Aditya Birla Activ Secure Personal Accident Policy: Check Benefits, Eligibility and Coverage Online
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Aditya Birla Personal Accident Plan

Your very own accident care plan provides complete protection for you ...Read More

Up to 1 Cr
Sum insured
1
No. of plans
4800+
Pan India presence
96%
Claim settlement ratio
📄 Download brochure
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,701 reviews
🏥 12,900+ hospitals
📊 1.88 solvency ratio
✅ 96% claim settlement

About Aditya Birla Personal Accident Plan

A quick read on what this Aditya Birla Health Insurance plan covers and why it might be a fit for you.

Aditya Birla Activ Secure Personal Accident Plan is designed to protect you and your family in case of any unforeseen incident. The plan offers comprehensive coverage 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: select your base sum insured ranging from INR 1 Lac to 20 Crore, choose your base coverage from 5 different base plans, and opt for optional covers from a total of 11 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.

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
Minimum: 5 Years, Maximum: 65 Years
Plan type
Accident Health Insurance
Sum insured options
₹1 L, ₹10 L, ₹50 L, ₹1 L, ₹10 L, ₹20 L
Waiting period
None
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.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

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

Cons

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

Video reviews

Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.

Aditya Birla Personal Accident Plan Full Details Explained

Aditya Birla Personal Accident Plan Full Details Explained

Aditya Birla Health Insurance Plan Detailed Review

Aditya Birla Health Insurance Plan Detailed Review

Aditya Birla Health Insurance

Aditya Birla Health Insurance

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 Hospitals →

Inclusions & exclusions

What the plan pays for, and what it doesn't.

Inclusions

  • Refer to the table below to know the plan specifications:

Exclusions

  • 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

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

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

Other features & benefits

Benefits of Activ Secure Personal Accident Plan

Aditya Birla Activ Secure Personal Accident Plan offers a wide range of customizations to suit individual needs. Key benefits include:

  • 11 Optional Covers Available - The plan offers 11 different optional covers including Temporary Total Disablement, Accidental In-Patient Hospitalization Cover, EMI Protect, Broken Bones Benefit, Loan Protect, Coma Benefit, Burn Benefit, Accidental Medical Expenses, Adventure Sports Cover, Worldwide Emergency Assistance Services, and Wellness Coach.
  • Orphan Benefit For Dependent Children - In case of the accidental demise of both parents, the plan provides a payout of up to 10% of the sum insured, up to Rs. 15 Lac for dependent children.
  • Coverage From Day 1 - The policy offers coverage from day 1 with no waiting periods for accidents.
  • Avail Wellness Coach - The policy provides an optional wellness coach for personalized workouts, diet, and nutrition plans.
  • Cumulative Bonus Availability - A 5% no-claim bonus is available for every claim-free year, up to a maximum of 50% of the Sum Insured.

Eligibility Criteria For Aditya Birla Activ Secure Personal Accident Plan

Eligibility criteria for purchasing the plan:

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

The Aditya Birla Activ Secure Personal Accident Plan is versatile, allowing customization to meet individual needs. It offers a high sum insured of up to 20 Crores with no initial waiting period, providing efficient and instant coverage. The plan is ideal for protecting oneself and loved ones in adversity. The orphan benefit ensures support for dependent children if both parents pass away in an accident.

Aditya Birla Activ Secure Personal Accident Policy: FAQ

The 4 most-asked questions about Aditya Birla Personal Accident Plan, answered.

As per the IRDAI, the cover amount for personal accident health insurance should be Rs 25 Lakh.
Death by suicide, or self-inflicted injuries are not covered in the personal accident health insurance.
Aditya Birla Activ Secure Personal Accident policy is valid for 1 year, however you can renew the policy before it gets expired.
No, there is no waiting period in accident health insurance.

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Naval Goel — Founder & CEO, PolicyX.com Reviewed by Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 14 Jul 2023 · Originally published: 16 Oct 2024

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