Religare Secure Personal Accident Insurance Details
Religare Secure Personal Accident Insurance has a broad range of features, add-on benefits, hassle-free procedures and thoughtful services.
Key Features of Religare Secure
Compensates for Accidental death
Also covers Permanent total / partial Disablement
Reconstructive Surgery covered
Child education also covered
Nursing Care
What does the plan cover?
Some of the features which you get with Secure health policy are -
Accidental Death
In case of death due to accident, the policy pays for financial support to the family by paying the sum insured to the nominated family member.
Reconstructive Surgery covered
Coverage provided for expenses pertaining to a reconstructive surgery, advised by your medical practitioner in case of an accident leading to Permanent Total disability or PPD.
Fractures & Burns
Get compensated for fractures and burns pertaining to a surgery, advised by your medical practitioner in case of an accident.
Child education also covered
In the event of an accident resulting in insured's demise or PTD, policy pays for his child's education ensuring that their future is not compromised.
Permanent total / Partial Disablement
Based on severity of loss of body part due to accident, policy pays a pre-defined percentage of the sum insured.
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, policy will pay the sum insured to the nominee.
Mobility cover
If an injury causes PTD and requires one to use prosthetic devices like artificial arms, legs or eyes, orthopedic braces and medical equipment like wheelchairs or hospital beds, the same will be reimbursed by the policy.
Domestic Road ambulance
If an accident related injury requires emergency medical evacuation, policy will reimburse the ambulance expenses incurred.
Eligibility and Restrictions of Religare Secure
| |
Minimum |
Maximum |
| Sum Assured (in Rs) |
15,00,000 |
25 crores |
| Policy Term (in years) |
1, 2, 3 |
| Entry age (Adult) |
18 years |
70 years |
| Entry age (Child) |
91 days |
24 years |
| Renewal age |
- |
Lifelong Renewability |
| Grace period |
30 days from the date of expiry to renew the policy |
| Plan Detail |
Secure 2 |
Secure 3 |
Secure 4 |
| Sum Insured (in Rs.) |
15 Lac, 20 Lac, 25 Lac & 30 Lac |
50 Lac, 1 cr, 2 cr & 3 cr |
Above 3 Crore Up to 25 Crores |
| Benefits |
|
| Accidental Death |
Sum insured |
Sum insured |
Sum insured |
| Permanent Total Disablement |
Yes |
Yes |
Yes |
| Permanent Partial Disablement |
Yes |
Yes |
Yes |
| Fractures |
Up to Rs. 1,00,000 |
Up to Rs. 2,00,000 |
Up to Rs. 3,00,000 |
| Child Education |
10 % of Sum insured |
10 % of Sum insured |
10 % of Sum insured |
| Major Diagnosis Tests |
Up to Rs. 15,000 |
Up to Rs. 25,000 |
Up to Rs. 50,000 |
| Disappearance |
Sum insured |
Sum insured |
Sum insured |
| Mobility Cover |
Up to Rs. 15,000 |
Up to Rs. 25,000 |
Up to Rs. 50,000 |
| Burns |
Up to Rs. 10,00,000 |
Up to Rs. 20,00,000 |
Up to Rs. 25,00,000 |
| Domestic Road Ambulance |
No |
Up to Rs. 5,000 |
Up to Rs. 5,000 |
| Nursing Care |
No |
Rs. 1,000 per day, Max for 15 days |
Rs. 1,500 per day, Max for 15 days |
| Reconstructive Surgery |
No |
Up to Rs. 10,00,000 |
Up to Rs. 20,00,000 |
| Repatriation of Mortal Remains |
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 |
| Add-on Benefit: Accidental Hospitalization |
|
| Hospitalization Expenses |
Up to Rs. 1,00,000 |
Up to Rs. 5,00,000 |
Up to Rs. 10,00,000 |
| Daily Allowance |
Rs. 500 per day, Max for 5 days |
Rs. 500 per day, Max for 5 days |
Rs. 500 per day, Max for 5 days |
| Compassionate Visit |
Up to Rs. 15,000 |
Up to Rs. 25,000 |
Up to Rs. 50,000 |
What is not covered?
- 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
