Care Secure Personal Accident Insurance Plan

Care Secure is an accident insurance product from Care Health Insurance that provides a broad range of features and benefits with top of the line service.

Features & Benefits of Care Secure:

Entry age
  • 18 years to 70 years for proposer.
  • 91 days old to 24 years for children.
Renewal Lifetime renewability.
Sum insured options and policy options. Plan Details Secure 2 Secure 3 Secure 4
  Sum insured Rs.15 lakh, Rs.20 lakh, Rs.25 lakh, Rs.30 lakh. Rs.50 lakh, Rs.1 Crore, Rs.2 Crore, Rs.3 Crore. Above Rs.3 crore to Rs.25 crore.
  Fracture benefit Up to Rs.1,00,000. Up to Rs.2,00,000. Up to Rs.3,00,000.
  Major diagnostic tests Up to Rs.15,000. Up to Rs.25,000. Up to Rs.50,000.
  Mobility Cover Up to Rs.15,000. Up to Rs.25,000. Up to Rs.50,000.
  Burns Up to Rs.10,00,000. Up to Rs.20,00,000. Up to Rs.25,00,000.
  Domestic road ambulance No support. Up to Rs.5,000. Up to Rs.5,000.
  Nursing care No support. Rs.1,000 per day, for a maximum of 15 days. Rs.1,500 per day, for a maximum of 15 days.
  Reconstructive surgery No support. Up to Rs.10,00,000. Up to Rs.20,00,000.
  Repatriation of mortal remains No support. 2% of sum insured or max Rs.1,00,000 – whichever is lower. 2% of sum insured or max Rs.1,00,000 – whichever is lower.
  Hospitalization expenses Up to Rs.1,00,000. Up to Rs.5,00,000. Up to Rs.10,00,000.
  Compassionate Visit Up to Rs.15,000. Up to Rs.25,000. Up to Rs.50,000.
NCB Super Add-on
  • The NCB Super add-on is mandatory for sum insured of Rs.3 lakh and Rs.4 lakh.
  • The NCB add-on is mandatory for sum insured of Rs.5 lakh upto age of 45 years.
Other benefits In addition to the above plan-wise coverage and benefits, Care Secure also provides the following benefits regardless of which plan you choose:
  • Accidental death cover.
  • Permanent Total Disablement (PTD).
  • Permanent Partial Disablement (PPD).
  • Reconstructive surgery that’s required and advised by a medical professional in case of accidents that lead to PTD or PPD.
  • Child education for 10% of the sum insured.
  • Disappearance for 100% of the sum insured. In case the event leaves the insured missing (due to forced landing, stranding, sinking, wreckage, etc.) for more than 1 year and the demise of the insured person has been reasonably established.
  • Mobility cover in case the PTD of the insured person requires the use of prosthetic devices or artificial limbs, orthopaedic braces and medical equipment like wheelchairs, hospital beds, etc.
  • Daily allowance of Rs.500 per day for a maximum of 5 days.
  • Any pre-existing injury, physical or medical condition.
  • Intentional self-injury. Suicide or attempted suicide.
  • Alcohol and/or drug abuse.
  • STDs like HIV / AIDS.
  • Mental or nervous conditions – insanity, disorder, anxiety, stress, depression, etc.
  • Insured person flying in an aircraft in any other capacity than as a fare paying passenger in a scheduled airline.
  • Engaging in sporting activities that involve training and participation in professional sporting competitions, unless declared and agreed upon beforehand. This is subject to additional premium being paid and incorporated in the policy.
  • Service in the armed forces, navy, air force or paramilitary forces.
  • Hazardous activities where the insured places themselves at a higher level of risk.
  • Other activities like working in underground mines, working with explosives, racing on horseback or motor vehicle racing, dangerous water sports like rafting, canoeing in white water rapids and any sport involving bodily contact.
  • Medical expenses for any illness arising within 30 days of the start date of the policy, except those expenses that are a result of injury.
Claim process
  • Cashless service in over 3,100 leading hospitals across India.
  • Direct call number and dedicated service lines.
  • Direct interaction with the company meaning a hassle-free claims process.

Humans are fragile creatures in a tough world. No matter what a person’s daily activities are, they expose themselves to a certain amount of risk every day. With industrial advancements resulting in heavier machinery, bigger cars, faster lifestyles and more dangerous situations, a and secure your family’s future is vital. Care Secure enables easy claims and cashless hospitalization in 8350+ hospitals across the country and has an in-house claims-processing team.

*Disclaimer: Please chose your policy wisely after careful consideration of all policy documents and literature therein. Diligent examination and scrutiny of terms and conditions, exclusions (if any) and conditions on premium payments is strongly advised. This article is purely informational and is not designed to influence your decision in any way.

Find cashless network hospitals nearby: Care Cashless Network Hospitals

Other Health Insurance Plans from Care Health Insurance:

GST rate of 18% applicable for all financial services effective July 1, 2017.

Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

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