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Personal Accident Insurance

At Religare Health Insurance, we believe that health and happiness go hand-in-hand. That’s why we bring you Secure- A Personal Accident Insurance that directly addresses every concern which can arise as a result of a serious accident.

Secure is truly comprehensive from a broad range of features, optional benefits, hassle-free procedures and thoughtful services, it ensures that the road to recovery is worry-free, making getting back to good health your priority.
With us as your health insurer, it’s truly Health Hamesha!

What is covered under Secure-Accident Insurance

  • Accidental Death

    Pays the nominated family member the sum insured for the tragic loss and provides for financial support to the family.

  • Permanent Total Disablement (PTD)

    Pays between 50 to 100 percent of the sum insured, based on severity of injury and loss due to the accident.

  • Permanent Partial Disablement (PPD)

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

  • Fractures

    In the event of a fracture, we will provide you coverage within the range of 50 to 100% of your sum insured in order to help you recover without any hassles.

  • Burns

    If you suffer from burns due to accident, get coverage of sum insured in the range 10% to 100% depending on the degree of burn.

  • Child Education

    In the event of an accident resulting in insured’s demise or PTD, the child’s education will be covered, ensuring that their future is not compromised.

  • Reconstructive Surgery

    In case injuries caused by an accident require you to undertake any diagnostic tests such as CT scan, MRI, etc. as advised by a Medical Practitioner, you can do so without a worry. Tests should be done within 3 months of occurrence of injury to be covered under this accident policy.

  • Domestic Road Ambulance

    If an accident related injury requires emergency medical evacuation, we’ll reimburse the ambulance expenses incurred.

  • Reconstructive Surgery

    If your injury (PTD or PPD) requires the care of a Qualified Nurse, expenses incurred will be covered, if need for the same is prescribed by a medical practitioner.

Some of the features which you get with Secure health policy are -

Policy Options
Plan Detail Secure 1 Secure 2 Secure 3
Sum Insured (in Rs.) 10 Lac 15 Lac, 20 Lac, 25 Lac & 30 Lac 50 Lac
Accidental Death
Sum insured Sum insured Sum insured
Permanent Total Disablement

Yes Yes Yes
Permanent Total Disablement Improvement
No Yes Yes
Permanent Partial Disablement

Yes Yes Yes
Permanent Partial Disablement Improvement
No Yes Yes
Up to Rs. 50,000 Up to Rs. 1,00,000 Up to Rs. 2,00,000
Child Education
No 10% of Sum insured 10% of Sum insured
Major Diagnosis Tests
No Up to Rs. 15,000 Up to Rs. 25,000
No Sum insured Sum insured
Mobility Cover
No Up to Rs. 15,000 Up to Rs. 25,000
No Up to Rs. 10,00,000 Up to Rs. 20,00,000
Repatriation of Mortal Remains No No 2% of SI, Max Rs 1,00,000
Temprory Total disablement
Up to Rs 5,000 per week Up to Rs 10,000 per week Up to Rs 20,000 per week
5% of Sum Insured 5% of Sum Insured 5% of Sum insured
Common Carrier Mishap Cover
No No Yes
Optional Benefit:
Accidental Hospitalization
Up to Rs 50,000 Up to Rs 50,000 Up to Rs 1,00,000

For complete product details, kindly refer Prospectus and Sales Literature in the Download Section. Click here

Optional Covers under Secure-Accident Insurance

  • Accidental Hospitalization Expenses

    In case of hospitalization due to an accident, get comprehensive coverage of expenses ranging from room charges, nursing expenses, intensive care unit charges to surgeon's fee, doctor's fee, anaesthesia, blood, oxygen, operation theatre charges, etc. up to specified amount.

  • Permanent Total Disablement Improvement

    50 to 100 percent of the sum insured will be covered under this accident insurance policy, based on severity of injury and loss due to the accident. This amount is over & above the amount received under Permanent Total Disablement.

  • Temporary Total Disablement

    When you suffer from an injury that would confine you to the bed for a temporary basis your medical expenses as well as your financial concerns will be covered under this accident insurance policy until you make a full recovery.

  • Permanent Partial Disablement Improvement

    A predefined percentage of the sum insured is covered under this personal accident policy, based on the severity of loss due to the accident. This amount is over & above the amount received under Permanent Partial Disablement.

  • Common Carrier Mishap Cover

    Upto 100% of sum insured benefit in case of accidental death or Permanent Total Disablement due to mounting into or dismounting from or travelling in common carrier like train, flight etc.

  • Mobility Cover

    If an injury causes PTD and requires you to use prosthetic devices like artificial arms, legs or eyes, orthopaedic braces and medical equipment like wheelchairs or hospital beds, we will reimburse the expenses towards these.

  • Disappearance

    In the event that an accident leaves the insured missing (forced landing, stranding, sinking, wrecking of a Common Carrier.) for more than 1 year and the insured’s demise has been reasonably established, we will pay the sum insured to the nominee.

  • Repatriation of Mortal Remains

    We will cover the amount required for transportation of mortal remains to the city of residence, in the event of a fatality.

  • Loyalty Benefit

    For each continuous and completed Policy Year, on subsequent renewal, we will enhance the Coverage amount of AD, PTD, PPD pertaining to last Policy Year by flat 5% of the Sum Insured, on a cumulative basis.


Disclaimer: For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale.

UIN: RHIPAIP18048V021718. UAN2: 19032851.

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