
Aditya Birla Activ Secure Personal Accident Plan
Aditya Birla Health Insurance
8.8/10
OneAssure Rating
8.8/10
OneAssure Rating
Highlighted Features

Room Rent (Normal & ICU)
Covers hospital accommodation costs, including ICU with sub-limits, ensuring quality treatment without excessive financial burden.

Co-payment
No co-payment required for personal accident claims, ensuring full financial support without additional out-of-pocket expenses for the insured.
Brochure
Policy Wording
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Our Verdict
ABHI Personal Accident Cover offers comprehensive protection against accidental injuries, disabilities, and death. Ideal for individuals seeking affordable, flexible coverage for themselves and their families in case of unforeseen accidents.
About the Plan
ABHI Personal Accident (PA) Cover provides financial protection against accidental injuries, disabilities, and death. It offers lump sum payouts for accidental death, permanent total disability, and medical expenses. The plan ensures financial security for policyholders and their families by covering hospitalization, ambulance costs, and loss of income due to disability. With flexible coverage options and affordable premiums, ABHI PA Cover is designed to provide peace of mind in unforeseen situations. It’s an essential safeguard for individuals and families.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent (Normal & ICU)
Normal: Covered as per policy terms.
ICU: Covered with specified sub-limits
Advanced Treatments
Uterine Artery Embolization and HIFU (High intensity focused ultrasound)
Balloon Sinuplasty
Deep Brain stimulation
Oral chemotherapy
Immunotherapy - Monoclonal Antibody to be given as injection
Intra vitreal injections
Robotic surgeries
Stereotactic radio surgeries
Bronchical Thermoplasty
Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)
IONM - (Intra Operative Neuro Monitoring)
Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered up to sum insured.
Co-payment
No co-payment required for personal accident claims.
Waiting Periods
No waiting period for accidental injuries; coverage starts immediately after policy issuance.
Cashless Healthcare Providers
The plan provides access to over 11,000 network hospitals across India.
Day Care Treatments
Covers procedures like minor fractures, sutures, and other accident-related treatments requiring less than 24-hour hospitalization.
AYUSH Treatment
Coverage for alternative treatments under Ayurveda, Yoga, Unani, Siddha, and Homeopathy for accident-related conditions, as per policy limits.
Exclusions
Pre-existing conditions, including injuries or disabilities due to prior medical conditions.
Self-inflicted injuries, such as suicide, self-harm, or intentional harm.
Accidents caused due to drug or alcohol influence.
Injuries occurring while committing unlawful or criminal acts.
Accidents resulting from war, riots, terrorism, or civil disturbances.
Injuries sustained during professional sports, racing, or hazardous activities unless specifically covered.
No coverage for pregnancy-related complications or childbirth injuries.
Accidents due to nuclear, chemical, or biological exposure.
Exclusions
Accidental Hospitalization Cover - Covers medical expenses incurred due to accidental injuries.
Temporary Total Disability (TTD) Benefit - Provides weekly compensation if the insured is temporarily unable to work due to an accident.
Fracture or Burns Benefit - Lump sum payout for fractures, burns, or specific accidental injuries.
Adventure Sports Cover - Extends coverage for accidents during adventure sports like trekking, paragliding, etc.
Child Education Benefit - A lump sum payout to support the insured’s children’s education in case of accidental death or disability.
Loan Protection Cover - Helps in repaying outstanding loans in case of death or disability due to an accident.
Road Ambulance Cover - Covers ambulance charges for transporting the insured after an accident
Add-ons
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About the Company
Aditya Birla Health Insurance Company (ABHICL), part of Aditya Birla Capital Ltd., is a trusted health insurance provider backed by the Aditya Birla Group and South Africa’s MMI Holdings. Since starting in 2015, ABHICL has focused on offering unique health plans like Chronic Care (for ongoing illnesses) and Incentivized Wellness, which promotes healthier living by rewarding good habits.
With pre-policy medical checkups for adverse pre-existing conditions, the company ensures tailored coverage and transparency, making it a trusted choice for individuals with specific and specialized health requirements.
Serving 21+ million lives, it combines comprehensive coverage with wellness benefits, empowering individuals to lead healthier lives with unparalleled care and support.