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

About Care Secure Personal Accident

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, treatment costs, accidental burns, fractures, mortal remains mobility, and more.

This individual personal accident insurance policy provides financial support to family members, including legally married spouses, children, parents, grandparents, grandchildren, and other dependent relatives of the policyholder.

The lifelong renewability benefit of this policy provides educational support to your children, ensuring a bright future, with or without your presence, in the event of an accident leading to demise or permanent total disablement.

This page discusses everything you need to know about the Care Secure insurance policy. Read further to learn more.

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

Every CMS-driven coverage flag from the plan wording — only items with a published value render below.

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

Specification (Inclusions): Care Secure Individual Personal Accident Plan

  • The Care Secure plan for accidental insurance covers emergencies related to the following medical conditions:
Conditions Specifications
Accidental death (AD) If the policyholder passes away, 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 in the event of accidental total disability, depending on the severity of the accident and loss of body parts.
Permanent total disablement (PTD) improvement Policyholders can avail of 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 double the total sum insured, allowing focus on recovery without worrying about treatment expenses.
Fractures The policy will cover the dependent child's educational expenses up to 10% of the sum insured to ensure a better future if the policyholder passes away or suffers permanent total disablement.
Major diagnosis tests In case of a severe accident/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 nominee as a payout.
Mobility cover If the insured is injured leading to PTD, the policy covers reimbursement for prosthetic items and medical equipment up to INR 25,000.
Burns Accidental burns requiring surgery, as prescribed by a doctor, are covered up to 2% of the sum insured, with a maximum of INR 1 Lakh.
Repatriation of mortal remains If the insured dies outside their native place or abroad, compensation for transporting their mortal remains will be covered up to 2% of the sum insured 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 Continuing the policy for further years provides a 5% increase on the base sum insured on the next renewal as a loyalty bonus, up to 50% in total lifetime. Claims during the active policy year will not affect loyalty benefits.
Common carrier mishap cover Coverage for accidental death or permanent total disablement while traveling through common modes of transport like flights and trains.
Tax benefits All 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). The values written in the specification of the benefits are 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.

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 →

Inclusions & exclusions

What the plan pays for, and what it doesn't.

Exclusions

  • Permanent diseases or health conditions not included under the Care Secure Personal Accident Plan are:
  • Hospitalization due to war, riot, strike, and nuclear weapons
  • Intentional self-injury
  • AIDS
  • Miscarriage and abortion
  • Congenital disease
  • Infertility and in vitro fertilization

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

Other features & benefits

Final Thoughts

Life is unpredictable, and we need to be prepared in advance. Accidental injuries or death can put the whole family in a grave situation, potentially ruining their lives. The Care Secure accidental personal insurance policy protects you and your family from depleting your savings on critical medical treatments. Secure your family's future and be prepared for any emergency.

If you have further queries about the Care Secure accidental insurance plan, email us at helpdesk@policyx.com or call us at 1800-4200-269.

Care Secure Personal Accident: FAQs

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: 5 Jul 2024 · Originally published: 19 Nov 2024

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