Care Health Secure Personal Accident Insurance Plan: All You Need to Know in 2025

Personal accident insurance has become a vital part of financial planning for Indian families. An unexpected accident can lead to loss of income, hefty medical bills, or even permanent disability. In 2025, the need for a dedicated personal accident cover is higher due to changing lifestyles and increased risks on roads and workplaces. The Care Health Secure Personal Accident Insurance Plan is one of the sought-after options in India, offering a range of unique features and comprehensive protection tailored for today’s needs.

What is the Care Health Secure Personal Accident Insurance Plan?

Care Health Secure Personal Accident Insurance Plan is a specialised personal accident insurance product from Care Health Insurance (formerly Religare Health Insurance). It is designed to provide financial security if the policyholder suffers an accident which causes death, permanent or partial disability, or temporary loss of income due to injury. The plan helps you and your family manage the financial impact that comes with such unfortunate incidents.

Why Consider a Personal Accident Policy in 2025?

Accidents remain one of the leading causes of disability in India. Urbanisation, fast-paced life, and rising number of vehicles increase the chance of accidents. While regular health insurance covers medical expenses to some extent, a dedicated accident insurance plan like Care Health Secure gives targeted benefits such as lump sum payouts for accidental death or disability, which are not always covered under standard mediclaim.

Did you know? According to the Ministry of Road Transport and Highways, over 4.5 lakh road accident cases were reported in India in 2023, leading to more than 1.5 lakh fatalities.

Who Should Buy Care Health Secure Personal Accident Insurance Policy?

• Salaried professionals dependent on regular income
• Self-employed business owners exposed to on-site risks
• Individuals who frequently travel on road for work
• Parents and sole breadwinners
• Outdoor workers and factory employees

The plan is also suitable for young adults seeking to secure their future financial dependency.

Expert insight: Financial planners recommend including personal accident cover as an essential layer in your overall insurance portfolio.

What are the Key Features of Care Health Secure Personal Accident Insurance?

• Covers accidental death and permanent total or partial disability
• Protection against temporary total disablement with weekly benefits
• Optional covers for hospitalisation expenses due to accident
• Child education and family transportation benefits
• No medical check-up required up to a certain age
• Worldwide coverage for accidents
• Flexible sum insured options from Rs 5 lakh up to Rs 1 crore
• Quick claim settlement process

Core Highlights at a Glance

• 24x7 accident coverage anywhere in the world
• Double indemnity for accidental death in public transport (optional)
• Coverage for fractures, burns, and other specific injuries
• Automatic renewal facility
• Affordable premiums starting as low as Rs 500 per year (for basic cover)

How Does Care Health Secure Personal Accident Policy Work?

You pay an annual premium depending on your age, occupation, and coverage amount. If an accident leads to injury, disability, or death, the insurer pays a lump sum or weekly benefit based on the event. This payout is independent of any other insurance you might have and aims to reduce the financial shock.

Did you know? You can buy supplementary covers such as family coverage, hospital daily cash, and air ambulance assistance under this policy.

What is Covered Under Care Health Secure Personal Accident Insurance?

• Accidental Death: Lump sum paid to nominee if policyholder dies due to accident
• Permanent Total Disability: Full sum insured paid on loss of both limbs, both eyes, or similar injuries
• Permanent Partial Disability: Percentage of sum insured paid depending on severity of injury
• Temporary Total Disability: Weekly income compensation up to 100 weeks if unfit for work
• Ambulance Charges: For emergency transport post-accident
• Children Education Benefit: Education expense for dependent kids in case of claim
• Hospitalisation Expenses (optional): Actual hospital treatment cost after accident

What is Not Covered Under the Policy?

Like all insurance products, there are certain exclusions:

• Self-inflicted injury or suicide attempt
• Pre existing disabilities at the time of policy purchase
• Accidents under the influence of alcohol or narcotics
• Participation in war or unlawful activities
• Non accidental bodily injuries or illness

People also ask: Are adventure sports accidents covered? Typically, accidents during professional sports or hazardous hobbies like mountaineering are not covered, unless separately specified in the policy.

How to Apply for Care Health Secure Personal Accident Insurance?

• Fill out the proposal form online or at a Care Health Insurance branch
• Provide KYC documents and address proofs
• Choose your sum insured and add on covers as per need
• Pay the premium digitally or by cheque

There is generally no requirement for pre-policy medical check up below a certain age (usually up to 65 years).

Claim Process for Care Health Secure Personal Accident Plan

The claim process is designed to be simple and fast to provide quick relief:

• Notify the insurer about the accident as soon as possible
• Submit copy of FIR, hospital records, and identity proof
• For disability claims, submit a disability certificate from government medical authority
• All documents can be uploaded online or submitted at branch
• The insurance company usually settles claims within 7 to 14 working days after document verification

Expert insight: Always keep claim forms and documents ready in your email for instant access in an emergency.

Pros and Cons of Care Health Secure Personal Accident Insurance

Pros

• Comprehensive coverage for various types of disability and accidental death
• Worldwide protection ensures claims remain valid during overseas trips
• Highly affordable plans for all income groups
• Quick and simple claim process
• No medical test required for most applicants

Cons

• Limited coverage for high risk adventure sports
• Pre existing disabilities are not included
• Strict documentation may delay claim if paperwork is missing

Quick Recap: Why Choose Care Health Secure Personal Accident Insurance?

Here is a snapshot of why this policy fits the needs of modern Indian families:

• Covers both major and minor injuries
• Provides financial support during recovery
• Extra benefits for child education and family transport
• No stress of medical screenings for young buyers
• Reliable and widespread network of claim service

Did you know? Many employers do not provide comprehensive accidental cover to their employees, making an individual plan necessary.

Comparison: Care Health Secure Personal Accident vs. Other Insurers

People also ask: Is it better to buy accident insurance from standalone insurers? Standalone or specialist health insurers often have better claim settlement ratios for health and accident products compared to general insurers who handle multiple product lines.

FAQ: Important Questions About Care Health Secure Personal Accident Plan

Q: Can I buy the policy for my spouse and children?
A: Yes, family floater and individual options are available.

Q: What documents are required for claim settlement?
A: FIR, hospital reports, disability certificate, identity proofs, and claim form.

Q: Is there a waiting period for coverage?
A: Accident coverage is active from day one, except for specific optional covers.

Q: Can I increase my sum insured later?
A: Policyholders may increase or upgrade at the time of renewal with approval.

Q: How are the premiums calculated?
A: Premium depends on age, occupation risk group, and sum insured.

Expert insight: Check the list of network hospitals for emergency assistance and cashless benefits.

TL;DR (Quick Recap)

• Care Health Secure Personal Accident Insurance is a robust policy for accidental death and disability.
• It gives worldwide accident coverage, optional hospitalisation and income benefits.
• Minimal paperwork, no medical test needed for most ages.
• Fast and transparent claim settlement.
• Ideal for salaried, self employed, frequent travelers, and families with dependents looking for safety net from accident risks.

People Also Ask: FAQs

What are the main exclusions under Care Health Secure Personal Accident Insurance?

This plan does not cover self inflicted injuries, accidents under influence of alcohol, war, or pre existing disabilities.

How soon can I make a claim after policy purchase?

Coverage is effective immediately, so claims can be filed for eligible accidents from day one of policy issuance.

Will my premium increase if I claim?

Premiums do not increase automatically after a claim unless you change sum insured or risk category at renewal.

Can NRIs or foreign travelers buy this policy for travel in India?

Yes, as long as the applicant fulfills KYC requirements and resides in India during policy issuance.

Is hospitalisation due to accident covered automatically?

Hospital expense cover is available as an optional rider with extra premium.

Sources

• Care Health Insurance Official Brochure
• IRDAI Road Accident Statistics 2023
• Ministry of Road Transport Reports