Religare Secure - Personal Accident Insurance

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.

Entry Age (years)

Minimum

18; 91 days for children

Maximum

70 Maximum Policy Renewal Age (years)

Life long renewal

Coverage Type

Individual

Policy Term

1/2/3 Years

Sum Insured (Rs)

Maximum

25 crore

Minimum

10 lakh

Policy Term (years)

1, 2, 3

Tax Benefit

Not Available

Discount

7.5% on selecting a 2 year policy term and 10% on selecting a 3 year policy term.

Customer Service

Address

Religare Health Insurance Company Limited, GYS Global, Plot No. A3, A4, A5,Sector - 125, Noida, U.P.-201301

Mail to

[email protected]

Call to

1800 200 4488 (toll free)

SMS

Religare' to 56677

Network Hospitals

Http://www.religarehealthinsurance.com/health-plan-network-hospitals.html

Scope Of Cover
Plan	Secure 1	Secure 2	Secure 3	Secure 4	Secure 5
Sum Insured	Up to 10 Lakh	Above 10 Lakh up to 30 Lakh	Above 30 Lakh up to 3 Crore	Above 3 Crore up to 25 Crore	Up to 30 Lakh
Accidental Death	100% of Sum Insured
Permanent Total Disablement	Covered	Covered	Covered	Covered	Covered
Permanent Partial Disablement	Covered	Covered	Covered	Covered	Covered
Fractures	Up to Rs. 50,000	Up to Rs. 1,00,000	Up to Rs. 2,00,000	Up to Rs. 3,00,000	Not Covered
Child Education	Not Covered	10% of Sum Insured	10% of Sum Insured	10% of Sum Insured	Not Covered
Major Diagnostics Tests	Not Covered	Up to Rs. 15,000	Up to Rs. 25,000	Up to Rs. 50,000	Not Covered
Disappearance	Not Covered	100% of SI	100% of SI	100% of SI	Not Covered
Mobility cover (Use of prothestic devices like artificial arms, limbs, eyes, etc)	Not Covered	Up to Rs. 15,000	Up to Rs. 25,000	Up to Rs. 50,000	Not Covered
Burns	Not Covered	Up to Rs. 10,00,000	Up to Rs. 20,00,000	Up to Rs. 25,00,000	Not Covered
Domestic Road Ambulance	Not Covered	Not Covered	Up to Rs. 5,000	Up to Rs. 5,000	Not Covered
Nursing Care	Not Covered	Not Covered	Rs. 1,000 per day, Max for 15 days	Rs. 1,500 per day, Max for 15 days	Not Covered
Reconstructive Surgery	Not Covered	Not Covered	Up to Rs. 10,00,000	Up to Rs. 20,00,000	Not Covered
Repatriation of Mortal Remains	Not Covered	Not Covered	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	Not Covered

Annual Premium (including taxes)
Sum Insured/Age group	10 lakh	15 lakh	20 lakh	25 lakh	30 lakh
18-30	1888	3027	4036	5044	6053
31-40
41-50
51-60
61-70
Premium for other available options can be calculated using the insurers website.

Exclusions and Waiting period
General Exclusions	Any 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.

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.

Our View

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?

Pros

Cons

Eligibility

Entry Age (years)

Minimum

18; 91 days for children

Maximum

70

Maximum Policy Renewal Age (years)

Life long renewal

Coverage Type

Individual

Policy Term

1/2/3 Years

Sum Insured (Rs)

Maximum

25 crore

Minimum

10 lakh

Policy Term (years)

1, 2, 3

Tax Benefit

Not Available

Discount

7.5% on selecting a 2 year policy term and 10% on selecting a 3 year policy term.

Customer Service

Address

Religare Health Insurance Company Limited, GYS Global, Plot No. A3, A4, A5,Sector - 125, Noida, U.P.-201301

Mail to

[email protected]

Call to

1800 200 4488 (toll free)

SMS

Religare' to 56677

Network Hospitals

Http://www.religarehealthinsurance.com/health-plan-network-hospitals.html

Additions to the Plan

Cost Details