Care Secure Personal Accident Policy - Compare Features and Benefits
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Care Secure Personal Accident

Care Secure personal accident policy covers accidental death, permanen ...Read More

Up to 1 Cr
Sum insured
1
No. of plans
158+
Pan India presence
97%
Claim settlement ratio
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🛡️ IRDAI Approved
⭐ 4.4/5 · 2,714 reviews
🏥 11,400+ hospitals
📊 1.74 solvency ratio
✅ 97% claim settlement

Care Secure personal accident policy covers accidental death, permanent and temporary partial/total disability, treatment costs, accidental burns, fractures, mortal remains mobility, and more.

Why Do We Recommend This?
  • Accidental death (AD)
  • Accidental total disablement (ATD)
  • Permanent total disablement (PTD) improvement

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
18 to 70 Years
Plan type
Accident Health Insurance
Sum insured options
₹1 L, ₹10 L, ₹30 L, ₹3 L, ₹25 L
Waiting period
N/A
Renewability
Lifelong
Policy term
1,2,3 Years

*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.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • Accidental death
  • Accidental total disablement
  • Permanent total disablement

Cons

  • Illegal activities
  • Alcohol abuse
  • Obesity treatment

What's covered

A quick look at what this plan covers — and what it doesn't.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Not covered
  • Post-hospitalization Not covered
  • Domiciliary hospitalization Not covered
  • Day-care treatment Not covered
  • OPD charges Not covered
  • Covid-19 treatment Not covered
  • Cataract Not covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Not covered
  • Daily hospital cash Covered

Family & special care

  • Maternity cover Not covered
  • New-born baby cover Not covered
  • IVF treatment Not covered
  • AYUSH treatment Not covered
  • Organ donor expenses Not covered

Modern & preventive care

  • Modern treatment Not covered
  • Road ambulance Not covered
  • Air ambulance Covered
  • E-consultation Not covered
  • Health check-up Not covered
  • Second medical opinion Not covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Not applicable
  • Sub-limits Not applicable
  • Compassionate travel Not coveredNot covered
  • Global coverage Covered

Care Health Insurance Network Hospital List

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.

Delhi Mumbai Bengaluru Chennai Kolkata Hyderabad Pune Ahmedabad Jaipur Lucknow

Know More About Network Hospitals →

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Min entry age: 18 Years
  • Max entry age: 70 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 50 L

Frequently Asked Questions

The 5 most-asked questions about Care Secure Personal Accident, answered.

Care Secure plan covers accidental death, injuries, and disabilities (temporary and permanent), sum insured payout on death, and much more.
Daycare procedures related to accidental causes up to a specified limit are covered under this plan.
Accidental conditions that are unfortunate and unpredictable such as falls, burns, cuts, bites, stings, drowning in waterbodies, road accidents, etc are called personal accidents.
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.
Yes, the Care Secure personal accidental plan covers if travelling through the common carrier causes the policyholder’s death.

Conclusion

A strong accident-focused plan offering income and disability protection, but should complement a fu

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Naval Goel — Founder & CEO, PolicyX.com Reviewed by Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 1 Jun 2026 · Originally published: 19 Nov 2024

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