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Personal Accident Insurance – Secure

  • Comprehensive Personal Accident Cover
  • Accidental Death Compensation
  • Permanent Total Disablement
  • Permanent Partial Disablement
15500+

Cashless Healthcare Providers

95.2%

Insurance Claim
Settlement Ratio#

247

Claim
Support

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7.5% OFF

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(Premium includes 18% GST)

To purchase this policy, kindly visit our nearest branch

KEY BENEFITS

ADDITIONAL COVERS

NO CLAIM BONUS

Policy Sum Insured increases by 10% for every claim free year. The maximum increase allowed is 50% of policy Sum Insured.

ANNUAL HEALTH CHECKUP

Annual Health Check-Up for all insured members are covered in the policy

AMBULANCE COVER

Certain amount per hospitaliztion payable if advised by treating medical practioner.

LIFELONG RENEWABILITY

We like to stay with you all the way. Our option of life long renewability helps yau stay covered for life, provided your policy is renewed on time every year.

ACCIDENTAL HOSPITALIZATION

This optional cover provides coverage for the following 3 sub-benefits:

  • Hospitalization Expenses
  • Daily Allowance
  • Compassionate Visit

Premium Benefits Of Secure

Secure plan highlights

Mobility Cover

Mobility-cover

Burn Damage Cover

Burn Damage Cover

Domestic Road Ambulance Cover

Domestic Road
Ambulance Cover

Fracture Cover

Fracture Cover

Permanent Total Disablement

Permanent Total
Disablement

Loyalty Benefit

Loyalty Benefit

Child Education

Child Education

Permanent Partial Disablement

Permanent Partial
Disablement

Benefits of Personal Accident Insurance close
  10 Lacs 15, 20, 25 & 30 Lacs 50 Lacs
Accidental Death
In case of a tragic loss, we provide for financial support to the family by paying the sum insured to the nominated family member.
Sum Insured Sum Insured Sum Insured
Permanent Total Disablement
Based on severity of loss of body part due to accident, we also pay a pre-defined percentage of the sum insured. For details, please see 'Plan Details' tab.
tick-mark tick-mark tick-mark
Permanent Total Disablement Improvement
Get double sum insured benefit under Permanent Total Disablement claim.
No tick-mark tick-mark
Permanent Partial Disablement
Based on severity of loss of body part due to accident, we also pay a pre-defined percentage of the sum insured. For details, please see 'Plan Details' tab.
tick-mark tick-mark tick-mark
Permanent Partial Disablement Improvement
Get double sum insured benefits under Permanent Partial Disablement claim.
No tick-mark tick-mark
Fractures
Get compensated for fractures and burns pertaining to a surgery, advised by your medical practitioner in case of an accident.
Up to ₹ 50,000 Up to ₹ 1,00,000 Up to ₹ 2,00,000
Child Education
In the event of an accident resulting in insured's demise or PTD, we'll take care of his child's education ensuring that their future is not compromised.
No 10% of Sum insured 10% of Sum insured
Major Diagnosis Tests
In case injuries caused by an accident require one to undertake any diagnostic tests such as CT scan, MRI, etc. as advised by a medical practitioner, you can do so without a worry.
No Up to ₹ 15,000 Up to ₹ 25,000
Disappearance
In the event that an accident leaves the insured missing (forced landing, stranding, sinking, wrecking, etc.) for more than 1 year and the insured's demise has been reasonably established, we will pay the sum insured to the nominee.
No Sum insured Sum insured
Mobility Cover
If an injury causes PTD and requires one to use prosthetic devices like artificial arms, legs or eyes, orthopedic braces and medical equipment like wheelchairs or hospital beds, we will reimburse the expenses towards these.
No Up to ₹ 15,000 Up to ₹ 25,000
Burns
Get compensated for fractures and burns pertaining to a surgery, advised by your medical practitioner in case of an accident.
No Up to ₹ 10,00,000 Up to ₹ 20,00,000
Repatriation of Mortal Remains No No 2% of SI, Max ₹ 1,00,000
Temprory Total disablement
Get weekly compensation maximum upto 100 weeks in case of temporary total disablement
Up to ₹ 5,000 per week Up to ₹ 10,000 per week Up to ₹ 20,000 per week
Loyality
On Renewal , we will increase your SI by 5% every year maximum upto 50%. No effect of claim on loyalty benefit.
5% of Sum Insured 5% of Sum Insured 5% of Sum Insured
Common Carrier Mishap Cover
Get additional upto 100% of sum insured benefit in case of accidental death or Permanent Total Disablement due to travelling in common carrier like train,flight etc
No No tick-mark
Optional Benefit
Accidental Hospitalization
In case of Hospitalization due to accident ,claim the expenses incurred on hospitalization upto specified amount.
Up to ₹ 50,000 Up to ₹ 50,000 Up to ₹ 1,00,000
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Secure complete plan details

Add-ons to cover your specific needs

This optional cover provides coverage for the following 3 sub-benefits:

  • Hospitalization Expenses
  • Daily Allowance
  • Compassionate Visit

Personal Accident Insurance Plan Details

  • Entry age - Minimum 91 days

  • Entry age - Maximum Adult 70 years and Child 24 years

  • Lifelong Renewability

  • Policy Issuance Policy issuance is subject to the underwriting review and approval

Download Terms & Conditions
  • Any pre-existing injury or physical condition.

  • Any intentional 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 recieved and incorporated accordingly in the Policy.

  • 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 with in 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 psycho logical disorders.

Please refer to policy TnC for detail exclusion

In case of accidental hospitalisation, all you have to do is present the Care Health Card at our network of more than 8350+ leading hospitals pan India and avail cashless service. As an alternate, you can also file for reimbursement of expenses

In case of all other claims, reimburse your expenses by simply notifying us. call us directly, send us the specified documents and we'll process your claims

Since you interact directly with us, we can be doubly sure that you are satisfied. And when you are satisfied, we feel satisfied too.

We deliver on our promise. We take pride in offering hassle-free clearance and speedy settlements.

Voice of Our Customer

Mehtaab Singh

review I bought Personal Accident Insurance and received coverage for Permanent Partial Disablement when I met with an accident—highly recommended it to my peers.

Suraj Khurana

review Hospitalization expenses arising out of a road accident could be unbearable for anyone. I am glad that I bought the Care's Personal Accident Insurance. Thanks for all the insurance benefits offered.

Suman Varshney

review Care's Personal Accident Insurance plan is the best one to get cover for injuries and fractures resulting from an accident. I got the treatment I needed and had no worries about the bills.

Arpit Chaurasia

review Buying Personal accident insurance from Care Health Insurance was the right decision I made. I got the reconstruction surgery covered under it. Value for money!

Atul Yadav

review I believe in Care Health insurance as my insurance partner. Bought a personal accident policy under which their team helped me get the necessary treatment. The best insurance company for me!
Ankita Sharma

My appreciation for your prompt service

At the outset I would like to express my appreciation for your prompt service in taking up the case regarding my claim. I have received your intimation regarding the acceptance of my claim and had a minor query as to what is the claim amount settled by you. Thank you. View more

Ankita Sharma

Health Insurance

Indubala Nambiar

We will continue to avail of your scheme.

Thank you for settling the claim amount. Kindly inform me when the amount is remitted to the credit of my bank account with the Bank of Baroda. We will continue to avail of your scheme when we travel abroad. View more

Indubala Nambiar

Health Insurance

Vikas Singh

Everything went very smooth

I would like to pass on my appreciation for Virender who guided me during the difficult time. He helped me at every stage and didn’t keep me waiting. Due to his efforts, I was relaxed and everything went very smooth while my wife was recovering from typhoid. Thanks Virender you are a star! View more

Vikas Singh

Health Insurance

Sahil Khattar

Really helpful explaining the process in advance

I just wanted to thank you for the exceptional response from you on the recent cashless reimbursement request related to my mother’s operation. You were really helpful explaining the process in advance before the treatment and also during the final settlement. View more

Sahil Khattar

Health Insurance

Aditya Sharma

Finalising my claim in a short period

I must express my profound appreciation for finalising my claim in a short period. I have heard of insurance companies with holding payment or rejecting it outright on very flimsy grounds as they are averse to parting with their money. It was not the case with Care health insurance. Thank you, may your tribe grow. View more

Aditya Sharma

Health Insurance

Zeroing in on a health insurance plan for your family is a tricky choice, given the number of insurers in the market who offer similar policies. It is not wise to simply choose the policy with the lowest amount of premium. You need to compare different policies, their features and benefits. Care Health Insurance (CHI) (formerly known as Religare Health Insurance Company Limited) is a specialist Health Insurer and offers products keeping in mind the needs of a customer in the event of a medical exigency. CHI offers a distinct set of benefits giving a clear choice for providing you with the best possible health insurance.

whyreligare

Awarded as Claims
Leader of the year

whyreligare

7 Lakh+ Total claims paid

whyreligare

Cashless claim approval
in approx. 2 hours

What is Personal Accident Insurance?

Personal Accident Insurance is an insurance cover provided by an insurer to an individual in case of an accident. With accident insurance, one is eligible for financial support in case of injury and financial compensation in case of permanent or partial disability or death due to accident.

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.

FAQs on Personal Accident Insurance Policy

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Most Frequently Asked Questions

Popular Questions

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

Secure complete plan details

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