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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 6239 users
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Health Insurance Reviews

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  • HDFC Ergo Health Insurance
    "It's Excellent interms of claims but transparency needed for"
    0.5 3.0/5 "Satisfactory"
    HDFC has sold me a health insurance policy and they said after 3 years it covers maternity. But when I enquire they said its not covered in the policy and this feature is only applicable in Gold policy other than this no issues with HDFC for last 12 years. I did not have proof for this so suggest them it does not happen to any customer in future. I quite this policy from HDFC ERGO and its been one year. I took claims, it was fine. The medical coverage was satisfactory.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jul 20, 2019
  • United India
    United India Health Insurance
    "Medical cover should be increased"
    0.5 4.0/5 "Great!"
    My company gave me the medical card of United India, they gave me the mediclaim value of Rs. 2 lakhs its not sufficient when I am trying to enhanced the sum assured. My employer said to pay 10% of money from my end hence I dropped it, I think the insurer is providing cover for all the disease.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jul 20, 2019
  • review Health Insurance
    "So far its good"
    0.5 5.0/5 "Blown Away!"
    My company has provided me a health insurance with Iffco Tokio and its been 2 years. They are deducting monthly 2000 rupees from my salary. There is no claims applicable. The policy coverage is 6L for family members. They are covered with all type of major hospitals.
    Was this review helpful? 1
    , hyderabad
    Reviewed on Jul 20, 2019
  • ICICI Lombard Health Insurance
    "Good claim ratio with ICICI lombard"
    0.5 5.0/5 "Blown Away!"
    The service is faster and the claim settlement ratio is good. I have mediclaim value of Rs. 5 lakhs its covers my spouse and children, they don't have critical illness in the corporate policy. They got tied up with many hospitals in my area.
    Was this review helpful? 0
    , ghaziabad
    Reviewed on Jul 19, 2019
  • Oriental Insurance Health Insurance
    "Good for health"
    0.5 5.0/5 "Blown Away!"
    My company gave me the mediclaim of Rs. 50 lakhs its covers for my entire family around three members. They got tie up with many hospital, there was no additional value added but they are good in customer service. But I don't have any claim so far.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jul 18, 2019
  • HDFC Ergo Health Insurance
    "Good insurer"
    0.5 4.0/5 "Great!"
    I have taken a health insurance in HDFC ERGO on 2 years before. The policy is for yearly renewable.I am paying premium amount of 3 thousands in the half yearly package. While getting a policy my agent has given an information about the policy details. I use to do payments through an online. Tied up with many hospitals.
    Was this review helpful? 1
    , hyderabad
    Reviewed on Jul 17, 2019
  • Religare Health Insurance
    "Good insurer"
    0.5 4.0/5 "Great!"
    I have taken a health insurance in RELIGARE HEALTH on 2 months before. I am paying premium in the monthly package. While getting a policy my agent has given an information about the policy details. I use to do payments through an online.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jul 17, 2019
  • Royal Sundaram Health Insurance
    "Good insurer"
    0.5 4.0/5 "Great!"
    I have taken a health insurance in ROYAL SUNDARAM on last month only. I am paying premium in the monthly package. While getting a policy my agent has given an information about the policy details. They have tied up with particular hospitals only. I use to do payments through an online.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jul 17, 2019
  • Star Health Health Insurance
    "Good health insurance"
    0.5 5.0/5 "Blown Away!"
    5 years back, i have started taking the health insurance from Star health insurance. They are providing some discounts also but i did not get any claim till now. Its because of the best services an the premium is less hence i have purchased the policy with them. My entire family has been covered in this policy. I don't have any claim experience.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jul 16, 2019
  • HDFC Ergo Health Insurance
    "Not recommendable policy"
    0.5 3.0/5 "Satisfactory"
    I have chosen the health insurance from HDFC Ergo without any reason. I have been using the policy for a long time but they haven't provide the no claim bonus till now. They have provided me a coverage value of Rs. 7 lakhs and the executive come to my place to renew the policy. I do not have any claim bonus.
    Was this review helpful? 0
    , chennai
    Reviewed on Jul 16, 2019
  • United India Health Insurance
    "Good 100% claim policy"
    0.5 5.0/5 "Blown Away!"
    My employer has provided me a health insurance policy from United India. Myself and my entire family has been covered in this policy with a coverage value of Rs. 10 lakhs for each person. I had a claim experience which was very fast and smooth. It was cashless facility covered for 100%. Overall, I'm very much satisfied with the policy.
    Was this review helpful? 0
    , greater noida
    Reviewed on Jul 15, 2019
  • Max Bupa Health Insurance
    "Need to decrease premium amount"
    0.5 5.0/5 "Blown Away!"
    I have taken a health insurance in MAX BUPA. The policy is for one year but it will getting renew on every year. I am paying premium in the yearly package and the amount is too high. While getting a policy my agent has given an information about the policy details. They have tied up with particular hospitals only and cashless also applicable.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jul 15, 2019
  • Star Health Health Insurance
    "AVERAGE"
    0.5 3.5/5 "Pretty good"
    I am using from last few years the health insurance policy, i had a claim but the settlement was done for 70% within 3-4days. The coverage is for family, premium paying was nominal, medical coverage is for 4L, illness, pre existing disease coverage is available with the policy.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jul 14, 2019
  • Star Health Health Insurance
    "GOOD"
    0.5 5.0/5 "Blown Away!"
    I had a claim for 2 time and the experience was excellent, it was a reimbursement and cashless once also the customer support is good, i am using from last 10 years. It has the pre existing disease coverage and illness is there, listed hospital is good, premium was nominal, medical coverage is was 10L for family coverage.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jul 13, 2019
  • Oriental Insurance Health Insurance
    "No claim experince"
    0.5 4.0/5 "Great!"
    The benefits are good hence i opted for the oriental insurance. I have chosen the lower premium policy which has a coverage of Rs. 2 lakhs. I have chosen the policy only for me. Almost most of the hospitals has been covered with the cashless facility.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jul 13, 2019
  • Religare Health Insurance
    "Yet to explore the policy benefits"
    0.5 3.5/5 "Pretty good"
    My employer has given me a health insurance policy from Religare and they have provided me a coverage amount of Rs. 5 lakhs. Myself, my wife and my children are covered in this policy. Still now i haven't get my policy documents. They have a cashless facility with some of the hospital as well.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jul 13, 2019
  • Religare Health Insurance
    "GOOD"
    0.5 4.0/5 "Great!"
    I am using the policy from last 1year, i had a claim experience it was good and responsive with the customer support. The premium paid was nominal which was 46K+60K it gives the coverage for family and the medical coverage is for 5L for each, the listed hospital is nominal.
    Was this review helpful? 0
    , pune
    Reviewed on Jul 13, 2019
  • review Health Insurance
    "GOOD"
    0.5 3.0/5 "Satisfactory"
    I have used the heath insurance policy with IFFCO TOKIO GENERAL INSURANCE where i had claim experience but the settlement it takes nearly 3 months with the policy. It gives the coverage for my parents but the policy i am not satisfied.
    Was this review helpful? 0
    , pune
    Reviewed on Jul 13, 2019
  • review Health Insurance
    "GOOD"
    0.5 5.0/5 "Blown Away!"
    The reason for taking the health insurance policy with ADITYA BIRLA HEALTH INSURANCE CO LTD is because it is good when compared to others. the policy i am using from last 6 months and it has the validity of 1 year, it gives the self and spouse coverage.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jul 12, 2019
  • Max Bupa Health Insurance
    "GOOD"
    0.5 5.0/5 "Blown Away!"
    I have taken the health insurance policy with MAX BUPA where i had no claim experience with the policy added on that the policy has the premium as nominal has the good medical coverage. The i have been using from last 6 months and the coverage is for 2 years.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jul 12, 2019
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