Personal Accident Insurance

Personal Accident Insurance Secure

Comprehensive Personal Accident Cover
Accidental Death Compensation
Permanent Total Disablement
Permanent Partial Disablement

Policy Terms

Entry age - Minimum 91 days

Entry age - Maximum Adult 70 years and Child 24 years

Lifelong Renewability

Policy Issuance Policy issuance is subject to the underwriting review and approval

Exclusions

Any pre-existing injury or physical condition.

Any intentional self-inflicted injury, suicide or attempted suicide, sexually transmitted conditions, mental or nervous conditions, insanity, disorder, anxiety, stress or depression.

The Insured Person flying in an aircraft other than as a fare paying passenger in a Scheduled Airline.

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.

Insured Person serving in any branch of the military, navy or air-force or any branch of armed Forces or any paramilitary forces.

Any claim related to Hazardous Activities.

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.

Claim arising out of mental illness, stress, psychiatric or psycho logical disorders.

What is Personal Accident Insurance?

Personal Accident Insurance is an insurance cover provided by an insurer to an individual in case of an accident. With accident insurance, one is eligible for financial support in case of injury and financial compensation in case of permanent or partial disability or death due to accident.

Personal Accident Insurance by Care

With the number of vehicles increasing on the roads and rash driving being at its prime, ensuring safety on the streets is a big challenge. Such unavoidable circumstances can lead to serious injuries and sometimes death as well. To safeguard against the financial losses due to such unforeseen events becomes essential. This is when personal accident insurance kicks in. It offers coverage in the following cases:

The death of an insured person due to an accident
When the insured person is permanently or /partially disabled due to an accident
Depending on the plan you choose, the premium costs and the amount of sum insured would vary. Also, there is a variety of other factors as well that play an important role in determining the premium you will have to pay for personal accident insurance, such as coverage for burns, reconstructive surgery ambulance allowance, child education benefit, optional covers, etc.

At Care Health Insurance, we believe that health and happiness go hand-in-hand. That's why we bring you Secure- A Personal Accident Insurance that directly addresses the concern, which can arise as a result of a serious accident.

Why is it Important to Buy a Personal Accident Insurance?

Many of our life experiences teach us how unpredictable situations can be. Accidents can occur anytime and anywhere, and cause physical, emotional, and financial damages. A personal accident can bring stressful moments for a family, including financial difficulties. Hence, it is advisable to choose a Personal Accident Insurance Plan to deal with such uncertainties. Such insurance plans minimise the impact on one's savings by providing financial compensation, including coverage for injuries, medical treatment, and even death.

Features of Personal Accident Insurance

Personal Accident Insurance offers the following coverage:

Accidental Death Cover
Permanent Total Disablement (PTD)
Permanent Partial Disablement (PPD)
Cover for injuries like burns and fractures
Cover for major diagnostic tests
Coverage for charges of domestic road ambulance, repatriation, and funeral expenses
Reconstructive Surgery Cover
Child Education Cover Mobility Cover
Disappearance
Optional covers include:
Cover for Accidental Hospitalization
Permanent Partial Disablement Improvement
Permanent Total Disablement Improvement
Temporary Total Disablement (TTD)
* Optional covers are available on payment of additional premium

Benefits of owning a Personal Accident Insurance Policy

Personal accident insurance offers a range of benefits, such as:

Cover financial loss resulting from the accident and treatment of injuries like burns and fractures
Compensation of loss due to Permanent Total Disablement (PTD) and Permanent Partial Disablement (PPD)
100% of the sum insured paid to the family in case of accidental death of the insured person
Other benefits like cover for daily allowance, reconstructive surgery, domestic road ambulance, repatriation and funeral expenses, and expenses for education of a dependent child
Hassle-free claim procedure

What is not covered under Personal Accident Insurance Policy?

Any self-inflicted injury, suicide or attempted suicide, sexually transmitted conditions, mental or nervous conditions, insanity, disorder, anxiety, stress, or depression
The Insured Person flying in an aircraft other than as a fare-paying passenger in a Scheduled Airline
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 received and incorporated accordingly in the policy
An insured person serving in any branch of the military, navy or air-force or any branch of armed Forces or any paramilitary forces
Any claim related to Hazardous Activities
Persons whilst working within underground mines, explosives, press, activities like racing on wheels or horseback, winter sports, canoeing involving white water rapids, any bodily contact sport
Claim arising out of mental illness, stress, psychiatric or psychological disorders