Save tax up to ₹75,000^~ u/s 80D

Secure Plus

200% Coverage in Permanent Total Disability*

Coverage Options up to ₹1 Cr
Double SI payout under Temporary Total Disability
Double SI payout under Permanent Partial Disability
Accidental Hospitalization Coverage

Insured 9,00,00,000+ lives

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Annual Income (In lakhs) Annual Income is required

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Coverage Highlights of Secure Plus

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Nursing Care Reconstructive Surgery

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Fractures & Burns

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Major Diagnostic Tests

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Child Education

ambulance

Domestic Road Ambulance & Mobility Cover

personal_injury

Accidental Injury or Accidental Death

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Permanent Total Disability

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Permanent Partial Disability

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.

Understanding Secure Plus

Coverage of up to 1% of SI coverage in case of Temporary Total Disability
Get double the Sum Insured Amount in the event of Permanent Partial Disablement#
Get double the Sum Insured Amount in the event of Permanent Total Disablement#
Coverage for Hospitalisation due to Accidents.
Covers financial loss resulting from accidents and injuries like burns and fractures.
Other benefits include child education, coverage in case of disappearance, burns, reconstructive surgery, domestic road ambulance, repatriation and funeral expenses.

Plan Details

Policy Terms
Exclusions

Policy Terms
Minimum Entry Age	18 Years
Maximum Entry Age	64 years
Maximum Renewal Age	Lifelong
Sum Insured Offered	30L/ 50L/ 1Cr
Relationship Covered	Self ( Proposer has to be Insured)
Cover Type	Individual
Policy Tenure (in Years)	1 / 2 / 3

Download Terms and 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 on a scheduled airline.
Expenses incurred due to engaging in hazardous activities.
An 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.

Claim Process

Cashless
Reimbursement

Our Network

21700+ Healthcare providers offering cashless treatment across the country

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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 the death of the policyholder, the beneficiaries of the personal accident policy will receive the specified coverage amount, which can lead to a life without any financial difficulty.

Q. Is there any minimum entry age limit for purchasing a Personal Accident Insurance policy?

The minimum entry age for purchasing Secure Plus personal accident insurance coverage is 18.

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

You must purchase Secure-Plus personal accident insurance, typically for the earning members of the family, as you can nominate the dependents as the nominee in the policy.

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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.

#The double sum insured amount is offered with PPD improvement and PTD improvement add-on benefits.