Save tax up to ₹75,000 ~ u/s 80D.
support_agentHelp
Save tax up to ₹75,000 ~ u/s 80D.
support_agentHelp
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?
As the name suggests, personal accident insurance cover is a type of mediclaim 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. Individuals should opt for personal accident insurance online to protect themselves and their loved ones against financial losses from unexpected life events.
With Care Personal Accident Insurance, we ascertain that an unfortunate accident does not catch you unprepared. Our policy coverage financially secures you and your family during life’s most dreadful events like accidental deaths, fractures, bodily injury, permanent disability, etc. With a lifelong renewability option, our accident plan comes with sum insured options up to 50 lakhs— helping you and your loved ones overcome financial difficulties during unprecedented events.
Exclusive Accidental Insurance Policy with Death Compensation
Health insurance for domestic and global coverage up to 6 crore
A Safety Net that Protects You Against Medical Emergencies
Ensuring safety on the streets is a big challenge with the increasing cases of road rage and accidents. Such 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 50 lakhs, Care Health Insurance Personal Accident Policy offers the following adequate benefits:
Every health insurance policy has a set of situations or conditions where medical cover is not provided. It is important to carefully go through the policy documents to be aware of the scope and limitations of your policy. The following events are not covered under Secure- Personal Accident Cover:
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 disablity. A personal 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. Care 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.
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. But it is advised to consult with a tax professional to check with your policy details.
Let us learn further about the possible tax benefits covered under a personal accident policy:
At Care Health Insurance, the personal accident insurance premium start from as low as INR 1960 for a 10-lakh coverage for an individual aged 30 years and earning around 8 LPA. You can opt for higher sum insured options, including 15, 20, 25, 30, and 50 lakh.
| Key Features | ₹10L | ₹15, 20, 25 & 30L | ₹50L |
|---|---|---|---|
| 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 |
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.
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. |
To understand the benefits of a personal accident cover, it is important to learn how it is different from a life insurance policy.
| Accidental Insurance | Life Insurance |
|---|---|
| Personal accident insurance plans are specifically designed to cover accident-related losses, including the policyholder's death as a result of the accident. Also, these plans offer cover for hospitalisation, total or partial disablement, reconstructive surgery, ambulance costs, etc. | Life insurance plans provide coverage to policyholder’s beneficiaries wherein they receive a fixed amount as a lump sum upon the policyholder’s death or the policy’s maturity, whichever is early. Whether accidental or natural, a life cover provides death benefits with a few exclusions. |
For all your healthcare and medical coverage needs, you can opt for our 1 Crore Health Insurance Plan
Look for hospitals around you
Yes, you can opt for multiple individual accident policies and can file a claim under the desired plan.
Our Secure- Personal Accident Plan costs around INR 1960 for a 30-year-old person with an annual 10-lakh sum insured coverage. This premium cost is subject to policy terms.
Under any accidental circumstances, you must file a claim within 30 days of the insured person’s discharge from the hospital or completion of treatment or date of death, whichever is later.
No, death during a surgery is not considered as an accidental incident and thus it is not covered under personal accident policy.
The minimum entry age for availing the personal accident insurance coverage is 18 Years. And the maximum age is 70 years
You can buy PA cover for your family on an individual basis as per policy terms.
You can claim from your policy immediately after the policy issuance, provided that the unforeseen event has happened after the issuance of the policy with no involvement of pre-existing conditions.
Several health insurance policies offer coverage for accident-related expenses, including emergency hospitalisation. However, having a separate personal accident insurance cover is a must as there are a lot of associated benefits. Such plans are designed to provide coverage to accident-related expenses. They prove to offer more than health policies by covering defined accidental death, disability, and burns scenarios.
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
Get the best financial security with Care Health Insurance!
Sales:phone_in_talk1800-102-4499
Services:
8860402452
Buy Now
Live Chat
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."
