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An unforeseen accident can leave you devastated more than just medically! Personal accident insurance becomes a helping hand in such times.
The accident is one such word that itself means something that is an unfortunate incident that happens unexpectedly and unintentionally, typically resulting in damage or injury. It does get scary to even think about meeting an accident and not having sufficient financial backup to get treatment. The accident can happen anywhere, anytime, that may result in minor or major injuries.
Any such uncertainty may lead to a financial crunch resulting in stress and anxiety. Therefore, it is always recommended to purchase an accidental insurance policy. An adequate accidental insurance policy safeguards you financially and stands by you in times of any urgency. It assists you and your family against bodily injuries, disability and accidental death. You will be able to reap its benefits in case of an accident while travelling by aeroplane, train or road.
With the number of vehicles increasing on the roads and rash driving being at its prime, ensuring safety on the streets is a big challenge. Such unavoidable circumstances can lead to serious injuries and sometimes death as well. To safeguard against the financial losses due to such unforeseen events becomes essential. This is when personal accident insurance kicks in. It offers coverage in the following cases:
Depending on the plan you choose, the premium costs and the amount of sum insured would vary. Also, various other factors play an important role in determining the premium you will have to pay for personal accident insurance, such as coverage for burns, reconstructive surgery ambulance allowance, child education benefit, optional covers, etc.
At Care Health Insurance, we believe that health and happiness go hand-in-hand. That's why we bring you Secure- A Personal Accident Insurance that directly addresses the concern, which can arise as a result of a serious accident.
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Many of our life experiences teach us how unpredictable situations can be. Accidents can occur anytime and anywhere, and cause physical, emotional, and financial damages. A personal accident can bring stressful moments for a family, including financial difficulties. Hence, it is advisable to choose a Personal Accident Insurance Plan to deal with such uncertainties. Such health insurance plans minimise the impact on one’s savings by providing financial compensation, including coverage for injuries, medical treatment, and even death.
Buying personal accident insurance online involves a few simple steps. Visit the official website of Care Health Insurance and opt for the personal accident insurance plan. You must provide your basic details and choose the preferred sum insured. Finally, proceed to pay the premium amount through any of the given payment options.
Personal Accident Insurance offers the following coverage:
* Optional covers are available on payment of additional premium
Personal accident insurance offers a range of benefits, such as:
You can apply for reimbursement of your expenses by simply notifying us. You can call us directly; send us the specified documents over a mail. Your claim will be processed and reimbursed; however, our claim team will reach for further clarification in case of any queries. We deliver our promise. We offer hassle-free and speedy settlements.
Life insurance plans offer insurance coverage wherein the policyholder chooses the beneficiaries to receive a fixed amount as a lump sum upon the policyholder’s death. Unlike term insurance, life insurance plans also offer maturity benefits.
However, personal accident insurance plans are specifically designed for covering accident-related losses, including the death of the policyholder as a result of the accident. Also, these plans offer cover for hospitalization, disablement, reconstructive surgery, ambulance costs, etc.
A personal accident policy is important to protect your family during unforeseen circumstances like accidents. In the event of hospitalisation due to injuries, treatment for disablement, or even death of the policyholder, the beneficiaries of personal accident policy will receive the specified coverage amount and thus can lead a life without any financial difficulty.
The minimum entry age for availing the personal accident insurance cover is 18 Years. And the maximum age is 70 years
You can buy PA cover for your family in case you have purchased a PA policy for yourself. In case your spouse or your children are not earning, then you can propose PA cover for an amount 50% of your PA eligibility and 25% of your eligibility in case of your child.
Yes, you can claim from your policy immediately after the policy is issuance, provided that the unforeseen even has happened after the issuance of the policy
You have to apply for a reimbursement claim wherein the insurer reimburses your expenses, subject to policy terms and conditions. The documents required include:
The minimum entry age is 18 Years, whereas the maximum age for entry is 70 years for adults
Several health insurance policies offer coverage for accident-related expenses, including emergency hospitalisation. However, having a separate personal accident insurance cover is a must as there are a lot of associated benefits. Such plans are designed to provide coverage to accident-related expenses. They prove to be better than health insurance policies by offering defined covers and features that are not there in health insurance policies.
Care Health Insurance offers 'Secure,' which is a comprehensive Personal Accident Insurance policy. The insurer ensures a seamless claim settlement procedure and provides timely assistance to the policyholders. The personal accident insurance policy comes with various features and a range of sum insured options from Rs 10 Lakh to Rs 25 Crore.
Disclaimer : Information above is just for reference. Kindly read T & C of policy thoroughly, Do refer IRDAI guidelines for tax exemption conditions.
#Source: IBAI Claims Handbook for FY 19-20
^^Number of Cashless Healthcare Providers till 25th March 2022
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