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Activ Secure -Personal Accident Cover

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PROTECTING your wellbeing is important after an accident.

Life is so much better when you know that you are protected. Activ Secure – Personal Accident Cover is a specially designed plan to give you and your family the protection and financial backing required in case of an unfortunate accident.

Activ Secure -Personal Accident Cover

  • Complete protection for you and your family
  • Protection against income loss 5% cumulative bonus per claim free year, maximum 50% of Sum Insured

Key Benefits

100% payout for Permanent Total Disabilities due to accidents

Weekly benefit during Temporary Total Disability (TTD) due to accident.

Protection for your Loans and EMI’s

5% per claim free year, maximum 50% of Sum Insured.

Emergency Road Ambulance covered up to 10,000.

Up to 100% payout on Accidental Death.

Optional Covers #Not covered in plan I, @Maximum upto to 50,000 per week up to 100 weeks,
applicable for Sum Insured up to 10 Crores only.

Step 1
Select your sum insured (₹)
Plan I Plan II Plan III Plan IV Plan V
1–10 lakhs (multiples of 1 lakh)
15–25 lakhs (multiples of 5 lakhs)
30–50 lakhs (multiples of 10 lakhs)
1 cr, 1.5 cr, 2 cr 		1–10 lakhs (multiples of 1 lakh)
15–25 lakhs (multiples of 5 lakhs)
30–50 lakhs (multiples of 10 lakhs)
1 cr, 1.5 cr, 2 cr, 5 cr 		1–10 lakhs (multiples of 1 lakh)
15–25 lakhs (multiples of 5 lakhs)
30–50 lakhs (multiples of 10 lakhs)
1 cr, 1.5 cr, 2 cr, 5 cr 		5–10 lakhs (multiples of 1 lakh)
15–25 lakhs (multiples of 5 lakhs)
30–50 lakhs (multiples of 10 lakhs)
1 cr, 1.5 cr, 2 cr, 5 cr, 10 cr 		10–25 lakhs (multiples of 5 lakhs)
30–50 lakhs (multiples of 10 lakhs)
1 cr, 1.5 cr, 2 cr, 5 cr, 7.5 cr,
10 cr, 15 cr, 20 cr

Step 2
Pick from 5 Base Plans
# Benefits Plan I Plan II Plan III Plan IV Plan V
1 Accidental Death Cover (AD) 100% of sum insured 100% of sum insured 100% of sum insured 100% of sum insured 100% of sum insured
2 Permanent Total Disablement (PTD) – 100% of sum insured 100% of sum insured 100% of sum insured 100% of sum insured
3 Permanent Partial Disablement (PPD) – – 100% of sum insured 100% of sum insured 100% of sum insured
4 Education Benefit 10% SI max ₹10L 10% SI max ₹10L 10% SI max ₹10L 10% SI max ₹10L 10% SI max ₹10L
5 Emergency Road Ambulance – – – Covered upto ₹10,000 Covered upto ₹10,000
6 Funeral Expenses – – – 10% SI max ₹50,000 10% SI max ₹50,000
7 Repatriation of Remains – – – – Lump sum ₹50,000
8 Orphan Benefit – – – – 10% SI max ₹15L
9 Modification Benefit – – – – Covered upto ₹1L
10 Compassionate Visit – – – – Domestic ₹10k / International ₹25k
11 P.A Cumulative Bonus / No Claim Discount 5% per claim free year, max 50% of Sum Insured (Applicable on renewal premium)

Step 3
Pick your optional covers
Optional Covers
1 Temporary Total Disablement (TTD) Weekly benefit options ₹1,000 to ₹5,000
Max TTD limit: 2x income
Weekly payout = 1/100th TTD limit
Max 100 weeks
2 Accidental In-patient Hospitalization Up to 1% of AD Sum Insured or ₹1L whichever higher
3 EMI Protect 3 EMIs upto ₹5L
4 Broken Bones Benefit ₹1L / ₹2L / ₹3L / ₹5L (lump sum)
5 Loan Protect Accidental cover upto ₹10 Cr
6 Coma Benefit Equal to AD cover, max ₹10L
7 Burn Benefit ₹1L / ₹2L / ₹3L (lump sum)
8 Accidental Medical Expenses Lowest of Actual / % of AD / PPD / PTD / TTD
9 Adventure Sports Cover Upto AD Sum Insured, max ₹10L
10 Worldwide Emergency Assistance Available
11 Wellness Coach Available
Eligibility Criteria
i. Age Minimum entry age – 5 years
Maximum entry age – 65 years
Coverage under Temporary Total Disablement (TTD) benefit cannot be renewed post 70 years
ii. Tenure 1, 2, 3 years
iii. Relationships covered Self, spouse, up to 4 children, up to 2 parents and 2 parents-in-laws
iv. Eligibility for Sum Insured Personal Accident Cover
  • For Earning Member:
    Basic cover Sum Insured (if Loan Protect not opted) – up to 12 times gross annual income.
    With Loan Protect – Basic Cover + Loan Protect benefit limited up to 15 times gross annual income.
    TTD (Salaried / Self-employed) – up to 2 times annual gross income.
  • Non-earning Spouse / Parent / Parent-in-law:
    100% of Proposer’s Basic Cover Sum Insured or eligibility or ₹30L whichever is lower.
    TTD benefit not applicable.
  • Children / Student:
    100% of Proposer’s Basic Cover Sum Insured or eligibility or ₹15L whichever is lower.
    TTD benefit not applicable.

Major Exclusions$

Any claim directly or indirectly arising out of:

  1. Suicide or attempted suicide, intentional self-injury
  2. Venereal disease, mental illness or sickness, psychiatric condition
  3. War, act of foreign enemy, military or usurped acts
  4. Any hospitalization not arising out of an injury
  5. Insured person committing any breach of law with criminal intent
*Please refer to the policy document for complete list of exclusions
How to claim?

After the accident, intimate us within 7 days and submit claim documents within 30 days.

Documents required:

  • Completed claim form
  • Photo ID and age proof
  • FIR or attested copy of medico-legal certificate
  • Copies of consultation letters after accident
  • Radiological investigation reports
  • Additional documents for specific benefits