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In addition to emotional breakdown, accidents also bring unavoidable financial strain. Therefore, having personal accident insurance coverage for accidental injury/ death becomes crucial.
Reasons to Choose Care Health Insurance?
Did you know? According to the Ministry of Road Transport and Highways, road accidents are India's most prevalent type of accident, accounting for 1,68,000+ lives in 2022. Needless to say, countless other types of accidents happen daily!
Life goes on even after unfortunate accidents. While general accident insurance pays out the lump sum amount in one pay, it exposes your family to certain investment risks. Although your spouse/ children might have to face the emotional ordeal, we may certainly make sure they do not have to think of the financial distress with our Secure-personal accident insurance.
Care Health Insurance introduces Secure- Child, Personal Accident Policy that pays a specific amount for the next 100 months in the event of the insured's (earning individual’s) accidental death. Keep scrolling to understand the plan benefits in detail.
Cover Highlights
Mobility-cover
Burn Damage Cover
Domestic Road
Ambulance Cover
Fracture Cover
Permanent Total
Disablement
Loyalty Benefit
Child Education
Permanent Partial
Disablement
| KEY FEATURES | โน30L | โน50L/โน1Cr/โน3Cr | ||
|---|---|---|---|---|
| Accidental Death
info
In the event of the insured's accidental death, the company pays out the sum insured in 100 equal instalments.
|
100% of the Sum Insured | 100% of the Sum Insured | ||
| Permanent Total Disablement (PTD)
info
We pay a pre-defined percentage of the sum insured based on the severity of losing a body part due to an accident.
|
Upto PTD SI as per PTD Table | Upto PTD SI as per PTD Table | ||
| Permanent Total Disablement (PTD) Improvement*
info
Get double sum insured benefit under Permanent Total Disablement claim.
|
Upto PTD SI as per PTD Table | Upto PTD SI as per PTD Table | ||
| Permanent Partial Disablement (PPD)
info
We pay a pre-defined percentage of the sum insured based on the severity of losing a body part due to an accident. For details, please see the 'Plan Details' tab.
|
Upto PPD SI as per PPD Table | Upto PPD SI as per PPD Table | ||
| Permanent Partial Disablement (PPD) Improvement*
info
Get double sum insured benefits under Permanent Partial Disablement claim.
|
Upto PPD SI as per PPD Table | Upto PPD SI as per PPD Table | ||
| Fractures
info
Get compensated for fractures and burns due to surgery, as advised by your medical practitioner in case of an accident.
|
Upto Rs. 1L as per Fracture Table | Upto Rs. 2L as per Fracture Table | ||
| Temporary Total Disablement Plus*
info
Get weekly compensation maximum of up to 100 weeks in case of temporary total disablement
|
1% of SI per week, maximum 100 weeks, maximum up to 50 lac | |||
| Child Education
info
In the event of an accident resulting in the insured's demise or PTD, we'll take care of his child's education, ensuring that their future is not compromised.
|
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 worry.
|
Up to โน 15,000 | Up to โน 25,000 | ||
| Disappearance
info
In the event of an accidental disappearance (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.
|
100% of SI | |||
| Mobility Cover
info
If an injury causes PTD and requires the use of prosthetic devices, such as artificial arms, legs, or eyes, orthopaedic braces, or medical equipment, such as wheelchairs or hospital beds, we will reimburse the expenses for these.
|
Up to โน 15,000 | Up to โน 25,000 | ||
| Burns
info
Get compensated for fractures and burns pertaining to surgery, as advised by your medical practitioner in case of an accident.
|
Sub-limit of Rs. 10,00,000 (As per Burns Table) | Sub-limit of Rs. 20,00,000 (As per Burns Table) | ||
| Domestic Road Ambulance
info
We offer coverage if the insured is required to be taken to the hospital by road ambulance. The coverage is subject to a doctor's written advice.
|
NA | Up to โน 5,000 | ||
| Nursing Care
info
If nursing care is required due to an accidental injury, we offer coverage as per standard terms.
|
NA | โน 1000 per day, Max 15 days per Claim | ||
| Reconstructive Surgery
info
If reconstructive surgery is medically necessitated, then we offer standard coverage as per policy terms.
|
NA | Up to โน 10,00,000 | ||
| Repatriation of Mortal Remains
info
In case repatriation of mortal remains is required within India, the policy offers standard coverage.
|
NA | Lower of 2% of the SI or โน 1L. | ||
| Loyalty Benefit
info
On Renewal, we will increase your SI by 5% every year, maximum up to 50%. No effect of claim on loyalty benefit.
|
5% of the SI every renewal; Max. Up to 50% of the Sum Insured. The Loyalty benefit will increase coverage amount for Accidental Death, PTD and PPD. | |||
| Accidental Hospitalisation Expenses*
info
In case of Hospitalisation due to an accident, you can claim the expenses incurred on hospitalisation up to a specified amount.
|
โน 3,00,000 | โน 5,00,000 | ||
| Protection Benefit*
info
A discount is offered on the premium under this benefit.
|
Applicable Sum Insured is payable in equated periodic amount to the nominee in case of death of a primary insured person for a period of 100 months. When opting for this benefit, a discount on the premium will be available to the insured. | |||
Product Benefits
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Customer Information Sheet
Prospectus
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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.
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Year*
74.5 Lakh+ Claims Settled**
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CASHLESS HEALTHCARE PROVIDERS^^
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.
The minimum entry age for purchasing personal accident insurance coverage is 18, and the maximum age is 70.
You must purchase Secure-Child personal accident insurance for the earning members of your family, as you can nominate your spouse and child as policy beneficiaries.
You can claim from your policy immediately after the policy’s issuance, provided that the unforeseen event happens after the policy's inception.
Product Benefits
Brochure
Customer Information Sheet
Prospectus
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*Disclaimer: 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 Dec 2025
**Number of Claims Settled as of Dec 2025
~~10% discount is applicable for a 3-year policy
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