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Aditya Personal Accident Plan
212
VS
Star Comprehensive Individual Plan
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:
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.
| 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 DETAILS |
Aditya Personal Accident Plan |
Star Comprehensive Individual Plan |
| Premium Including GST | ||
| Product Type | Accident Health Insurance | Individual and Family Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
- | Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
- | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
- | Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
- | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
- | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
- | Covered |
| Hospital_network (Number of Hospital Network in city) |
12900 | 14000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
- | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
- | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
- | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
- | Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
- | Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
- | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
- | Applicable |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
- | Applicable |
| Plan Entry Age | Minimum: 5 Years, Maximum: 65 Years | 3 Months to 65 Years |
| Plan Premium Entry Age and S/A | 212 | 11476 |
| Plan Waiting Period | None | 30 |
| Plan Coverage | - | - |
| Plan Sample Premium | 212 | - |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1/2/3 Years | 1 / 2 / 3 year |
| ICU Charges | - | Covered |
| Covid-19 Treatment | - | Covered |
| Cataract | - | Covered |
| Automatic Restoration | - | Covered |
| Ayush Treatment | - | Covered |
| Modern Treatment | - | Covered |
| E Consultation | - | Not Covered |
| Air Ambulance | - | Covered |
| Global Coverage | - | Not Covered |
| Claim Ratio | 96 | 99.06 |
| Solvency Ratio | 1.88 | 2.21 |
|
Aditya Birla Health Insurance Star Comprehensive Health Insurance |
||
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