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Care Secure- Personal Accident Insurance

Care Secure - a policy safeguarding an individual financially in case of accidental injuries. It provides coverage for accidental death or other permanent disabilities resulting from an accident.

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Reasons to Choose Care Health Insurance?

  • Healthcare Networks
  • Claim settled ratio
  • Claim settled

Get affordable health coverage with Senior Health Advantage Plan

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Save Upto 10% on Health Insurance Premium~~

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What is Care Secure -Personal Accident Insurance?

At Care Health Insurance, we believe that health and happiness go hand-in-hand. That's why we bring you Secure- A thoughtfully designed Personal Accident Insurance that directly addresses the concern that can arise from a serious accident.

Any such uncertainty may lead to a financial crunch resulting in stress and anxiety. Therefore, it is highly recommended to purchase an accidental insurance policy. An adequate accidental insurance policy safeguards you financially and stands by you in any emergency. It assists you and your family against bodily injuries, disability and accidental death. Such health insurance plans minimise the impact on one’s savings by providing financial compensation, including coverage for injuries, medical treatment, and even death.

Plan Highlights of Care Secure

  • Covers 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.

Cover Highlights

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

Loyalty Benefit

Loyalty Benefit

Child Education

Child Education

Permanent Partial Disablement

Permanent Partial

Benefits of Personal Accident Insurance

See all Sum Insured Options east

KEY FEATURES 10L 15, 20, 25 & 30L 50L
Accidental Death
info 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
info 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.
check check check
Permanent Total Disablement Improvement
info Get double sum insured benefit under Permanent Total Disablement claim.
close check check
Permanent Partial Disablement
info 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.
check check check
Permanent Partial Disablement Improvement
info Get double sum insured benefits under Permanent Partial Disablement claim.
close check check
info 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
info 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.
close 10% of Sum insured 10% of Sum insured
Major Diagnosis Tests
info 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.
close Up to ₹ 15,000 Up to ₹ 25,000
info 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.
close Sum insured Sum insured
Mobility Cover
info 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.
close Up to ₹ 15,000 Up to ₹ 25,000
info Get compensated for fractures and burns pertaining to a surgery, advised by your medical practitioner in case of an accident.
close Up to ₹ 10,00,000 Up to ₹ 20,00,000
Repatriation of Mortal Remains close close 2% of SI, Max ₹ 1,00,000
Temprory Total disablement
info 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
info 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
info 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
close close check
Optional Benefit
Accidental Hospitalization
info 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

Download the Brochure for Secure Complete Plan Details

Download Secure complete plan details

Read Through it!
Get Complete Policy Details in the Brochure With Our Expert Assistance!

Add-ons to cover your specific needs

Accidental Hospitalization


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.

24800+Health Care Providers Serving Cashless Medical Services Across The Globe

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Voice of Customers

Mukund Bajwa December 01, 2023


I am a bike racer, and Cares accident insurance has helped me when i got into a minor accident last time. At ease that i have this plan.
Radhika Awana December 01, 2023

awesome experience

Very nice team to deal with..... They settled my claim for my moms pelvic joint surgery in only 10 days... Now I am planning to get top up for my insurance. And I will not go anywhere else.
Chayan Sachdev December 01, 2023

Excellent people

I have visited local branch for my policy renewal. It was truly wow experience I give 1 star for their teams cooperation and 4 star for their timely response on filing claim that i filed last year.
Abhrokanti Dasgupta December 01, 2023

nice plan features

I was afraid about the sublimits of health insurance. However, accident insurance helped when i needed immediate hospitalisation.
Rahul Sangwan

My appreciation for your prompt service

Recently, I’ve purchased JOY Maternity insurance for my expecting wife and my experience was excellent with the claim settlement team who helped me deal with all the formalities smoothly. Thank you for making my decision the right one!

Rahul Sangwan

Health Insurance

Samanway Barik

We will continue to avail of your scheme

I ported my healthcare plan last year; it is the wisest decision I made by choosing Care Health Insurance. I recently got admitted due to a viral infection, and all my expenses got covered under my plan.

Samanway Barik

Health Insurance

Soubhagya K Kulkarni

Everything went very smooth

Thank you for helping me when I needed help the most, being in the hospital. Buying Care’s health insurance plan is my best decision so far.

Soubhagya K Kulkarni

Health Insurance

Vaibhav Rai

Really helpful explaining the process in advance

Thank you for helping me with your fastest claim settlement process. I didn’t have to wait much for the approval. Everything was quick and seamless.

Vaibhav Rai

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) 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.

Awarded As Claims

Best Health Insurance
Company of the Year*

Total Claims Paid

48 Lakh + Claims Settled**

Cashless Claim


**Number of claims settled as of 30th March 2024     *India Insurance Summit & Awards 2023

FAQs on Personal Accident Insurance

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 the 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 a Personal Accident Insurance policy?

The minimum entry age for availing the personal accident insurance coverage is 18 Years, and the maximum age is 70 years.

Q. Do I need to buy a Secure- personal accident insurance policy for each of my family members?

You can buy SECURE for your family if you have purchased a PA policy for yourself. If your spouse or your children are not earning, then you can propose PA cover for 50% of your PA eligibility and 25% of your eligibility in the case of your child.

Q. When can I claim the benefits after buying Secure- Personal Accident Insurance?

You can claim from your policy immediately after the policy’s issuance, provided that the unforeseen event happened after the policy's inception.

*Please read the policy terms and conditions carefully to verify the benefits and exclusions in detail. 

~Tax benefit is subject to changes in tax laws. Standard T&C Apply

^^Number of Cashless Healthcare Providers as of 31st March 2024
**Number of Claims Settled as of 31st March 2024

~~10% discount is applicable for a 3-year policy


Download the Brochure for Secure Complete Plan Details

Download Secure complete plan details

Read Through it!
Get Complete Policy Details in the Brochure With Our Expert Assistance!

Secure Your Finances Now!

Get the best financial security with Care Health Insurance!


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