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  • Aditya Birla Activ Secure-Personal Accident Plan

     4.0 / 5.0   by 5217 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

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    • HDFC Ergo Health Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
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      , new delhi
      Reviewed on Nov 16, 2018
    • Religare Health Insurance
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have a health insurance policy from the Religare Insurance company. I am paying a premium for a per year. I do not have any claim experience with this policy. Overall it has been a smooth experience with the policy so far. I'll have to wait and see how they respond to my request in future.
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      , new delhi
      Reviewed on Nov 16, 2018
    • HDFC Ergo Health Insurance
      "GOOD SERVICE"
      0.5 5.0/5 "Blown Away!"
      I am using the health insurance policy with the HDFC ERGO GENERAL INSURANCE from past two years where i have no claim experience with this policy also added on that the premium i pay seven thousand rupees per year. The medical coverage is for six lakhs for complete family.
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      , hyderabad
      Reviewed on Nov 16, 2018
    • HDFC Ergo Health Insurance
      "GOOD SERVICE"
      0.5 5.0/5 "Blown Away!"
      I am using the health insurance policy with the HDFC ERGO GENERAL INSURANCE from past two years where i have no claim experience with this policy also added on that the premium i pay seven thousand rupees per year. The medical coverage is for six lakhs for complete family.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 16, 2018
    • Religare Health Insurance
      "Necessary policy for all family"
      0.5 4.0/5 "Great!"
      I have no claim experience with Religare health insurance policy. I have purchased the policy 1 month before. They have offered me a coverage value of 5 lakhs. I have taken the policy for my family. I have no idea about the list of hospital. They are providing the cashless facility. I pay the premium of Rs. 11700.
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      , faridabad
      Reviewed on Nov 16, 2018
    • review Health Insurance
      "Health insurance"
      0.5 4.0/5 "Great!"
      I have been holding the health insurance with Bharti AXA. My total family has been covered in this policy. They have given a coverage of 3 lakhs. The preety much hospitals has been covered in my location. My company has provided this policy around 6 months before. Since its a corporate policy, they have provided only to the employees.
      Was this review helpful? 1
      , mumbai
      Reviewed on Nov 16, 2018
    • Apollo Munich Health Insurance
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have a health insurance policy with Apollo Munich, this policy cover accident claim and there customer support team have explain me about this policy and the premium i pay 25,000-30,000 per year it nominal, i pay through on line, till now there service was good.
      Was this review helpful? 0
      , noida
      Reviewed on Nov 16, 2018
    • Star Health Health Insurance
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have a health insurance policy with Star health insurance, the premium i use to pay is up to 13,000 a per year its nominal for me, from past 1 year i have been using this insurance there customer service explain me about policy and i use to pay through on line like they use to send me the link i use to pay it.
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 16, 2018
    • HDFC Ergo Health Insurance
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I have been using my health insurance policy with the HDFC ERGO GENERAL INSURANCE and the premium i am paying six hundred and thirty five rupees per month also it gives the coverage up to one crore rupees. It is a corporate policy, i am using from past 10 years but i had no claim experience.
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      , bhubaneshwar
      Reviewed on Nov 16, 2018
    • Cigna TTK Health Insurance
      "Average"
      0.5 4.0/5 "Great!"
      I have chosen Health insurance with Cigna TTK. They provided me a cashless facility and reimbursement for my doctor bills. I have taken the policy for my entire family. I pay yearly 10K as a premium through ECS. The claim experience is excellent and the reimbursement was immediate. The policy coverage for me is 5L and rest of family members is 3L. They have more network of hospitals but they pay more attention on the medical bills.
      Was this review helpful? 0
      , thane
      Reviewed on Nov 15, 2018
    • Apollo Munich Health Insurance
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I had a health insurance for my family with Apollo Munich. My experience is good. Due to some reason, I was unable to pay the premium. The policy has been lapsed. I have paid 12K for a year. The payment mode is net banking. The policy coverage was 5L. It was covering almost all diseases, If I use even 5L at one time again they will provide 5L which was very good.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 15, 2018
    • HDFC Ergo Health Insurance
      "Average service"
      0.5 3.0/5 "Satisfactory"
      I have been using HDFC ERGO health insurance for while , I never had any claim experience with the policy. I will have to wait and see how they respond to their claim requests in future, overall service was good it cover accidental policy and they charge nominal premium amount.
      Was this review helpful? 0
      , anantapur
      Reviewed on Nov 15, 2018
    • Star Health Health Insurance
      "Good service"
      0.5 4.0/5 "Great!"
      I have been using my health insurance with Star health insurance,there premium they charge is nominal only i use to pay my premium amount on monthly bases and it use to get auto debited with my bank account and they have explain me all policy which is cover in this policy clearly, till now i did not face any issue with this insurance.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 15, 2018
    • Star Health Health Insurance
      "Good service"
      0.5 4.0/5 "Great!"
      I have been holding my salary account from STANDARD CHARTERED bank there service is very good they provide me they don't charge me unnecessarily and they use to update me time to time about this offers. There use to serve me 24/7 whenever i call they assist me very well.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 15, 2018
    • Reliance General Health Insurance
      "Good Policy"
      0.5 5.0/5 "Blown Away!"
      I have a company provided health insurance with Reliance, i am not aware of the premium amount as my company pays it. There was no claim experience so far with this insurance policy. This policy has a coverage value of Rs 4 lacs.
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 15, 2018
    • ICICI Lombard Health Insurance
      "Good service"
      0.5 4.0/5 "Great!"
      I have been holding my health insurance with ICICI lombard from past 1 year, the premium i pay on yearly bases up to 9000 rupees it was nominal for me and i use to pay through on line and there customer service was good they explained me all policy clearly.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Nov 15, 2018
    • review Health Insurance
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have taken my health insurance with IFFCO TOKIYO , i dont pay premium the company directly pay on my behalf so i dont know how much i need to pay insurance and this insurance include accidental policy and it has got tie up with various hospitals.
      Was this review helpful? 0
      , dariba
      Reviewed on Nov 14, 2018
    • ICICI Lombard Health Insurance
      "Good card"
      0.5 4.0/5 "Great!"
      I have taken my health insurance with ICICI LOMBARD , i pay premium on monthly bases and till now i have not utilized this insurance ye so i have no idea how it will work and i use to my premium through on line and so far service was good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 14, 2018
    • Religare Health Insurance
      "Good Coverage"
      0.5 4.0/5 "Great!"
      I have taken health insurance through online portal, the medical value is fine. They gave me Rs. 5 lakhs for health coverage. The service is good the documentation process was very smooth and I got my card on time. Religare health is providing cash less hospital because they have good networks.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 14, 2018
    • HDFC Ergo Health Insurance
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have taken my health insurance with HDFC ERGO , i have not opt there policy yet and i use to pay premium on monthly bases up to 400 rupees and it use to get auto debit from my account and while i applied for health insurance customer service had explained me about all procedure , so far the process went smoothly and it good.
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      , mumbai
      Reviewed on Nov 14, 2018
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