Aditya Birla Group Personal Accident Insurance

Aditya Birla Active Secure Policy Key Features and Benefits

Accidents can result in property damage, costly medical bills and long-term disabilities, making it crucial for organisations to offer financial protection to employees and their families. A Group Personal Accident Insurance plan ensures peace of mind by providing financial assistance for various accident-related losses.

Key Features and Benefits of the Plan:

1. Comprehensive Coverage: Protects against accidental death, partial disability, and permanent disability.
2. Vehicle and Residence Modification: Covers the cost of repairs or modifications to adapt to post-accident needs.
3. Educational and Orphan Benefits: Provides financial support for dependent children, including one-time lump sum amounts.
4. Add-On Covers: Optional benefits like accidental in-patient hospitalisation, worldwide emergency assistance, and temporary total disability coverage.
5. Loan and EMI Protection: Safeguards financial commitments by covering loan instruments and EMIs.
6. Cumulative Bonus: Rewards claim-free years with a 5% bonus, up to a maximum of 50% of the sum insured.
7. Wellness Coach: Offers personalised health and lifestyle guidance to aid faster recovery and overall well-being.
8. Income Loss Protection: Ensures financial stability by compensating for income loss due to accidents.

Aditya Birla Active Secure Policy Inclusions:

The inclusions under Aditya Birla Active Secure policy are as follows:

• Accidental Death Cover: Provides 100% of the Sum Insured (SI) to the nominee in case of the insured's accidental death.
• Permanent Partial Disablement: Offers up to 100% of the SI, depending on the severity and nature of the disability.
• Permanent Total Disablement: Provides 100% of the SI if the insured suffers a permanent total disablement.
• Education Benefits: Grants a one-time lump sum amount of 10% of the SI to surviving dependent children.
• Emergency Road Ambulance Cover: Covers up to ₹10,000 for emergency ambulance services.
• Funeral Expenses: Pays up to 1% of the SI, with a maximum limit of ₹50,000, towards cremation and funeral costs.
• Cumulative Bonus :Awards a 5% cumulative bonus for each claim-free policy year, up to a maximum of 50% of the SI. In the event of a claim, the bonus reduces by 5% of the SI.
• Repatriation of Mortal Remains: Provides ₹50,000 for transporting mortal remains to the insured's residence or cremation ground.
• Modification Benefits: Covers up to ₹1 lakh for modifications to the insured's residence or vehicle after a disablement.
• Orphan Benefits: Offers 10% of the SI, up to ₹15 lakhs, to dependent children if both insured parents die in an accident, regardless of the number of children.
• Compassionate Visit: Reimburses travel expenses for a relative to visit the insured in the hospital, with domestic travel capped at ₹10,000 and international travel at ₹25,000.

Aditya Birla Active Secure Policy Add-Ons:

The additional or add-on cover options can be purchased by paying an extra premium, enhancing the base policy with a range of benefits:

1. Temporary Total Disablement: Weekly benefits of up to ₹50,000 are provided for a maximum of 100 weeks to the injured policyholder, as per the opted coverage.
2. Accident In-Patient Hospitalisation Cover: Covers hospitalisation expenses with the higher of either 1% of the accidental death sum insured (SI) or ₹1 lakh for medical costs related to such hospitalisation.
3. Coma Benefit: Provides financial assistance to the insured if they get into coma due to an accident.
4. Broken Bones Benefit: Offers payments for fractures as per the terms of the policy.
5. Burn Benefits: Covers payments for burn injuries, with compensation based on the severity and degree of burns.
6. Accidental Medical Expenses: Pays for outpatient department (OPD) treatment resulting from an injury.
7. Adventure Sports Injury: Provides financial coverage for injuries sustained during adventure sports activities.
8. Worldwide Emergency Assistance Services: Includes transportation to a medical facility during emergencies and return to the insured’s residence under medical supervision.
9. EMI Protect: Covers monthly loan installments for the insured as per the policy terms in case of an eligible claim.
10. Wellness Coach: Offers guidance on nutrition, fitness, and lifestyle habits through a dedicated wellness coach.
11. Loan Protect: Covers the outstanding loan amount of the insured, as specified in the policy terms.

Aditya Birla Group Personal Accident Policy Exclusions

Claims that arise because of the below-mentioned clauses are not included under the Active Secure Personal Accident Policy of Aditya Birla Health Insurance:

• Intentional self-injury
• Attempt to suicide or suicide
• Mental illness, venereal diseases, a psychiatric condition
• Foreign enemy acts, war, usurped acts, or mental sickness or illness
• Any hospitalisation that does not result in any injury
• If the policyholder commits any breach of law with criminal intent

Aditya Birla Active Secure Policy Claim Process:

Here are the steps to file a claim under Aditya Birla Active Secure insurance policy:

Notify the Insurance Provider: Contact the customer care service and report the accident within seven days.

Prepare Documentation: Gather all necessary documents and fill out the claim form.

Submit the Claim: Submit the documents and claim form to the insurer within one month.

Receive Pay-Out: The insurance provider verifies and disburses the claim amount.

Documents Required to File Aditya Birla Group Personal Accident Insurance Claim

The list of required documents to file Aditya Birla Group Personal Accident Insurance claims are as follows:

• Duly filled and signed claim form
• Copy of medico-legal certificate that is attested or FIR
• Proof of age and Photo ID
• Copy of consultation letter post-accident
• Additional documents as per the case and as required by the insurance provider.

Aditya Birla Group Personal Accident Policy - FAQs