I already have standard health insurance. Why do I need a separate Personal Accident Plan?

Your regular health insurance only covers medical bills when you are admitted to a hospital. It does not replace your lost income if an accident leaves you unable to work.The Activ Secure Personal Accident Plan is a defined protection policy. If a serious accident leads to permanent disability or death, it pays out a massive lump-sum cash amount (up to 100% of your Sum Insured) directly to you or your family. This money helps replace lost salary, pay off existing home or car loans, and cover day-to-day living expenses while your lifestyle adjusts.

Does this policy cover medical bills inside the hospital, or only payouts for disability?

y default, a personal accident policy is designed for cash payouts following major accidental outcomes (Death or Permanent Disablement). However, this specific Aditya Birla plan gives you highly flexible optional add-on covers. You can choose to add Accidental In-patient Hospitalization, which covers actual hospital bills up to ₹1 Lakh (or 1% of your sum insured), and Accidental Medical Expenses to take care of everyday outpatient (OPD) clinic visits and minor bone fracture treatments.

Is there a waiting period before I can make an accident claim?

No. Unlike regular health insurance plans that make you wait 30 days for illnesses or up to 3 years for pre-existing conditions, personal accident cover has zero waiting periods. Your safety net is active from Minute 1 of your policy issuance.

What happens to my children's future if both parents meet with a fatal accident?

This is where the plan’s built-in family safeguards kick in. It features a critical Orphan Benefit and an Education Fund. If an unfortunate accident results in the demise of both parents, the policy pays out an additional lump sum of up to 10% of the Sum Insured (capped at ₹15 Lakhs) directly to secure the surviving children's education and basic living needs, independent of standard claim payouts.

Does the plan offer any support if I need to modify my house or car after a physical disability?

Yes. If an accidental injury leads to a permanent total disability that requires you to adapt your lifestyle—such as installing a wheelchair ramp at home or modifying your vehicle's controls—the policy provides a dedicated Modification Benefit. It pays out a lump sum of up to ₹1 Lakh to help cover these sudden structural renovation costs.

Am I covered if I travel outside India or get hurt while on vacation?

Yes. The Activ Secure Personal Accident Plan provides completely worldwide coverage. Whether an unforeseen accident takes place during your daily commute in your home city or while you are traveling abroad on an international holiday, your claim eligibility remains fully intact.

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 11000 network hospitals with sum insured up to ₹50 lakhs.

96

Claim Settlement Ratio

11000

Network Hospitals

8.8

Customer Rating

Policy Brochure

Policy Policy Wording

Get a Quote

96

Claim Settlement Ratio

11000

Network Hospitals

8.8

Customer Rating

Policy Brochure

Policy Policy Wording

Our Verdict

Expert Review: Aditya Birla Personal Accident Cover Activ Secure Personal Accident Plan

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 Personal Accident Cover Activ Secure Personal Accident 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.

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...

Activ Secure Personal Accident Plan Ratings

Ratings: Aditya Birla Activ Secure Personal Accident Plan

Insurer Rating

8.21

out of 10

Insurance Rating

3.5

out of 10

No Room Rent Limit

Yes

Consumables Covered

No

No Co-payment

Yes

Loyalty Bonus >= 500%

No

No Disease Sublimits

No

Unlimited Restoration

No

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

No

Maternity Available

No

Waiting Period Waiver

No

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

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Inclusions and Exclusions

Inclusions and Exclusions of Aditya Birla Personal Accident Cover Activ Secure Personal Accident Plan

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.

Cashless Healthcare Providers

The plan provides access to over 11,000 network hospitals across India.

Waiting Period

No waiting period for accidental injuries; coverage starts immediately after policy issuance.

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.

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.

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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...

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...