Health Insurance

Aditya Birla Health Insurance Co. Limited

Activ Secure - Table of Benefits

1. Personal Accident Cover

Plan Plan I Plan II Plan III Plan IV Plan V

Sum Insured ` 1Lac, ` 1Lac, 2Lacs, ` 1Lac, 2Lacs, ` 5Lacs, ` 10Lacs,

2Lacs, 3Lacs, 3Lacs, 4Lacs, 3Lacs, 4Lacs, 6Lacs, 7Lacs, 15Lacs,
4Lacs, 5Lacs, 5Lacs, 6Lacs, 5Lacs, 6Lacs, 8Lacs, 9Lacs, 20Lacs,
6Lacs, 7Lacs, 7Lacs, 8Lacs, 7Lacs, 8Lacs, 10Lacs, 25Lacs,
8Lacs, 9Lacs, 9Lacs, 10Lacs, 9Lacs, 10Lacs, 15Lacs, 30Lacs,
10Lacs, 15Lacs, 15Lacs, 20Lacs, 40Lacs,
15Lacs, 20Lacs, 20Lacs, 25Lacs, 50Lacs, 1Cr,
20Lacs, 25Lacs, 25Lacs, 30Lacs, 1.5Cr, 2Cr,
25Lacs, 30Lacs, 30Lacs, 40Lacs, 5Cr, 7.5Cr,
30Lacs, 40Lacs, 40Lacs, 50Lacs, 1Cr, 10Cr, 15Cr,
40Lacs, 50Lacs, 1Cr, 50Lacs, 1Cr, 1.5Cr, 2Cr, 20Cr
50Lacs, 1Cr, 1.5Cr, 2Cr, 5Cr 1.5Cr, 2Cr, 5Cr 5Cr, 10Cr
1.5Cr, 2Cr

A. Basic 1 Accidental Death 100% of SI 100% of SI 100% of SI 100% of SI 100% of SI

Covers Cover (AD)

2 Permanent Total Not covered 100% of SI 100% of SI 100% of SI 100% of SI

Disablement(PTD)

3 Permanent Partial Not covered Not covered 100% of SI 100% of SI 100% of SI

Disablement(PPD)

4 Education Benefit 10% of SI max 10% of SI max 10% of SI max 10% of SI max 10% of SI max
up to 10 Lacs up to 10 Lacs up to 10 Lacs up to 10 Lacs up to 10 Lacs

5 Emergency Road Not covered Not covered Not covered Covered up to Covered up to
Ambulance Cover ` 10,000 ` 10,000

6 Funeral Expenses Not covered Not covered Not covered Covered up to Covered up to
1% of SI, 1% of SI,
maximum maximum
up to ` 50,000 up to ` 50,000

7 Repatriation of Remains Not covered Not covered Not covered Not covered Lump sum
benefit of
` 50,000

8 Orphan Benefit Not covered Not covered Not covered Not covered Lump sum
benefit of 10%
of SI,maximum
up to ` 15Lacs

9 Modification Benefit Not covered Not covered Not covered Not covered Covered up to
(Residence and vehicle) ` 1Lac

10 Compassionate visit Not covered Not covered Not covered Not covered Domestic: up
to 10,000
International:
up to 25,000

11 P.A Cumulative Bonus 5% per claim 5% per claim 5% per claim 5% per claim Applicable for
free year, free year, free year, free year, Sum Insured up
to 10 Crores
maximum maximum 50% maximum 50% maximum 50% only.
50% of of Sum Insured of Sum Insured of Sum Insured 5% per claim
Sum Insured free year,
maximum 50%
of Sum Insured

B. Optional 12 Temporary Total Weekly benefit equal to 1/100th of TTD limit, maximum up to 50,000 per week,
Covers Disablement (TTD) up to 100 weeks. Max TTD limit will be 2 times the income
Weekly benefit options : 1000 , 2000 ,3000, 4000, 5000, 7500, 10000, 12500,
(Available 15000 ,20000 ,25000, 30000 ,40000 ,50000
only with
death SI
5 Lacs
and above)

13 Accidental in-patient Covered up to 1% of AD SI or Rs. 1Lac whichever is higher

Hospitalization Cover

Activ Secure, Product UIN: ADIHLIP18076V011718.

B. Optional 14 Broken Bones Benefit Benefit limit up to ` 1Lac/ 3 Lacs/ 5 Lacs
Covers (lump sum as per table)
15 Coma Benefit Benefit limit equal to Accidental Death Cover Sum Insured,
maximum up to ` 10Lacs

16 Burn Benefit Benefit limit up to ` 1Lac/ 2 Lacs/ 3 Lacs (lump sum as per table)

17 Accidental Medical Coverage up to the lowest of following:

Expenses 1) Actual Expenses
2)10% of Accidental death SI
3) 40% of admissible claim under PTD
4) 40% of admissible claim under PPD
5) 40% of admissible claim under TTD
6) ` 50,000
(in-patient expenses not covered)

18 Adventure Sports Cover Benefit up to Accidental Death Cover Sum Insured, maximum up to ` 10Lacs

19 Worldwide Emergency Available

Assistance Services
(including Air Ambulance)

20 EMI Protect 3 EMI totaling upto the following options (in `):
50000, 75000, 100000, 200000, 300000, 400000, 500000

21 Loan Protect Options `: 1Lac, 2 Lacs, 3 Lacs, 4 Lacs, 5 Lacs, 6 Lacs, 7 Lacs, 8 Lacs, 9 Lacs,
10 Lacs, 15 Lacs, 20 Lacs, 25 Lacs, 30 Lacs, 40 Lacs, 50 Lacs, 1 Cr, 1.5Cr,
2 Cr, 5 Cr

(Available with Sum Insured up to ` 10 Crores only, Option may be chosen

maximum upto AD S.I)

2. Critical Illness Cover

Plan Plan 1 Plan 2 Plan 3

A. Basic Sum Insured ` 1Lac, ` 1Lac, 2Lacs, ` 5Lacs,

Covers 2Lacs, 3Lacs, 3Lacs, 4Lacs, 6Lacs, 7Lacs,
4Lacs, 5Lacs, 5Lacs, 6Lacs, 8Lacs, 9Lacs,
6Lacs, 7Lacs, 7Lacs, 8Lacs, 10Lacs,
8Lacs, 9Lacs, 9Lacs, 10Lacs, 15Lacs,
10Lacs, 15Lacs, 20Lacs,
15Lacs, 20Lacs, 25Lacs,
20Lacs, 25Lacs, 30Lacs,
25Lacs, 30Lacs, 40Lacs,
30Lacs, 40Lacs, 50Lacs, 1Cr
40Lacs, 50Lacs, 1Cr
50Lacs, 1Cr

Critical Illness Cover 20 CIs Covered 50 CIs Covered List A: 50 CIs

(100% SI (100% SI) (100% SI) List B:
14 CIs (50% SI
max 10 Lacs)

Initial waiting period 90 days 90 days 90 days (180 days

for conditions as
mentioned in
list B)

Survival Period 15 days 15 days 15 days

B. Optional Second E Opinion

Covers Available Available Available
(optional)

3. Cancer Secure Cover

Cancer Secure Plan

A. Basic Sum Insured ` 5 Lacs, 6 Lacs, 7 Lacs, 8 Lacs, 9 Lacs, 10 Lacs, 15 Lacs, 20 Lacs, 25 Lacs, 30
Cover Lacs, 40 Lacs, 50 Lacs, 1 Cr

Cancer Cover Early: 50% SI, max 10 Lacs

Major: 100% SI
Advanced: First detected at metastatic stage (cancer spreading to other organs
of body)- 150% SI

Activ Secure, Product UIN: ADIHLIP18076V011718.

 Initial waiting period 90 days (180 days for Early stage)

Survival Period 7 Days

Cancer Cumulative Bonus 10% per claim free year, maximum 100% of Sum Insured

B. Optional Second E opinion Available

Covers

4. Hospital Cash Cover

Hospital Cash Plan

Daily Cash Benefit (DCB) ` 500, ` 1000, ` 2000, ` 3000, ` 4000, ` 5000, ` 10,000

Days per Policy Year limit 30 days/ 45 days/ 60 days

Coverage Deductible per claim 1 day

Double Benefit Cover 2 times Daily Cash Benefit is paid for each day of hospitalization (post deductible)
(Max up to 10 days within the in case of one or more of following events:
days per Policy Year limit) - ICU hospitalization days
- Hospitalization due to Road Traffic Accidents

Convalescence Benefit Lump sum benefit equal to 1 DCB, for hospitalization>7 days (in addition to
other DCB/double benefit)

Parental Accommodation Lump Sum benefit equal to 1 DCB, when the insured aged 12 years or less has
Benefit been hospitalized for a period exceeding consecutive 72 hours

Initial waiting period 30 days

5. Optional Cover

Optional Cover which may be taken along with any combination of Cover 1, 2 ,3, 4
Coverage
Wellness Coach Available

Notes

1. Policy to be offered on a multi individual basis, where 10% discount is available for more than two individuals in a Policy as family discount
2. A long term discount of 7.5% and 10% on selecting a 2 and 3 years Policy respectively. Long term discount will apply only in case of
Single Premium Policies.
3. Policy can be purchased for the following relations
a. Self
b. Legally married spouse as long as they continue to be married; and/or
c. Up to four of their children; and/or
d. Up to 2 Parents; and/or
e. Up to 2 Parent in law
4. The minimum Age at entry is 5 years for all the plans under the Policy except Critical Illness Cover plan 3 and Cancer Secure Cover, for
which minimum entry Age is 18 years. Maximum entry Age is 65 years under the Policy. Proposer’s Age should be at least 18 years.
5. Same plan under each selected cover shall be applicable to all members in the Family Policy
6. Eligibility for Personal Accident Cover, Critical Illness Cover, Cancer Secure Cover:
a. Personal Accident Cover
i. For Earning Member(s)
• Basic cover Sum insured (in case Loan Protect benefit is not opted) Up to 12 times gross annual income of Insured.
• Personal Accident Cover taken along with Loan Protect optional benefit: Basic Cover Sum Insured plus Loan Protect optional benefit
limit up to 15 times his/her gross annual income.
• TTD SI – Salaried/ Self-employed – Up to 2 times of Annual gross income.
ii. Non-earning Spouse / Parent/Parent in laws – 100% of Proposer’s Basic cover sum insured/eligibility or 30L whichever is lower.
TTD Benefit is not applicable.
iii. Children/Student – 100% of Proposer’s Basic cover sum insured/eligibility or 15L whichever is lower. TTD Benefit is not applicable.
b. Critical Illness Cover and Cancer Secure Cover
i. Earning Member– Sum insured Up to 12 times Annual gross income of Insured.
ii. Non-earning Spouse– 50% of Proposer’s sum insured/eligibility or 30L whichever is lower.
iii. Non-earning Parent/ Parent in laws – 50% of Proposer’s sum insured/eligibility or 10L whichever is lower.
iv. Children/Student – 50% of Proposer’s sum insured/eligibility or 15L whichever is lower.
7. TTD optional cover is available only for earning members under the Policy maximum up to 2 times his/her annual Income. However,
TTD S.I cannot be higher than the personal accident S.I. TTD cover is not available with occupation risk class 3.
8. For other optional covers under Personal Accident Cover, if chosen, will be applicable to all members in the Policy.

Activ Secure, Product UIN: ADIHLIP18076V011718.

Aditya Birla Health Insurance Co. Limited. IRDAI Reg.153. CIN No. U66000MH2015PLC263677.
Product Name: Activ Secure, Product UIN: ADIHLIP18076V011718.
Address: 9th Floor, Tower 1, One Indiabulls Centre, Jupiter Mills Compound, 841, Senapati Bapat Marg, Elphinstone
Road, Mumbai 400013. Email: care.healthinsurance@adityabirlacapital.com, Contact us:
Website: adityabirlahealthinsurance.com, Telephone: 1800 270 7000, Fax: +91 22 6225 7700. Contact us:
1800 270 7000
For more details on risk factors, terms and conditions please read terms and conditions carefully before concluding a sale. 1800 270 7000
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). adityabirlacapital.com