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  • Aditya Birla Activ Secure-Personal Accident Plan

     4.0 / 5.0   by 5134 users
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    Cashless Treatment

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    Claim Experience

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    Accidents don’t come with a warning but when it strikes us, it leaves us emotionally and financially distressed. In a time where accidents are becoming more frequent and medical expenses are inflating, opting for a personal accident cover is a prudent decision. Sometimes an accident can even lead to permanent or temporary disability which consequently, may lead to loss of income. This could leave the entire household financially handicapped. To curb such unpleasant situations, Aditya Birla Health Insurance (ABHI) has come out with an innovative health insurance product called as the Activ Secure-Personal Accident plan. The plan provides financial protection for you and your family in case of accidental death or disablement.

    What makes this health insurance product unique is the focus it gives to the well-being of the consumer. The philosophy of Aditya Birla Health Insurance revolves around ‘health first’ and apart from providing financial assistance, it rewards its consumers in the form of cashback incentives that can be earned on achieving a healthy state. The cashback amount is useful to pay for any treatments that otherwise may not be covered under the health policy and also to make payments for renewing the policy. Up to 30% of the insured sum can be earned as cashback which gets credited to the health account of the policyholder. Any person enrolled for health insurance plans by Aditya Birla Health Insurance, including the policyholders of the Activ Secure-Personal Accident plan are entitled to earn cashback rewards.

    The Activ Secure-Personal Accident plan also comes with the option of a wellness coach. We understand that after an accident an individual needs guidance to reclaim his/her health. A wellness coach will provide individuals with motivation and tips on how to get back to being physically fit. They will also help maintain an active lifestyle post recovery.

    Features and Benefits of Activ Secure-Personal Accident Plan:

    Accidental death cover - If the policyholder dies as a result of an accident, the nominee will receive 100% of the sum insured.

    Permanent total disablement - Due to an accident, if the insured person suffers from an injury and results in his/her complete permanent disablement, he/she is eligible to receive 100% of the sum insured. Surgical procedures or infections arising out of an accident will, however, not be covered under the policy.

    Permanent partial disablement - Depending on the nature of the disability, the insured person will receive up to 100% of sum insured.

    Education Benefits - If the policyholder dies in an accident and if he/she is survived by dependent children, a lump sum amount will be paid towards the education of the dependents. The benefits will be available till the children attain 25 years of age. To be eligible for the benefits, the dependent children should not have an independent source of income and should pursue education as a full-time student in an institution.

    Emergency road ambulance cover - If the policyholder is seriously injured in an accident and needs to be hospitalised immediately, the charges for the ambulance to transport the injured to the nearest hospital, will be reimbursed. Transportation expenses from the hospital to the insured’s residence is not covered under the policy. The ambulance charges can be reimbursed up to an amount of Rs.10,000.

    Funeral expenses - In case of death of the policyholder due to the accident, the funeral, cremation, or burial expenses will be borne by the insurance provider. The maximum amount that can be claimed for this purpose is Rs.50,000.

    Repatriation of remains - The transportation charges for mortal remains from the place of death to the policyholder's residence will also be reimbursed. The amount will be paid in lump sum.

    Orphan benefit - If both the parents die in an accident, the surviving orphan is entitled to receive 10% of the insured sum and the amount can go up to Rs.15 lakh. The amount will be paid no matter how many the number of dependent children are. The benefit can be claimed by dependents who are aged below 25 years and for dependents aged below 18 years, the amount will be paid to the legal guardian of the dependent child is.

    Modification benefit - If a person is rendered physically disabled due to an accident and his/her house or vehicle needs to be modified accordingly, the charges will be reimbursed under the policy. The modification must be certified ‘necessary’ by a medical practitioner.

    Compassionate visit - Travel expenses for visit of a relative to the place where the policyholder is hospitalised will be reimbursed. The relative can be the insured person’s spouse, children, siblings, parents, in-laws or any legal guardian. The maximum amount for domestic travel is Rs.10,000 while for international travel it is Rs.25,000.

    Cumulative bonus - If the insured person has not made any claim in a policy year, he/she is eligible for a 5% cumulative bonus on the insured sum. The maximum amount that can be earned as a cumulative bonus can go up to 50% of the insured sum. This benefit is however, not available in policies exceeding Rs.10 crores.

    Optional covers - Under the Activ Secure-Personal Accident plan, below optional covers are available:

    • Accidental in-patient hospitalisation cover - Room rent, ICU charges, operation theatre expenses, doctor’s fees, surgical equipment costs, etc will be covered in case the policyholder meets with an accident and needs to undergo hospital treatment. Day care treatments are also provided cover under this policy. Cashless facility is however, only available at network hospitals.
    • Broken bones benefit - If the policyholder breaks his bones in an accident, he can opt for this benefit. The sum of the benefit will depend on the nature of bone injury, for example, a spinal cord damage is eligible for 100% of the broken bone cover limit payable.
    • Coma benefit - A lump sum amount will be paid if the policyholder suffers from coma due to the accident.
    • Burn benefit - Depending on the degree of burns owing to an accident, the policyholder will be reimbursed accordingly.
    • Worldwide emergency assistance services - The insurance provider will offer emergency assistance services if the policyholder is injured while traveling beyond 150 km from his/her residence.
    • Adventure sports cover - While engaging in an adventure sport, if the policyholder meets with an accident, a lump sum amount will be paid towards his treatment.

    Some other optional covers offered under the Activ Secure-Personal Accident plan are - Loan protect, EMI protect, critical illness cover, temporary total disablement, and wellness coach. The Activ Secure-Personal Accident plan can be your ideal companion in times of an accident offering you financial support while also helping you reclaim your health and sustaining it.

    Activ Secure-Personal Accident Plan Reviews

  • Page 1 of 50 1 2 3 4 5
    • HDFC Ergo Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a health insurance policy with HDFC ERGO from last 2 years, i am happy with the coverage value of this insurance policy. I have no claim experience so far with this insurance policy. A premium of Rs 6000 has to be paid for this insurance and the coverage value is Rs 3-4 lacs.
      Was this review helpful? 0
      , vadodara
      Reviewed on Sep 17, 2018
    • Star Health Health Insurance
      "Average Service"
      0.5 3.0/5 "Satisfactory"
      I was using the health insurance policy with the Star Health. I am paying a premium of 35K per year. On one occasion I claimed the policy and they were able to reimburse only 75% of the amount claimed which wasn't satisfactory.
      Was this review helpful? 3
      , hyderabad
      Reviewed on Sep 15, 2018
    • Reliance General Health Insurance
      "Average Service"
      0.5 3.0/5 "Satisfactory"
      I've a health insurance policy with the Reliance General Insurance. I am paying a premium of 27000 per year. It is for the entire family. There hasn't been any claim experience so far. I will have to wait and see how they respond to my requests in future if I will have any.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Sep 15, 2018
    • New India Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      My health insurance is with New India Assurance from last 1 year, i am not aware of the premium amount as my company pays it. I have no claim experience so far with this insurance policy and the coverage value is Rs 2 lacs for individual.
      Was this review helpful? 1
      , bangalore
      Reviewed on Sep 14, 2018
    • Apollo Munich Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a health insurance policy with Apollo Munich from last 7-8 years, i have no claim experience so far with this insurance policy. I pay a premium of Rs 12000 for this insurance policy and the coverage value is Rs 5 lacs for this policy.
      Was this review helpful? 0
      , pune
      Reviewed on Sep 12, 2018
    • Cigna TTK Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a health insurance policy with CIGNA TTK from last 2 years, i am happy with the coverage value of this insurance policy. I pay a premium of Rs 12000 for this insurance policy. I have no claim experience so far with this insurance and the coverage value of Rs 4.5 lacs.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 12, 2018
    • Max Bupa Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a health insurance policy with MAX BUPA from last 6 years, i am happy with the coverage value of this insurance policy. I have no claim experience so far with this insurance and i get no claim bonus every year. The coverage value for this insurance is Rs 15-20 lacs.
      Was this review helpful? 0
      , faridabad
      Reviewed on Sep 12, 2018
    • ICICI Lombard Health Insurance
      "Good Policy"
      0.5 3.0/5 "Satisfactory"
      I have recently taken a health insurance policy with ICICI LOMBARD. I have to pay a premium of Rs 15000 on yearly basis. This policy i got it along with the personal loan taken from Fullerton. They gave a coverage of Rs 3 lacs for this insurance policy.
      Was this review helpful? 1
      , rajahmundry
      Reviewed on Sep 12, 2018
    • Star Health Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      My health is insured with STAR health from last 1year and it is a good policy to use. It is a family policy where the coverage value is Rs 3 lacs per individual. I do not have claim experience with this insurance and i pay a premium of Rs 15000 for this insurance.
      Was this review helpful? 1
      , coimbatore
      Reviewed on Sep 12, 2018
    • Religare Health Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have a health insurance policy with Religare from last 1.5 years, a premium of Rs 14000 has to be paid for this insurance policy and it is a family coverage. My claim experience was very good and they covered 100%. Coverage value is Rs 5 lacs +5 lacs (auto refill) for this insurance.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Sep 12, 2018
    • Reliance General Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insured with Reliance general insurance from last 3 months, i pay a premium of Rs 10000 for 2 individuals and each one has the coverage value of Rs 5 lacs. It is a good policy to use and i have not claimed anything so far from this insurance.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 12, 2018
    • National Insurance Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I hold an Individual health insurance policy with National insurance from last 4 years, i have not claimed anything so far from this insurance policy. I pay a premium of Rs 3000 for this insurance policy and the coverage value is Rs 1.5 lacs for this insurance.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 12, 2018
    • HDFC Ergo Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insured with HDFC ERGO from last 1.5 months, i am happy with the coverage value of this insurance policy. A premium of Rs 6000 has to be paid for this insurance policy. I have no claim experience with this insurance the coverage value is Rs 5 lacs.
      Was this review helpful? 0
      , palanpur
      Reviewed on Sep 12, 2018
    • ICICI Lombard Health Insurance
      "Normal Service"
      0.5 4.0/5 "Great!"
      I've a health insurance policy with the ICICI Lombard. I am paying low premium, there hasn't been any claim experience with the policy so far. Considering the premium I pay it has been a normal experience with the policy so far.
      Was this review helpful? 1
      , udaipur
      Reviewed on Sep 11, 2018
    • ICICI Lombard Health Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've a health insurance policy with the ICICI Lombard, I am paying the premium and I do not have any claim experience with the policy so far. I'll have to wait and see how they respond to my claim requests in future. It has been a hassle free experience so far.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 11, 2018
    • Star Health Health Insurance
      "Start Health Insurance Fraud"
      0.5 0.5/5 "Unacceptable"
      My father purchased Star health insurance for family safety and was paying premium from last 2 years but when time came insurer refused to give claim stating that throughout the hospitalization and all investigation reports are within normal limits. My brother was admitted in family hospital delhi for 24 hours, doctors diagnosed him and billed approx 13500.
      Was this review helpful? 3
      , new delhi
      Reviewed on Sep 08, 2018
    • Chola Ms Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insured with Cholamandalam health insurance from last 2 years, i am happy with the coverage value of this insurance policy. I am not aware of the premium amount as my company pays it. It is a family coverage and they cover up to Rs 5 lacs for this insurance.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 08, 2018
    • Apollo Munich Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a health insurance policy with Apollo Munich from last 3 months, i am happy with the coverage value of this insurance. I am not aware of the premium amount as my company pays it. The coverage value is Rs 10 lacs for accidental policy and Rs 10 lacs for death policy.
      Was this review helpful? 0
      , pune
      Reviewed on Sep 08, 2018
    • National Insurance Health Insurance
      "Very Good Service"
      0.5 4.0/5 "Great!"
      I had taken this insurance policy almost ten years back and the premium had been paying online. The premium amount has not been higher and it was nominal. Their customer support and their staff responses also had been good as well. They also covers most of the hospitals in our locality.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Sep 07, 2018
    • ICICI Lombard Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have an Individual health insurance policy with ICICI Lombard from last 4 years, i pay a premium of Rs 6500 for this insurance policy. I have not claimed anything so far from this insurance policy. The coverage value for this policy is 7 lacs.
      Was this review helpful? 1
      , faridabad
      Reviewed on Sep 06, 2018
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