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  • Aditya Birla Activ Secure-Personal Accident Plan

     4.0 / 5.0   by 4999 users
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    Cashless Treatment

    Customer Service

    Medical Coverage

    Claim Experience

    Responsiveness

    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
    • National Insurance Health Insurance
      "Good Service so far"
      0.5 4.0/5 "Great!"
      I've a health insurance policy with the National Insurance. It offers an annual Coverage of 3 lacs, the policy covers me and my parents and I do not have any claim experience with the policy so far. I never had any issues with their services.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Jul 14, 2018
    • ICICI Lombard Health Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      I've a health insurance policy with the ICICI Lombard. It took almost one month to receive the policy document soft copy. I am paying a premium of 650 per month. They're yet to send me the hard copy. Overall it hasn't been a good experience with the policy so far.
      Was this review helpful? 0
      , delhi
      Reviewed on Jul 14, 2018
    • Reliance General Health Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've been using the Health Insurance policy from the Reliance General Insurance. The company is paying the premium. The policy covers me and my parents. The policy offers an annual coverage of 5 lacs for me and 2 lacs for my parents. So fat I do not have any claim experience with the policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 14, 2018
    • HDFC Ergo Health Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've an employer provided health insurance policy with the HDFC Ergo. It offers an annual coverage 5 lacs, the company is paying the premium. I do have any claim experience with the policy. I have claimed this policy two times for me and wife both they approved. The claim processing was really easy and they settled almost 30000.
      Was this review helpful? 0
      , pune
      Reviewed on Jul 14, 2018
    • Apollo Munich Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insured with Apollo Munich from more than 10 years and it is an individual policy. I am happy with the coverage value of this insurance policy. I have not claimed anything so far from this insurance policy and the policy is covered up to Rs 3-4 lakhs.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 13, 2018
    • Star Health Health Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have a health insurance policy with Star health from last 7 years and it is one of the good insurance policy. I pay a premium of Rs 10000 for this insurance and it is a family heath policy. My claim experience was good and i have claimed 2 times. The coverage value was 90% and it was a cashless treatment.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Jul 12, 2018
    • United India Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insured with United India Insurance from last 15 years, i am happy with the coverage value of this insurance policy. I have no claim experience so far with this insurance policy. This is a family policy so the coverage value is Rs 3 lakhs.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Jul 12, 2018
    • review Health Insurance
      "Good to take the Health insurance policy"
      0.5 4.0/5 "Great!"
      I have a claiming experience. There is plenty of hospitals covered in Hydrabad area. The claiming experience is good and it was done within 15 days. I claimed the maximum amount of Rs. 25000 till now and i can claim upto 5 lakhs for me and my family. Cashless treatment facility is also treatment. The company will take care of premium amount and all.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 11, 2018
    • Bajaj Allianz Health Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've a health insurance policy with the Bajaj Allianz. Their service is very good. I have raised almost three claims and the processed those claims with out any delays. Everything was smooth and hassle free. I am really impressed with their services.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 11, 2018
    • ICICI Lombard Health Insurance
      "Good Service"
      0.5 3.5/5 "Pretty good"
      I've a health insurance policy from the ICICI Lombard which is provided by the Company. The company is paying the premium. It covers almost all treatments, I do not have any claim experience with the policy. I'll have to wait and see how they respond to my claim in case if I'll have any.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 11, 2018
    • HDFC Ergo Health Insurance
      "Best policy"
      0.5 4.5/5 "Excellent!"
      I have my health insured with HDFC ERGO from last 3.5 years, i am happy with the coverage value of this insurance policy. I have not claimed anything so far from this insurance policy. I paid a premium of Rs 10000 for 2 years and the coverage value is Rs 10 lakhs for this insurance.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 11, 2018
    • Bajaj Allianz Health Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      I've been using the Health insurance policy from Bajaj Allianz for a while now. The Experience is good, don't have any claim experience. I pay a premium of 8000 Per year. I never had any claim experience with the policy so far. When considering the features it is a good policy to have.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 10, 2018
    • Star Health Health Insurance
      "Average Policy"
      0.5 3.0/5 "Satisfactory"
      I have my health insured with Star health from last 2 years, i am not aware of the premium amount as my company pays it. It is a family health policy and the coverage value is Rs 4-5 lakhs. My claim experience was not up to the mark as they covered only 80% and it was a cashless treatment.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 10, 2018
    • National Insurance Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insured with National insurance from last 7 months, i am happy with the coverage value of this insurance policy. I have not claimed anything so far from this insurance policy. This is a family health policy and the coverage value is Rs 2 lakhs for this policy.
      Was this review helpful? 0
      , guwahati
      Reviewed on Jul 09, 2018
    • Bajaj Allianz Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insured with Bajaj Allianz from last 3 years and it is a good policy to use. I paid an one time payment for Rs 6000 for this insurance policy. I have not claimed anything so far from this insurance policy and i have a coverage value of Rs 1 lakh for this insurance.
      Was this review helpful? 0
      , ratlam
      Reviewed on Jul 06, 2018
    • Star Health Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I hold a health insurance with Star health from last 7 years, i am not aware of the premium amount as my company pays it. It is a family health policy where the coverage value is Rs 3 lakhs. I have not claimed anything so far from this insurance policy.
      Was this review helpful? 0
      , kochi
      Reviewed on Jul 05, 2018
    • HDFC Ergo Health Insurance
      "Very Good health insurance policy"
      0.5 5.0/5 "Blown Away!"
      I have not used the claim for the policy. The benefits is excellent with HDFC Ergo. I can claim the policy upto 3 lakhs if its exhausted i can avail more than 6 lakhs. I used to pay the premium of Rs. 3500 per years. The cashless treatment is available and its a ax benefitable policy. I have already recommended many of my friends
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 05, 2018
    • ICICI Lombard Health Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      I've been using the ICICI Lombard health insurance policy for a while. This policy is for me and my mother. I never had any claim experience with the policy. Overall I never faced any issues with their services. I'll have to wait and see how they respond to my claims in future.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 04, 2018
    • New India Health Insurance
      "Good health insurance policy"
      0.5 5.0/5 "Blown Away!"
      I never called the customer care service of New India insurance people. I have a claim experience twice. It is easy to claim by using the New India. I can claim upto 1 lakhs since the coverage amount for the same. I have taken this insurance for my family also. I can avail a cashless treatment. They covered everywhere means most of the hospitals in the city. I used to pay the premium of Rs. 22000 per year.
      Was this review helpful? 0
      , chennai
      Reviewed on Jul 02, 2018
    • Apollo Munich Health Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've a health insurance policy from the Appollo Munich. I pay a premium of 1500 per year for a coverage of 3 lacs. This policy is only for me. On one occasion they given me 50% amount for a medical test. Overall it has been a good experience with their services.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 02, 2018
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