Aditya Birla Personal Accident Plan

Aditya Birla Activ Secure Personal Accident Plan is designed to protect you and your family in case of any unforeseen incident. Activ secure personal accident plan has comprehensive coverage term for:

100% cover for Permanent Disabilities due to accidents
100% cover on Accidental Death
Income Cover during temporary total disability (TTD) due to accidents
Loans and EMIs Cover
Ambulance cover

The plan can be customized in 3 simple steps wherein you have to select your base sum insured ranging between INR 1 Lac to 20 Crore, the second step involves customers selecting their base coverage from 5 different base plans with varying features and benefits. Lastly, opt for optional covers from a total of 11 optional covers available under the plan.

Activ Secure Personal Accident Plan At A Glance

Plan Type	Accidental Plan
Sum Insured	1 Lac - 20 Crore
Eligibility for Sum Insured	Earning member - Up to 12 times of annual gross income In case Loan Protect benefit is opted for - Total sum of Personal Accident Sum Insured + Loan Protect limit chosen, should not exceed 15 times of annual gross Income Non-earning spouse - 100% of Proposer’s sum insured/eligibility or 30L whichever is lower Non-earning Parent/ Parent in-laws – 100% of Proposer’s sum insured/eligibility or 15L whichever is lower (TTD benefit is not applicable) Children – 100% of Proposer’s sum insured/eligibility or 15L whichever is lower (TTD benefit is not applicable)
Network Hospitals	10051+
Optional Covers	11
No claim Bonus	5% every claim-free year, max 50% of SI applicable for Sum Insured up to 10 Crores only.

Aditya Birla Personal Accident Plan Specifications

To understand Aditya Birla Personal Accident Plan Insurance in detail, take a look at the below table:

Entry Age

Minimum: 5 Years, Maximum: 65 Years

Policy Type

Accident Health Insurance

Sum Insured

1 L | 10 L | 50 L | 1 Cr | 10 Cr | 20 Cr

Initial Waiting Period*

None Days

Renewability

Lifelong

Policy Term

1/2/3 Years

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Read more specifications in the brochure.

Aditya Birla Health Insurance Network Hospital List

Aditya Birla Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Aditya Birla Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Delhi

Mumbai

Bengaluru

Chennai

Kolkata

Hyderabad

Pune

Ahmedabad

Jaipur

Lucknow

Know More About Network Hospital

What is Covered Under Aditya Birla Activ Secure Personal Accident Plan

Refer to the table below to know the plan specifications:

Coverage Terms	Plan I	Plan II	Plan III	Plan IV	Plan V
Accidental Death	100% of SI
Permanent Total Disablement	Not Covered	100% of SI
Permanent Partial Disablement	Not Covered		100% of SI
Education Benefit	10% of SI max up to 10 Lac
Emergency Road Ambulance	Not Covered			Covered up to INR 10,000
Funeral Expenses	Not Covered			Covered up to 1% of Sum Insured up to max up to INR 50,000
Repatriation of Mortal Remains	Not Covered				Lump Sum Benefit of INR 50,000
Orphan Benefit	Not Covered				Lump Sum Benefit of 10% of Sum Insured max up to 15 Lac
Modification Benefit	Not Covered				Covered up to INR 1 Lac
Compassionate Visit	Not Covered				Domestic - Up to INR 10k International - Up to INR 25k
Cumulative Bonus	5% per year, up to 50% of SI				5% per year, up to 50% of SI applicable for SI up to 10 Crore

What is not covered?

Suicide or attempted suicide, intentional self-injury

Mental illness or Psychiatric condition

War, act of foreign enemy, military or usurped acts

Cases of hospitalization not arising out of an injury

Insured person committing any breach of law with criminal intent

Others, check the detailed terms and conditions, inclusions & exclusions of the policy in documents provided by the company

Benefits of Activ Secure Personal Accident Plan

Aditya Birla Activ Secure Personal Accident Plan has a wide range of customizations available through which insurance holders can create the plan that is best suited for them. There are various benefits associated with Aditya Birla Activ Secure Personal Accident Plan which are mentioned below.

11 Optional Covers Are Available
The plan provides not 1 or 2 but 11 different optional covers to the insured life namely, Temporary Total Disablement, Accidental In-Patient Hospitalization Cover, EMI Protect, Broken Bones Benefit, Loan Protect, Coma Benefit, Burn Benefit, Accidental Medical Expenses (OPD including Day Care), Adventure Sports Cover, Worldwide Emergency Assistance Services, and Wellness Coach.
Orphan Benefit For Dependent Children
In case of the unfortunate accidental demise of both parents, the plan has provided for a payout of up to 10% of the sum insured, up to Rs. 15 Lac for dependent children.
Coverage From Day 1
Aditya Birla Activ Secure Personal Accident Policy offers coverage to insured individuals from day 1 as there are no waiting periods for coverage against accidents and it is covered from day 1 of the insurance.
Avail Wellness Coach
Aditya Birla Activ Secure Personal Accident Policy provides individuals with the optional facility of a wellness coach who will guide you towards recovery and give you the motivation required to stay fit. Via a personal wellness coach individuals can have access to personalized workouts, diet and nutrition plans from experienced coaches
Cumulative Bonus Availability
Individuals can avail 5% no-claim bonus for every claim-free year up to a maximum of 50% of Sum Insured.

Eligibility Criteria For Aditya Birla Activ Secure Personal Accident Plan

Mentioned below is the eligibility criteria required to purchase the cancer insurance plan offered by Aditya Birla

Entry Age

Minimum: 5 Years
Maximum: 65 Years

Relationships Covered

Self, spouse, up to 4 children, up to 2 parents, and 2 parents-in-laws

Initial Waiting Period*

None

Policy Tenure

1/2/3 Years

In A Nutshell

Aditya Birla Activ Secure Personal Accident Plan is a highly versatile plan that allows its customers to customize it as per their suitable needs. The plan offers a high sum insured of up to 20 Crores and has 0 initial waiting period for efficient and instant coverage for customers. The plan is highly effective for those who want to protect themselves and their loved ones in the face of adversity. The orphan benefit inbuilt in the plan also allows you to provide shelter to your dependent children in case both parents die during a mishap.

Explore other Aditya Birla Health Insurance

To cater to the different medical needs of an individual & their family, Aditya Birla Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to Aditya Birla Health Insurance plans explore more:

Critical Illness Health Insurance

Aditya Birla Cancer Health Plan

Aditya Birla Cancer Secure health plan is a health insurance plan designed specifically for cancer patients protecting them financially from all three...

Unique Features

Upto 1 Cr SI
Minimum Survival Period
All Cancer Stages Covered

Aditya Birla Cancer Health Plan (Pros)

Covers 3 stages
150% of SI
10% of no claim bonus
High SI
Lump sum payout

Aditya Birla Cancer Health Plan (Cons)

Illness due to intoxicants
Obesity treatment unavailable
Hazardous activity not covered
HIV/AIDS not covered
Cosmetic surgery unavailable

Aditya Birla Cancer Health Plan (Other Benefits)

Wellness coach
Second e-opinion
Short survival period
Upto 1 Cr SI
Hospitalization Expense

Aditya Birla Cancer Health Plan (Eligibility Criteria)

Entry Age- 18 Years
Max Entry Age- 65 Years
SI- 5L to 1 Cr
Waiting Period- 90 days

Accident Health Insurance

Aditya Birla Personal Accident Plan

Aditya Birla Activ Secure Personal Accident Plan is designed to protect you and your family in case of any unforeseen incident. Activ secure personal ...

Unique Features

Up to 20 Cr SI
11 Optional Covers
Avail Wellness Benefit

Aditya Birla Personal Accident Plan (Pros)

Total and partial disability cover
Accidental death cover
No claim bonus
Ambulance cover
Education benefit

Aditya Birla Personal Accident Plan (Cons)

Illness due to intoxicants
Obesity treatment unavailable
Hazardous activity not covered
Cosmetic surgery unavailable

Aditya Birla Personal Accident Plan (Other Benefits)

Income cover
Loan protect cover
Orphan benefits
Compassionate visit
Coma benefit

Aditya Birla Personal Accident Plan (Eligibility Criteria)

Entry age- 5 years
Max entry age- 65 years
SI- 30L
Waiting period- 30 days

Individual and Family Health Insurance

Aditya Birla Activ Health Platinum Enhance

Aditya Birla Platinum Enhanced Plan offers unique healthcare benefits to insured individuals such as health insurance protection with wellness benefit...

Unique Features

Critical Illness Cover
Health Coach
SI Up to 2 Crores

Aditya Birla Activ Health Platinum Enhance (Pros)

Earn 100% health returns
Cover for dental consultations
Modern treatment cover
Wellness coach
Mental illness cover

Aditya Birla Activ Health Platinum Enhance (Cons)

Illness due to intoxicants
Change of gender treatment
Hazardous activity not covered
HIV/AIDS not covered
Cosmetic surgery unavailable

Aditya Birla Activ Health Platinum Enhance (Other Benefits)

Chronic management program
Premium waiver benefit
Reload of SI
Road ambulance cover
Second e-opinion

Aditya Birla Activ Health Platinum Enhance (Eligibility Criteria)

Entry age- 90 days
Max entry age- 45
SI- 1L to 1 Cr
Waiting period- 30 days

Individual and Family Health Insurance

Aditya Birla Activ Fit Health Plan

Aditya Birla Activ Fit Plan is designed to provide quality medical coverage to young individuals. The plan not only provides medical coverage but als...

Unique Features

Health Rewards
Avail Multiple Discounts
Optional Covers Available

Aditya Birla Activ Fit Health Plan (Pros)

Provides health reward for keeping yourself healthy
gives optional benefits
Get maternity expense benefits

Aditya Birla Activ Fit Health Plan (Cons)

Does not cover air ambulance
No coverage for global treatment

Aditya Birla Activ Fit Health Plan (Other Benefits)

Health Rewards
Avail Multiple Discounts
Optional Covers Available

Aditya Birla Activ Fit Health Plan (Eligibility Criteria)

Entry Age - 18
Maximum Entry Age - 65
SI -4-25 Lakh
Waiting Period - 30 days

Critical Illness Health Insurance

Aditya Birla Activ Secure Critical Illness Plan

Aditya Birla Activ Secure Critical Illness Plan is designed to cover your financial losses due to any treatment for critical illness. The plan has wid...

Unique Features

64 Critical Illnesses Covered
Replace Loss of Income
Short Survival Period

Aditya Birla Activ Secure Critical Illness Plan (Pros)

64 Critical Illnesses Covered Replace
Loss of Income
Short Survival Period

Aditya Birla Activ Secure Critical Illness Plan (Cons)

Does not cover maternity
Does not cover any congenital illness
Does not cover any evaluation purposes

Aditya Birla Activ Secure Critical Illness Plan (Other Benefits)

The sum insured of this plan is of up to 1 Crore
  It comes in three different variants - Plans 1/ 2/ & 3 with specific coverage options.

Aditya Birla Activ Secure Critical Illness Plan (Eligibility Criteria)

Min- 5 years
Max- 65 years

Senior Citizen Health Insurance

Aditya Birla Activ Care Classic Plan

Growing old comes with several complications related to our health, at times. It's so natural that nobody could deny accepting the complications and s...

Unique Features

360 degrees support to seniors
Cashless home treatment
586 category of daycare procedures

Aditya Birla Activ Care Classic Plan (Pros)

360 degrees support to seniors
Cashless home treatment
586 category of daycare procedures

Aditya Birla Activ Care Classic Plan (Cons)

Does not cover modern treatments
Vaccinations not covered
Compassionate travel not covered

Aditya Birla Activ Care Classic Plan (Other Benefits)

Tax benefits
Advanced health check-up
Optional room upgrade facility

Aditya Birla Activ Care Classic Plan (Eligibility Criteria)

Min- 55 years
Max- 80

Individual and Family Health Insurance

Aditya Birla Activ One

Aditya Birla Activ One Plan comprises features such as: Health returns Health assessment Daycare treatments No capping on hospitalization expenses Me...

Unique Features

Health Rewards
Avail Multiple Discounts
Optional Covers Available

Aditya Birla Activ One (Pros)

Chronic illness covered
double coverage

Aditya Birla Activ One (Cons)

Daily hospital cash not covered
OPD charges not covered
Maternity not covered

Aditya Birla Activ One (Other Benefits)

Initial waiting period 30 years

Aditya Birla Activ One (Eligibility Criteria)

Individual and Family Health Insurance

Aditya Birla Activ Fit Plus Plan

Raho Fit to Get Benefits! Ye hai #FitnesskaUltimateInfluencer You can earn with the Aditya Birla Activ Fit Plus plan and become wealthy! YES, you hear...

Unique Features

Stay fit & get rewarded
Travel protection cover
Unlimited SI refill

Aditya Birla Activ Fit Plus Plan (Pros)

Pre-hospitalization cover
Post-hospitalization cover
Modern treatment cover
Organ donor cover

Aditya Birla Activ Fit Plus Plan (Cons)

Obesity/ weight control
Change of gender treatments
Hazardous or adventure sports
External providers
Beauty/cosmetic treatment

Aditya Birla Activ Fit Plus Plan (Other Benefits)

10-50-100 benefits
Activ Health App
Binge SI refill
Premium back option
Super no-claim bonus

Aditya Birla Activ Fit Plus Plan (Eligibility Criteria)

Entry Age - 91 days
Max Entry Age - 45 years
SI - 5 L - 1 Cr
Waiting Period - 30 Days

Individual and Family Health Insurance

Activ Health Platinum

Activ Health Platinum, a health product by Aditya Birla Health Insurance Company is a health insurance plan designed to look after the healthcare need...

Unique Features

Explore the Eligibility Criteria
Key Features of the Plan
Inclusions & Exclusions

Activ Health Platinum (Pros)

Post hospitalisation physiotherapy
Health coach benefit
One premium waiver
Health assessment
Chronic management program

Activ Health Platinum (Cons)

Illness due to intoxicants
change of gender treatment
Hazardous activity not covered
HIV/AIDS not covered
Cosmetic surgery unavailable

Activ Health Platinum (Other Benefits)

Road ambulance cover
No claim bonus
Critical illness cover
Domiciliary hospitalisation
Super reload of SI

Activ Health Platinum (Eligibility Criteria)

Entry age- 91 days
Max entry age- 65 years
SI- 10L to 2 Cr

Individual and Family Health Insurance

Activ Health Platinum Essential

Aditya Birla Activ Health Platinum Essential Plan is your best friend if you are looking for a health insurance cover that protects you against chroni...

Unique Features

Chronic Management Care
Wellness Benefits
COVID-19 Cover

Activ Health Platinum Essential (Pros)

Health returns cover
Chronic management program
Mental illness cover
Home care treatment
Obesity treatment

Activ Health Platinum Essential (Cons)

Illness due to intoxicants
Change of gender treatment
Hazardous activities not covered
HIV/AIDS not covered
Cosmetic surgery unavailable

Activ Health Platinum Essential (Other Benefits)

AYUSH treatment cover
Road ambulance cover
Health check-up program
International cover
Critical Illness cover

Activ Health Platinum Essential (Eligibility Criteria)

Entry age- 91 days
Max entry age- No age limit

Aditya Birla Activ Secure Personal Accident Policy: FAQ

1. What is the amount of personal accident cover?

As per the IRDAI, the cover amount for personal accident health insurance should be Rs 25 Lakh.

2. What is not covered in personal accident health insurance?

Death by suicide, or self-inflicted injuries are not covered in the personal accident health insurance.

3. How long is the personal accident cover valid for?

Aditya Birla Activ Secure Personal Accident policy is valid for 1 year, however you can renew the policy before it gets expired.

4. Is there any waiting period for personal accident health insurance?

No, there is no waiting period in accident health insurance.

Aditya Birla Personal Accident Plan

Activ Secure Personal Accident Plan At A Glance

Aditya Birla Personal Accident Plan Specifications

Entry Age

Policy Type

Sum Insured

Initial Waiting Period*

Renewability

Policy Term

Recommended Videos

Aditya Birla Health Insurance Network Hospital List

Delhi

Mumbai

Bengaluru

Chennai

Kolkata

Hyderabad

Pune

Ahmedabad

Jaipur

Lucknow

What is Covered Under Aditya Birla Activ Secure Personal Accident Plan

What is not covered?

Benefits of Activ Secure Personal Accident Plan

Eligibility Criteria For Aditya Birla Activ Secure Personal Accident Plan

Entry Age

Relationships Covered

Initial Waiting Period*

Policy Tenure

In A Nutshell

Explore other Aditya Birla Health Insurance

Aditya Birla Cancer Health Plan (Pros)

Aditya Birla Cancer Health Plan (Cons)

Aditya Birla Cancer Health Plan (Other Benefits)

Aditya Birla Cancer Health Plan (Eligibility Criteria)

Aditya Birla Personal Accident Plan (Pros)

Aditya Birla Personal Accident Plan (Cons)

Aditya Birla Personal Accident Plan (Other Benefits)

Aditya Birla Personal Accident Plan (Eligibility Criteria)

Aditya Birla Activ Health Platinum Enhance (Pros)

Aditya Birla Activ Health Platinum Enhance (Cons)

Aditya Birla Activ Health Platinum Enhance (Other Benefits)

Aditya Birla Activ Health Platinum Enhance (Eligibility Criteria)

Aditya Birla Activ Fit Health Plan (Pros)

Aditya Birla Activ Fit Health Plan (Cons)

Aditya Birla Activ Fit Health Plan (Other Benefits)

Aditya Birla Activ Fit Health Plan (Eligibility Criteria)

Aditya Birla Activ Secure Critical Illness Plan (Pros)

Aditya Birla Activ Secure Critical Illness Plan (Cons)

Aditya Birla Activ Secure Critical Illness Plan (Other Benefits)

Aditya Birla Activ Secure Critical Illness Plan (Eligibility Criteria)

Aditya Birla Activ Care Classic Plan (Pros)

Aditya Birla Activ Care Classic Plan (Cons)

Aditya Birla Activ Care Classic Plan (Other Benefits)

Aditya Birla Activ Care Classic Plan (Eligibility Criteria)

Aditya Birla Activ One (Pros)

Aditya Birla Activ One (Cons)

Aditya Birla Activ One (Other Benefits)

Aditya Birla Activ One (Eligibility Criteria)

Aditya Birla Activ Fit Plus Plan (Pros)

Aditya Birla Activ Fit Plus Plan (Cons)

Aditya Birla Activ Fit Plus Plan (Other Benefits)

Aditya Birla Activ Fit Plus Plan (Eligibility Criteria)

Activ Health Platinum (Pros)

Activ Health Platinum (Cons)

Activ Health Platinum (Other Benefits)

Activ Health Platinum (Eligibility Criteria)

Activ Health Platinum Essential (Pros)

Activ Health Platinum Essential (Cons)

Activ Health Platinum Essential (Other Benefits)

Activ Health Platinum Essential (Eligibility Criteria)

Aditya Birla Activ Secure Personal Accident Policy: FAQ

1. What is the amount of personal accident cover?

2. What is not covered in personal accident health insurance?

3. How long is the personal accident cover valid for?

4. Is there any waiting period for personal accident health insurance?

Explore Aditya Birla Health Insurance

Other Health Insurance Companies

Health Insurance Articles

Top Maternity Insurance Plans Nov, 2024

No Gimmicks, No Spam.
Genuine Advice from an Insurance Expert.