Personal Accident Insurance – Secure

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, there is a variety of other factors as well that 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.

Why is it Important to Buy a 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 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 Religare 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 owning a 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

For more details, kindly refer to our health insurance policy's detailed exclusion list.

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, in case of any queries, our claim team will reach for further clarification. 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 beneficiaries are chosen by the policyholder to receive a fixed amount as a lump sum upon the death of the policyholder. Unlike term insurance, life insurance plans also offer maturity benefits.

However, personal accident insurance plans are specifically designed insurance plans 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.