Care Secure Personal Accident Insurance Plan

(87 Reviews)
Highlights

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

*Tax benefit is subject to changes in tax laws. Standard T&C Apply

Back
Get insured from the comfort of your home
Get insured from the comfort of your home
  • 1
  • 2
  • 3
  • 4

Who would you like to insure?

  • Previous step
    Continue
    By clicking on “Continue”, you agree to our Privacy Policy and Terms of use
    Previous step
    Continue

      Popular Cities

      Previous step
      Continue
      Previous step
      Continue

      Do you have an existing illness or medical history?

      This helps us find plans that cover your condition and avoid claim rejection

      Get updates on WhatsApp

      What is your existing illness?

      Select all that apply

      Previous step

      When did you recover from Covid-19?

      Some plans are available only after a certain time

      Previous step
      Advantages of
      entering a valid number
      You save time, money and effort,
      Our experts will help you choose the right plan in less than 20 minutes & save you upto 80% on your premium

      Care Secure Personal Accident Insurance Plan

      Care Secure Personal Accident Insurance has been designed to cover the insured against accidents. It provides financial support to the policyholder’s family in case of accidental death or disablement. This comprehensive policy comes with several attractive benefits, including coverage for child’s education, reconstructive surgeries, fractures, burns and sudden disappearance of the policyholder.

      Read More

      Care Secure Personal Accident Insurance: Key Highlights

      Categories Specifications
      Sum Insured Rs 1 lakh to Rs 25 crore
      Policy Tenure 1 year, 2 years, 3 years
      Network Hospitals 19000+
      Incurred Claim Ratio (2020-21) 55.15%
      Claim Settlement Ratio (2019-20) 95.2%
      Discount 5% family discount
      Up to 10% multi-year policy discount

      Benefits of Care Secure Personal Accident Insurance Plan

      Here are some of the key benefits of buying a Care Secure Personal Accident Insurance plan:

      Accidental Death Benefit

      Unlike regular health insurance plans, this Care accident insurance policy pays a death benefit to the family of the insured in case he/she dies in an accident.

      Child Education Benefit

      Under this policy, the insurance company will pay for the education of the policyholder’s child in case of accidental death or permanent disability.

      No Waiting Period

      Contrary to all health insurance plans, this accident insurance policy does not come with any waiting period to raise an accidental claim.

      Disappearance Benefit

      In case the policyholder disappears after a mishap with a common carrier and cannot be located within one year, then the insurance company will pay compensation to the family.

      Loyalty Benefit

      Policyholders will get a loyalty benefit of 5% up to a maximum of 50% on each policy renewal. This benefit can be used to increase the sum insured for accidental death, permanent total disablement and permanent partial disablement covers.

      Cashless Hospitalization Facility

      The insurance company comes with more than 19,000 network hospitals where cashless hospitalization facilities can be availed.

      Tax Benefits

      The premium paid towards the Care Secure Personal Accident Insurance policy can be claimed for tax deductions under Sec 80D, Income Tax Act.

      Eligibility Criteria of Care Secure Personal Accident Insurance Plan

      Check out the eligibility criteria to buy a Care Secure Personal Accident Insurance plan:

      Parameters Eligibility Criteria
      Minimum Entry Age Adult – 18 years
      Child – 91 days
      Maximum Entry Age Adult – 70 years
      Child – 24 years
      Coverage Type Individual
      Relationships Covered Spouse, children, parents, siblings, parents-in-law, grandparents, grandchildren, uncle, aunt, nephew and niece
      Renewability Lifelong

      Types of Care Secure Personal Accident Insurance Plan

      The Care Secure Personal Accident Insurance plan comes in six types:

      • Secure 1 – This variant is available for a sum insured of Rs 1 lakh to Rs 10 lakh.
      • Secure 2 – This plan comes with a sum insured of above Rs 10 lakh to Rs 30 lakh.
      • Secure 3 – This variant offers a sum insured of more than Rs 30 lakh to Rs 3 crore.
      • Secure 4 – This plan is available for a sum insured of above Rs 3 crore to Rs 25 crore.
      • Secure 5 – This variant comes with a sum insured of Rs 1 lakh to Rs 30 lakh.
      • Secure 6 – This plan offers a sum insured ranging from Rs 1 lakh to Rs 25 crore.

      What is Covered by Care Secure Personal Accident Insurance Plan?

      The following coverage is available under the Care Secure Personal Accident Insurance plan:

      • Accidental Death – It pays the sum insured amount to the nominated family member in case the insured dies in an accident.
      • Permanent Total Disablement – It pays a pre-defined amount to the insured in case he/she suffers from permanent total disablement due to an accident.
      • Permanent Partial Disablement – It pays the insured with a pre-defined amount in case he/she meets with an accident and ends up suffering from permanent partial disablement.
      • Fractures – It covers the medical expenses incurred on the treatment of a fracture resulting from an accidental injury.
      • Child Education – It pays for the education of the insured person’s child in case he/she dies in an accident or suffers from permanent total disablement.
      • Major Diagnostic Tests – It covers the cost of major diagnostic tests, such as MRIs, CT scans, etc., in case the insured needs to undertake them after an accident.
      • Disappearance – It pays the sum insured amount to the nominee in case he/she went missing after a mishap with his/her common carrier and has been untraceable for one year.
      • Mobility Cover – It covers the cost of medically necessary prosthetic devices, orthopaedic braces and medical equipments in case the insured suffers from permanent total disablement after an accident.
      • Burns – It covers the cost of surgery required for treating a burn injury resulting from an accident.
      • Domestic Road Ambulance – It covers the medical expenses incurred on availing domestic road ambulance services after the insured meets with an accident.
      • Nursing Care – It pays for the cost of availing services of a nurse for care and convenience of the insured who got permanently disabled in an accident.
      • Reconstructive Surgery – It covers the cost of a reconstructive surgery required as a result of an accidental injury.
      • Repatriation of Mortal Remains – It covers the cost of transporting the mortal remains of the policyholder to his/her home in case of accidental death.

      Optional Cover:

      • Accidental Hospitalization – It covers the medical expenses incurred on accidental hospitalization of the insured and compassionate visit of an immediate family member. It also pays a daily allowance for up to 5 days in case the insured is admitted to a hospital after an accident.
      • Permanent Total Disablement Improvement – It ensures that the insurance company pays double the amount payable under the permanent total disablement cover.
      • Permanent Partial Disablement Improvement – It enables the policyholder to get twice the amount payable under the permanent partial disablement cover.
      • Accidental Hospitalization Expenses – It covers the cost of hospitalization required for the treatment of an accidental injury.
      • Convalescence Benefit – It pays a lump sum amount to the insured in case he/she is admitted to a hospital after an accident for more than a certain number of days.
      • Accidental Hospitalization Daily Allowance – It pays a daily allowance to the insured in case he/she is hospitalized for more than a certain number of days after meeting with an accident.
      • Temporary Total Disablement – It pays a weekly compensation to the policyholder for up to 100 weeks in case he/she suffers from temporary total disability due to an accident.
      • Accidental OPD Cover – It covers the medical expenses incurred on OPD treatment taken for injuries sustained in an accident.
      • Common Carrier Mishap Cover - It provides an additional amount up to 100% of the sum insured in case the insured dies in an accident of his/her common carrier or suffers from permanent total disablement.

      What is Not Covered by Care Secure Personal Accident Insurance Plan?

      The Care Secure Personal Accident Insurance plan does not cover the following medical expenses:

      • Pre-existing diseases
      • Intentional self-injury
      • Injuries due to alcohol or drug addiction
      • HIV AIDS
      • External congenital anomaly
      • Bacterial infections
      • Mental Illness
      • Infertility and sterility
      • Alternative treatments

      FAQs

      Policybazaar exclusive benefits
      • 30 minutes claim support*
      • 50,000 claims approved in last 15 months*
      • Schedule home visit with our advisors
      • Get a plan based on your medical needs
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

      Health insurance articles

      Recent Articles
      Popular Articles
      Should You Buy a Super Top-up Health Insurance Policy?

      18 Jan 2023

      India is abuzz with a variety of health insurance plans to cater
      Read more
      6 Reasons Why Your Cashless Health Claims Can Get Denied

      18 Jan 2023

      Cashless claims are one of the most lucrative benefits of buying a
      Read more
      Check Out the Mandatory KYC Documents for Health Insurance

      30 Dec 2022

      The Insurance Regulatory & Development Authority of India
      Read more
      What to Look for in a Health Insurance for Cancer Plan?

      20 Dec 2022

      Cancer is one of the biggest demons that the world faces today
      Read more
      What are the Factors Affecting Health Insurance Premium?

      20 Dec 2022

      Demand for insurance products in India, especially health
      Read more
      How to Apply for Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY)?
      Ayushman Bharat Yojana is a flagship health insurance scheme launched by the Government of India to offer universal
      Read more
      Income Tax Slab for Women: Guide to Exemptions and Rebates
      In India, every person who earns beyond a certain limit is liable to pay income tax to the government. The tax
      Read more
      What are the Normal Thyroid Stimulating Hormone (TSH) Levels as Per Age?
      The thyroid gland is an important gland responsible to produce the right amount of hormones for normal body
      Read more
      10 Major Benefits of Ayushman Bharat Yojana
      Pradhan Mantri Jan Arogya Yojana (PM-JAY) is the second component under Ayushman Bharat Scheme. PM Narendra Modi
      Read more
      Best Health Insurance Plans for Senior Citizens in 2023
      Senior citizens are the most prone to diseases. Considering the medical inflation in India, buying health insurance
      Read more

      top
      Close
      Download the Policybazaar app
      to manage all your insurance needs.
      INSTALL