India's 1st IRDAI Approved Insurance Web Aggregator

Religare Secure Personal Accident Insurance

  •   Views
  •   Views

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

Leave a Comment