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Secure Child - Personal Accident Insurance

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?

  • 21700+ CASHLESS HEALTHCARE PROVIDERS^^
  • 58 Lakh+INSURANCE CLAIMS SETTLED**
  • 24*7CLAIM AND CUSTOMER SUPPORT

Don't Just Plan Your Child's Future, Secure It!

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Get upto 200% for permanent total disablement~~
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What is Secure-Child Personal Accident 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.

Plan Highlights of Secure-Child Personal Accident Insurance

  • Pays out the insured sum for the next 100 months in the event of accidental death of the insured.
  • Offers 1% of the Sum Insured for up to 100 weeks (max. Up to 50 lacs) if the insured is temporarily disabled and cannot work due to an accident.
  • 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).
  • Other benefits include child education, coverage in case of disappearance, burns, reconstructive surgery, domestic road ambulance, repatriation and funeral expenses

Cover 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

See all Sum Insured Options east

KEY FEATURES 30L 50L/1Cr/3Cr
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 ₹ 15,000 Up to ₹ 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 ₹ 15,000 Up to ₹ 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 ₹ 5,000
Nursing Care
info If nursing care is required due to an accidental injury, we offer coverage as per standard terms.
NA ₹ 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 ₹ 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 ₹ 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.
₹ 3,00,000 ₹ 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.
*Please refer to the policy terms & conditions to get details on coverage benefits.
Brochure

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Policy Terms Under Secure-Child Personal Accident Insurance

  • Entry age: Minimum 91 days
  • Entry age: Maximum Adult 70 years and Child 24 years
  • Relationship Covered: Self
  • Nominee: Child/Spouse/ Guardian
  • Lifelong Renewability
  • 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 is flying in an aircraft other than as a fare-paying passenger in a scheduled airline.
  • Expenses incurred due to engaging in hazardous activities.
  • Insured Person serving in any branch of the military, navy or air force or any branch of the armed Forces or any paramilitary forces.
  • Persons working in underground mines, explosives, press, activities like racing on wheels or horseback, winter sports, canoeing involving whitewater rapids, or any bodily contact sport.
  • Claim arising out of mental illness, stress, psychiatric or psychological 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 11400+ leading hospitals PAN India and avail cashless service. As an alternative, you can also file for reimbursement of expenses post-discharge.

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.

21700+ Healthcare providers offering cashless treatment across the country

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Voice of Customers

MB
Mukund Bajwa December 01, 2023
Secure
5

Appreciations

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.
RA
Radhika Awana December 01, 2023
Secure
5

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.
CS
Chayan Sachdev December 01, 2023
Secure
5

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.
AD
Abhrokanti Dasgupta December 01, 2023
Secure
5

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

58 Lakh+ Claims Settled**

Cashless Claim

21700+
CASHLESS HEALTHCARE PROVIDERS^^

**Number of claims settled as of Dec 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 purchasing personal accident insurance coverage is 18, and the maximum age is 70.

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

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.

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

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

Brochure

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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*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 Feb 2025

**Number of Claims Settled as of Dec 2024

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