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Personal Accident Insurance

Personal Accident Insurance

An unforeseen accident can leave you devastated more than just medically! Personal accident insurance becomes a helping hand in such times.

  • Comprehensive Personal Accident Cover
  • Accidental Death Compensation
  • Permanent Total Disablement
  • Permanent Partial Disablement
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    What is Personal Accident Insurance?

    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.

    Personal Accident Insurance by Care

    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:

    • The death of an insured person due to an accident
    • When the insured person is permanently or /partially disabled due to an accident

     

    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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    Personal Accident Insurance

    Exclusive Accidental Insurance Policy with Death Compensation

    • Total & Partial Permanent Disability Cover
    • Reconstructive Surgery Cover
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    Comprehensive Health Insurance for Individual & Family

    • Annual Health Checkup & Save Tax 
    • Modern Treatments Coverage

    Why is it Important to Buy Personal Accident Insurance?

    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.

    How to Buy Personal Accident Insurance Online?

    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.

    Features of Personal Accident Insurance

    Personal Accident Insurance offers the following coverage:

    • Accidental Death Cover
    • Permanent Total Disablement (PTD)
    • Permanent Partial Disablement (PPD)
    • Cover for injuries like burns and fractures
    • Cover for major diagnostic tests
    • Coverage for charges of domestic road ambulance, repatriation, and funeral expenses
    • Reconstructive Surgery Cover
    • Child Education Cover Mobility Cover
    • Disappearance
    • Optional covers include:
      • Cover for Accidental Hospitalization
      • Permanent Partial Disablement Improvement
      • Permanent Total Disablement Improvement
      • Temporary Total Disablement (TTD)

    * Optional covers are available on payment of additional premium

    Benefits of Personal Accident Insurance Policy

    Personal accident insurance offers a range of benefits, such as:

    • Cover financial loss resulting from the accident and treatment of injuries like burns and fractures
    • Compensation of loss due to Permanent Total Disablement (PTD) and Permanent Partial Disablement (PPD)
    • 100% of the sum insured paid to the family in case of accidental death of the insured person
    • Other benefits like cover for daily allowance, reconstructive surgery, domestic road ambulance, repatriation and funeral expenses, and expenses for education of a dependent child
    • Hassle-free claim procedure

    What is not covered under Personal Accident Insurance Policy?

    • Any self-inflicted injury, suicide or attempted suicide, sexually transmitted conditions, mental or nervous conditions, insanity, disorder, anxiety, stress, or depression
    • The Insured Person flying in an aircraft other than as a fare-paying passenger in a Scheduled Airline
    • The Insured Person engaging in sporting activities in so far as they involve the training for or participation in competitions of professional sports, unless declared beforehand and agreed by the company in writing subject to additional premium being received and incorporated accordingly in the policy
    • An insured person serving in any branch of the military, navy or air-force or any branch of armed Forces or any paramilitary forces
    • Any claim related to Hazardous Activities
    • Persons whilst working within underground mines, explosives, press, activities like racing on wheels or horseback, winter sports, canoeing involving white water rapids, any bodily contact sport
    • Claim arising out of mental illness, stress, psychiatric or psychological disorders

    Procedure to make a Personal Accident Insurance Claim

    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.

    Personal Accident Insurance vs Life Insurance

    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.

    FAQs on Personal Accident Insurance Policy

    Q.Why do I need a Personal Accident Policy?

    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.

    Q.Is there any age limit for opting for Personal Accident Insurance policy?

    The minimum entry age for availing the personal accident insurance cover is 18 Years. And the maximum age is 70 years

    Q. Do I need to buy an individual personal accident insurance policy for each of my family members?

    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.

    Q.When can I Claim for the Benefits after Buying the Accident Insurance Policy?

    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

    Q. What are the documents required for filing a claim?

    You have to apply for a reimbursement claim wherein the insurer reimburses your expenses, subject to policy terms and conditions. The documents required include:

    • Duly completed and signed the claim form
    • Indoor Case Papers
    • Hospital Discharge Summary
    • Payment Receipts
    • Consultation Papers
    • Any other document as required by the company
    • Medical reports giving the details of the accident, nature of the Injury, and the details of treatment provided, Admission and Death Summary, Accident Report
    • Original Death Certificate; if applicable
    • Disability Certificate issued by CMO (Chief Medical Officer) as appointed by the Hospital Authorities; if applicable
    • A newspaper cutting about the accident (if available)

    Q. What is the Eligibility of Personal Accident Insurance?

    The minimum entry age is 18 Years, whereas the maximum age for entry is 70 years for adults

    Q. Are accidents covered by health insurance? Do I need accident insurance if I have a Health Insurance policy?

    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.

    Q.Why Choose Care Health Insurance for Personal Accident Insurance?

    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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