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Aditya Birla Activ Secure Personal Accident Health Insurance Plan

If an accident results in the insured’s death or disability, the Aditya Birla Activ Secure – Personal Accident health insurance plan offers financial security to the family. It makes sure that, even in the absence of the breadwinner, the family’s livelihood and well-being are not disrupted. There is no waiting period with this policy, and it can be extended to ensure global coverage.

The policy provides a 100% payout in the event of accidental death or permanent disability. In an emergency, it provides for you and your family and secures your future so you can relax.

Read on to know more about the Aditya Birla Activ Secure Personal Accident Health Insurance Plan’s eligibility criteria, features and benefits, exclusions, premium illustration, buying process, claim procedure, and more in detail!

Eligibility Criteria

Here are the eligibility criteria for the Aditya Birla Activ Secure Personal Accident Health Insurance Plan.

ParametersDetails
Age

Minimum ent­ry age – 5 years

Maximum entry­ age – 65 years Coverage under Temporary­ Total Disablement (TTD) benefit cannot be renewed post-70 years

Tenure1, 2, 3 Years
Relationships coveredSelf, spouse, up to 4 children, up to 2 parents, and 2 parents-in-laws

Eligibility for Sum

Insured

• Earning member

– Up to 12 times of annual gross income

– In case the Loan Protect benefit is opted for – Total sum of Personal Accident Sum

The 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)

Key Features and Benefits of Aditya Birla Activ Secure – Personal Accident

Here are the features and benefits of choosing the Aditya Birla Activ Secure Personal Accident Plan. 

  1. Accident Death & Disability Cover

The death or disability of the insured resulting from an unfortunate accident is covered by this personal accident insurance policy, which is typically not covered by most health plans.

  1. No Waiting Period

This policy, unlike most health insurance plans, has no waiting period because accidental injuries are covered starting on the first day.

  1. Cumulative Bonus

The Aditya Birla Activ Secure Personal Accident Insurance Company will offer a cumulative bonus of 5% up to a maximum of 50% for each year without a claim. With no additional premium cost, this bonus will raise the insured amount.

  1. Cashless Hospitalization Facility

More than 10,000 hospitals in the insurance company’s nationwide network offer cashless hospitalization services.

  1. Tax Benefits

According to Section 80D of the IT Act, the policyholder may claim tax advantages for the amount paid as a premium for the Aditya Birla Activ Secure – Personal Accident plan.

  1. Modification Benefit

If the insured person experiences permanent total disability or permanent partial disability as a result of an accident, it will pay the costs of modifying their home and vehicle up to a maximum of Rs. 1 lakh.

  1. Compassionate Visit

It covers the price of a direct relative of the insured’s return air tickets to the location of the accident that caused their death or their permanent total disability.

  1. Broken Bones Benefit

It pays for the medical costs associated with treating broken bones brought on by unfortunate accidents.

  1. Loan Protect

If the insured person is killed in an accident or becomes disabled permanently, it pays the remaining loan balance. However, this coverage is limited to an insured amount of up to Rs 10 crore.

  1. Funeral Expenses

If the insured person dies as a result of an accident, it pays a lump sum for the funeral expenses of the person.

  1. Adventure Sports

It offers a lump sum payment of up to Rs. 10 lakhs if an adventure sports accident results in the insured person’s demise or total permanent disability.

  1. Worldwide Emergency Assistance Services

If the insured person has an accident while travelling abroad, it offers services for emergency medical evacuation and medical repatriation.

  1. Wellness Coach

It provides insured people with a wellness coach who supports them in maintaining a healthy lifestyle, including weight management, nutrition, activity & fitness, and quitting smoking.

Exclusions Under the Aditya Birla Activ Secure – Personal Accident Plan

It is not covered by the Aditya Birla Activ Secure – Personal Accident plan to pay for the following medical costs:

  1. Pre-existing diseases
  2. Suicide or intentional self-injury
  3. Bacterial infections (except those resulting from accidental injury)
  4. Accidents occurring under the influence of alcohol or intoxicants
  5. Mental illness
  6. Pregnancy
  7. Preventive health check-ups
  8. Sexually transmitted diseases
  9. Congenital anomaly
  10. Hernia
  11. Venereal diseases
  12. Insect bite

Premium Illustration Of Aditya Birla Activ Secure – Personal Accident Plan

Let’s take an example to understand!

Mr. Rajesh Mathur looking to buy a plan that can protect him from accident injuries in the future. Since road accidents are mushrooming, he decides to protect his family from financial burdens as he is the only breadwinner in the family. After getting abundant suggestions and conducting thorough research, he stumbled upon Aditya Birla Activ Secure – Personal Accident Plan. Currently, he lives in the New Delhi area with his family. Here is the premium illustration according to his age and premium amount.

No. of AdultsAgeSum InsuredTenurePremium Amount
130 YearsRs.15, 00, 0001 YearRs. 1, 100 P.A. (Including GST)
135 YearsRs. 5, 00, 0001 YearRs. 367 P.A (Including GST)
140 YearsRs.10, 00, 0001 YearRs. 733 (Including GST)

How to Buy the Aditya Birla Activ Secure Personal Accident Health Insurance?

An accident insurance plan, such as Aditya Birla Activ Secure Personal Accident Health Insurance, will offer your family financial security and protection in the form of accidental compensation. In the event of a death, the insurance companies pay out completely. The family members can use the money to pay off any debts they may have and carry on with their regular lives. If you are looking to buy Aditya Birla Activ Secure Personal Accident Health Insurance, you will need to follow the steps mentioned below:

Step 1: To get started, access the official Aditya Birla Capital website using your laptop or smartphone.

Step 2: Next, you must locate “Protecting” in the centre. “Health Insurance” is visible in the list. After that, click it.

Step 3: After that, locate the “Products Section” at the top, find the Personal Accident Plans, and then you will see Activ Secure Personal Accident Health Insurance on the right. Click on it to learn more about the plan in detail.

Step 4: Then, the plan page will open. The moment you see the plan page, you will see “Get a Quote” in the banner. Click on it.

Step 5: Once you click on it, you will see a new page asking you to enter your mobile number, email Id, and age. After that, click on “Get Quote”. Before you enter the details, ensure they are correct and true to your knowledge.

Step 6: After you click on it, you will see the page asking you to select your sum insured and policy tenure. Once you have checked all the details, click on “Save & Continue”.

Step 7: In the seventh step, you need to select your ID type, first name, middle name, last name, date of birth, address, city, marital status, select your nationality, and more. Also, you need to select your Nominee Details like their name, relation, and contact number. Once you are done entering the details, then click on “Save and Continue”.

Step 8: After verifying all the information, you must purchase the policy online using Net Banking, a credit card, or a debit card.

File a Claim for Aditya Birla Activ Secure Personal Accident Insurance Plan

The insurance claim is when any insurance policy, but especially a health insurance policy, faces its biggest test. By purchasing the Aditya Birla Activ Secure Personal Accident Insurance plan, you can make sure that you won’t have to worry about paying for medical care in the event of an emergency or when you are seeking treatment.

  1. Inform Your Insurance Company

Call Aditya Birla to let them know about the collision and provide specific details about the vehicle’s damages. Make sure you don’t withhold any information from your insurer because doing so could make it more difficult to resolve claims.

  1. File an FIR with the Police

As soon as possible, report the collision to the police and, if necessary, submit a First Information Report (FIR). In the event of theft, auto accidents, or fire, an FIR is necessary. If there are only minor dings and scratches, you might not need to file an FIR. And if a third party is involved in the accident, you will need it.

  1. Take Pictures

Take as many photos as you need of the accident site and the damage. To enable the insurance provider to assess the extent of physical damages and appropriately settle the claim, make sure the photographs are clear and the damages are discernible.

  1. Provide the Insurer with the Necessary Documents

The insurance company needs specific paperwork to process the claim, including a copy of the insurance policy, the FIR, the owner-driver’s license, a copy of the vehicle registration certificate, etc. For a hassle-free experience, make sure you submit these documents and cooperate with your insurer.

  1. Get Your Car Repaired

You can take your vehicle to a shop to get it fixed. Or, you could request that your insurance provider pay to fix the vehicle. If your claim is accepted by the insurer, you will either be paid back or made whole for your loss.

Documents Required for Claim Process:

It is crucial to be aware of the paperwork that must be provided to the insurance provider to receive Activ Secure personal accident insurance claims on time. For various types of claims, various sets of documentation are required. Let’s examine a few of the documents, though this may differ depending on the provider.

  • Duly filled in the claim form
  • Death certificate
  • Disability certificate from a doctor
  • Post-mortem report
  • Doctor’s report
  • FIR copy
  • Medical certificate
  • Medicine bills
  • Discharge summary, if hospitalized
  • Investigation report

Renew Aditya Birla Activ Secure Personal Accident Health Insurance

You will have the choice to change the coverage itself, add more coverage, or alter the plan’s sum insured when renewing. However, if you don’t renew the policy right away, it will expire. Any claims for accidental emergencies during this time will be rejected if the policy’s coverage has ended because you won’t be eligible for any benefits.

If you don’t know how to renew it, here are the steps to renew your Aditya Birla Activ Secure Personal Accident Policy.

  1. You should start by going to Aditya Birla Insurance’s official website.
  1. Next, you must locate “Protecting” in the center. “Health Insurance” is visible in the list. After that, click it.
  1. A new page will then open, on which you must locate “My Account” at the top. Click “Renew Policy” in the list after hovering over it.
  1. After that, a page will appear requesting your policy number and birthdate. As an alternative, you can continue with the renewal process by entering your mobile number.
  1. The specifics of your policy will then appear after that. Verify the information is accurate once more before making the payment with a credit card, debit card, or net banking.
  1. After you finish these steps, your Aditya Birla Activ Secure Personal Accident Policy will be renewed.

Frequently Asked Questions

The Aditya Birla Activ Secure – Personal Accident plan’s annual premium can be paid in full or in monthly, quarterly, or semi-annual installments.

Yes. Under your Aditya Birla personal accident insurance plan, you are permitted to designate your minor child as a nominee. But in this situation, you must also name a guardian for your minor child.

The maximum amount insured under the Aditya Birla Activ Secure – Personal Accident plan is 12 times the insured person’s annual gross income. The maximum insured amount for a non-earning spouse is Rs. 30 lakhs. The maximum insurance amount is also Rs 15 lakh for children, non-earning parents, and parents-in-law.

Accidental hospitalization is covered by all Aditya Birla Mediclaim policies, including the Aditya Birla Activ Secure Personal Accident policy. However, the Aditya Birla Activ Secure – Personal Accident plan does offer coverage for accidental death and disability.

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