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Secure Plus

200% Coverage in 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

Build Your Shield Against the Unexpected

Get Personal Accident Insurance Today!

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Coverage Highlights of Secure Plus

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.

About Secure Plus Product

    • 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

Claim Process

  • Cashless
  • Reimbursement

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    FAQs About Secure Plus

    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.

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