Save tax up to ₹75,000~ u/s 80D
Safeguard yourself and your loved ones against unexpected medical expenses that come with accidents. Get coverage for fractures, burns, disability and other severe injuries, ensuring financial stability and peace of mind during your life’s toughest moments.
Reasons to Choose Care Health Insurance?
Loyalty Bonus
Loss of Income Coverage
Fracture Coverage
200% Coverage of PTD, PPD & TP
Personal accident insurance provides financial protection against unpredictable mishaps such as accidental injuries, disabilities, and accidental death. It helps in reducing the financial burden caused by such events and safeguards loved ones from hefty medical bills.
Whether you’re looking for personal accident insurance cover for yourself or your loved ones, it’s important to understand the policy features, benefits, and coverage before investing. At Care Health Insurance, we offer comprehensive coverage under the Care Secure plan that covers accidental death, disability and severe injuries up to SI 3 cr.
At Care Health Insurance, we offer multiple health plans catering to the diverse needs of the individuals. You can choose from some of our best-selling health insurance plans:
Exclusive Accidental Insurance Policy with Death Compensation
Health insurance for domestic and global coverage up to 6 crore
Ideal for families looking for capless coverage
Here are the key stats on accidents in India:
Here are some of the reasons why one must invest in personal accident insurance coverage plans:
Financial Protection from Accidents & Injuries
Unexpected incidents like fractures, burns, accidents, etc., can drain all your savings in no time. Care Health Insurance ‘Secure’ plan protects you from financial losses due to accidents, injuries, and disability.
Lifetime Security for Family Members
More than emotional support, your family needs financial backing to get through the unfortunate times of accident, death, or disability. A premium accident cover promises financial security to your loved ones.
Essential for People at Hazardous Workplaces
People working in dangerous industries like mining, production, etc., must protect their families with a personal accident insurance scheme to ensure coverage against workplace hazards.
Lowers Disability Treatment Expenses
Whether permanent or partial, disabilities can turn your life upside down, burdening you with treatment costs. A high-value personal accident plan ensures that you can continue treatment without financial stress or burden.
Enhanced Coverage with Add-on Benefits
Along with financial protection against accidental injuries, our personal accident insurance comes with useful additional benefits, including accidental hospitalisation, daily allowance, and OPD cover.
The table below shows the features of a personal accident insurance plan offered by Care Health Insurance:
| Key Features | ₹10L | ₹15, 20, 25 & 30L | ₹50L/1/2/3 cr. |
|---|---|---|---|
| Accidental Death | Up to the Sum Insured | Up to the Sum Insured | Up to the Sum Insured |
| Permanent Total Disablement | ✔ | ✔ | ✔ |
| Permanent Total Disablement Improvement | × | ✔ | ✔ |
| Permanent Partial Disablement | ✔ | ✔ | ✔ |
| Permanent Partial Disablement Improvement | × | ✔ | ✔ |
| Fractures | Up to ₹ 50,000 | Up to ₹ 1,00,000 | Up to ₹ 2,00,000 |
| Child Education | × | 10% of Sum insured | 10% of Sum insured |
| Major Diagnosis Tests | × | Up to ₹ 15,000 | Up to ₹ 25,000 |
| Disappearance | × | Sum insured | Sum insured |
| Mobility Cover | × | Up to ₹ 15,000 | Up to ₹ 25,000 |
| Burns | × | Up to ₹ 10,00,000 | Up to ₹ 20,00,000 |
| Repatriation of Mortal Remains | × | × | 2% of SI, Max ₹ 1,00,000 |
| Temporary Total disablement | Up to ₹ 5,000 per week | Up to ₹ 10,000 per week | Up to ₹ 20,000 per week |
| Loyalty Benefit | 5% of Sum Insured | 5% of Sum Insured | 5% of Sum Insured |
| Common Carrier Mishap Cover | × | × | ✔ |
| Mobility Cover | × | Up to ₹ 15,000 | Up to ₹ 25,000 |
| Accidental Hospitalization | Up to ₹ 50,000 | Up to ₹ 50,000 | Up to ₹ 1,00,000 |
The Personal Accident Insurance policy from Care Health Insurance comes with its advantages. Refer to the pictorial representation of the benefits the Personal Accident Insurance offers.
You should check our insurance plans if you want personal medical coverage. Here are some of the benefits of a personal accident insurance policy:
You’re eligible to receive tax deductions on premiums and tax-free claim payouts under a personal accident insurance policy. However, you must consult a tax professional to check your policy details. Let us learn further about the possible personal accident insurance income tax benefits here:
Let us learn further about the possible tax benefits covered under a personal accident policy:
Sometimes unavoidable circumstances can lead to serious injuries or, worst– death. Thus, it is essential to safeguard yourself against financial losses due to such unforeseen events. With sum insured options starting from 10 lakhs and going up to 3 cr, Care Health Insurance Personal Accident Policy offers coverage for following types of accidents:
The following events are not covered under the Secure- Personal Accident Health Insurance Policy:
| Category | Terms |
|---|---|
| Minimum Entry Age | 91 days |
| Maximum Entry Age | Child:24 years, Adult: 70 years |
| Renewal | Lifelong |
| Policy Tenure | 1, 2 and 3 years |
| Grace Period | 30 days |
You can opt for the Care Health Personal Accident Insurance Plan by following these steps:
Step 1
Visit the official website of Care Health Insurance and head to the ‘Secure’ product page from the ‘View All Products’ menu.
Step 2
In the ‘Get Quote’ section, enter your contact number and PIN code to access the quotation form.
Step 3
Share your name, email address, age, and employment status, along with your annual income.
Step 4
Choose the sum insured amount and policy term, and view the premium cost on the page’s left corner.
The cost of personal accident insurance depends on certain factors such as:
Considering the rising medical inflation rate, it is recommended that you assess your requirements. Here are some factors one must know while buying a family personal accident insurance plan:
Under our accidental insurance, if you opt for the basic standard coverage, you can only file a reimbursement claim. However, if you have enhanced your policy with the optional benefit of accidental hospitalisation, you can avail of the cashless claim settlement facility.
Below are the steps involved in both types of claim settlement processes under our accidental insurance:
| Cashless Claim Process | Reimbursement Claim Process |
|---|---|
| Step 1: Fill out the pre-authorization form available at the insurance desk and send it to our claim management team Step 2: You will get an approval letter once your claim is verified Step 3: Make sure to respond to queries from the claim management team Step 4: File a reimbursement claim request in case your cashless claim request doesn't go through. |
Step 1: Submit your claim form along with the required documents Step 2: Get the approval letter from the claim management team Step 3: Respond to queries raised by our claim management team Step 4: In case your claim is rejected, our claims team will contact you and share the reasons of rejection at the earliest. |
You have to apply for a reimbursement claim wherein the insurer reimburses your expenses, subject to policy terms and conditions. Here is the list of documents required to submit to file your claim without any further hassle:
| Document | Details |
|---|---|
| Claim Form | A duly completed and signed claim form should be submitted to the insurer. |
| Indoor Case Papers | A copy of key treatment details provided by the hospital shall be submitted. |
| Hospital Discharge Summary | The hospital discharge summary works as the proof of hospitalisation. |
| Payment Receipts | They are important documents, providing evidence of medical expenses and other costs. |
| Consultation Papers | It proves the timeline of your diagnosis as it becomes significantly more difficult to track, and this can lead to delays or even denial of your claim. |
| Medical Reports | Gives the details of the accident, the nature of the injury, the details of treatment provided, and the admission and death summary accident report. |
| Original Death Certificate | If applicable |
| Disability Certificate | Disability Certificate issued by CMO (Chief Medical Officer) as appointed by the Hospital Authorities, if applicable. |
| Newspaper Cutting | A newspaper cutting about the accident, if available. |
Learning how it differs from a life insurance policy is essential to understand the benefits of a personal accident cover. Here is the representation of differentiating between accidental insurance and life insurance:
| Parameter | Accident Insurance | Life Insurance |
|---|---|---|
| Coverage | Personal accident insurance plans are specifically designed to cover accident-related losses, including death, injury and disability. | Under a life insurance policy both accidental and natural death coverage is offered. |
| Premium | The premiums can be higher considering the risk appetite | Comparatively lower |
| Payout | 1, 2 or 3 years | Usually for long term up to 20/25/30 years |
| Exclusions | Doesn’t cover non-accidental event or death | No coverage for suicidal death and risky activities |
For all your healthcare and medical coverage needs, you can opt for our 1 Crore Health Insurance Plan
Cashless claim settlements are a cornerstone of the modern insurance landscape, offering numerous benefits to policyholders and the industry alike. Irdai in a master circular released on Wednesday alerted all insurance providers...
Read moreHealth insurance premiums are on their way up. A survey of 11,000 owners of personal health insurance policies by LocalCircles found that 52 per cent had witnessed an over 25 per cent increase in their renewal premiums in the past 12 months...
Read moreHealth Insurance for senior citizens: The recent amendments by the Insurance Regulatory and Development Authority of India (IRDAI) regarding health insurance rules are set to benefit senior citizens significantly...
Read moreAs we celebrate Mother’s Day, it is crucial to reflect on the health-related challenges that women face. From reproductive health to mental wellness, our mothers can encounter obstacles that demand attention, care and support...
Read moreCancer Coverage: Ever increasing number of cancer cases in India present a challenging aspect of the nation's healthcare landscape. According to the National Cancer Registry Programme, India recorded about 1.46 million new cases of cancer in 2022....
Read moreA growing number of health insurance customers are nowadays supplementing their base health insurance policies with riders. According to insurance aggregator Policybazaar.com, while only 15 per cent of customers purchased riders...
Read moreLook for hospitals around you
Should You Add Ghee to Your Coffee?
Get the best financial security with Care Health Insurance!
Sales:1800-102-4499
Services: 8860402452
Live Chat
Disclaimer : Information above is just for reference. Kindly read T & C of policy thoroughly, Do refer IRDAI guidelines for tax exemption conditions.
~Tax benefit is subject to changes in tax laws. Standard T&C Apply
**Number of Claims Settled as of december 2024
^^Number of Cashless Healthcare Providers as of Feb 2025
^10% discount is applicable for a 3-year policy
Terms & Conditions of Premium Quote Generation
"Care Health Insurance Ltd & associate partners may contact you to assist you with website navigation of www.careinsurance.com and assist in proposal filling."
