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Aditya Birla Activ Secure-Hospital Cash

Hospital visits are dreadful when you or your family member is admitted to one. But what’s worse are the bills that accompany it. Hence, most of us secure ourselves and our families by buying a health insurance plan. Health insurance plans cover hospitalisation expenses in case of a medical crisis so that you do not have to spend your savings at a time when medical costs are soaring high.

Most health insurance providers offer policies that cover pre and post-hospitalisation expenses, day care treatments, and domiciliary treatments. However, during hospitalisation there may be some additional expenses that your insurance policy will not provide cover for and which can also burn a hole in your pocket. Some of the expenses that can be incurred are - travel expenses to and from the hospital, nurse or attendent charges, food or refreshments taken during the hospital stay, cost of medical supplies like bandages, post-discharge expenses, etc. So, how can one get relief from bearing such expenses? The answer is simple - by opting for a hospital cash benefit cover. This cover will entitle the policyholders to receive a daily cash hospital allowance that will help them pay for the extra costs incurred during hospitalisation.

The Activ Secure-Hospital Cash plan is one such health insurance offering by Aditya Birla Health Insurance (ABHI). This plan empowers policyholders to receive a daily cash allowance for each day of hospitalisation without taking the hospital bills into account. The daily allowance amount can range from Rs.500 to Rs.10,000. If in case the policyholder is required to be hospitalised in an Intensive Care Unit (ICU), he/she can avail double benefits under the Activ Secure-Hospital Cash plan. An additional benefit can be also availed by the policyholder if his/her hospital stay extends beyond 7 days.

One feature that differentiates the health insurance plans offered by Aditya Birla Health Insurance is the option of availing a wellness coach. The wellness coach will educate and engage individuals to understand the importance of a healthy behaviour and proactively managing it. The policyholder can access wellness coaching in areas of fitness, weight management, nutrition and tobacco cessation. The coaches will be available on chat through a mobile app and website or as a call-back service.

Features and Benefits of Activ Secure-Hospital Cash:

Daily Cash Benefit (DCB) - To avail the daily cash allowance, the insured person needs to complete at least 24 hours in the hospital. One can choose this benefit for 30 days, 45 days, or 60 days in a year. This benefit, however, cannot be availed in case of day care treatments.

Double Benefit Cover - In case the insured person meets with a road accident and is hospitalised or if he/she has to be admitted to an ICU, the daily cash allowance will be doubled. In a policy year, the double benefit can be availed for a maximum of 10 days. The double benefit will only be available for the number of days spent in the ICU and not for a complete stay at the hospital.

Convalescence benefit - If the insured individual is hospitalised for more than 7 days and if the claims have already been paid for 7 days, an additional lump sum which is equal to the one DCB will be paid to the policyholder.

Deductible per claim - Under the policy, a deductible of one day is applicable.

Parental accommodation benefit - If the insured policyholder is 12 years old or below and is hospitalised for more than 72 hours, an additional amount equalling to one DCB will be paid as a lump sum amount towards the accommodation of the policyholder's parent(s).

The Activ Secure-Hospital Cash plan can be a real saviour by covering the miscellaneous expenses that are incurred during hospitalisation.

 4.5 / 5.0   by 6136 users
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Activ Secure-Hospital Cash Reviews

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  • Star Health Health Insurance
    "Good"
    0.5 5.0/5 "Blown Away!"
    I have taken a health insurance in STAR HEALTH for more than 3 years. The policy is for 20 years. I am paying premium in the yearly package. While getting a policy my agent has given an information about the policy details and provided documents as well. I use to do payments through an online. They have tied up with many hospitals. There is an option for a cashless treatment.
    Was this review helpful? 0
    , kolkata
    Reviewed on Jun 17, 2019
  • Reliance General
    Reliance General Health Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I have taken health insurance with Relience GENERAL INSURANCE for my family , the agent had given me all informations and shared me the location which they have tie up with many hospital, the premium amount i use to pay on yearly basis , i use to pay upto 10,000, it use to get auto debited from my account.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jun 16, 2019
  • SBI General Health Insurance
    "Average card"
    0.5 3.0/5 "Satisfactory"
    I have taken my health insurance with SBI general insurance just twenty days back, they have tie up with many hospital but i have not done any claim experience with me , the premium amount i need to pay on yearly basis up to 3400 , i have taken this insurance for my family medical coverage for cash less treatment.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jun 16, 2019
  • ICICI Lombard Health Insurance
    "Not satisfied"
    0.5 1.0/5 "Really Bad"
    I was holding ICICI lombard health insurance previously , but i was not much happy with their service, their service is not up to the mark, the agent had convince me take this insurance, i have taken for me this insurance, but my claim experience was not good ,like i was admitted to that hospital where unfortunately they did not had tie up with , but the agent said no issue you can do reimbursement that amount, but after that they did not did so , so i closed it.
    Was this review helpful? 0
    , noida
    Reviewed on Jun 14, 2019
  • Royal Sundaram Health Insurance
    "Average service"
    0.5 3.0/5 "Satisfactory"
    I have a health insurance policy with Royal sundaram from past 4-5 months, this policy cover accident claim and there customer support team have explain me about this policy and the premium per year it nominal, but i did not got policy card or hard copy of that they have just send me soft copy about the policy, i use to pay through on line, till now there service was good. So far i did not done any claim experience.
    Was this review helpful? 0
    , noida
    Reviewed on Jun 14, 2019
  • Star Health Health Insurance
    "GOOD"
    0.5 5.0/5 "Blown Away!"
    I have been using the health insurance policy since from last 2 years. I had no claim experience and the premium paid 10500 rupees, medical coverage is for 3L for family. There are no other coverage is there in this policy, the listed hospital is good.
    Was this review helpful? 0
    , pune
    Reviewed on Jun 14, 2019
  • Star Health Health Insurance
    "Reliable policy"
    0.5 4.0/5 "Great!"
    Purchased my health insurance policy from star company. Because of the word of mouth, i have taken the policy with them. Yearly twice i have been paying the premium amount. I pay the premium amount of RS. 6000 in half year. For me and my mother has been covered in this policy. I do not have any claim experience so far. I make the premium through online.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jun 14, 2019
  • Tata AIG Health Insurance
    "Average service"
    0.5 3.0/5 "Satisfactory"
    I have been using TATA AIG health insurance from long time, they have tie up with many hospital and had shared me the location of it, so far i did not taken any claim experience, the premium amount i use to pay on quarterly basis , it use to get auto debited from my account.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jun 13, 2019
  • HDFC Ergo Health Insurance
    "Very Good Policy"
    0.5 5.0/5 "Blown Away!"
    I have not claimed anything from the HDFC ergo. This is a very good policy to use and every thing they are increasing the coverage amount and i have received my no claim bonus also. I'm paying the premium amount of Rs. 9500 and i took the policy for my entire family. They have given me a coverage value of Rs. 6.50 lakhs and all the corporate hospitals in Hyderabad is covered in this policy.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jun 13, 2019
  • Star Health Health Insurance
    "Good for medical emergency"
    0.5 5.0/5 "Blown Away!"
    I have personal medical cover in Star Health, When I was searching for good policy through internet. I came to this company it has good name in the market, customer's feedback are really great about it and also the cost is cheaper. I think I made the premium of Rs. 16,000 its cover me, spouse and daughter with the medical cover Rs. 5 lakhs. There is no claim so far, my friend is working with star health, they take care of it. They are providing pre existing cover with no claim facility.
    Was this review helpful? 0
    , kolkata
    Reviewed on Jun 13, 2019
  • Star Health Health Insurance
    "Good claim ratio and good service"
    0.5 5.0/5 "Blown Away!"
    Earlier I worked for Star Health , hence I have taken the medical policy from them because the service is faster and the way of response is great. I would say the claim timing is also reliable. I paid the premium around Rs. 16700 for family medical plan, it covers upto Rs. 5 lakhs, they have pre existing cover after three years of duration with no claim features. In fact Star Health got tie up with many hospitals.
    Was this review helpful? 0
    , chennai
    Reviewed on Jun 13, 2019
  • HDFC Ergo Health Insurance
    "Good for health"
    0.5 5.0/5 "Blown Away!"
    The medical cover of HDFC ERGO is good, I got Rs. 3 lakhs medical cover however the premium is around Rs. 9000 its covers my entire family. They have critical illness like paralytic, the insurance company got tie up many hospitals. There is no claim benefits so far from Hdfc ergo.
    Was this review helpful? 0
    , kolkata
    Reviewed on Jun 12, 2019
  • Religare Health Insurance
    "Good claim settlement"
    0.5 4.0/5 "Great!"
    I used my Religare health policy when I was hospitalized for 20 days. From the insurer I got the cash less treatment, I would say the response and claim experience is faster. Religare got tie up many hospitals at my location, overall all service is good.
    Was this review helpful? 0
    , kolkata
    Reviewed on Jun 12, 2019
  • Religare Health Insurance
    "Good for medical emergency"
    0.5 4.0/5 "Great!"
    I have mediclaim policy with Religare health, its a individual plan. They have pre existing after two years but the critical illness benefits is good for any kind of diseases. I got Rs. 10 lakhs of cover for one year. They got tie up with many hospitals at delhi.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jun 12, 2019
  • Max Bupa Health Insurance
    "GOOD"
    0.5 4.0/5 "Great!"
    I had no claim experience with the health insurance of MAX BUPA but using from last 3 years. The premium paying was nominal than others. The medical coverage is for family of 5L for each person floating. There is a disease coverage is available.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jun 12, 2019
  • National Insurance Health Insurance
    "They settling the claim within the time"
    0.5 4.0/5 "Great!"
    Taken my health insurance policy from National and there is no reason for this. I took this policy for my entire family. They have given me a coverage amount of more than Rs. 5 lakhs. When i applied for the claim, within a week they have given the claim. They have provided me a cashless facility. Most of the hospitals are listed in this policy.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jun 12, 2019
  • Star Health Health Insurance
    "Good services"
    0.5 5.0/5 "Blown Away!"
    Purchased my health insurance policy from Star because of the faster access and more coverage hospitals, easy processing i have chosen them. My entire family has been covered in the policy. I have been paying the premium amount of Rs. 7000 for the coverage amount of Rs. 7 lakhs. Since i have not claimed anything, i have received my no claim bonus as well.
    Was this review helpful? 0
    , chennai
    Reviewed on Jun 12, 2019
  • National Insurance Health Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I have chosen a health Insurance with National Insurance because my friend is working with this company hence have trusted and decided to take the policy. I have no claims. The medical coverage is 10L and have paid premium around 15K for one year. The policy covers 3 members and they have more number of hospitals for cashless.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jun 11, 2019
  • HDFC Ergo Health Insurance
    "Good Insurer"
    0.5 4.5/5 "Excellent!"
    I have RS. 3 lakhs of medical cover with HDFC Ergo, there is no claim but it covers my entire family including spouse. I got the medical card, this plan was taken from my end, I paid the premium of Rs.11,500 for one year, there was no pre existing cover and no claim benefits hence it should improved but they got tied up with many hospitals.
    Was this review helpful? 0
    , ahmedabad
    Reviewed on Jun 11, 2019
  • Max Bupa Health Insurance
    "Extra ordinary"
    0.5 5.0/5 "Blown Away!"
    I have a medical policy with Max Bupa, they were very professional into health care insurance. They are premier company in health care insurance. I have paid current premium of 35K, the policy covers 4members. Out of 4years, once I claimed and its extraordinary.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jun 11, 2019
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