Care(Formerly Religare) Personal Accident Insurance Plan - Secure

Plan highlights of Care Personal accident insurance online

Accidental Death:
In case of a tragic loss, we provide for financial support to the family by paying the sum insured to the nominated family member.

Reconstructive Surgery covered:
Get compensated for fractures pertaining to a surgery, advised by your medical practitioner in case of an accident.

Child education also covered:
In the event of an accident resulting in insured's demise or PTD, we'll take care of his child's education ensuring that their future is not compromised.

Permanent total / Partial Disablement:
Based on severity of loss of body part due to accident, we also pay a pre-defined percentage of the sum insured.

Disappearance covered:
In the event that an accident leaves the insured missing (forced landing, stranding, sinking, wrecking, etc.) for more than 1 year and the insured's demise has been reasonably established, we will pay the sum insured to the nominee.

Mobility cover:
If an injury causes permanent total disability and requires one to use prosthetic devices like artificial arms, legs or eyes, orthopedic braces and medical equipment like wheelchairs or hospital beds, we will reimburse the expenses towards these.

Domestic Road ambulance:
If an accident related injury requires emergency medical evacuation, we'll reimburse the ambulance expenses incurred.

Eligibility of Care accidental insurance policy

1. Minimum entry age: 91 days
2. Maximum age: Child - 24 years Adult: 70 years
3. Renewal: Lifelong Renewability. The policy can be renewed under the then prevailing Health Insurance with Maternity Benefit Product or its nearest substitute approved by IRDA
4. Age of proposer: 18 years or above
5. Policy Issuance: Policy issuance is subject to the underwriting review and approval.
6. Occupational Change: Please inform us incase of any change in your profession/ occupation/ nature of duty/ industry of employment immediately for continuance of your policy.
7. Document Verification: You may be called for document verification & may be required to submit relevant documents for underwriting review

Exclusions of Care Personal accident plan

1. Any pre-existing injury or physical condition
2. Any intentional self-inflicted injury, suicide or attempted suicide, sexually transmitted conditions, mental or nervous conditions, insanity, disorder, anxiety, stress or depression
3. The Insured Person flying in an aircraft other than as a fare paying passenger in a Scheduled Airline
4. The Insured Person engaging in sporting activities in so far as they involve the training for or participation in competitions of professional sports, unless declared beforehand and agreed by the Company in writing subject to additional premium being recieved and incorporated accordingly in the Policy
5. Insured Person serving in any branch of the military, navy or air-force or any branch of armed Forces or any paramilitary forces
6. Any claim related to Hazardous Activities
7. Persons whilst working with in underground mines, explosives, press, activities like racing on wheels or horseback, winter sports, canoeing involving white water rapids, any bodily contact sport
8. Claim arising out of mental illness, stress, psychiatric or psycho logical disorders.