Aditya Birla Activ Secure

PROTECTING your wellbeing is important after an accident

All You Need To Know

Key benefits

- Complete protection against Death and Disability
- Protection against income loss
- Protection against hospitalisation related expenses
- Cumulative bonus leading to increased protection every year

Key Features

Accidental Death Cover (AD)

Get 100% of sum Insured in case of Accidental Death.

Permanent Total Disablement (PTD)

Get 100% of sum Insured in case of Permanent Total Disablement.

Permanent Partial Disablement (PPD)

Get up to 100% of sum Insured, depending on the nature of the disability.

Education Benefit

Get one-time lump sum payment of 10% of sum insured for  surviving dependent child.

Emergency Road Ambulance Cover

Get up to Rs.10,000 as emergency ambulance services.

Funeral Expenses

Get up to 1% of Sum Insured, maximum up to Rs.50,000 towards funeral or cremation expenses.

Repatriation of Remains

Get Rs.50,000 towards transportation of mortal remains from the place of death to the residence or a cremation ground.

Orphan Benefit

In case of accidental death of parents, receive 10% of Sum Insured, maximum up to Rs.15 Lakhs. This amount is payable irrespective of the number of Dependent Children.

Modification Benefit

Get up to Rs.1 Lakh towards suitable improvements carried out for residence/ vehicle following a disablement.

Compassionate Visit

Get a travel expenses for a relative to visit you at to the place of Hospitalization.

Domestic travel: up to Rs.10,000

International travel: up to Rs.25,000

P.A. Cumulative Bonus

Get a 5% bonus in case of a claim free policy year, maximum up to 50% of Sum Insured.

Bonus reduces by 5% of the Sum Insured in case of a claim.

Temporary Total Disablement (TTD)

Optional Cover: Get a weekly benefit as opted, maximum up to 50,000 per week, up to 100 weeks, with respect to any one Injury.

Accidental In-patient hospitalization cover

Optional Cover: In case of hospitalization get 1% of Accidental Death Sum Insured or Rs.1 Lakh whichever is higher, incurred towards medical expenses for such hospitalization.

Broken Bones Benefit

Optional Cover: Get payment as per your policy terms towards fracture of bones.

Coma Benefit

Optional Cover: Get payment as in case of a coma due to an accident.

Burn Benefit

Optional Cover: Get payment towards burns, depending on the degree of burns.

Accidental Medical Expenses

Optional Cover: get payment for OPD treatment of an injury.

Adventure Sports Cover

Optional Cover: Get payment for an injury caused while engaging in a sports activity.

Worldwide Emergency Assistance Services

Optional Cover: Get assistance for transportation to a medical facility and then to return to your residence under medical supervision in case of an emergency.

EMI Protect

Optional Cover: Get your monthly instalments for your loan covered as per your policy terms.

Loan Protect

Optional Cover: Get your outstanding loan amount covered as per your policy terms.

Wellness Coach

Optional Cover: Get a wellness coach to guide you on nutrition, fitness and lifestyle habits.

Click Here to read the policy wording. 


I want to cover my 4 family members. Do I get any discounts?
You can avail a discount of 10% on premium on covering 2 or more family members in a single policy.

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

How should I claim benefit under the Personal accident plan?
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

What are the premium payment options under this policy?
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. 

Can I nominate my child a minor to receive the benefit in case of any Accidental death?
Yes, in such case guardian of the nominee has to be provided.