Care (Formerly Religare) Health Insurance

Care (Formerly Religare) Personal Accident Insurance Plan

Care (Formerly Religare) health insurance has designed Secure - Personal Accident Cover that directly addresses every concern which can arise as a result of a serious accident.

Key highlights of Care (Formerly Religare) 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
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Care Health Insurance Review

Care Health Insurance
Care Health Insurance sum insured
4 lacs − 600 lacs options available
Incurred Claims Ratio *
55.00%
Care Health Insurance tenure options
1, 2 or 3 years options available
Claims Settlement Ratio **
93.44%
List of network hospitals
7,400+ hospitals
Number of policies issued *
6,91,739
Maximum family floater coverage
Self, Spouse + dependent (children + parents)
Number of lives covered *
1,07,13,000
* As per IRDAI report for 2018-19   |   ** As per NL25 data published on the Insurance Company website

Care (Formerly Religare) Personal Accident insurance - review

  • Eligibility
  • Features
  • Benefit Table
  • Exclusion

Eligibility of Care (Formerly Religare) 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 (Formerly Religare) 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 (Formerly Religare) 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 (Formerly Religare) 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.

Brochure

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Policy wordings

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    710, 6th B Cross, 16th Main Road, Koramangala 3rd Block, Bangalore - 560 034.

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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2022
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