Care Health Insurance
Care Secure personal accident policy covers accidental death, permanen ...Read More
A quick read on what this Care Health Insurance plan covers and why it might be a fit for you.
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.
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
*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.
A quick honest summary — the strengths and the trade-offs.
Every CMS-driven coverage flag from the plan wording — only items with a published value render below.
| 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. |
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.
What the plan pays for, and what it doesn't.
Eligibility criteria pulled straight from the policy wording.
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 helpdesk@policyx.com or call us at 1800-4200-269.
The 5 most-asked questions about Care Secure Personal Accident, answered.
A strong accident-focused plan offering income and disability protection, but should complement a co
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