| Accidental death (AD) |
If there is a condition of the policyholder's demise, the insurer will offer a full sum insured payout to their nominee/s to support their family members through tough times |
| Accidental total disablement (ATD) |
Double the sum insured is an additional benefit of this policy in the condition of accidental total disability, depending on the cruciality of the accident and loss of body parts |
| Permanent total disablement (PTD) improvement |
Policyholders can avail of a double sum insured coverage in case of PTD recovery |
| Permanent partial disablement |
The insurer will pay out for the loss of body parts in an accident up to a specified sum insured limit |
| Permanent partial disablement (PPD) improvement |
The insured can get coverage for PPD improvement up to the double total sum insured so that they can focus on speedy recovery without worrying about treatment expenses |
| Fractures |
Care Secure policy will bear the dependant child's educational expenses up to 10% of the sum insured to ensure a better future if there's a condition of the policyholder's demise or permanent total disablement |
| Major diagnosis tests |
In case of a severe accident/injury, the insured can undergo advanced diagnostic tests like CT scans, MRI and so on, if the medical experts have prescribed it |
| Disappearance of the insured |
If the insured dies and their body goes missing due to sinking, forced landing, stranding, and so on, and the death is validated, the insurer will offer the sum insured to the nominee of their policy as a payout afterwards. |
| Mobility cover |
If the insured gets injured and it leads them to PTD, the policy has reimbursement coverage for prosthetic items (legs, arms, orthopaedic braces, eyes), and medical equipment such as hospital beds, wheelchairs, etc up to INR 25,000 |
| Burns |
Any burns occurring due to an accident and if it needs to undergo surgery on an expert's/doctor's prescription, the policy will cover the burns up to 2% of the SI and a maximum of INR 1 Lakh |
| Repatriation of mortal remains |
If the insured dies outside the native place or abroad, the compensation for carrying back their mortal remains to their place will be covered up to 2% of the SI or a maximum of INR 1 Lakh |
| Temporary total disablement (TTD) |
In the case of TTD, the insured is entitled to receive a weekly compensation of up to INR 20,000 per week (for a maximum of 100 weeks) |
| Loyalty benefit |
On continuing the policy for further years, get a 5% increase on the base sum insured on the next renewal as a loyalty bonus of up to 50% in your total lifetime. Claims during the active policy year will not affect loyalty benefits. |
| Common carrier mishap cover |
Get coverage for accidental death or permanent total disablement (total or partial), while travelling through the common modes of convenience like flight, trains, etc. |
| Tax benefits |
All the premiums paid towards the Religare (now, Care) personal accidental insurance policy are eligible for tax benefits under Section 80D of the Income Tax Act. |
| Optional Benefits |
| Accidental hospitalisation |
Hospitalisation charges, compassionate visits, and daily allowance in cash benefits are available up to INR 1 Lakh |
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