Save tax up to ₹75,000~ u/s 80D
Save tax up to ₹75,000~ u/s 80D
Accidents can happen anywhere and can cause indefinite degree of personal damage. A personal accident insurance policy can relieve your financial burden in case of any risk to life during accidents such as burns, fractures, disability, and other severe injuries.
View MoreReasons to Choose Care Health Insurance?
Personal accident insurance is a type of insurance that provides financial support during medical emergencies arising from accidents, injuries, accidental death, and disability. The policy acts as an agreement wherein the insurer promises the policyholder (or his beneficiaries) a payment up to the sum insured in the event of pre-defined accidental scenarios.
In Personal Accident Cover, Care Health Insurance offers sum insured options up to 3 Cr. for covering accidental death, injuries like burns and fractures, permanent total and partial disabilities, road ambulance cover, etc.
At Care Health Insurance, we offer multiple health plans catering to the diverse needs of the individuals. You can choose from some of our best-selling health insurance plans:
Exclusive Accidental Insurance Policy with Death Compensation
Health insurance for domestic and global coverage up to 6 crore
Ideal for families looking for capless coverage
There are two main categories namely:
Here are some of the reasons highlighting why one must invest in personal accident insurance plans:
Financial Protection from Accidents & Injuries
Unexpected incidents like fractures, burns, accidents, etc., can drain all your savings in no time. Care Health Insurance ‘Secure’ plan protects you from financial losses due to accidents, injuries, and disability.
Lifetime Security for Family Members
More than emotional support, your family needs financial backing to get through the unfortunate times of accident, death, or disability. A premium accident cover promises financial security to your loved ones.
Essential for People at Hazardous Workplaces
People working in dangerous industries like mining, production, etc., must protect their family with a personal accident insurance scheme to ensure coverage against workplace hazards.
Lowers Disability Treatment Expenses
Whether permanent or partial, disabilities can turn your life upside down— burdening you with treatment costs. A high-value person accident plan ensures you can continue the treatment without financial stress and burden.
Enhanced Coverage with Add-on Benefits
Care personal accident insurance online helps you beyond accidental death and disability. To extend financial support, we offer useful add-on benefits like accidental hospitalisation, daily allowance, OPD cover, etc.
| Key Features | ₹10L | ₹15, 20, 25 & 30L | ₹50L/1/2/3 cr. |
|---|---|---|---|
| Accidental Death | Up to the Sum Insured | Up to the Sum Insured | Up to the Sum Insured |
| Permanent Total Disablement | ✔ | ✔ | ✔ |
| Permanent Total Disablement Improvement | × | ✔ | ✔ |
| Permanent Partial Disablement | ✔ | ✔ | ✔ |
| Permanent Partial Disablement Improvement | × | ✔ | ✔ |
| Fractures | Up to ₹ 50,000 | Up to ₹ 1,00,000 | Up to ₹ 2,00,000 |
| Child Education | × | 10% of Sum insured | 10% of Sum insured |
| Major Diagnosis Tests | × | Up to ₹ 15,000 | Up to ₹ 25,000 |
| Disappearance | × | Sum insured | Sum insured |
| Mobility Cover | × | Up to ₹ 15,000 | Up to ₹ 25,000 |
| Burns | × | Up to ₹ 10,00,000 | Up to ₹ 20,00,000 |
| Repatriation of Mortal Remains | × | × | 2% of SI, Max ₹ 1,00,000 |
| Temporary Total disablement | Up to ₹ 5,000 per week | Up to ₹ 10,000 per week | Up to ₹ 20,000 per week |
| Loyalty Benefit | 5% of Sum Insured | 5% of Sum Insured | 5% of Sum Insured |
| Common Carrier Mishap Cover | × | × | ✔ |
| Mobility Cover | × | Up to ₹ 15,000 | Up to ₹ 25,000 |
| Accidental Hospitalization | Up to ₹ 50,000 | Up to ₹ 50,000 | Up to ₹ 1,00,000 |
The Personal Accident Insurance policy from Care Health Insurance comes with its advantages. Refer to the pictorial representation of the benefits the Personal Accident Insurance offers. You should check our individual insurance plans if you want personal medical coverage. Here are some of the benefits of a personal accident insurance policy:
If you are looking for personal medical coverage, you should check our individual insurance plans.
Personal accident insurance offers tax deductions on premiums and tax-free payouts. However, you must consult a tax professional to check your policy details.Let us learn further about the possible personal accident insurance income tax benefits here:
Let us learn further about the possible tax benefits covered under a personal accident policy:
Sometimes unavoidable circumstances can lead to serious injuries or, worst– death. Thus, it is essential to safeguard yourself against financial losses due to such unforeseen events. With sum insured options starting from 10 lakhs and going up to 3 cr, Care Health Insurance Personal Accident Policy offers coverage for following types of accidents:
The following events are not covered under Secure- Personal Accident Health Insurance Policy
| Category | Terms |
|---|---|
| Minimum Entry Age | 91 days |
| Maximum Entry Age | Child:24 years, Adult: 70 years |
| Renewal | Lifelong |
| Policy Tenure | 1, 2 and 3 years |
| Grace Period | 30 days |
You can opt for Care Personal Accident Insurance Plan by following these steps:
Step 1
Visit the Care official website and head to the ‘Secure’ product page from the ‘View All Products’ menu.
Step 2
In the ‘Get Quote’ section, enter your contact number and pincode to access the quotation form.
Step 3
Share your name, email address, age, and employment status, along with your annual income.
Step 4
Choose the sum insured amount and policy term and view the premium cost on the page’s left corner.
The cost of personal accident insurance depends on certain factors such as:
Considering the rising medical inflation rate, it is recommended that you assess your requirements. Here are some factors one must know while buying a family personal accident insurance plan:
Under our personal accidental insurance, if you opt for the basic standard coverage, you can only file a reimbursement claim. However, if you have enhanced your policy with the optional benefit of accidental hospitalisation, you can avail of the cashless claim settlement facility. Below are the steps involved under both types of claim settlement processes under our personal accidental insurance:
| Cashless Claim Process | Reimbursement Claim Process |
|---|---|
| Step 1: Fill out the pre-authorization form available at the insurance desk and send it to our claim management team Step 2: You will get an approval letter once your claim is verified Step 3: Make sure to respond to queries from the claim management team Step 4: File a reimbursement claim request in case your cashless claim request doesn't go through. |
Step 1: Submit your claim form along with the required documents Step 2: Get the approval letter from the claim management team Step 3: Respond to queries raised by our claim management team Step 4: In case your claim is rejected, our claims team will contact you and share the reasons of rejection at the earliest. |
You have to apply for a reimbursement claim wherein the insurer reimburses your expenses, subject to policy terms and conditions. Here is the list of documents required to submit to file your claim without any further hassle:
| Document | Details |
|---|---|
| Claim Form | A duly completed and signed claim form should be submitted to the insurer. |
| Indoor Case Papers | A copy of key treatment details provided by the hospital shall be submitted. |
| Hospital Discharge Summary | The hospital discharge summary works as the proof of hospitalisation. |
| Payment Receipts | They are important documents, providing evidence of medical expenses and other costs. |
| Consultation Papers | It proves the timeline of your diagnosis as it becomes significantly more difficult to track, and this can lead to delays or even denial of your claim. |
| Medical Reports | Gives the details of the accident, the nature of the injury, the details of treatment provided, and the admission and death summary accident report. |
| Original Death Certificate | If applicable |
| Disability Certificate | Disability Certificate issued by CMO (Chief Medical Officer) as appointed by the Hospital Authorities, if applicable. |
| Newspaper Cutting | A newspaper cutting about the accident, if available. |
Learning how it differs from a life insurance policy is essential to understand the benefits of a personal accident cover. Here is the representation of differentiating between accidental insurance and life insurance:
| Parameter | Accident Insurance | Life Insurance |
|---|---|---|
| Coverage | Personal accident insurance plans are specifically designed to cover accident-related losses, including death, injury and disability. | Under a life insurance policy both accidental and natural death coverage is offered. |
| Premium | The premiums can be higher considering the risk appetite | Comparatively lower |
| Payout | 1, 2 or 3 years | Usually for long term up to 20/25/30 years |
| Exclusions | Doesn’t cover non-accidental event or death | No coverage for suicidal death and risky activities |
For all your healthcare and medical coverage needs, you can opt for our 1 Crore Health Insurance Plan
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Disclaimer : Information above is just for reference. Kindly read T & C of policy thoroughly, Do refer IRDAI guidelines for tax exemption conditions.
~Tax benefit is subject to changes in tax laws. Standard T&C Apply
**Number of Claims Settled as of 31st March 2024
^^Number of Cashless Healthcare Providers as of 31st March 2024
^10% discount is applicable for a 3-year policy
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Terms & Conditions of Premium Quote Generation
"Care Health Insurance Ltd & associate partners may contact you to assist you with website navigation of www.careinsurance.com and assist in proposal filling."
