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Protect yourself and your loved ones from the financial impact of accidents. Personal Accident Insurance covers fractures, burns, disability, and other serious injuries, helping you stay financially secure during life’s most challenging moments.
Reasons to Choose Care Health Insurance?
Loyalty Bonus
Loss of Income Coverage
Fracture Coverage
200% Coverage of PTD, PPD & TP
Personal accident insurance helps you and your family stay financially prepared if an accident leads to injury, disability or accidental death. Depending on the plan, it provides coverage for permanent or temporary disability, fractures, burns, hospitalisation and other eligible accident-related expenses.
Personal accident insurance provides financial protection against accidental injuries, permanent or temporary disabilities, and accidental death. It reduces the financial burden of medical expenses and safeguards loved ones from hefty medical bills.
At Care Health Insurance, our Secure Child and Secure Plus plans provide comprehensive accident cover with sum insured options up to โน3 crore and โน1 crore, respectively, covering accidental death, disability, and severe injuries.
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
According to the Road Accidents in India 2023 report:
These rising numbers highlight the urgent need for personal accident protection.
Here are some of the reasons why one must invest in personal accident insurance coverage plans:
Financial Protection from Accidents & Injuries
Accidents such as fractures, burns, or serious injuries can quickly drain your savings. Our Secure plans safeguard you against unexpected medical and recovery-related expenses.
Financial Security for Your Family
In the event of accidental death or disability, your family needs financial support, not just emotional strength. A personal accident policy ensures their financial well-being.
Essential for High-Risk Occupations
People working in hazardous environments such as manufacturing, mining, or construction face higher accident risks. Personal accident insurance provides crucial protection against workplace-related incidents.
Support for Disability-Related Expenses
Temporary or permanent disability can disrupt your income and lifestyle. A high-value accident cover ensures continued treatment without financial stress.
Enhanced Protection with Add-ons
Along with core accident coverage, optional benefits such as accidental hospitalisation, daily allowance, and OPD cover strengthen your policy when you need it most.
Personal Accident Insurance protects your income from accidents, Life Insurance secures your family’s future, and Health Insurance pays for your medical treatment.
| Feature | Personal Accident | Life Insurance | Health Insurance |
|---|---|---|---|
| Covers | Accidental death & disability | Death (natural or accidental) | Medical expenses |
| When it pays | Only after an accident | On death of insured | Upon hospitalisation |
| Medical bills | Limited / optional | โ Not covered | โ Covered |
| Payout type | Reimbursement | Reimbursement | Cashless / reimbursement |
| Purpose | Income, accident protection & family security | Family security | Treatment of high medical expenses |
Care Health Insurance offers two dedicated personal accident plans- Secure Child and Secure Plus, designed for comprehensive protection with flexible sum insured options, disability benefits, fracture and burn cover, mobility support, and loyalty benefits.
| Coverage | Secure Child Plan | Secure Plus Plan |
|---|---|---|
| Sum Insured Options | โน30 Lakh, โน50 Lakh, โน1 Cr, โน3 Cr | โน30 Lakh, โน50 Lakh, โน1 Cr |
| Accidental Death | 100% of Sum Insured | 100% of Sum Insured |
| Permanent Total Disablement (PTD) | Up to Sum Insured^ | Up to PTD Sum Insured (as per PTD Table) |
| PTD Improvement | — | Additional amount up to PTD SI (as per PTD Table) |
| Permanent Partial Disablement (PPD) | Up to Sum Insured^ | Up to PPD Sum Insured (as per PPD Table) |
| PPD Improvement | — | Additional amount up to PPD SI (as per PPD Table) |
| Temporary Total Disablement (TTD) | Weekly cover up to 1% of SI (max โน50L) | Up to 1% of SI (max limit as per policy) |
| Fractures | Up to โน1,00,000^ (as per injury) | Up to โน2,00,000 (as per % specified) |
| Burns | Up to โน1,00,000^ | Up to โน20,00,000 (as per % specified) |
| Child Education Benefit | 10% of Sum Insured | 10% of Sum Insured |
| Major Diagnostic Tests | Up to โน15,000 – โน25,000 (based on SI) | Up to โน15,000 (โน30L plan) / โน25,000 (higher SI) |
| Disappearance | 100% of Sum Insured | 100% of Sum Insured |
| Mobility Cover | Up to โน1,50,000 – โน2,00,000 | Up to โน15,000 (โน30L plan) / โน25,000 (higher SI) |
| Domestic Road Ambulance | Up to โน50,000 | Up to โน5,000 (over and above AD SI) |
| Nursing Care | โน1,000/day, max 15 days per claim | โน1,000/day, max 15 days per claim |
| Reconstructive Surgery | Up to โน10,00,000 | Up to โน10,00,000 (2% of SI or max โน10L) |
| Repatriation of Mortal Remains | Not Covered | 2% of SI, max โน1,00,000 |
| Loyalty Benefit | 5% increase per policy year, up to 50% of SI | 5% increase per policy year, up to 50% of SI |
| Accidental Hospitalisation Expenses~ | Not Covered | Up to 10% of AD SI (max โน3L-โน5L) |
| Fracture/Burn Improvement (Enhanced Benefits) | Not Applicable | Enhanced limits as per % specified |
| Overall Coverage Type | Core protection for child safety | Enhanced protection with additional improvements and hospitalisation cover |
Note: ^Coverage varies based on the nature and severity of injury as specified in the policy schedule.
Please refer to the policy terms & conditions to get details on coverage benefits.
~The Accidental Hospitalisation, PTD Improvement, and PPD Improvement are mandatory add-ons under Secure Plus.
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:
Enhance your coverage with optional add-ons-
The following events are not covered under Personal Accident Health Insurance Policy:
| Category | Terms |
|---|---|
| Minimum Entry Age | 18 year |
| Maximum Entry Age | 64 years |
| Renewal | Lifelong |
| Nominee | Child/ Spouse/ Guardian |
| Tenure | 5 years |
Note: Policy issuance is subject to the underwriting review and approval.
You can opt for the Care Health Personal Accident Insurance Plan by following these steps:
Step 1: Scroll at the top of the page and enter your number. Click on Calculate Premium.
Step 2: Enter your age, pincode, annual income, and job type. Click on View Quote.
Step 3: Choose the SI, you will get your premium and Click on Buy Now.
Step 4: Confirm proposer details and make the payment.
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: Submit the pre-authorisation form at the hospital. Step 2: Receive approval from the claims team. Step 3: Respond to any queries during claim processing. Step 4: File a reimbursement claim request if your cashless claim request is denied. |
Step 1: Submit the claim form and required documents. Step 2: Claims team verifies and processes the request. Step 3: Approval or rejection is communicated with reasons. |
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:
For all your healthcare and medical coverage needs, you can opt for our 1 Crore Health Insurance Plan
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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
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