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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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(Based on Reviews)

21100+

CASHLESS HEALTHCARE PROVIDERS^^

95.2%

INSURANCE CLAIM SETTLEMENT RATIO*

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Health
Health Insurance for family Health Insurance for Senior Citizens
Travel
International Travel Insurance

Add-on Coverage

Your Total Quote - ₹X,XXX /yr

Self,Spouse,Daughter

Coverage

Charges

No Claim Bonus Super

Up to 150% increase in sum insured

₹X,XXX

Everyday Care

We have prepared a exclusive panel of EVERDAY care hospital/Diagnostic LABs panel where our customers are eligible for cashless coverage of Doctor Consultation & Diagnostic Test. You are covered upto 1% of your Sum Insure. 20% co-payment is applicable on all claims under this benefit.

International Second Opinion

It offers an option to consult doctors and take a second opinion for reassurance of recommended treatment

₹X,XXX

Unlimited Automatic Recharge

Your sum insured is reinstated unlimited number of times

₹X,XXX

EMI offers

Choose a bank

ICICI Bank

ICICI Bank
CITI Bank
HDFC Bank
AMEX Bank

Months	EMI	Total Cost
3	₹X,XXX	₹X,XXX

Total cost doesn't include taxes or processing changes, if any Banks may
charge pre-closure & interest charges if you cancel EMI order.

Click here to read EMI Terms & Conditions

Add-on Coverage

CUSTOMIZED PACKAGE

MAKE YOUR OWN PACKAGE

Basic
₹

Safe
₹

No Claim Bonus Super

Increase your sum insured amount by 50% for every claim free year upto a maximum of 100%

A chance to increase your
sum up to 150%

Reduction in PED Wait Period

It reduces the applicable wait period of 48 months for Claims related to Pre-existing diseases, to 24 months

A chance to reduce wait period
from 48 to 24 months*

Coverage

Charges

NCB Super

Up to 150% increase in sum insured

₹0

Reduction in PED Wait Period

Choosing this optional cover reduces the applicable wait period of 48 months for Claims related to Pre-existing diseases, to 24 months. The claims will be admissible for any Medical Expenses incurred for Hospitalization in respect of diagnosis/treatment of any Pre-existing Disease after just 24 months of continuous coverage has elapsed, since the inception of the first Policy with us.

₹0

OPD Care

Through this optional cover, one can claim amount equivalent to their bills provided at the time of reimbursement.

₹0

Home / Health Insurance / Care Secure- Personal Accident Insurance

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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.

Secure plan highlights

Mobility-cover

Burn Damage Cover

Domestic Road
Ambulance Cover

Fracture Cover

Permanent Total
Disablement

Loyalty Benefit

Child Education

Permanent Partial
Disablement

Benefits of Personal Accident Insurance

See all Sum Insured Options

KEY FEATURES	₹10L	₹15, 20, 25 & 30L	₹50L
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.
Permanent Total Disablement Improvement Get double sum insured benefit under Permanent Total Disablement claim.
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.
Permanent Partial Disablement Improvement Get double sum insured benefits under Permanent Partial Disablement claim.
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.		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.		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.		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.		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.		Up to ₹ 10,00,000	Up to ₹ 20,00,000
Repatriation of Mortal Remains			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
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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Download the Brochure for Secure Complete Plan Details

Download Secure complete plan details

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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.

Voice of Customers

Mehtaab Singh

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

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

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

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

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!

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 timely intimation regarding the acceptance of my claim amount settled by you. View more

Ankita Sharma

Health Insurance

We will continue to avail of your scheme

Thank you for settling the claim amount. It helped me a lot during my tough time. The process is smooth and hassle-free. I will continue with Care Health Insurance and recommend it to my friends as well. View more

Indubala Nambiar

Health Insurance

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. View more

Vikas Singh

Health Insurance

Really helpful explaining the process in advance

I just wanted to thank you for the exceptional response from you on the recent cashless hospitalization request related to my mother's operation. You were really helpful throughout. View more

Sahil Khattar

Health Insurance

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 holding payment or rejecting it outright on very flimsy grounds was not the case with Care health insurance, May your tribe grow more View more

Aditya Sharma

Health Insurance

Zeroing in on a health insurance plan specially an accidental health plan, 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 is a specialist Health Insurer. It offers products keeping in mind a customer's needs in the event of 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
Leader of the year

30 Lakh + Claims Settled^^

Cashless claim approval
in approx. 2 hours

^^number of claims settled as on February, 2022

FAQs on Personal Accident Insurance

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Most Frequently Asked 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 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.