Overview
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.
Specifications (Inclusions): Care Secure Individual Personal Accident Plan
The Care Secure plan for accidental insurance covers the following medical conditions and emergencies:
| Conditions |
Specifications |
| Accidental Death (AD) |
If the policyholder passes away, the insurer will provide the full sum insured payout to their nominee(s) to support the family. |
| Accidental Total Disablement (ATD) |
Double the sum insured is provided in case of accidental total disability, depending on the severity of the accident and loss of body parts. |
| Permanent Total Disablement (PTD) improvement |
Policyholders can avail double the sum insured coverage for PTD improvement. |
| Permanent Partial Disablement |
The insurer will provide a payout for the loss of body parts due to an accident, up to a specified sum insured limit. |
| Permanent Partial Disablement (PPD) improvement |
The insured can get coverage for Permanent Partial Disablement (PPD) improvement up to double the total sum insured, allowing them to focus on recovery without worrying about treatment expenses. |
| Child Education Support |
The Care Secure policy will cover the dependent child's educational expenses up to 10% of the sum insured, ensuring a better future if the policyholder passes away or suffers permanent total disablement. |
| Major Diagnostic Tests |
In case of a severe accident or injury, the insured can undergo advanced diagnostic tests like CT scans and MRI, if prescribed by medical experts. |
| Disappearance of the Insured |
If the insured dies and their body goes missing due to sinking, forced landing, stranding, etc., and the death is validated, the insurer will offer the sum insured to the policy nominee as a payout. |
| Mobility Cover |
If the insured sustains an injury leading to PTD, the policy provides reimbursement coverage for prosthetic items (legs, arms, orthopedic braces, eyes) and medical equipment such as hospital beds, wheelchairs, etc., up to INR 25,000. |
| Burns |
Any burns occurring due to an accident that require surgery, as prescribed by an expert/doctor, will be covered up to 2% of the Sum Insured (SI) or a maximum of INR 1 Lakh. |
| Repatriation of Mortal Remains |
If the insured dies outside their native place or abroad, the cost of repatriating their mortal remains will be covered up to 2% of the Sum Insured (SI) or a maximum of INR 1 Lakh. |
| Temporary Total Disablement (TTD) |
In case of Temporary Total Disablement (TTD), the insured is entitled to receive weekly compensation of up to INR 20,000 (for a maximum of 100 weeks). |
| Loyalty Benefit |
On continuing the policy, receive a 5% increase on the base sum insured at each renewal as a loyalty bonus, up to a maximum of 50% of the total lifetime sum insured. 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 traveling through common modes of transport like flights, trains, etc. |
| Tax Benefits |
All premiums paid towards the Care Secure personal accident insurance policy are eligible for tax benefits under Section 80D of the Income Tax Act. |
| Optional Benefits |
| Accidental Hospitalisation |
Hospitalization charges, compassionate visits, and daily cash allowance benefits are available up to INR 1 Lakh. |
Note: This table outlines the standard inclusions of the Care Secure plan (sourced from the company's official documents). The values specified for benefits represent the maximum percentage allocated from the total sum insured. For minimum coverage values, please refer to the detailed policy wordings or documents provided at the time of policy purchase.
Exclusions
- Permanent diseases or health conditions not covered under the Care Secure Personal Accident Plan include:
- Hospitalization due to war, riot, strike, or nuclear weapons
- Intentional self-inflicted injury
- HIV/AIDS
- Miscarriage and abortion
- Congenital diseases
- Infertility and in-vitro fertilization
Final Thoughts
Life is unpredictable, making it essential to be prepared. Accidental injuries or death can lead to grave situations, potentially impacting a family's future. The Care Secure personal accident insurance policy helps protect you and your family from significant financial strain due to critical medical conditions resulting from accidents. Secure your family's future and be prepared for any unforeseen emergencies.
For any queries about the Care Secure accidental insurance plan, please email us at [email protected] or call us at 1800-4200-269.
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