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Religare Secure - Personal Accident Insurance

Objective

Religare Secure is a personal accidental and disablement policy which pays a specified sum insured upon accidental death or accidental disablement.


Suited for

Any individual who wants to provide a financial protection against accidental death, accidental permanent total disablement or permanent partial disablement.


What does it do?

A basic accidental cover which claims to immune against financial losses incurred due to accidental death or disablement, whether it is partial or total. The cover also provides for childrens education in the event of insured's death or Permanent Total Disablement (PTD).


Pros

Covers Childrens education.

Covers disapperance if the insured goes missing for more than one year due to an accident.

Covers Fractures and Burns pertaining to a surgery, advised by medical practioner in case of an accident.


Cons

Premium paid is not available for tax relief.


Our View

It is always good to have a personal accident cover. It protects you gainst accidental death and disablemnt at a negligible price. The policy protects your from the same and also provides a child education cover to financially protect to child's education in the event of your accidental death/disability.

Eligibility
Entry Age (years) 
Minimum18; 91 days for children
Maximum70
Maximum Policy Renewal Age (years)Life long renewal
Coverage TypeIndividual
Policy Term1/2/3 Years
Sum Insured (Rs) 
Maximum25 crore
Minimum10 lakh
Policy Term (years)1, 2, 3
Tax BenefitNot Available
Discount7.5% on selecting a 2 year policy term and 10% on selecting a 3 year policy term.
Customer Service 
AddressReligare Health Insurance Company Limited, GYS Global, Plot No. A3, A4, A5,Sector - 125, Noida, U.P.-201301
Mail to[email protected]
Call to1800 200 4488 (toll free)
SMSReligare' to 56677
Network HospitalsHttp://www.religarehealthinsurance.com/health-plan-network-hospitals.html
Additions to the Plan
Scope Of Cover
PlanSecure 1Secure 2Secure 3Secure 4Secure 5
Sum InsuredUp to 10 LakhAbove 10 Lakh up to 30 LakhAbove 30 Lakh up to 3 CroreAbove 3 Crore up to 25 CroreUp to 30 Lakh
Accidental Death100% of Sum Insured
Permanent Total DisablementCoveredCoveredCoveredCoveredCovered
Permanent Partial DisablementCoveredCoveredCoveredCoveredCovered
Fractures Up to Rs. 50,000Up to Rs. 1,00,000Up to Rs. 2,00,000Up to Rs. 3,00,000Not Covered
Child EducationNot Covered10% of Sum Insured10% of Sum Insured10% of Sum InsuredNot Covered
Major Diagnostics TestsNot CoveredUp to Rs. 15,000Up to Rs. 25,000Up to Rs. 50,000Not Covered
DisappearanceNot Covered100% of SI100% of SI100% of SINot Covered
Mobility cover (Use of prothestic devices like artificial arms, limbs, eyes, etc)Not CoveredUp to Rs. 15,000Up to Rs. 25,000Up to Rs. 50,000Not Covered
BurnsNot CoveredUp to Rs. 10,00,000Up to Rs. 20,00,000Up to Rs. 25,00,000Not Covered
Domestic Road AmbulanceNot CoveredNot CoveredUp to Rs. 5,000Up to Rs. 5,000Not Covered
Nursing CareNot CoveredNot CoveredRs. 1,000 per day, Max for 15 daysRs. 1,500 per day, Max for 15 daysNot Covered
Reconstructive Surgery Not CoveredNot CoveredUp to Rs. 10,00,000Up to Rs. 20,00,000Not Covered
Repatriation of Mortal RemainsNot CoveredNot Covered2% of the Sum Insured or Max Rs. 1,00,000; whichever is lower2% of the Sum Insured or Max Rs. 1,00,000; whichever is lowerNot Covered
Exclusions and Waiting period
General ExclusionsAny pre-existing injury or physical condition, claims related to hazardous activities, claims arising out of mental illness, stress, psychiatric or psycho logical disorders, insured person serving in any branch of the military, navy, air force, armed force, paramilitary force, any intentional self inflicted injury, suicide, attempted suicide, mental or nervous conditions, etc.
Annual Premium (including taxes)
Sum Insured/Age group10 lakh15 lakh20 lakh25 lakh30 lakh
18-3018883027403650446053
31-40
41-50
51-60
61-70
Premium for other available options can be calculated using the insurers website.

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