Aditya Birla Active Secure Personal Accident Plan - UIN ADIHLIP18076V011718
Accidental insurance safeguards you and your family from financial expenses incurred because of an accident. Active Secure is a personal accident insurance plan of Aditya Birla Health Insurance Company which ensures the well-being of the insured person after an accident. This plan helps the insured by providing financial backing to them in case of an unfortunate accident.
Here are three main reasons to buy Active Secure – Personal Accident Plan of Aditya Birla Health Insurance.
- Complete protection for you and your family in case of an accident
- Protection against income loss
- 5% cumulative bonus leading to increased protection every year
| Plan name | Aditya Birla Active Secure Personal Accident Plan |
| Policy type | Personal Accidental Plan |
| UIN | ADIHLIP18076V011718 |
Key Features
- 100% payout on Accidental Death
- 100% payout for Permanent Disabilities due to accidents
- Emergency ambulance cover
- Continuous income during Temporary Total Disability (TTD) due to accidents
- 5% cumulative bonus every claim free year
- Protection for your Loans and EMI’s
Benefits
If the insured dies because of an accident, the complete sum insured will be transferred to the nominee as ‘death benefit’.
If the insured is suffering from permanent total disablement due to an accident, he/she is entitled to receive 100% payout of the sum-insured. What constitutes Permanent Total Disability in this plan - Know more.
If the insured is suffering from permanent partial disablement post accident i.e loss of an eye, loss of a thumb. In such a situation he/she is entitled to receive 100% payout, depending on the nature of disablement. What constitutes Permanent Partial Disability in this plan - Know more.
When insured dies because of an accident then in such a case 1% of sum-insured, maximum up to Rs.50,000 is provided by the company as funeral or cremation expenses.
If the insured dies because of an accident then in such a situation 10% of sum-insured, upto a maximum Rs.10 lakhs, will be given by the company to the surviving child for educational purposes.
In this benefit, lump sum payment of Rs. 50,000 shall be given by the company for transporting the mortal remains from the place of accident to the insured’s residence or burial ground.
In this feature, travel expenses will be covered by the company for an immediate relative to visit the place where the insured is hospitalized. The maximum amount of reimbursement for domestic travel is up to Rs.10,000 and for International travel the limit is up to Rs.25,000.
This facility is used in case of urgent requirement where the situation is quite serious for the insured. Reimbursement up to Rs. 10,000 shall be provided by the company in this feature.
Minimum 5% and maximum of 50% of sum insured shall be added to the coverage amount in a claim free year. For detailed information about cumulative bonus you have to Click here.
Understanding becomes better with the help of this chart. For that let us know about the 5 plan options of Active Secure Personal Accident Plan
| Plan 1 |
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| Plan 2 |
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| Plan 3 |
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| Plan 4 |
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| Plan 5 |
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Sum-insured of 5 plans:
| Plan I | 1 lakh to 2 crores |
| Plan 2 | 1 lakh to 5 crores |
| Plan 3 | 1 lakh to 5 crores |
| Plan 4 | 1 lakh to 10 crores |
| Plan 5 | 1 lakh to 20 crores |
Benefits in these 5 plan options:
| Benefits | Plan 1 | Plan 2 | Plan 3 | Plan 4 | Plan 5 |
| Accidental death cover | 100% of S.I | 100% of S.I | 100% of S.I | 100% of S.I | 100% of S.I |
| Permanent total disability(PTD) | - | 100% of S.I |
100% of S.I |
100% of S.I |
100% of S.I |
| Permanent Partial disability(PPD) | - | - | 100% of S.I |
100% of S.I |
100% of S.I |
| Emergency road ambulance cover | - | - | - | Covered up to Rs. 10,000 | Covered up to Rs. 10,000 |
| Funeral expenses | - | - | - | Covered up to 1% of S.I max up to Rs. 50,000 |
Covered up to 1% of S.I max up to Rs. 50,000 |
| Repatriation of mortal remains | - | - | - | - | Lump Sum benefit of Rs. 50,000 |
| Modification benefit | - | - | - | - | Covered up to Rs. 1 lakh |
| Compassionate visit | - | - | - | - | Domestic: up to Rs. 10,000 International: up to Rs. 25,000 |
Optional Covers consists of some extra benefits which can be added to your policy with base coverage at enhanced premium.
Temporary total disablement: Weekly compensation shall be given for the loss of income in this benefit. Maximum amount up to Rs. 50,000 shall be given in this benefit for up to max 100 weeks.
Loan and EMI benefit: In this monthly installments will be covered as EMI benefit and financial assistance will be provided to cover the outstanding loan amount according to the policy terms.
Coma benefit: In case the person goes into coma after an accident, he/she gets benefit equal to Accident death cover and maximum of Rs.10 lakh.
Burn benefit: Lump Sum payment will be given according to the severity of burn on the insured person’s body.
Broken bones benefit: Lump Sum payment will be given according to the severity of fractured bones on the insured person’s body.
Wellness coach: A person who provides proper guidance on how to be fit and healthy. Instructions about proper nutritional diet and healthy lifestyle habits are given by this person.
Eligibility
| Age | Entry age: 5-65 years
Temporary total disablement cover cannot be renewed after 70 years of age. |
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| Relationship Covered |
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| Sum Insured |
Earning member - Non-earning spouse - If the spouse of the policyholder is non-earning He/She can avail a 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. Temporary Total Disability (TTD) benefit is not applicable Children – 100% of Proposer’s sum insured/eligibility or 15L whichever is lower. TTD benefit is not applicable |
Exclusions
These are the situations in which the Aditya Birla Personal Accident Plan will not function. You will not be able to claim anything in such scenarios.
- A person committing Suicide or attempted suicide, intentional self-injury.
- Someone who has Venereal disease, mental Illness or sickness, psychiatric condition.
- Insured person committing any breach of law with criminal intent.
- Any hospitalization not arising out of an injury.
- A person getting involved in War, act of foreign enemy, military or usurped acts.
