Activ Secure – Personal Accident
Life is so much better when you know that you are protected against income loss. Activ Secure - Personal Accident is a plan specially designed to give you and your family the protection and financial backing required in case of an unfortunate accident.
Features
100%
payout
for Permanent Disabilities due to accidents
Up to
100%
payout
on Accidental Death
Continuous
income
during temporary total disability (TTD) due to accidents*
 
Emergency
ambulance cover
Protection
for your
Loans and EMI’s*
5%
cumulative
bonus for every claim free year

Plan Details

  Plan 4
  Sum insured (Rs.) 5 – 10 lakhs
(in multiples of 1 lakh)
15 – 25 lakhs
(in multiples of 5 lakhs)
30 – 50 lakhs
(in multiples of 10 lakhs)
1 cr, 1.5 cr, 2 cr, 5 cr, 10 cr
I.   Basic Covers
a Accidental Death Cover (AD) 100% of sum insured
b Permanent Total Disablement (PTD) 100% of sum insured
c Permanent Partial Disablement (PPD) 100% of sum insured
d Education Fund 10% of sum insured max up to Rs.10 Lakhs
e Emergency Road Ambulance Cover Covered up to Rs.10,000
f Funeral Expenses Covered up to 1% of sum insured max up to Rs.50,000
g Cumulative Bonus 5% per claim free year, max 50% of Sum Insured
II.   Optional Covers
h Temporary Total Disablement (TTD) • Weekly benefit options (in Rs.): 1000, 2000, 3000, 4000, 5000, 7500, 10000, 12500, 15000, 20000, 25000, 30000, 40000, 50000
• Maximum TTD limit can be 2 times the income.
i Accidental In-patient Hospitalization Cover Covered up to 1% of Accidental Death Sum Insured or Rs.1 Lakh whichever is higher
j EMI Protect 3 EMIs totaling upto the following options (in Rs.): 50000, 75000, 100000, 200000, 300000, 400000, 500000
k Broken Bones Benefit Benefit limit up to Rs.1 Lakh/Rs.3 Lakhs/Rs.5 Lakhs (lump sum as per table)
l Loan Protect Available with Personal Accident sum insured up to Rs.10 Crores only
Options in Rs.: • 1 lakh – 10 lakhs (in multiples of 1 lakh)
• 15 lakhs – 25 lakhs (in multiples of 5 lakhs),
• 30 lakhs – 50 lakhs (in multiples of 10 lakhs)
• 1 cr, 1.5 cr, 2 cr, 5 cr
Option may be chosen maximum up to Accidental Death Sum Insured amount
m Coma Benefit • Benefit limit equal to Accidental Death Cover
• Sum Insured maximum up to Rs.10 Lakhs
n Burn Benefit Benefit limit up to Rs.1Lakh/Rs.2 Lakhs/Rs.3 Lakhs (lump sum as per table)
o Accidental Medical Expenses
(OPD including Day Care)		 Coverage up to the lowest of following:
1) Actual Expenses
2) 10% of Accidental Death Sum Insured
3) 40% of admissible claim under Permanent Total Disablement
4) 40% of admissible claim under Permanent Partial Disablement
5) 40% of admissible claim under Temporary Total Disablement
6) Rs.50,000
p Adventure Sports Cover Benefit up to Accidental Death Cover Sum Insured, maximum up to Rs.10 Lakhs Cover
p Worldwide Emergency Assistance Services Available (including Air Ambulance)


Eligibility and Exclusions


Age Minimum entry age - 5 years. Maximum entry age - 65 years
Coverage under Temporary Total Disablement (TTD) benefit cannot be renewed post 70 years
 
Tenure 1, 2, 3 years
 
Relationships covered Self, spouse, up to 4 children, up to 2 parents and 2 parents-in-law
 
Maximum 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)

Any claim directly or indirectly arising out of:

  • Suicide or attempted suicide, intentional self-injury
  • Venereal disease, mental Illness or sickness, psychiatric condition
  • War, act of foreign enemy, military or usurped acts
  • Any hospitalization not arising out of an injury
  • Insured person committing any breach of law with criminal intent
*Please refer to the policy document for complete list of exclusions

FAQ's


A personal accident policy provides a lumpsum amount in case of an accident or disability. The compensation shields you from the financial burden that you or your family may incur due to such an eventuality, because accidents don’t come scheduled, they happen anytime and anywhere.

An accident means a sudden, unforeseen and involuntary event caused by external, visible and violent means.

Yes, this policy offers worldwide coverage.

The policy covers accidental death and disability - total and partial, caused due to an accident. It also covers the cost of road ambulance, funeral expenses, repatriation of remains, modification of vehicle/home, and compassionate visit in case of an accident. It also offers education and orphan benefit in and a cumulative bonus in case of no claims in the policy.

Yes, the following optional covers are available on payment of additional premium and basis the terms and conditions of each cover.

  • 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 (including Air Ambulance)
  • EMI Protect
  • Loan Protect
  • Wellness coach

You can purchase the policy for yourself and include your spouseup to four children, and yours and your spouse’s parents.

The minimum entry age is 5 years and the maximum entry age is 65 years.

You can avail a 10% discount on premium on covering 2 or more family members in a single policy.

Nature of occupation and income are the main factors which determine the sum insured. For more details, please consult your sales advisor.

Yes, your non-earning children and parents are eligible for the below Sum Insured value:

i. Non-earning Spouse / Parent/Parent in laws – 100% of Proposer’sBasic cover sum insured/eligibility or 30L whichever is lower.

ii. Children/Student – 100% of Proposer’sBasic cover sum insured/eligibility or 15L whichever is lower.

We offer you an option of buying the policy for 1 year, 2 years and 3 years’ term. You can renew your policy at the end of policy term.

A long term discount of 7.5% and 10% on premium is applicable on selecting a 2 and 3 years’policy term respectively. This will apply only in case of Single Premium Policies.

We offer you a lifetime renewability for this health plan, subject to payment of premium and fulfilment of other policy conditions.

Yes, you can request for enhancement of Sum insured at the time of renewal. However, the enhancement is subject to underwriting decision.

Yes, in such case guardian of the nominee has to be provided.

You can choose to buy this Policy by paying a single premium, or you can choose premium payment on instalment basis. Monthly/quarterly/semi-annual instalment options are available for Policies with Policy Period of 1 year.

You need to submit the claims documents to us within 30 days of occurrence of the event with the following documents:

  • Completed Claim form
  • Photo ID and Age proof
  • Attested copy of medico legal certificate copy / first information report copy / Panchnama
  • Copies of consultation letters detailing the treatment taken immediately after Accident
  • Radiological investigation reports like X ray, CT scan, MRI etc
  • Additional documents as required for Specific Benefits

Disclaimer

Activ Secure comprises of Personal Accident Plan, Critical Illness Plan, Cancer Secure Plan and Hospital Cash Plan. Aditya Birla Health Insurance Co. Limited. IRDAI Reg.153. CIN No. U66000MH2015PLC263677. Product Name: Activ Secure, Product UIN: ADIHLIP18076V011718. Address:- 10th Floor, R-Tech Park, Nirlon Compound, Next to HUB Mall, Off Western Express Highway, Goregaon East, Mumbai – 400 063. Website: adityabirlahealthinsurance.com, Email: care.healthinsurance@adityabirlacapital.com, Telephone: 1800 270 7000, Fax: +91 22 6225 7700. For more details on risk factors, terms and conditions please read terms and conditions carefully before concluding a sale. Trademark/Logo Aditya Birla Capital is owned by Aditya Birla Management Corporation Private Limited and is used by Aditya Birla Health Insurance Co. Limited under licensed user agreement(s).
#Tax benefits are subject to changes in tax laws. Please consult your tax advisor for more details.
*Please refer to the policy wordings or consult our advisor for details.

HDFC Bank Limited (IRDAI Registration No: CA0010) is the Corporate Agent of Aditya Birla Health Insurance Co. Limited and does not underwrite the risk or act as an insurer. HDFC Bank Limited, HDFC Bank House, Senapati Bapat Marg, Lower Parel (West), Mumbai - 400 013. Participation by the Bank’s clients in the insurance products is purely on a voluntary basis.

Section 41 of the Insurance Act, . (1) No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take or renew or continue an insurance in respect of any kind of risk relating to lives or property in India, any rebate of the whole or part of the commission payable or any rebate of the premium shown on the policy, nor shall any person taking out or renewing or continuing a policy accept any rebate, except such rebate as may be allowed in accordance with the published prospectuses or tables of the insurer: Provided that acceptance by an insurance agent of commission in connection with a policy of life insurance taken out by himself on his own life shall not be deemed to be acceptance of a rebate of premium within the meaning of this sub section if at the time of such acceptance the insurance agent satisfies the prescribed conditions establishing that he is a bona fide insurance agent employed by the insurer.
(2) Any person making default in complying with the provisions of this section shall be liable for a penalty which may extend to ten lakh rupees.

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