Care Secure - Personal Accident Insurance

Policy Benefits

• The sum insured is paid in case of an unfortunate event of Accidental Death (AD).
• Accidental Permanent Total Disablement (PTD) is covered up to the sub-limits specified under the policy.
• Accidental Permanent Partial Disablement (PPD) is covered up to the sub-limits mentioned.
• Fractures arising out of an accident are covered up to the sub-limits specified in the policy. This benefit is applicable for Secure 1, 2, 3 & 4.
• Burns arising out of an accident are covered up to the sub-limits specified. This benefit is applicable for Secure 2, 3 & 4.
• Reconstructive surgery advised by a medical practitioner in case of an accident are covered. This benefit is applicable for Secure 3 & 4.
• Child education is covered, in the case of the insured’s AD/PTD, up to the limits specified under the policy. This benefit is applicable for Secure 2, 3 & 4.
• Major diagnostic tests such as CT scans, MRI, etc in case of accidental injuries are covered up to the sub-limits specified. This benefit is applicable for Secure 2, 3 & 4.
• In the case of PTD/PPD, expenses incurred towards nursing care are payable, a maximum of 15 days. This benefit is applicable for Secure 3 & 4.
• In the case of PTD and requires you to use prosthetic devices, a Mobility cover is provided under this plan. This benefit is applicable for Secure 2, 3 & 4.
• Due to an accident, if the insured is missing for more than 1 year and his/her demise has been confirmed, an amount up to the sum insured is paid to the nominee. This benefit is applicable for Secure 2, 3 & 4.
• Repatriation of mortal remains is covered, in the event of accidental death. This benefit is applicable for Secure 3 & 4.
• The daily allowance is available as an add-on cover. This benefit is payable for a maximum of 5 days.
• Accidental Hospitalization expenses such as room charges, ICU charges, doctor/surgeon fees, operation theater charges, etc are covered. It is available as an add-on cover.
• Compassionate visit/Cost of economy airfare for the family member’s visit is covered as an add-on.

Value Added Benefits

• Expenses incurred towards domestic road ambulance are covered. This benefit is applicable for Secure 3 & 4.
• Enjoy lifelong renewability and get covered throughout your life.
• Get 5% discount upon covering 2 or more family members.
• Grab 7.5%/10% discount on choosing 2/3 year policy.
• Avail loyalty/direct sourcing discount of 10%/15% under this policy.
• 15% discount is available for employee and their dependents of Care Enterprises, Corporation bank, Union bank of India & is subsidiaries.
• Enjoy cashless hospitalization at 4900+ leading hospitals in any part of India.

Sub Limits

• Permanent Total Disablement is covered between 50% to 100% of the sum insured (SI), depending on the condition.
• Permanent Partial Disablement is payable in a range of 1% to 75%. Any condition if not mentioned under the policy would be covered in accordance with the medical assessment that would not exceed 50% of SI.
• Fractures are covered between Rs 50,000 to Rs 3 Lacs, as per the plan opted.
• Burns are covered between 10 Lacs to 25 Lacs, as per the plan chosen.
• Reconstructive surgery is covered for 10 Lacs/20 Lacs for Secure 3 & Secure 4 respectively..
• Child education is covered up to 10% of SI.
• Major diagnostic tests are covered in-between Rs 15,000 to Rs 50,000, depending on the plan chosen.
• Domestic road ambulance is covered for Rs 5,000.
• Nursing care is covered for Rs 1,000/1,500 per day for Secure 3 & Secure 4 respectively.
• Mobility cover is available in between Rs 15,000 to Rs 50,000, depending on the plan opted.
• The amount required for transportation of mortal remains is covered up to 2% of SI or Rs 1 Lac, whichever is less.
• A daily hospital allowance of Rs 500 per day is payable under this policy.
• Hospitalization expenses are covered up to 1 Lac in this policy.
• The compassionate visit is covered in a range of Rs 15,000 to Rs 50,000, depending on the plan opted.

Waiting Period Clause

No waiting period is applicable under this policy.

 

Premium Benefits:

• Mobility cover
• Burn damage cover
• Domestic road ambulance cover
• Fracture cover