“Decoding Personal Accident Insurance: HDFC Ergo vs. Aditya Birla Health – Which Plan Suits You Better?
While term insurance and health insurance prove to be useful for your death and health, the Personal Accident policy covers your liabilities. This article compares the HDFC Personal Accident Plan and Aditya Birla Health Insurance Activ Secure Personal Accident Plan
| Sr. No | Features | HDFC Personal Accident Top Variant | ABHI Activ Secure PA Plan Top Variant |
| 1 | Eligibility Age | 18 years to 65 years | 18 years to 65 Years |
| 2 | Sum Insured | 10 Lakh to 5 Cr | 10 Lakh to 20 Cr |
| 3 | Maximum Coverage | 10 times of Annual Income | 10 times of Annual Income |
| 4 | Accidental Death Cover | 100% of Sum Insured | 100% of Sum Insured |
| 5 | Permanent Total Disablement (PTD) | 100% of Sum Insured | 100% of Sum Insured |
| 6 | Disappearance | 100% of Sum Insured after 12th months | 100% of Sum Insured after 365 days |
| 7 | Comatose Benefit – Accident Only | 5 lakh to 25 lakh, depending upon the base Sum Insured | 10 Lakh irrespective of base Sum Insured |
| 8 | Permanent Partial Disability (PPD) | 100% of Sum Insured | 10 Lakh irrespective of the base Sum Insured |
| 9 | Temporary Total Disability/ Week | Rs. 10K to 100k , depending upon Income & Base Sum Insured for 104 Weeks | Rs. 1K to 50k , depending upon Income & Base Sum Insured for 100 Weeks |
| 10 | Emergency medical expenses | Upto 100K | Upto 100K |
| 11 | Dependent Child Education Benefits | 100K to 500K, Depending Upon Base Sum Insured | 10% of Base Sum Insured Maximum Upto 10 Lakh |
| 12 | Last Rites Cost – Accident only | Upto 10K | Not Available |
| 13 | Parental Care Benefits/ Orphan Benefits | 50K to 100K Depending upon the Base Sum Insured | 10% of Base Sum Insured Maximum Upto 15 Lakh |
| 14 | Broken Bones | Upto 100K | 100K to 500K |
| 15 | Burns | 50K to 75K, Depending Upon the Base Sum Insured | 100k to 300K |
| 16 | Emergency Road Ambulance | Not Available | Upto 10K |
| 17 | Funeral Expenses | Not Available | Upto 1% of Base Sum Insured maximum upto 50K |
| 18 | Repatriation of Mortal Remains | Not Available | Upto 1% of Base Sum Insured maximum up to 50K |
| 19 | Modification Benefits | Not Available | Upto 100K |
| 20 | Compasonate Visit | Not Available | Domestic upto 10K and International Upto 25K |
| 21 | Cumulative Bonus | Not Available | 5% per claim free year, Max 50% of Base Sum Insured, applicable for only upto 10 Cr Base Plan |
| 22 | EMI Protect | Not Available | 3 EMIs, 50K to 500K |
| 23 | Loan Protect | Not Available | 1 Lakh to 10 Cr Depending upon the Base Sum Insured |
| 24 | Coma Benefits | Not Available | 10 Lakh |
| 25 | Accidental Medical Expenses (Encluding OPD) | Not Available | Depending upon the Base Sum Insured |
| 26 | Adventure Sports Cover | Not Available | Benefit up to Accidental Death Cover Sum Insured, maximum up to 10 Lakh |
| 27 | Worldwide Emergency Assistance | Not Available | Yes |
| 28 | Wellness Coach | Not Available | Yes |
Conclusion – You can opt for the plan as per your needs
Disclaimer- This article is not any sponsored article, it is only for information purposes
