Aditya Birla Capital Activ Secure Plan

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Brief Overview

A part of Aditya Birla Group, Aditya Birla Health Insurance, offers an array of health insurance products that not only provide financial protection but also give you the confidence to face the challenges life throws at you, confidently. When you invest your hard-earned money in a health insurance plan, you know that in your time of need the plan would take care of the financial aspect of the emergency.  

 

Aditya Birla Activ Secure is such a plan that offers you all-round protection from every kind of medical situation that you face in life. It helps you form a security blanket around yourself and your family. With 4 different variants, the plan covers accidents, critical illnesses, cancer at all its stages and also offers daily hospital allowance. 

With a sum insured that ranges from INR 1 lakh to INR 1 crore, Aditya Birla Activ Secure is a great option when it comes to securing yourself and your loved ones from specific medical issues.

 

Benefits of Aditya Birla Activ Secure Plan 

  1. Wide Coverage
    Aditya Birla Activ Secure is a health insurance plan that comes in 4 different variants. Each of these variants protects you and your family from the various unpredictabilities of life. The variants are:
    1. Aditya Birla Activ Secure - Personal Accident
    2. Aditya Birla Activ Secure - Critical Illness
    3. Aditya Birla Activ Secure - Cancer Secure  
    4. Aditya Birla Activ Secure - Hospital Cash
  2. Affordable Plans
    Aditya Birla Activ Secure offers a wide coverage at very economical prices. The plans can be opted for by customers from different economic backgrounds.

     
  3. Network of Hospitals
    When you invest in a health insurance plan by Aditya Birla, you get associated with a network of 7,000 prominent hospitals and healthcare centres in the country. You have the advantage of making a cashless claim at a network hospital.

     
  4. Strong Customer Base
    As the company provides customer-friendly health insurance plans, their plans have been very popular. Since its establishment, the company has insured over 8.9 million people.

     
  5. Claim Settlement
    The company also has a transparent and quick claim settlement process. Till now Aditya Birla Capital has settled over 6.3 lakh claims.

     
  6. Spread Across the Country
    With more than 2100 company offices, spread all across India, you can easily reach out to them in case of any health insurance-related issues.

Aditya Birla Activ Secure Plan Variants

  1. Aditya Birla Activ Secure - Personal Accident

The Personal Accident variant ensures financial safety for you and your loved ones in case of an accidental injury. An accidental injury can lead to disability, loss of income, vehicle repair costs etc. Aditya Birla Activ Secure - Personal Accident will cover you for all such financial losses. 

 

The best features of the plan are:

  1. Covers you for accidental death and disability that could be permanent or partial 
  2. Offers protection against liabilities such as EMI and Loan
  3. You can cover your spouse, up to 4 dependent children, parents and in-laws 
  4. For your dependent children, there are the benefits of Orphan Benefit and Education Benefit 
  5. A wide range of optional benefits available

     

Plan Details of Aditya Birla Activ Secure - Personal Accident

Entry Age

5 years - 65 years

Child: Over 91 days

Type of PolicyFamily Floater Plan
Sum Assured

Sum Assured can be 

  • Up to 12 times the Annual Gross Income 
  • INR 30 lakhs for a non-earning member 
  • INR 15 lakhs for parents/children
Pre-Medical CheckupNot required
Co-PaymentNone
RenewabilityLifelong



 

    2. Aditya Birla Activ Secure - Critical Illness

As the name suggests, Critical Illness cover helps you to safeguard your entire family against any of the 20/ 50/ 64 listed critical illnesses. You can also receive a maximum payout of 150% of the sum insured.

 

The best features of the plan are:

  1. Receive a lump sum benefit on the diagnosis of any of the specified illnesses
  2. You can avail the benefit of Second E-opinion
  3. A lot of Sum Insured options that go up to INR 1 crore
  4. Option to choose 3 plan variants with multiple benefits
  5. You can cover yourself, spouse, dependent children, parents, parents-in-law

     

Plan Details of Aditya Birla Activ Secure - Critical Illness

Entry Age

Plan 1 & 2

  • 5 years onwards

Plan 3

  • 18 years onwards
  • Children 91 days
Type of PolicyFamily Floater
Sum Assured

Sum Assured can be 

  • Up to 12 times the Annual Gross Income 
  • INR 30 lakhs for a non-earning member 
  • INR 10 lakhs for parents/INR 15 lakhs for children
Pre-Medical CheckupRequired
Co-PaymentNone
RenewabilityLifelong
Pre-existing Disease Waiting Period48 months

       3. Aditya Birla Activ Secure - Cancer Secure
With Aditya Birla Activ Secure - Cancer Secure, you can secure yourself from all financial complications that may arise from any cancer stage. The plan covers minors to an advanced stage of cancer. In a crucial time when you are suffering from cancer, Cancer Secure helps you have some peace of mind. 

The best features of the plan are:

  1. Different stages of payout depending on the cancer stage
    1. 50% payout for the early cancer stage
    2. 100% payout for major cancer stage
    3. 150% payout for advanced cancer stage
  2. Cumulative bonus that offers increased protection in future
  3. You can avail Second E-Opinion
  4. Wellness coach facility can be availed
  5. You can cover yourself, spouse, dependent children, dependent parents, dependent parents-in-law

     

Plan Details of  Aditya Birla Activ Secure - Cancer Secure

Entry Age18 years and above
Type of PolicyFamily Floater
Sum InsuredINR 5 lakhs to INR 1 crore
Pre-Medical CheckupRequired
Co-PaymentNone
RenewabilityLifelong
Pre-existing Disease Waiting Period48 months

    4. Aditya Birla Activ Secure - Hospital Cash
Aditya Birla Activ Secure - Hospital Cash lets you manage any unpredictable costs during hospitalisation. The indirect expenses that you incur during the hospital stay can burn a big hole in your pocket. With Hospital Cash, you can easily cover these auxiliary expenses.

 

The best features of the plan are:

  1. Select a cash allowance from INR 500 to INR 10,000, irrespective of your hospital bill
  2. Choose the number of days in a policy year you want the benefit
  3. Avail Convalescence benefit in case of 7 days of hospitalisation
  4. Double benefit in case you get admitted in ICU

Plan Details of Aditya Birla Activ Secure - Hospital Cash

Entry Age5 years to 65 years, Child- 91 days
Daily AllowanceINR 5,00 to INR 10,000
Type of PolicyFamily Floater
Pre-Medical CheckupNot Required
Co-PaymentNone
RenewabilityLifelong
Pre-existing Disease Waiting Period48 months

What are the Exclusions of Aditya Birla Activ Secure Plan?
Given below are the major exclusions in the Activ Secure Plan. For variant-specific exclusions, you are suggested to refer to the policy document: 

  1. Treatment expenses that are incurred for a disease or illness are not covered for the initial 30 days
  2. Any injury or illness that is caused due to participation in the war, civil war, public defence, military acts, uprising etc are not covered
  3. If an injury is caused while attempting an illegal or criminal activity, the treatment will not be covered
  4. Suicide attempt, self-inflicted injuries are not covered
  5. An injury caused while participating in hazardous adventure sports, such as  scuba diving, bungee jumping, skydiving, river rafting etc. is not covered 
  6. Injury or illness caused due to alcohol/ intoxicant consumption is not covered
  7. Stem cell therapies
  8. Sexually transmitted diseases
  9. Mental disorders
  10. Non-medical expenses

Renewal Process Of Aditya Birla Activ Secure Plan


To keep yourself continuously guarded against all the untoward incidents in life, it is imperative that you get your policy renewed on time. This way you can ensure that you and your family are not at risk of being without a health insurance cover. At the time of renewal of your policy, remember the following points:

  1. When your policy reaches its expiry date, a 30-day grace period begins
  2. You need to renew the policy during this period, however, a claim made during these 30 days won’t be admissible 
  3. The policy would be terminated after the grace period is over

Claim Process of  Aditya Birla Activ Secure Plan

When you need medical treatment that can be claimed under the Activ Secure Plan, the first thing you need to do is notify the company about the same. In the case of planned hospitalisation inform the company at least 3 days before the admission, in case of an emergency hospitalisation inform the company within 48 hours. 

To register the claim you can either 

  • Visit the company website online
  • Write an email to them 
  • Call on 1800 270 7000

Depending on the variant of Aditya Birla Activ Secure that has been selected by you, the claim will be settled. The claim can be of the following types:

  • Cashless Claim
    In a network hospital, you do not make the entire payment yourself, rather the company settles the bill directly with the hospital. This kind of cashless claim requires minimal paperwork from your side.

     
  • Reimbursement Claim
    At a non-network hospital, you would have to pay for the hospitalisation upfront, however, you can request for reimbursement for the expenses that have been incurred by you. You would have to submit all the treatment-related documents along with the Claim Form.

     
  • Lump-Sum Benefit Claim
    In case of a plan that offers lump-sum benefit, you would have to inform the company as early as possible about the incident/ accident/ diagnosis. Once all documents reach the company, post verification, the payout will be given to you.  

     

Aditya Birla Health Insurance - Customer Care Details 

Official Websiteadityabirlahealthinsurance.com 
Email IDcare.healthinsurance@adityabirlacapital.com
Phone numbers1800 270 7000 
Fax Number91 22 6225 7700
Company Address 

Aditya Birla Health Insurance Co. Limited, 9th Floor, Tower 1, 

One World Centre, Jupiter Mills Compound, 841, 

Senapati Bapat Marg, Elphinstone Road, Mumbai 400013

Aditya Birla Activ Secure - Frequently Asked Questions
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