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Every parent plans for their child's future, but are you prepared to protect it when life throws the unexpected? At Care Health Insurance, we're proud to introduce a new plan that does exactly that—Secure Child - Personal Accident Insurance. This comprehensive safety net is designed to protect your child financially in case of life-altering accidents involving the insured parent.
Whether it’s supporting a child’s education, covering rehabilitation costs, or offering income replacement, this plan ensures your child’s dreams stay secure—even if you’re not around to provide for them. So, let’s explore how this plan offers complete peace of mind.
What is a Secure Child Personal Accident Insurance?
Secure-Child Personal Accident Insurance is a unique plan. If the insured person dies in an accident, the nominee will receive a fixed monthly amount for 100 months. Additionally, it provides financial protection in case of accidental injuries, hospitalisation, disability, or even death due to unforeseen events. This can keep the family safe from economic problems and investment risks that arise if they get a large payment all at once.
This plan differs from general family health insurance coverage by focusing on accidents and their impact on your child's health and finances. It's more than just monetary reimbursement; it's a safety net to ensure your child receives excellent care without draining your savings.
Why Should You Buy a Secure Child Policy?
India's roads are among the most accident-prone in the world. In 2022, over 1,68,000 lives were shattered due to road accidents. These aren’t just numbers — they represent families disrupted, children left behind, dreams paused. That's why it's time to stop only planning your child’s future and start protecting it by purchasing Secure Child.
What is Covered Under This Plan?
The Secure Child Personal Accident Plan offers fixed monthly payouts and extensive benefits for various accident-related contingencies involving the insured individual (parent). Here’s what makes this plan a must-have:
Fixed Monthly Income for 100 Months
In the event of the insured person's accidental death or disappearance, their child or spouse (the nominee) will receive a regular monthly payment for 100 months. This payout is designed to help with everyday costs, education, and future planning. The coverage options include:
| Sum Insured | Monthly Income (for 100 months) |
|---|---|
| ₹30,00,000 | ₹30,000/month |
| ₹50,00,000 | ₹50,000/month |
| ₹1,00,00,000 | ₹1,00,000/month |
| ₹3,00,00,000 | ₹3,00,000/month |
Imagine your child receiving a ₹3 lakh monthly income for over 8 years—enough to fund school, graduation, and post-graduate studies.
Permanent Total Disablement (PTD)
If the insured experiences total disability, such as loss of limb, vision, or complete body paralysis, they will receive up to 100% of the insured amount. They will also receive additional benefits up to 100% of that amount to assist in coping with their condition.
Permanent Partial Disablement (PPD)
For partial disability (like loss of fingers, toes, or hearing), the policy pays up to 200% of the SI based on severity under the PPD and PPD Improvement benefits.
Temporary Total Disablement (TTD Plus)
Suppose an accident results in temporary immobility, leading the insured member to be bedridden. In that case, the insurer will provide 1% of the sum insured per week for a maximum of 100 weeks, with a maximum payout of ₹50 lakhs. This benefit helps cover the cost of ongoing care and support received at home.
Other Policy Benefits You Cannot Miss
Secure Child Protect goes beyond traditional coverage. It includes a host of value-added benefits. The coverage is defined based on your monthly fixed income. Refer to the table below for a detailed understanding of how the plan benefits work:
| Feature | ₹30,000 | ₹50,000/ ₹1,00,000/ ₹3,00,000 |
|---|---|---|
| Child Education Benefit | 10% of Sum Insured | 10% of Sum Insured |
| Fracture Cover | Up to ₹1 lakh | Up to ₹2 lakh |
| Burns Cover | Up to ₹10 lakh | Up to ₹20 lakh |
| Major Diagnostic Tests | Up to ₹15,000 | Up to ₹25,000 |
| Mobility Cover | Up to ₹15,000 | Up to ₹25,000 |
| Ambulance Charges | Not Covered | Up to ₹5,000 |
| Nursing Care | Not Covered | ₹1,000/day (max 15 days) |
| Reconstructive Surgery | Not Covered | Up to ₹10 lakh |
| Repatriation of Remains | Not Covered | 2% of SI or ₹1 lakh |
| Accidental Hospitalisation | Up to ₹3 lakh | Up to ₹5 lakh |
| Loyalty Benefit | 5% of SI each year | Max 50% of SI over time |
These benefits are over and above the base Sum Insured, ensuring that your child’s life goals and recovery journeys are never compromised.
Other Benefits of Secure Child-You Must Know
The insured can enhance their child’s protection with additional benefits, such as:
Child Education Benefit
In case of accidental death or PTD, 10% of the Sum Insured is provided separately to support the child’s education. This is in addition to the monthly income benefit.
Reconstructive Surgery
If an accident leads to disfigurement, the cost of medically advised surgeries (within 30 days of the accident) is covered, restoring physical function and emotional confidence.
Nursing Care at Home
Up to 15 days of professional nursing care at home post-hospitalisation, aiding smoother recovery — especially beneficial for children and elderly caregivers.
Exclusions – What’s Not Covered
While the policy offers robust protection, there are some standard exclusions:
- Injuries due to participation in illegal or hazardous activities
- Self-inflicted injuries or attempted suicide
- Pre-existing disabilities or conditions
- Injuries while under the influence of alcohol or drugs (for the eligible age group)
- War, nuclear risks, or natural disasters
Please see the policy brochure for a full list of exclusions.
Real Impact: Let’s Illustrate
Let’s understand the policy using a real-life scenario:
Scenario: A 35-year-old parent buys a ₹3 crore policy.
Tragically, an accident occurs, leading to the accidental death of the insured member. Their child, aged 8, will now receive:
- ₹3 lakh/month for 100 months
- ₹30 lakh child education benefit
- Full hospitalisation and recovery support
- No compromise in schooling, food, or care
This is what it means to protect your child’s future—not just plan for it.
Secure Child Plan: Eligibility Criteria
Before purchasing the Secure Child plan, ensure that you fulfil the insurer’s eligibility criteria. Here is the checklist:
| Parameter | Eligibility |
|---|---|
| Minimum Entry Age | 18 years |
| Maximum Entry Age | 64 years |
| Renewal | Lifelong |
| Relationship Covered | Self (Parent/Proposer only) |
| Nominee | Spouse/ Child |
| Cover Type | Individual |
| Policy Term | 5 Years |
Final Thoughts: Why This Insurance Matters
Secure Child Personal Accident Insurance by Care Health Insurance is more than just a policy—it’s a promise. A promise that an unpredictable tragedy won’t shake your child’s future. From education and daily expenses to health recovery and hospitalisation, this plan ensures comprehensive and consistent financial support when your child needs it the most.
Disclaimer: 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.
