Aditya Birla Activ Secure

Life is uncertain, and any contingency such as a critical illness or accident can adversely disrupt your happiness and wipe out your hard-earned savings. Aditya Birla Activ Secure offers four different plans to help you overcome such situations.

The four plans offered under Aditya Birla Activ Secure are:

• Personal Accident
• Critical Illness
• Hospital Cash
• Cancer Secure

Continue reading to explore how these plans can help you:

1. Activ Secure - Personal Accident

   This plan protects you and your family from financial implications arising from unfortunate accidents.

   Eligibility Criteria:

   Entry Age	5 years - 65 years
   Sum Insured	Up to 12 times more than the gross income of an earning member.

   Key Features Of Activ Secure - Personal Accident

   • Coverage for modification of residence and vehicle.
   • Education and orphan benefits for dependent children.
   • Optional covers such as Temporary Total Disablement, Accidental In-patient Hospitalization, and Worldwide Emergency Assistance Services.

   What Is Covered Under Aditya Birla Activ Secure - Personal Accident Plan?

   Emergency Road Ambulance Cover	Covered
   Funeral Expenses	Covered up to 1% of Sum Insured, maximum up to Rs. 50,000
   Repatriation of Remains	Covered up to Rs. 50,000
   Orphan Benefit	Available 10% of Sum Insured, maximum up to 15 Lakhs
   Modification Benefit	Available up to Rs. 1 Lakh
   Compassionate Visit	Domestic Travel: up to Rs. 10,000 International Travel: up to Rs. 25,000
   Optional Covers Available	Temporary Total Disablement (TTD) Accidental In-patient Hospitalization Cover Broken Bones Benefit Coma Benefit Burn Benefit Accidental Medical Expenses Adventure Sports Cover Worldwide Emergency Assistance Services EMI Protect Loan Protect Wellness Coach

   What Is Not Covered Under Aditya Birla Activ Secure - Personal Accident Plan?

   Exclusions include:

   • Suicide or attempted suicide, intentional self-injury
   • Venereal disease, mental illness, psychiatric condition
   • War, acts of a foreign enemy, military or usurped acts
   • Hospitalization not arising from an injury
   • Breach of law with criminal intent

2. Activ Secure - Critical Illness

   Critical illnesses can cause financial instability. The Activ Secure - Critical Illness plan provides financial backup for treatment expenses.

   The plan comes in three variants:

   Plan 1: Covers 20 Critical Illnesses such as cancer, heart attack, kidney failure.

   Plan 2: Covers 50 Critical Illnesses including brain surgery, benign brain tumor, TB, in addition to the 20 illnesses covered under Plan 1.

   Plan 3: Covers 64 Critical Illnesses and procedures like angioplasty, pacemaker insertion, and hysterectomy, in addition to the 50 illnesses covered under Plan 2.

   Eligibility Criteria

   Entry Age	5 years for Plan 1 & Plan 2 18 years for Plan 3
   Sum Insured	Up to 12 times more than the gross income of an earning member.

   Key Features Of Activ Secure - Critical Illness Plan

   • Payout of up to 150% of the sum insured for multiple Critical Illnesses under the comprehensive plan.
   • Option for a wellness coach for personalized recovery.
   • Second e-opinion available.

   Sample Illustration of Aditya Birla Activ Secure - Critical Illness

   Assume Mr. Vinay, a 30-year-old with a family history of critical illnesses, buys the Activ Secure - Critical Illness Plan. The premium amount varies based on the sum insured options.

   What Is Not Covered Under Aditya Birla Activ Secure - Critical Illness

   • Sexually transmitted diseases or HIV/AIDS
   • Influence of intoxicating liquor or drugs
   • Congenital external diseases, defects, or anomalies
   • Death due to suicide or self-inflicted injury
   • Breach of law by the insured

3. Activ Secure - Hospital Cash

   Activ Secure - Hospital Cash covers miscellaneous expenses during hospitalization, such as travel and attendant costs.

   Key Features Of Activ Secure - Hospital Cash Plan:

   • Daily allowance of Rs. 500 - Rs. 10,000
   • Double benefit for ICU admission, providing twice the daily cash benefit.
   • Benefit for parents if a child under 12 is hospitalized for more than 72 hours.

4. Activ Secure - Cancer Secure

   Activ Secure - Cancer Secure provides financial backup for cancer treatment at early, major, or advanced stages.

   Eligibility Criteria:

   Age	18 years - No age limit
   Sum Insured	Earning member - Up to 12 times annual gross income Non-earning spouse - 50% of Proposer's sum insured/eligibility or 30L, whichever is lower Non-earning Parent/Parents-in-law - 50% of Proposer's sum insured/eligibility or 10L, whichever is lower Children - 50% of Proposer's sum insured/eligibility or 15L, whichever is lower

   Key Features Of Activ Secure - Cancer Secure

   The plan offers payouts according to different stages of cancer:

   Early Stage	50% of the sum insured
   Major Stage	100% of sum insured
   Advanced Stage	150% of sum insured

   • Cumulative bonus of 10% of the sum insured, up to a maximum of 100% sum insured.
   • Option for a wellness coach to monitor health and aid recovery.

   Sample Premium Illustration Of Activ Secure - Cancer Secure

   Assume Mr. Ajay, a 30-year-old with a family history of cancer, buys the Activ Secure - Cancer Secure Plan. The premium amount varies based on the sum insured options.

How To Buy Aditya Birla Activ Secure?

Buying Aditya Birla Activ Secure online is straightforward. Follow these steps:

You can also purchase it from PolicyX. Here's how:

• Fill in the 'Calculate Premium' form.
• Choose the Aditya Birla health plan and click 'Buy Now'.
• Pay the premium, and your policy document will be emailed to you.

How is an Aditya Birla Health Insurance Claim Processed?

Cashless Claim

• Check the list of network hospitals on Aditya Birla’s website. At the hospital, show your cashless card and valid ID proof.
• The hospital will send the cashless hospitalization request form to Aditya Birla. (Submit the form 3 days in advance for planned hospitalization, or within 48 hours for emergencies).
• Aditya Birla will review the form and inform you of the decision via SMS and email.
• Payment will be made to the network hospital.

Reimbursement Claim

If admitted to a non-network hospital, pay the hospital directly after treatment.

• Submit the following documents to Aditya Birla within 15 days of discharge:
  1. Claim form (Part A & B)
  2. Health card
  3. KYC documents
  4. Original discharge summary
  5. Hospital bills
  6. Invoice with payment receipt
  7. All consultation papers
  8. Others
• Aditya Birla will review the documents and reimburse the amount through NEFT if approved.

Note: Inform the company within 48 hours for emergency hospitalization and 3 days before admission for planned hospitalization.

How To Renew an Aditya Birla Health Insurance Policy?

• Visit the official website of Aditya Birla Health Insurance. Click on the 'Renew' option.
• Select 'Quick Renew' from the drop-down menu.
• Enter your policy number, proposer’s date of birth, or mobile number.
• Click 'Abhi Karo'.
• Pay the premium online, and your renewal details will be emailed to you.