In your journey through life, you sometimes encounter accidents that could turn things upside down within moments. These accidents could have far-reaching consequences not just for you but for your loved ones as well. To help you secure your tomorrow, today, IndusInd Bank brings you Religare Health Insurance’s Secure – comprehensive Personal Accident Insurance.
RHI’s Secure leaves you worry free ‘hamesha’ with its exclusive features:
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In case of the tragic loss of the insured, we provide for financial support to the family by paying the sum insured to the nominated family member.
Based on the severity of the loss of a body part due to an accident/injury, we pay between 50 to 100 percent of the sum insured. For a detailed list of compensation percentages under PTD, please log on to www.religarehealthinsurance.com.
Pays a pre-defined percentage of the sum insured, based on severity of loss due to the accident/injury. For a detailed list of compensation percentages under PPD, please log on to www.religarehealthinsurance.com.
Get compensated for treatment of fractures/burns up to a pre-defined percentage of the sum insured, based upon severity of an injury.
In the event of an accident resulting in the insured's demise or Permanent Total Disability (PTD), we'll take care of the child's education, ensuring that his/her future is not compromised.
In the event that an accident (forced landing, stranding, sinking, wrecking, etc.) leaves the insured missing for more than 1 year and the insured's demise has been reasonably established, we will pay the sum insured to the nominee. However, if it is later found that the Insured Person survived such an Accident / Injury for which the Company had paid the claim, the said amount shall be paid back to the Company.
If an injury causes Permanent Total Disability (PTD) and requires one 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 the same.
|Plan Detail||Secure 1||Secure 2|
|Sum Insured (in Rs.)||10 Lac||15 Lac, 20 Lac, 25 Lac & 30 Lac|
|Accidental Death||Sum insured||Sum insured|
|Permanent Total Disablement||Yes||Yes|
|Permanent Partial Disablement||Yes||Yes|
|Fractures||Up to Rs. 50,000||Up to Rs. 1,00,000|
|Child Education||No||10 % of Sum insured|
|Major Diagnosis Tests||No||Up to Rs. 15,000|
|Mobility Cover||No||Up to Rs. 15,000|
|Burns||No||Up to Rs. 10,00,000|
|Domestic Road Ambulance||No||No|
|Repatriation of Mortal Remains||No||No|
|Add-on Benefit: Accidental Hospitalization|
|Hospitalization Expenses||Up to Rs. 1,00,000||Up to Rs. 1,00,000|
|Daily Allowance||Rs. 500 per day, Max for 5 days||Rs. 500 per day, Max for 5 days|
|Compassionate Visit||Up to Rs. 15,000||Up to Rs. 15,000|
For more details, kindly refer to our health insurance policy's detailed exclusion list.
Since you interact directly with us, we can be doubly sure that you are satisfied. And when you are satisfied, we feel satisfied too.
We deliver on our promise. We take pride in offering hassle-free clearance and speedy settlements.
|Minimum Entry age||91 days|
|Maximum age||Child - 24 years Adult: 70 years|
|Renewal||Lifelong Renewability. The Policy can be renewed under the then prevailing Health Insurance Product or its nearest substitute approved by IRDA|
|Age of proposer||18 years or above|
|Policy Issuance||Policy issuance is subject to the underwriting review and approval.|
|Occupational Change||Please inform us incase of any change in your profession/ occupation/ nature of duty/ industry of employment immediately for continuance of your policy.|
|Document Verification||You may be called for document verification & may be required to submit relevant documents for underwriting review.|
We would like to be of comfort to you in case of any accident that impacts you in either an acute or chronic way. Accordingly, the policy covers not only Accidental Death and Permanent Total Disablement (PTD) but also Permanent Partial Disablement (PPD). In the case of PPD, you receive a pre-defined percentage of the sum insured which depends on the severity of the loss due to the accident/injury.
Whatever it takes to make you feel better after an accident is important to us. If reconstructive surgery is recommended by your medical practitioner to restore the natural function or appearance, we certainly cover it.
Yes, in case of fractures and burns that have resulted from an injury, the insured is compensated for treatment of the same.
Naturally, your course of treatment will depend on the diagnosis of your medical practitioner. So, we do cover diagnostic tests as long as they are recommended by your doctor and you have claimed under Accidental Death or Permanent Total Disablement (PTD) or Permanent Partial Disablement (PPD).
We offer you the option of add-on benefit Accidental Hospitalization, which includes Daily Allowance, Hospitalisation expenses and Compassionate Visit. This benefit is available on payment of additional premium.
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