Care Personal Accident Insurance, Care Personal Accident Mediclaim Insurance, Care Personal Accident Medical Insurance

Key highlights of Care Personal Accident insurance

Flexible choice of deductible with wide range of Sum Insured options- upto Rs. 60 lacs (Deductible + Sum Insured)

Annual health check-up for insured members - regardless of claims history

Cashless & Hassle-free direct claim settlement with us at 5420+ Hospitals

Avail select medical treatment anywhere in the world with Enhance anywhere feature

No pre-policy medical check-up up to Rs.40 lacs Sum Insured till 50 years of age

Care Personal Accident insurance - review

Eligibility
Features
Benefit Table
Exclusion

Eligibility of Care Personal Accident insurance

Minimum entry age	91 days
Maximum age	Child - 24 years, Adult - 70 years
Renewal	Lifelong renewability, the policy can be renewed under the prevailing health insurance product or its nearest substitute approved by IRDAI
Age of proposer	18 years or above
Policy Tenure	1, 2 or 3 years

Features of Care Personal Accident insurance

Accidental Death: In case of a tragic loss, we provide for financial support to the family by paying the sum insured to the nominated family member.

Permanent Total Disablement: Pays between 50 to 100 percent of the sum insured, based on severity of injury and loss due to the accident.

Nursing Care: If your injury requires the care of a qualified nurse, we will pay for the expenses incurred, if need for the same is prescribed by a medical practitioner.

Disappearance Covered: In the event that an accident leaves the insured missing (forced landing, stranding, sinking, wrecking, etc.) for more than 1 year and the insured's demise has been reasonably established, we will pay the sum insured to the nominee.

Mobility Cover: If an injury causes permanent total disability and requires one to use prosthetic devices like artificial arms, legs or eyes, orthopedic braces and medical equipment like wheelchairs or hospital beds, we will reimburse the expenses towards these.

Repatriation of Mortal Remains: Covers the amount required for transportation of mortal remains to the city of residence, in the event of a fatality.

Benefit Table of Care Personal Accident insurance

Benefits	Secure 1	Secure 2	Secure 3	Secure 4
Sum Insured (in Rs.)	10 lakhs	15 lakhs, 20 lakhs, 25 lakhs & 30 lakhs	50 lakhs, 1 crore, 2 cr & 3 crore	Above 3 Crore up to 25 Crores
Accidental Death	Up to Sum insured	Up to Sum insured	Up to Sum insured	Up to Sum insured
Permanent Total Disablement	Yes	Yes	Yes	Yes
Permanent Partial Disablement	Yes	Yes	Yes	Yes
Fractures	Up to Rs.50,000/-	Up to Rs.1,00,000/-	Up to Rs.2,00,000/-	Up to Rs.3,00,000/-
Child Education	No	10% of Sum insured	10% of Sum insured	10% of Sum insured
Major Diagnosis Tests	No	Up to Rs.15,000/-	Up to Rs.25,000/-	Up to Rs.50,000/-
Disappearance	No	Up to sum insured	Up to sum insured	Up to sum insured
Mobility Cover	No	Up to Rs.15,000/-	Up to Rs.25,000/-	Up to Rs.50,000/-
Burns	No	Up to Rs.10,00,000/-	Up to Rs.20,00,000/-	Up to Rs.25,00,000/-
Domestic Road Ambulance	No	No	Up to Rs.5,000/-	Up to Rs.5,000/-
Nursing Care	No	No	Rs.1,000/- per day, Max for 15 days	Rs.1,500/- per day, Max for 15 days
Reconstructive Surgery	No	No	Up to Rs.10,00,000/-	Up to Rs.20,00,000/-
Repatriation of Mortal Remains	No	No	2% of the Sum Insured or Max Rs.1,00,000; whichever is lower	2% of the Sum Insured or Max Rs.1,00,000; whichever is lower
Loyalty Benefit	Up to 5% sum insured per policy year, Max 50%	Up to 5% sum insured per policy year, Max 50%	Up to 5% sum insured per policy year, Max 50%	Up to 5% sum insured per policy year, Max 50%

Exclusions of Care Personal Accident insurance

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 received 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.