Personal Accident Insurance – Buy/Renew Accidental Insurance Policy Cover

Personal Accident Insurance

Premium Starts @ 305

(Excluding Taxes)

Premium Starts @ 305 excluding Taxes

Benefits

Cover for Accidental Death and Permanent Disability

Partial disability to specific body parts is covered

Accidental hospitalization upto Rs. 1,00,000

OPD for fractures is covered upto Rs 20,000.

Insurer

SecureNow Assistance

Online policy copy

Instant risk confirmation

Renewal reminders

Single point interface for claims

Digital proposal form and payment

Cost-effective Insurance

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Personal Accident Insurance

Contact Details>>Quotes

Full Name

City

Mobile No

Get quote if you agree to our Terms of Use and Privacy Policy

Personal Accident Insurance

Premium Starts @ 305

(Excluding Taxes)

Premium Starts @ 305 excluding Taxes

Benefits

Cover for Accidental Death and Permanent Disability

Partial disability to specific body parts is covered

Accidental hospitalization upto Rs. 1,00,000

OPD for fractures is covered upto Rs 20,000.

Insurer

SecureNow Assistance

Online policy copy

Instant risk confirmation

Renewal reminders

Single point interface for claims

Digital proposal form and payment

Cost-effective Insurance

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SecureNow Assistance

Online policy copy

Policy copy will be emailed. This can also be accessed via securenow.app login

Instant risk confirmation

Risk coverage gets started immediately on proposal form submission, if no claim has been reported.

Digital proposal form and payment

Buying process is completely digitized including supporting documents. No need to submit hard copies.

Cost-effective Insurance

Works with all the leading insurers to discover the best price for most comprehensive features.

Single point interface for claims

Dedicated liability claims expert coordinates claims

Timely renewal reminders

Automated reminders and sent 3 weeks before renewal. Premium can be easily paid online

Frequently Asked Questions

The Personal Accident insurance provides extended coverages at a reasonable premium. It covers accidental death, permanent, partial or total disability, and fractures typically not covered in other insurances. It also covers accidental hospitalization expenses upto Rs. 1,00,000.

Standard exclusions includes natural death, self inflicted injuries, intoxication, death or injury due to any sexually transmitted diseases, due to war and criminal acts, while engaging in an adventure sport or hazardous activity, due to pregnancy including childbirth, miscarriage, abortion or complication arising there from etc.

Additional benefits provided under our exclusive personal accident insurance includes coverage for fractures upto Rs. 20,000 and accidental hospitalization upto Rs. 1,00,000. One more extended coverage is that sum insured can be chosen maximum upto 1 crore under our exclusive personal accident insurance plan.

While making a claim under a personal accident insurance, nominee is required to produce complete personal information along with the death certificate (in case of death), dully filled claim form, panchnama, FIR report, post-mortem report, hospitalization report, medical bills and medical certificate.

Process to file a claim under this insurance starts from intimation of claim. Policyholder should intimate SecureNow and should submit all the required documents along with duly signed claim form within the specified time. There onwards, we will follow up with Care Health Insurance Limited (formerly known as Religare Health Insurance Company Limited) to get your claims get passed.

Our personal accident insurance covers fractures which is very unlikely to get in other products available in the market. In case of claim for fracture due to accident, a compensation benefit is paid maximum upto Rs. 20,000 as per the fracture table of Care Health Insurance Limited (formerly known as Religare Health Insurance Company Limited) health insurance's group secure product.

Our premium amount is determined on the basis of selected sum insured. Premium is computed by considering the covers being provided which also includes add on cover such as fractures and accidental hospitalization. This product is available at this premium only for Securenow and SecureNow App clients.

A general thumb rule is to look for a cover that is atleast 10 times of your annual income. The higher the insurance cover, the more is the security. One can also consider other factors also such as his/her current and future liabilities. In our policy you can choose sum insured starting from 10 lakhs to 1 crore.

Our exclusive personal accident insurance product with Care Health Insurance Limited (formerly known as Religare Health Insurance Company Limited) provides comprehensive coverage at an affordable premium. Premium for this policy is discounted atleast 70% compared to the standard products available in the market. Moreover, coverage for accidental hospitalization expenses, and fracture is not commonly available.

An individual who is a registered user of our app 'SecureNow App' (available on both Android and iOS) or is our client can buy this personal accident insurance policy. Minimum entry age to buy this product is 18 years and maximum entry age is 70 years. Policy tenure is of one year.

Claims can be processed on reimbursement basis under this personal accident insurance product. In case of any claim, first you need to submit the claim documents in a stipulated time limit. After the submission, Care Health Insurance Limited (formerly known as Religare Health Insurance Company Limited) would review the document and then transfer the passed claim amount to your bank account directly.

Yes, because the risks covered are different in both the policies. Health insurance covers medical treatment costs, particularly hospitalization. Personal accident covers accidental death and disabilities. Under accidental insurance, lump sum payment is made depending upon the type of claim, unlike health insurance where only amount of treatment is paid. Also, you would be also able to claim small incidents such as fracture in this exclusive accident insurance which is not covered under health policy.

Frequently Asked Questions

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