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Aditya Birla Activ Secure-Personal Accident Plan

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.

 4.5 / 5.0   by 6408 users
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Activ Secure-Personal Accident Plan Reviews

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  • 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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