How does the waiting period affect my coverage?

No waiting period for accident-related claims; coverage starts immediately after policy issuance.

What happens if I don’t use my health insurance benefits for the entire year?

No-claim bonus not applicable; coverage remains unchanged if no claims are made.

Will my health insurance cover treatment abroad?

International treatment is not covered; policy benefits apply only within India.

OneAssure

Health Insurance

Aditya Birla

Personal Accident Cover Activ Secure Personal Accident Plan

Aditya Birla Activ Secure Personal Accident Plan

Experience India's most trusted health insurance with Aditya Birla Health Insurance. Get instant cashless treatment at 8000 network hospitals with sum insured up to ₹50 lakhs.

96

Claim Settlement Ratio

8000

Network Hospitals

8.8

Customer Rating

Get a Quote

96

Claim Settlement Ratio

8000

Network Hospitals

8.8

Customer Rating

Our Verdict

Expert Review: Aditya Birla Health Insurance

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Final 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

About Aditya Birla Health Insurance

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.

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...

Inclusions and Exclusions

Inclusions and Exclusions of Aditya Birla Insurance Company Limited

Room Rent

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 Period

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.

Daycare Treatment

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.

Room Rent

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.

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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.

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About the company

Aditya Birla Health Insurance, part of the Aditya Birla Capital Group, is among India’s most reliable and customer-centric health insurers. The company aims to go beyond basic protection by focusing on preventive healthcare, wellness programs, and rewards for maintaining a healthy lifestyle. It provides a wide range of health plans for individuals, families, and senior citizens, offering flexible sum insured options and comprehensive benefits. With a strong network of over 8,000 hospitals across India, Aditya Birla ensures easy access to quality medical care through a smooth cashless claim process. The insurer also offers features like chronic care management, annual health check-ups, and value-added wellness services to promote long-term health. Backed by 24/7 customer support, quick claim settlement, and a transparent service approach, Aditya Birla Health...

Aditya Birla Health Insurance, part of the Aditya Birla Capital Group, is among India’s most reliable and customer-centric health insurers. The company aims to go beyond basic protection by focusing on preventive healthcare, wellness programs, and rewards for maintaining a healthy lifestyle. It provides a wide range of health plans for individuals, families, and senior citizens, offering flexible sum insured options and comprehensive benefits. With a strong network of over 8,000 hospitals across India, Aditya...