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Updated on May 27, 2026 6 min read

Care Secure Personal Accident

Care Secure personal accident policy covers accidental death, permanent and temporary partial/total disability, recovering treatment costs, accidental burns, fractures, mortal remains mobility, and much more.

This individual personal accidental insurance Care Secure policy provides financial support to the 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. Given the insured has met with an accident that led them to their demise or a permanent total disablement when they're unable to take care of their child's education.

This page discusses everything you need to know about the Care Secure insurance policy, read further to know more.

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Care Secure Personal Accident Specifications

To understand Care Secure Personal Accident Insurance in detail, take a look at the below table:

Entry Age

18 to 70 Years

Policy Type

Accident Health Insurance

Sum Insured

1 L | 10 L | 30 L | 3 Cr | 25 Cr

Initial Waiting Period*

N/A Days

Renewability

Lifelong

Policy Term

1,2,3 Years

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Read more specifications in the brochure.

Choose Your Care Secure Personal Accident

With wide coverage options available, Care Secure Personal Accident Insurance Plan allows you to choose your ideal coverage as per your family’s health requirements. Take a look at the coverage under every SI option available and choose your ideal coverage:

In-patient & Out-patient coverage

Room Rent

Covered

ICU Charges

Covered

Pre-Hospitalization

Not Covered

Post-Hospitalization

Not Covered

Domiciliary Hospitalization

Not Covered

Daycare Treatment

Not Covered

OPD Charges

Not Covered

Coverage Terms

COVID-19 Treatment

Not covered

Cataract

Not covered

No Claim Bonus

Covered

Automatic Restoration

Not covered

Daily Hospital Cash

Covered

Organ Donor

Not covered

Maternity Cover

Not covered

New Born Baby Cover

Not covered

Alternative Treatments

AYUSH Treatment

Not covered

IVF Treatment

Not covered

Modern Treatment

Not covered

Emergency Coverage

Ambulance

Not covered

Air Ambulance

Covered

Compassionate Travel

Not coveredNot covered

Global Coverage

Covered

Wellness Programmes

E-Consultation

Not covered

Health Check-Up

Not covered

Second Medical Opinion

Not covered

Vaccination

Not covered

Limitations

Co-payment

Not applicable

Sub-limits

Not applicable

Specification (Inclusions): Care Secure Individual Personal Accident Plan

The Care Secure plan for accidental insurance covers an emergency related to the medical conditions provided below:

Conditions	Specifications
Accidental death (AD)	If there is a condition of the policyholder's demise, the insurer will offer a full sum insured payout to their nominee/s to support their family members through tough times
Accidental total disablement (ATD)	Double the sum insured is an additional benefit of this policy in the condition of accidental total disability, depending on the cruciality of the accident and loss of body parts
Permanent total disablement (PTD) improvement	Policyholders can avail of a double sum insured coverage in case of PTD recovery
Permanent partial disablement	The insurer will pay out for the loss of body parts in an accident up to a specified sum insured limit
Permanent partial disablement (PPD) improvement	The insured can get coverage for PPD improvement up to the double total sum insured so that they can focus on speedy recovery without worrying about treatment expenses
Fractures	Care Secure policy will bear the dependant child's educational expenses up to 10% of the sum insured to ensure a better future if there's a condition of the policyholder's demise or permanent total disablement
Major diagnosis tests	In case of a severe accident/injury, the insured can undergo advanced diagnostic tests like CT scans, MRI and so on, if the medical experts have prescribed it
Disappearance of the insured	If the insured dies and their body goes missing due to sinking, forced landing, stranding, and so on, and the death is validated, the insurer will offer the sum insured to the nominee of their policy as a payout afterwards.
Mobility cover	If the insured gets injured and it leads them to PTD, the policy has reimbursement coverage for prosthetic items (legs, arms, orthopaedic braces, eyes), and medical equipment such as hospital beds, wheelchairs, etc up to INR 25,000
Burns	Any burns occurring due to an accident and if it needs to undergo surgery on an expert's/doctor's prescription, the policy will cover the burns up to 2% of the SI and a maximum of INR 1 Lakh
Repatriation of mortal remains	If the insured dies outside the native place or abroad, the compensation for carrying back their mortal remains to their place will be covered up to 2% of the SI or a maximum of INR 1 Lakh
Temporary total disablement (TTD)	In the case of TTD, the insured is entitled to receive a weekly compensation of up to INR 20,000 per week (for a maximum of 100 weeks)
Loyalty benefit	On continuing the policy for further years, get a 5% increase on the base sum insured on the next renewal as a loyalty bonus of up to 50% in your total lifetime. Claims during the active policy year will not affect loyalty benefits.
Common carrier mishap cover	Get coverage for accidental death or permanent total disablement (total or partial), while travelling through the common modes of convenience like flight, trains, etc.
Tax benefits	All the premiums paid towards the Religare (now, Care) personal accidental insurance policy are eligible for tax benefits under Section 80D of the Income Tax Act.
Optional Benefits
Accidental hospitalisation	Hospitalisation charges, compassionate visits, and daily allowance in cash benefits are available up to INR 1 Lakh

Note: This table shows the standard inclusions of the Care Secure plan (taken from the company's official sources) and the value written in the specification of the benefits is about the maximum percentage allocated to the coverage benefits, out of the total sum insured. For minimum coverage value, please refer to the detailed policy wordings or documents provided during the accession of the policy.

Care Health Insurance Network Hospital List

Care Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Care Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Delhi

Mumbai

Bengaluru

Chennai

Kolkata

Hyderabad

Pune

Ahmedabad

Jaipur

Lucknow

Know More About Network Hospital

Care Secure Personal Accident Exclusions

Permanent Exclusions

Permanent diseases or health conditions that are not included under Care Secure Personal Accident Plan are:

Hospitalization out of war, riot, strike, and nuclear weapons

Intentional self-injury

AIDS

Miscarriage, and abortion

Congenital disease

Infertility and in vitro fertilization

Final Thoughts

Life is so unpredictable, so we need to get ourselves prepared in advance. Accidental injuries or death take the whole family through the gravest situation, as it can ruin their lives forever. Care Secure accidental personal insurance policy saves you and your family members from draining all your savings on the treatment of critical medical condition/s. So, why the wait for? Secure your family's future and be prepared for any emergency coming your way.

If you have another query about the Care Secure accidental insurance plan, send us an email at helpdesk@policyx.com or give us a call at 1800-4200-269.

Explore other Care Health Insurance

To cater to the different medical needs of an individual & their family, Care Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to Care Health Insurance plans explore more:

Group Health Insurance

Care Group Health Insurance

Care Health provides Group Health insurance, Group Personal Accident Insurance, and Group Travel Insurance. Care Health Insurance has offered 11,000+ ...

Unique Features

Explore Care Health Group Plans
Care Claim Settlement Ratio
Benefits of Care Group Plans

Care Group Health Insurance (Pros)

11000+ corporate policies
25000+ locations covered
92.77% claim ratio

Care Group Health Insurance (Cons)

Infertility not covered
War related claims excluded
Waiting period applies

Care Group Health Insurance (Other Benefits)

Tax savings
Corporate buffer option
Paperless claim process
Health awareness camps

Care Group Health Insurance (Eligibility Criteria)

Adults: 18 to 99 years
Children: from 91 days
Covers employees families
No pre policy check-up

Individual and Family Health Insurance

Care Ultimate Care Plan

The Ultimate Care health insurance plan by Care Health is designed to provide comprehensive coverage to the policyholder with a range of benefits. Thi...

Unique Features

Moneyback benefits
Newborn coverage
Medi vouchers

Care Ultimate Care Plan (Pros)

Ambulance cover
Discounts
Loyalty boost
New born cover

Care Ultimate Care Plan (Cons)

OPD not covered
Cosmetic surgeries
Congenital diseases

Care Ultimate Care Plan (Other Benefits)

MedVoucher
Cumulative bonus
Doctor on chat

Care Ultimate Care Plan (Eligibility Criteria)

Entry Age - 18 Years
Max Entry Age - No Age Limit
SI - 5 L to 1 Cr
Waiting Period - 30 Days

Critical Illness Health Insurance

Care Heart Plan

Care Heart is a unique plan launched by Care Health Insurance that provides the flexibility to choose from benefits like Active heart health check-ups...

Unique Features

Coverage for OPD
Home care available
International 2nd opinion

Care Heart Plan (Pros)

Cardiac health check up
Second medical opinion
Automatic SI restoration
Lifelong cover

Care Heart Plan (Cons)

Change of gender treatment
Obesity treatment unavaialable
Hazardous activity not covered
HIV/AIDS not covered

Care Heart Plan (Other Benefits)

OPD care
Home care
International 2nd opinion
Automatic recharge
High SI

Care Heart Plan (Eligibility Criteria)

Entry age- 18 years
Max entry age- No age limit
SI- 3 to 10 L
Waiting period- 30 days

Individual and Family Health Insurance

Care Plus Plan

Care Plus health insurance is a complete healthcare plan that is loaded with features and protects you and your family. Care Plus offers comprehensive...

Unique Features

Comprehensive coverage
No upper age limit
Variants on Sum Insured

Care Plus Plan (Pros)

Ambulance cover
Day care treatments
Domiciliary hospitalization

Care Plus Plan (Cons)

Illegal activities
alcohol abuse
obesity treatment

Care Plus Plan (Other Benefits)

Personal accident cover
Inflation shield
Health services

Care Plus Plan (Eligibility Criteria)

Min entry age: 5 Years
Max entry age: No limit
Initial Waiting Period: 30 Days
Sum Insured: Up to 25 L

Family

Care Classic

Care Classic health insurance is a family floater health plan ideal for married couples, joint families, young and grown-up families. It offers cost-e...

Unique Features

IVF treatment cover
Free doctor consultation
Discounted premiums

Care Classic (Pros)

Room rent covered
Day care treatment
Advanced technology methods
ICU charges

Care Classic (Cons)

Global coverage
Air ambulance
Vaccination
Daily hospital cash

Care Classic (Other Benefits)

AYUSH treatment
IVF treatment
Cataract
No claim bonus

Care Classic (Eligibility Criteria)

Min. entry age: 18 Years
Max. entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 15 L

Family

Care Enhance Plan

A top-up plan based on policy deductible principle Care Enhance is a super top-up health insurance plan that provides extra health insurance coverage ...

Unique Features

Flexible deductible
Modern treatments
No pre-medical check-ups

Care Enhance Plan (Pros)

Covers modern treatment
Flexible options of deducton
No pre-policy medical test
Annual health check-up
Floater option

Care Enhance Plan (Cons)

Change of gender treatments
Obesity treatment unavailable
HIV/AID not covered

Care Enhance Plan (Other Benefits)

High sum insured
Organ donor expenses
Expert opinion cover
Cashless treatment

Care Enhance Plan (Eligibility Criteria)

Entry age- 5 years
Max entry age- No age limit
SI- 1 L to 55 L
Waiting period- 30 days

Women Health Insurance

Care Joy Plan

Care Joy health insurance is designed specifically for expecting mothers and their newborns to offer them several well-known benefits. It covers the c...

Unique Features

Newborn baby cover
541 Daycare treatments
Modern treatments cover

Care Joy Plan (Pros)

2 Plan variants
New born cover
Maternity cover

Care Joy Plan (Cons)

Illegal activities
Alcohol abuse
Ambulance cover

Care Joy Plan (Other Benefits)

No claim bonus
Renewal
Lifelong renewability

Care Joy Plan (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 5 L

Individual and Family Health Insurance

Care Plan

Single health insurance to cover all family members. Care health insurance plan is a comprehensive medical policy for individuals and families. It is ...

Unique Features

No claim bonus up to 100%
Annual health check-ups
Personal accident cover

Care Plan (Pros)

In-built maternity cover
No upper age limit for enrollment
Coverage for modern treatment
Pre-existing diseases

Care Plan (Cons)

War
Riot
AIDS
Miscarriage
Congenital disease

Care Plan (Other Benefits)

Lifelong renewability
ICU charges
Day care treatment
Ambulance cover
Organ donor cover

Care Plan (Eligibility Criteria)

Min entry age: 91 days
Max entry age: No limit
Initial Waiting Period: 30 Days
Sum Insured: Up to 6 Cr

Senior Citizen Health Insurance

Care Senior

Care Senior Citizen is specially designed to offer coverage for individuals above 60 years of age. It offers flexibility to choose the sum insured tha...

Unique Features

No pre-policy check-up
Annual rewards available
Reduction in wait period

Care Senior (Pros)

Affordable premiums
Day care treatments
ICU charges

Care Senior (Cons)

Illegal activites
Adventure sports
Alcohol abuse

Care Senior (Other Benefits)

No-claim bonus
Second opinion
Alternative treatments

Care Senior (Eligibility Criteria)

Min entry age: 61 Years
Max entry age: No Limit
Initial Waiting Period: 30 Days
Sum Insured: Up to 10 L

Critical Illness Health Insurance

Care Critical Mediclaim

Critical Mediclaim Care health insurance policy gives you protection against 32 defined critical illnesses based on an indemnity plan. This super-faci...

Unique Features

32 Critical illnesses cover
Dialysis expenses covered
Avail psychiatric counselling

Care Critical Mediclaim (Pros)

Wellness benefits
Organ donor cover
32 CI covered

Care Critical Mediclaim (Cons)

Obesity treatment
alcohol abuse
illegal activities

Care Critical Mediclaim (Other Benefits)

Global coverage
International opinion
Doctor on call

Care Critical Mediclaim (Eligibility Criteria)

Min entry age: 5 Years
Max entry age: 50 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 2 Cr

Individual and Family Health Insurance

Care Freedom Health Insurance Plan

Free yourself from the worries of healthcare. As the name suggests, Care Freedom is the plan that allows you to be worry-free in every situation. Thi...

Unique Features

Additional health checkups
Dialysis cover
No pre-medical check-up

Care Freedom Health Insurance Plan (Pros)

No pre-policy checkup needed
Dialysis cover available
Annual health checkup

Care Freedom Health Insurance Plan (Cons)

Change of gender treatment
Obesity treatment
HIV/AIDS not covered
Cosmetic surgery unavailable

Care Freedom Health Insurance Plan (Other Benefits)

Cashless healthcare
No pre-policy check up
SI recharge
Lifelong renewability

Care Freedom Health Insurance Plan (Eligibility Criteria)

2 plan variants
Consumable allowance
Annual health check-up
Long term discounts

Individual and Family Health Insurance

Care Supreme Plan

Care Supreme is an extensive coverage health insurance plan that safeguards you and your family members without worrying about your future healthcare ...

Unique Features

Unlimited E-consultations
Automatic Restoration
Wellness Benefits

Care Supreme Plan (Pros)

Modern treatments
Renewal discounts
Unlimited e-consultation

Care Supreme Plan (Cons)

Illegal activities
alcohol abuse
obesity treatments

Care Supreme Plan (Other Benefits)

Ambulance cover
Doctor on chat
Maternity care

Care Supreme Plan (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: No age limit
Initial Waiting Period: 30 Days
Sum Insured: Up to 1 Cr

Accident Health Insurance

Care Secure Personal Accident

Care Secure personal accident policy covers accidental death, permanent and temporary partial/total disability, recovering treatment costs, accidental...

Unique Features

PTD & PPD cover
Cover for child education
100% accidental death payout

Care Secure Personal Accident (Pros)

Accidental death
Accidental total disablement
Permanent total disablement

Care Secure Personal Accident (Cons)

Illegal activities
Alcohol abuse
Obesity treatment

Care Secure Personal Accident (Other Benefits)

Accidental hospitalisation
Tax benefits
Loyalty benefit

Care Secure Personal Accident (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: 70 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 50 L

Critical Illness Health Insurance

Cancer Mediclaim Policy

Care Cancer Mediclaim is a dedicated health plan built specifically to handle the high cost of cancer treatment. It covers everything from diag...

Unique Features

Wide SI options
Lifelong renewability
Cancer-related global coverage

Cancer Mediclaim Policy (Pros)

Annual health checkup
Chemo and radiotherapy cover
Air ambulance cover
Chemo and radio therapy
Organ donor cover

Cancer Mediclaim Policy (Cons)

Change of gender treatment
Obesity treatment unavailable
HIV/AIDS not covered
Cosmetic surgery unavailable

Cancer Mediclaim Policy (Other Benefits)

International second opinion
Doctor on call
Air ambulance cover
OPD cover

Cancer Mediclaim Policy (Eligibility Criteria)

Entry age- 5 years
Max entry age- 50 years
SI- 10 L to 2 Cr
Waiting Period- 30 days

Individual and Family Health Insurance

Care Advantage Plan

Care Advantage Health Insurance is an ideal 1 Crore option so that a policyholder's family is adequately covered. Care Advantage health insurance offe...

Unique Features

High sum insured
540+ procedures covered
Organ donation cover

Care Advantage Plan (Pros)

No bonus claim up to 50%
Automatic SI recharge
Organ donor cover
Automatic recharge
High SI

Care Advantage Plan (Cons)

20% co-pay
Obesity treatment unavailable
Hazardous activity not covered

Care Advantage Plan (Other Benefits)

Ambulance cover available
Optional cover available
Co-pay waiver
Room rent modification

Care Advantage Plan (Eligibility Criteria)

Entry age- 91 days
Max entry age- Lifelong
SI- 25 L to 6 Cr
Waiting Period- 30 days

Individual and Family Health Insurance

Care Operation Insurance

Care Operation Insurance Plan is designed specifically to offer you surgical operations coverage. A wide range of sum insured options are available ra...

Unique Features

Unlimited E-consultations
Automatic Restoration
Wellness Benefits

Care Operation Insurance (Pros)

Health services
Air Ambulance cover
Chemotherapy cover

Care Operation Insurance (Cons)

Illegal activities
Alcohol abuse
Obesity treatments

Care Operation Insurance (Other Benefits)

Dialysis cover
Second opinion
Organ donor cover

Care Operation Insurance (Eligibility Criteria)

Min entry age: 5 Years
Max entry age: 50 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 2 Cr

Individual and Family Health Insurance

Arogya Sanjeevani Plan

Arogya Sanjeevani was first introduced by IRDAI (Insurance Regulatory and Development Authority of India) in the year 2020 to provide a standard and a...

Unique Features

High sum insured
540+ procedures covered
Organ donation cover

Arogya Sanjeevani Plan (Pros)

AYUSH treatment
Affordable premium
Lifelong renewability
Tax benefit

Arogya Sanjeevani Plan (Cons)

Change of gender treatment
Obesity treatment unavailable
Hazardous activity not covered

Arogya Sanjeevani Plan (Other Benefits)

Modern treatments available
50% cumulative bonus
30 days pre-hospitalisation

Arogya Sanjeevani Plan (Eligibility Criteria)

Entry age- 5 years
Max entry age- 65 years
SI- 5 L
Waiting period- 30 days

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Care Secure Personal Accident: FAQs

1. What does Care Secure accidental policy cover?

Care Secure plan covers accidental death, injuries, and disabilities (temporary and permanent), sum insured payout on death, and much more.

2. Are daycare procedures covered under the Care Secure plan?

Daycare procedures related to accidental causes up to a specified limit are covered under this plan.

3. Which kinds of accidents are called personal accidents in insurance?

Accidental conditions that are unfortunate and unpredictable such as falls, burns, cuts, bites, stings, drowning in waterbodies, road accidents, etc are called personal accidents.

4. Will Care Secure personal accidental insurance take care of my family if I die?

Yes, this policy will provide financial support to your family/dependent child or parents up to a maximum of the sum insured limit in your absence.

5. Are plane crashes or train accidents covered under the Care Secure plan?

Yes, the Care Secure personal accidental plan covers if travelling through the common carrier causes the policyholder’s death.

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Care Secure Personal Accident

Why Do We Exist?

Compare

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Care Secure Personal Accident Specifications

Entry Age

Policy Type

Sum Insured

Initial Waiting Period*

Renewability

Policy Term

Choose Your Care Secure Personal Accident

In-patient & Out-patient coverage

Coverage Terms

Alternative Treatments

Emergency Coverage

Wellness Programmes

Limitations

Specification (Inclusions): Care Secure Individual Personal Accident Plan

Care Health Insurance Network Hospital List

Delhi

Mumbai

Bengaluru

Chennai

Kolkata

Hyderabad

Pune

Ahmedabad

Jaipur

Lucknow

Care Secure Personal Accident Exclusions

Permanent Exclusions

Final Thoughts

Explore other Care Health Insurance

Care Group Health Insurance (Pros)

Care Group Health Insurance (Cons)

Care Group Health Insurance (Other Benefits)

Care Group Health Insurance (Eligibility Criteria)

Care Ultimate Care Plan (Pros)

Care Ultimate Care Plan (Cons)

Care Ultimate Care Plan (Other Benefits)

Care Ultimate Care Plan (Eligibility Criteria)

Care Heart Plan (Pros)

Care Heart Plan (Cons)

Care Heart Plan (Other Benefits)

Care Heart Plan (Eligibility Criteria)

Care Plus Plan (Pros)

Care Plus Plan (Cons)

Care Plus Plan (Other Benefits)

Care Plus Plan (Eligibility Criteria)

Care Classic (Pros)

Care Classic (Cons)

Care Classic (Other Benefits)

Care Classic (Eligibility Criteria)

Care Enhance Plan (Pros)

Care Enhance Plan (Cons)

Care Enhance Plan (Other Benefits)

Care Enhance Plan (Eligibility Criteria)

Care Joy Plan (Pros)

Care Joy Plan (Cons)

Care Joy Plan (Other Benefits)

Care Joy Plan (Eligibility Criteria)

Care Plan (Pros)

Care Plan (Cons)

Care Plan (Other Benefits)

Care Plan (Eligibility Criteria)

Care Senior (Pros)

Care Senior (Cons)

Care Senior (Other Benefits)

Care Senior (Eligibility Criteria)

Care Critical Mediclaim (Pros)

Care Critical Mediclaim (Cons)

Care Critical Mediclaim (Other Benefits)

Care Critical Mediclaim (Eligibility Criteria)

Care Freedom Health Insurance Plan (Pros)

Care Freedom Health Insurance Plan (Cons)

Care Freedom Health Insurance Plan (Other Benefits)

Care Freedom Health Insurance Plan (Eligibility Criteria)