An unexpected accident may leave you bedridden and force you to take a temporary or permanent leave of absence from your job. Depleting your income and thwarting whatever plans you may have had for your loved ones, can have an impact on both your present and future financial situation. As you can see, after an accident, your life can drastically change in a matter of minutes. not just yours, but also that of your family. For your safety today and tomorrow, we are bringing to you Secure, a personal accident insurance plan.
Accidental Death: Provides the family with financial help and pays the named family member the amount covered for the unfortunate loss.
Permanent Total Disablement (PTD): Pays 50 to 100% of the insured amount, depending on the seriousness of the loss and injury caused by the accident.
Permanent Partial Disablement (PPD): according to the degree of the loss caused by the accident, the plan pays a predetermined portion of the insured amount.
Fractures and Burns: Get coverage for accident-related fractures and burns, according to their severity.
Reconstructive Surgery: Insurance coverage for surgical costs on the advice of your doctor in the event of an accident.
Child Education: We will take care of the child's education if an accident results in the insured's death or PTD, guaranteeing that their future is not jeopardized.
Major Diagnostics Tests: If you have been injured in an accident, you can, without hesitation, undergo any diagnostic procedures like a CT scan or an MRI if a doctor so recommends.
Domestic Road Ambulance: If an accident-related injury necessitates an emergency medical evacuation, we will cover the corresponding ambulance costs.
Benefit from the following coverage options by choosing Accidental Hospitalization:
- Daily Expenses: Get your out-of-pocket expenses, such as transportation, attendant fees, meals, etc. repaid through a fixed amount, per day of hospitalization, in the event of hospitalization due to an accident.
- Nursing Care: If your injury (PTD or PPD) necessitates the care of a Qualified Nurse, we will cover the costs spent, provided that a medical professional has prescribed the need for such care.
- Mobility Cover: If an injury results in PTD and necessitates the use of orthopaedic braces, prosthetic devices such as artificial limbs, legs, eyes, wheelchairs, or hospital beds, we will cover the costs associated with these.
- Disappearance: If an accident results in the insured being lost for more than a year (due to a forced landing, stranding, sinking, or wrecking of a common carrier), and it has been fairly determined that the insured passed away, we will pay the insured's the sum insured to the nominee.
- Repatriation of Mortal Remains: In the event of a fatality, we will pay the costs associated with transporting mortal remains to the city of domicile.
|Plan Details||Secure 2||Secure 3||Secure 4|
|Sum Insured||15/20/25/30 Lacs||50 Lac, 1cr, 2cr, 3cr||Above 3 cr upto 25 cr|
|Accidental Death||Sum Insured||Sum Insured||Sum Insured|
|Permanent Total Disability||Yes||Yes||Yes|
|Permanent Partial Disability||Yes||Yes||Yes|
|Fractures||Upto 1 lac||Upto 2 lacs||Upto 3 lacs|
|Child Education||10 % of Sum Insured||10 % of Sum Insured||10 % of Sum Insured|
|Major Diagnostics Tests||Upto Rs. 15,000||Upto Rs. 25,000||Upto Rs. 50,000|
|Disappearance||Sum Insured||Sum Insured||Sum Insured|
|Mobility Cover||Upto Rs. 15,000||Upto Rs. 25,000||Upto Rs. 50,000|
|Burns||Upto 10 Lacs||Upto 20 Lacs||Upto 25 Lacs|
|Domestic Road Ambulance||No||Upto Rs. 5,000||Upto Rs. 5,000|
|Nursing Care||No||Rs. 1,000/day for max 15 days||Rs. 1500/day for max 15 days|
|Reconstructive Surgery||No||Upto 10 Lacs||Upto 20 Lacs|
|Repatriation of Mortal Remains||No||2% of the Sum Insured or Rs. 1,00,000, whichever is lower||2% of the Sum Insured or Rs. 1,00,000, whichever is lower|
|Add-on Benefits: Accidental Hospitalization*|
|Hospitalization Expenses||Upto 1 Lac||Upto 5 Lacs||Upto 10 Lacs|
|Daily Allowance||Rs. 500/day for max 5 days||Rs. 500/day for max 5 days||Rs. 500/day for max 5 days|
|Compassioante Visit||Upto Rs. 15,000||Upto Rs. 25,000||Upto Rs. 50,000|
*Add-on benefit is available at payment of additional premium