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
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.
Here is an illustration of the eligibility criteria for the personal accident insurance policy by Care Secure:
Entry Age
Child: 91 days - 24 years
Adult Entry Age
18 - 70 years
Plan Type
Individual
Policy Term
1/2/3 years
Sum Insured (in Rs.)
INR 10 - 50 L
Initial Waiting Period*
No waiting period for accidental claims
*The Initial Waiting Period is the 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.
To know more about the plan read the brochure provided below:
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.
Care Health Insurance offers a wide range of health insurance plans to fulfill the medical needs of individuals, families, and senior citizens.
Comprehensive
A comprehensive health plan for individual and family with SI of 3 lacs to 6 Cr. with global coverage.
Unique Benefits
Comprehensive
A plan designed to provide coverage for the high expenses occurred from major surgeries and procedures.
Unique Benefits
Flexible
A flexible health plan that covers advanced technology methods, unlimited e-consultations and personal accidents.
Unique Benefits
Comprehensive
A comprehensive family floater plan that decides your policy premium based on the living cost of the city you reside in.
Unique Benefits
Affordable
Enjoy the advantage of 1 crore cover and multiple benefits at lower monthly premiums with this affordable individual & family floater plan.
Unique Benefits
Maternity
A maternity health insurance plan with child cover. This plan protects individuals and families during medical emergencies.
Unique Benefits
Standard
A standard comprehensive plan mandated by IRDAI that offers coverage for both Ayurvedic or Allopathic treatments.
Unique Benefits
Diabetes & BP
Get medical coverage for pre-existing diseases like BP, diabetes without any waiting period by bearing a co-pay of 20-30%.
Unique Benefits
Heart Diseases
Individuals with pre-existing cardiac diseases can get coverage against medical treatments by paying 20-30% of co-payment for every claim.
Unique Benefits
Cancer Care
Offers lifelong coverage against cancer and the cost of its treatment with several other benefits.
Unique Benefits
Top-Up Plan
A super top-up health insurance plan to provide extra medical cover on the basis of policy deductible principle.
Unique Benefits
Senior Citizen Plan
Comprehensive health plan for people above 60 to make their second inning stress-free from health-related financial worries.
Unique Benefits
Critical Illness Plan
Offers coverage against 32 critical illnesses that are pre-defined under the policy such as catastrophic burns, coma, etc.
Unique Benefits
Supreme Plan
A unique healthcare plan offering extensive coverage to individuals and families under a single plan with affordable premiums.
Unique Features
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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Jayant Vigraha
Dehradun
April 8, 2024
One of my friends recommended me to buy the Care Supreme health policy and I can guarantee, you will never regret buying it with the guidance of PolicyX.
Ayush Sharma
Kochi
April 8, 2024
I ported my previous health insurance to Care and so far I got my claims settled easily. Last year also, I was admitted due to an accidental injury which was later covered by Care health insura...
Shubhada Mandavi
Jaipur
April 8, 2024
I’m expecting this year and I’m so happy to know that my husband had bought the Care Joy maternity health policy in advance. I’m hopeful that the company will cover my deliver...
Prachi Shambhavi
Lukhnow
April 8, 2024
The user experience of PolicyX is so seamless and effective that I compared many health plans and chose the Care Supreme health insurance for my family which is a really good investment in my 2...
Arjun Singh
Pune
April 8, 2024
From seamless transportation to the hospital to hospitalisation for COVID, Care Senior Citizen plan helped me in all. Thank you PolicyX for recommending the plan
Dheeraj Shah
Kolkata
April 8, 2024
A family friend asked us to consult with PolicyX for family health plan, we are very happy to take the decision and bought Care Supreme for family
Shalini Mhatre
Delhi
April 8, 2024
The Care Joy health insurance plan that I bought from PolicyX is the best investment for my family planning.
Parasbhai Birla
Chennai
April 8, 2024
I don’t have words to praise PolicyX’s effort in helping me throughout the Care Advantage health policy buying process.
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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