up to 27,000 as yearly basis, and for me 12,000 as yearly basis.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 21, 2019
  • HDFC Ergo Health Insurance
    "Excellent service"
    0.5 5.0/5 "Blown Away!"
    I have been using my health insurance with HDFC ERGO , the agent that explain me clearly about the policy, and there benefits,and they have tie up with many hospital and they have shared me excel regarding this, i had claim experience on 2016 , my claim experience with this bank was good, the premium amount they have been charged on yearly basis,they have charged premium nominal.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 21, 2019
  • Universal Sompo Health Insurance
    "Speedy claim recovery"
    0.5 4.0/5 "Great!"
    Holding my health insurance from Universal sompo. I'm not getting any mails or messages from Universal Sompo regarding the updates. The policy is really good. This is a 100% covered policy. They have processed the claim immediately with the cashless treatment. The hospital list is really good.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 20, 2019
  • ICICI Lombard Health Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I have taken my health insurance with ICICI Lombard general insurance, there service is good, there agent had explain me about the policy which is covered in this insurance and they have tie up with many hospital and they have shared me there location , and the premium amount they have charged me was nominal,i use to pay on yearly basis.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 20, 2019
  • HDFC Ergo Health Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I took my medi claim with HDFC ERGO, they have tie up with many hospital,and they have shared me the location regarding this,they have mention the location on excel,and the premium amount they have charged me is nominal,they have charged me on yearly basis.overall service is good.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 20, 2019
  • Apollo Munich Health Insurance
    "Average Policy"
    0.5 3.0/5 "Satisfactory"
    My organization has given me a health insurance from Apollo Munich. I have not gone through about the documents and hospital list. My entire family has been covered in this policy. They have given me a satisfied coverage value. I have not contact the customer care so far.
    Was this review helpful? 0
    , gurgaon
    Reviewed on Jan 20, 2019
  • HDFC Ergo Health Insurance
    "Average Policy"
    0.5 3.0/5 "Satisfactory"
    I have purchased the health insurance from HDFC Ergo. For some enquiry, i have called the customer care service and they have resolved my query immediately. I have not made any claim experience so far. I pay the premium amount of Rs. 37000 and myself has been covered in this policy.
    Was this review helpful? 0
    , gurgaon
    Reviewed on Jan 20, 2019
  • Star Health Health Insurance
    "Less premium with Extra benefits"
    0.5 3.0/5 "Satisfactory"
    Taken my health insurance policy recently from Star. Till now i have not spoke with the customer care. Since my age is above 50, i made the premium amount of Rs. 17000. Myself, my wife and child has been covered in this policy. They have given me a coverage value of Rs. 4 lakhs. Almost major hospital has been covered in this list.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 20, 2019
  • Reliance General Health Insurance
    "Overall Experience is good"
    0.5 4.0/5 "Great!"
    I'm using the health insurance from Reliance last 5 years. Since I'm the in charge of corporate insurance the customer care service is really fine. I made many claim from Reliance for other employee. As per the policy, they are fulfilling the customer needs. They are providing good cashless treatment facility. They used to send a updation on a regular basis.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 20, 2019
  • Apollo Munich Health Insurance
    "Very Good Policy"
    0.5 5.0/5 "Blown Away!"
    I have a corporate covered health insurance policy from Apollo Munich. They have given me a coverage value of Rs. 4 lakhs. My entire family has been covered in this policy. This policy covers all the major hospitals in all over India. I have not made any claim so far.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 20, 2019
  • ICICI Lombard Health Insurance
    "Average Policy"
    0.5 3.0/5 "Satisfactory"
    My health insurance was purchased from ICICI Lombard. To apply the claim, its a lengthy process. I had a claim experience and they have given the claim upto 80%. I pay the premium amount of Rs. 12500 every year. My entire family has been covered in this policy.
    Was this review helpful? 0
    , indore
    Reviewed on Jan 20, 2019
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