Care Secure Personal Accident Insurance Plan

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      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.

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      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*(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
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      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.

      *Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

      Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

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