Save tax up to ₹75,000^~ u/s 80D

Secure Child - Personal Accident Insurance

Complete Protection for Your Child!

Coverage Options up to ₹5 Cr
Fixed Monthly Income for Child and Spouse
Coverage of Diagnostic Tests
Accidental Hospitalisation Coverage

Insured 15,00,00,000+ lives

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

Select age of the member to be insured:

Job Type is required

Annual Income (In lakhs) Annual Income is required

By continuing, you agree to our T&C

Cover Highlights

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Coverage Options up to ₹5 Cr

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Fixed Monthly Income for Child and Spouse

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Coverage of Diagnostic Tests

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Accidental Hospitalisation Coverage

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Mobility Cover

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Burn Damage Cover

ambulance

Domestic Road Ambulance Cover

personal_injury

Fracture Cover

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Permanent Total Disablement

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Loyalty Benefit

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Child Education

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Permanent Partial Disablement

Product Benefits

Premium / Benefit	30 L	50 L / 100 L
Accidental Death In the event of the insured person’s accidental death, the nominee gets compensated with an amount of up to the sum insured.	100% of Sum Insured	100% of Sum Insured
Permanent Total Disablement	Up to PTD SI, as per PTD Table	Up to PTD SI, as per PTD Table
PTD Improvement~ Get double the sum insured benefit under the Permanent Total Disablement claim.	Additional amount up to PTD SI as per the PTD table	Additional amount up to PTD SI as per PTD table
Permanent Partial Disablement	Up to PPD SI, as per PTD Table	Up to PPD SI, as per PTD Table
PPD Improvement~ Get double sum insured benefits under the Permanent Partial Disability claim.	Additional amount up to PPD SI as per PPD table
Temporary Total Disability ( TTD )Plus Get weekly compensation maximum of up to 100 weeks in case of temporary total disability	Up to 1% of SI, max. up to 50 Lac	Up to 1% of SI, max. up to 50 Lac
Fractures/Burns Get compensated for fractures and burns due to surgery, as advised by your medical practitioner in case of an accident.	Fracture - Up to 1,00,000 (As per % specified ) Burn - Up to 10,00,000 (As per % specified )	Fracture - Up to 2,00,000 (As per % specified ) Burn - Up to 20,00,000 (As per % specified )
Major Diagnostic 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 worry.	Up to Rs. 15,000	Up to Rs. 25,000
Child Education 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	10% of Sum Insured
Disappearance 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	100% of SI
Mobility cover If an injury causes PTD and requires the use of prosthetic devices, such as artificial arms, legs, or medical equipment, such as wheelchairs or hospital beds, we will reimburse the expenses for these.	Up to Rs. 15,000	Up to Rs. 25,000
Domestic Road Ambulance 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.	X	Up to Rs. 5,000, This amount is over and above AD SI.
Nursing Care We offer coverage if specialised nursing care is required after hospitalisation due to accidents. The benefit is offered upon the doctor’s written advice.	X	Rs. 1,000/day, Max 15 days/Claim
Reconstructive Surgery We offer coverage for reconstructive surgery if medically necessary due to accidents.	X	Up to Rs. 10,00,000
Repatriation of Mortal Remains In case repatriation of mortal remains is required within India, the policy offers standard coverage.	X	2% of SI, Max 1 Lac
Loyalty Benefit On Renewal, we will increase your SI by 5% every year, up to 50%. No effect of the claim on loyalty benefit.	5% of SI, Max. up to 50% of SI	5% of SI, Max. up to 50% of SI
Accidental Hospitalisation Expenses~ In the event of the insured's accident, the company pays for the hospitalisation expenses.	Up to 10% of AD SI, Max up to 3 Lac	Up to 10% of AD SI, Max up to 5 Lac

*Please refer to the policy terms & conditions to get details on coverage benefits.

~The Accidental Hospitalisation, PTD Improvement, and PPD Improvement are mandatory add-ons under Secure Plus.

Plan Highlights

Pays the insured amount for the next 100 months if the insured dies accidentally.
Provides 1% of the Sum Insured for a maximum of 100 weeks (up to ₹50 lacs) if the insured is temporarily unable to work due to an accident.
Covers financial losses resulting from accidents, including injury treatments such as burns and fractures.
Provides compensation for losses due to Permanent Total Disablement (PTD) and Permanent Partial Disablement (PPD).
Additional benefits include support for child education, coverage for disappearance, burns, reconstructive surgery, domestic road ambulance, repatriation, and funeral expenses.

Personal Accident Insurance Plan Details

Policy Terms
Exclusions

Minimum & Maximum Entry Age
Minimum Entry Age	18 years
Maximum Entry Age	64 years
Maximum Renewal Age	Lifelong
Cover Type
Relationship Covered	Self (Proposer has to be Insured)
Cover Type	Individual
Policy Tenure (in Years)	5 Years

Download Terms and Conditions

Any pre-existing injury or physical condition.
Any intentional injury inflicted by oneself, including suicide or attempted suicide, as well as sexually transmitted conditions, mental or nervous disorders, insanity, anxiety, stress, or depression.
The insured person is flying in an aircraft other than as a fare-paying passenger on a scheduled airline.
Expenses resulting from participation in hazardous activities.
An insured person serving in any branch of the military, navy, air force, or any branch of the armed forces or paramilitary forces.
Persons working in underground mines, handling explosives, engaging in press activities, participating in activities like racing on wheels or horseback, winter sports, canoeing in whitewater rapids, or any bodily contact sport.
Claim related to mental illness, stress, psychiatric or psychological disorders.

Claim Process

Cashless
Reimbursement

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FAQs about Secure Child

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.

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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

~~The insured member is eligible for up to 100% coverage under Permanent Total Disablement and 100% coverage under Permanent Total Disablement Improvement table.