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Care Secure personal accident policy covers accidental death, permanent and temporary partial/total disability, recovery of treatment costs, accidental burns, fractures, and mortal remains mobility, among other benefits.
This individual personal accident insurance Care Secure policy provides financial support to family members, including legally married spouses, children, parents, grandparents, grandchildren, and other dependent relatives of the policyholder.
Additionally, the lifelong renewability benefit of this policy provides educational support to your children to ensure them a bright future, with or without your presence. This benefit applies if the insured meets with an accident leading to demise or permanent total disablement, rendering them unable to support their child's education.
This page discusses everything you need to know about the Care Secure insurance policy.
| PLAN DETAILS |
Care Secure Personal Accident Policy |
Optima Lite Health Insurance Plan |
| Product Type | Accident Health Insurance | Individual |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not Covered | Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Not Covered | Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Not Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Not Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Not Covered | Not Covered |
| Hospital_network (Number of Hospital Network in city) |
11400+ | 15000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Not covered | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Covered | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Not covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not covered | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not covered | Not Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Not covered | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Not applicable | - |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Not applicable | - |
| Plan Entry Age | 18 to 70 Years | Children: 91 days; Adults: 18 years |
| Plan Premium Entry Age and S/A | 1200 | - |
| Plan Waiting Period | N/A | 30 days |
| Plan Coverage | Accidental death cover, disability benefits cover, burns fracture cover, hospital expenses cover | - |
| Plan Sample Premium | 1200 | - |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1,2,3 Years | 1/2/3 Years |
| ICU Charges | Covered | Covered |
| Covid-19 Treatment | Not covered | Not Covered |
| Cataract | Not covered | Covered |
| Automatic Restoration | Not covered | Covered |
| Ayush Treatment | Not covered | Covered |
| Modern Treatment | Not covered | Covered |
| E Consultation | Not covered | Covered |
| Air Ambulance | Covered | Not Covered |
| Global Coverage | Covered | Not Covered |
| Claim Ratio | 97 | 95.30 |
| Solvency Ratio | 1.74 | 2.00 |
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