12 Benefits that Make Care Secure the Ideal Plan for You

The uncertainties of life can cast a dark shadow over the most well-laid plans. Unforeseen health concerns disrupt our daily routines and impose a massive financial burden out of nowhere. It cannot be stated enough how crucial it is to secure a future with comprehensive health insurance coverage against unexpected medical emergencies especially due to accidents. Recognising this vulnerability, Care Secure provides a financial shield when uncertainties come knocking. 

One of our health insurance plans, Care Secure, offers a comprehensive solution specifically designed to give you and your loved ones peace of mind. Let’s take a closer look at what makes Care Secure stand out by discussing its features, add-ons, and benefits. By the end of this blog post, you will clearly understand why investing in accidental insurance policies like Care Secure can be a smart move.

Care Secure Plan: A Brief 

Care Secure is a fixed-benefit product offered by Care Health Insurance that provides robust financial protection against injuries, disabilities, and accidental death cover that may be caused by an accident. It is designed to act as a safety net for you and your family against hefty and unforeseen medical bills that accidents bring with them. The policy also offers a variety of add-ons that can be customised to meet individual requirements. 

With a range of sum insured options up to ₹ 3 crores, Care Secure coverage ensures substantial financial support when you need it the most. Whether you need double or even triple the sum insured in case of specific incidents like permanent total disabilities or partial disabilities, Care Secure has your back. Listed below is a tabular representation of Care Secure benefit terms and details.

Note: The proposal above 3 crores is subject to Underwriting and Reinsurance guidelines. In case the Sum Insured cannot be offered a counter offer for the applicable SI will be issued.

How Can You Secure Your Health with Care Secure? 

Due to its wide range of benefits, Care Secure stands out as the most suitable plan for investing in comprehensive personal accident coverage. 

Besides offering coverage for major diagnostic tests, domestic road ambulance, permanent partial disablement (PPD), permanent partial disablement improvement, and temporary total disablement, Care Secure policy has a lot more to offer. Here are 12 ways Care Secure has got you covered.

• Accidental Death: The coverage for accidental death assures that the insured individual’s beneficiaries will receive financial support, i.e., 100% of the sum insured (SI), in the unfortunate event of the insured's accidental death. However, the payout is contingent on the accident occurring within the policy period. 
• Permanent Total Disablement (PTD): When an accident results in permanent total disablement, this disability medical insurance will provide 100% of the sum insured to the insured individual within 12 months from the date of the accident, helping him/her cope with the significant lifestyle changes and medical requirements.
• Permanent Total Disablement Improvement: Disability insurance coverage enhances the basic permanent total disablement cover by offering an additional payout on the sum insured. Please note that this addition is payable even if there are no such improvements in the disability. The plan helps to support the insured financially following a permanent total disablement.
• Common Carrier Mishap Disability Benefits: This cover provides compensation up to 100% of the sum insured in the event of the insured's accidental death or PTD while travelling on a valid ticket in a common carrier (bus, train, cruise ship, or aeroplane). Private carriers (taxi, auto, Ola, Uber) do not fall under this. 
• Accidental Coverage for Fracture: During the policy period, if the insured suffers an injury that causes a fracture (complete, compound, hairline, simple), the Care Secure plan provides financial support as chosen by the insured to meet the medical expenses.
• Child Education: In case the insured meets an accidental death or permanent disablement, this benefit offers financial assistance (additional amount) for the education of the insured’s dependent children (under 25 years of age).
• Disappearance: If the insured person’s body is missing and presumed dead following an accident for 365 consecutive days, this benefit provides financial compensation to their family after a specified period. If the insured individual returns after the claim settlement, the amount has to be returned to the company. 
• Mobility Cover: Along with accidental death and dismemberment, this plan also covers financial assistance for mobility aids such as wheelchairs, prosthetics, orthopaedic braces, or other durable medical equipment needed due to an accidental injury.
• Burns: This involves financial support for treatment and recovery from severe second-degree or third-degree burns caused by an accident, covering medical expenses and rehabilitation. Care Health Insurance pays its policyholders up to the sum insured as listed in the policy document. 
• Reconstructive Surgery: This covers the costs associated with reconstructive surgery needed due to disfiguring injuries from an accident. However, there are several conditions. Refer to the policy documents for detailed information. 
• Repatriation of Mortal Remains: This covers the expenses involved in transporting the insured’s mortal remains back to their home/city of the last known address in the event of an accidental death occurring away from home.
• Enhance Your basic Coverage with Care Secure Add-ons: Care Secure offers the option to enhance accidental insurance coverage with the Accidental Hospitalisation Expenses add-on. In case an insured has an accident and is hospitalised, this add-on will provide financial coverage for all hospital-related expenses, including nursing costs, room charges, doctor’s fees, blood, anaesthesia, oxygen, operation theatre charges, ICU charges, surgeon fees, and others. However, it is specified up to a certain amount. 

Care Secure: Claim Settlement Process 

When purchasing personal accident insurance, a basic and hassle-free claim procedure is one of the most crucial factors most buyers focus on. With Care Secure, filing a claim is extremely simple. Your claim settlement can be cashless or reimbursement depending on how the treatment was taken. All you need to do is contact Care Health Insurance customer care, who will guide you through. 

You must produce your Care Secure Health Card, fill out an application, and submit the required documents. The documents can be submitted either online or offline. Once the company verifies the claim's authenticity, the  claimed amount will be disbursed. In the case of cashless hospitalisation, the claim is settled directly with the hospital authority.

What Makes Care Secure an Ideal Plan?

As discussed above, investing in the Care Secure plan offers you tremendous benefits, including peace of mind, comprehensive coverage, and financial security. However, if you’re still in a dilemma  finding whether it is the right product for you, here are four major reasons why you may consider investing in this product:

Loyalty Benefit

This includes an additional bonus for long-term policyholders. When the policy year is completed, a flat 5% increase is topped onto the current sum insured on a cumulative basis. However, the bonus shall not exceed 50% of the sum insured. It is payable to the insured only. Yet again, there are certain terms and conditions. 

Minimal Documentation

Many individuals avoid purchasing insurance because they assume that the process is tiresome and requires a lot of documentation. However, you don't have to worry about the paperwork when you invest in the Care Secure plan. The company will grant coverage when you submit your application along with certain necessary details.

Broad Network of Healthcare Facilities and Cashless Hospitalisation 

Gain convenient access to a wide network of cashless medical providers with Care Health Insurance. You can receive top-notch healthcare services that are both convenient and effective, irrespective of the location of the accident. 

No Medical Examinations

Another noteworthy advantage of having personal accident coverage from Care Health Insurance is no pre-policy screening. If you enjoy good overall health, you can enjoy quicker policy issuance without having to undergo medical examinations before granting the policy.

Takeaway! 

In summary, the Care Secure policy is designed to offer comprehensive coverage and exclusive perks. It is important to avoid allowing unanticipated events to disrupt your life and peace of mind. When you go with Care Secure, which is among the best accidental death insurance, you are not just purchasing insurance; rather, you are investing in your life and the lives of those you care about. However, make sure you go through the hidden terms & conditions especially the exclusions before signing up.

>> Also Read: What Disablements Are Covered in Health Insurance Plans?

Disclaimers: All plan features, benefits, coverage, and claims underwriting are subject to policy terms and conditions. Kindly refer to the brochure, sales prospectus, and policy documents carefully.