Network hospitals
9747+
Incurred claim ratio
53.82%
Sum insured
Up to 6 CR
No. of Plans
14
Solvency Ratio
1.8
Pan India Presence
-
PolicyX.com is a Recognised Care Partner View Certificate
Network hospitals
9747+
Incurred claim ratio
53.82%
Sum insured
Up to 6 CR
No. of Plans
14
Solvency Ratio
1.8
Pan India Presence
-
PolicyX.com is a Recognised Care Partner View Certificate
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.
Read below the list of standard exclusions or the conditions that are not covered under the Care Secure personal accident policy:
Any pre-existing conditions
Self-inflicted injury, stress, mental disorders and likewise
An attempt to suicide/committed suicide, or an act of harming oneself intentionally
Abusing intoxicants or hallucinogens; drugs and alcohol
Uncertainties caused due to adventure sports (unless it's specifically opted while accessing the policy based on additional premium payment)
Treatment of obesity/weight control treatment and cosmetic/plastic surgery
Breach of law/Unlawful activities that involve criminal intent
Insured who is serving in the military, navy, air force, paramilitary forces and so on
War, that is the act of war, foreign enemy, public defence, rebellion, p>insurrection, military, chemical, radioactive or nuclear contamination
Claims due to psychiatric or psychological disorders
Sexually transmitted diseases, etc
For a detailed list of exclusions (what's not covered), check through the terms & conditions of your policy documents.
Care Health Insurance promises a wide Network of cashless Hospitals across India. A well connected network of over 9747+ cashless hospitals, Care Health Insurance ensures that you are medically secured, irrespective of the city you reside in
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.
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Simran has an experience of 3 years in insurance content writing. She transitioned from hospitality to the insurance industry after her emerging interest in how vast insurance is. With her ability to write complex insurance concepts in a simple, relatable manner she keeps her audience hooked and solves their doubts smoothly.
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