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General Insurance

Secure - Personal Accidental Cover

Eligibility Criteria

Minimum Entry Age 91 days
Maximum Entry Age 70 years of age
 

Benefits

Permanent Total Disability (PTD)

Pays between 50 to 100 percent of the sum insured for the tragic loss and provides for financial support to the family.

Permanent Partial Disablement (PPD)

Pays a pre defined percentage of the sum insured, based on severity of loss due to accident.

 
 
 

Product Features

Accidental Death

Pays the nominated family member the sum insured for the tragic loss and provides for financial support to the family.		 This plan covers for accidental death up to sum insured
Fractures

Get coverage for fractures and burns that have resulted from an accident as per severity. 		This plan covers:
Secure 1
10 lacs		 Secure 2
15, 20,
25, 30 lacs		 Secure 3
50 lac, 1 cr,
2 cr & 3 cr		 Secure 4
Above 3 cr
upto 25 cr
Upto Rs. 50000/- Upto Rs. 1,00,000/- Upto Rs. 2,00,000/- Upto Rs. 3,00,000/-
Child Education

In the event of an accident resulting in insured’s demise or PTD, company will take care of child’s education, ensuring that their future is not compromised.
Secure 2
15, 20,
25, 30 lacs		 Secure 3
50 lac,1 cr,
2 cr & 3 cr		 Secure 4
Above 3 cr
upto 25 cr
10% of Sum Insured 10% of Sum Insured 10% of Sum Insured
Reconstructive Surgery

Coverage for expenses pertaining to a surgery, advised by your medical practitioner in case of an accident. 		This plan provides reconstructive surgery cover for:
Secure 3
50 lac, 1 cr,
2 cr & 3 cr		 Secure 4
Above 3 cr
upto 25 cr
Upto Rs. 10,00,000 Upto Rs. 20,00,000
Nursing Care

If the injury (PTD or PPD) requires the care of a Qualified Nurse, then the company will pay for the expenses incurred, if need for the same is prescribed by a medical practitioner. 		This plan provides nursing care cover for:
Secure 3
50 lac, 1 cr,
2 cr & 3 cr		 Secure 4
Above 3 cr
upto 25 cr
Rs. 1000/- per day;
maximum for 15 days 		Rs. 1500/- per day;
maximum for 15 days
Mobility Cover

If an injury causes PTD and requires an insured person to use prosthetic devices like artificial arms, legs or eyes, orthopedic braces and medical wheel chairs or hospital beds then the company will reimburse the expenses towards these. 		This plan provides nursing care cover for:
Secure 2
15, 20,
25 & 30 lacs		 Secure 3
50 lacs, 1 cr,
2 cr & 3 cr		 Secure 4
Above 3 cr
upto 25 cr
Upto Rs. 15,000/- Upto Rs. 25,000/- Upto Rs. 50,000/-
Disappearance

In the event that an accident leaves an insured missing (forced landing, stranding, sinking, wrecking of an common carrier) for more than 1 year and the insured’s demise has been reasonably established. 		In this plan, company pays till sum insured.
 

Exclusions

  • 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 engaging in sporting activities in so far as they involve the training for or participation in competitions of professional sports, unless declare before hand 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 airforce or any branch of armed forces or any paramilitary forces.
  • Any claim related to hazardous activities.
  • Person whilst working with in underground mines, explosives, press, activities like racing or wheels or horseback or winter sports, canoeing involving white water rapids, any bodily contact sport.
  • Claim arising out of mental illness, stress, psychiatric or psycho logical disorders.
 
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