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Care Health Insurance Company’s Group Personal Accident Insurance

Care’s Group Personal Accident Insurance Policy is one of the best Group Personal Accident covers for wide coverage at economical premiums. This insurance policy provides financial aid to the insured in case of permanent total disability, permanent partial disability, temporary total disablement and, medical expenses and in the unfortunate event of accidental death. It also covers funeral expenses, children’s education expenses, home modification expenses and repatriation of mortal remains.

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Highlights

Worldwide cover, 24*7

Sum Insured Options available upto 5 Lakhs

20800+ Healthcare Providers

Direct Claim Settlement

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply.
*Tax benefit is subject to changes in tax laws. Standard T&C Apply.

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Care Health Insurance Company’s Overview

Care Health Insurance Company is a specialised health insurance company offering insurance products in retail segment along with Group Mediclaim Insurance and Group Personal Accident Insurance for Corporates, micro insurance plans for rural market, and wellness services. This company is consistently focussing on investing in efficient and effective application of technology in order to deliver excellence in servicing the customers, innovation in products and value for money services. This company has been awarded as ‘Smart Insurer of the Year’ and the ‘Sales Champion of the Year’ at Economic Times Insurance Summit & Awards 2022.
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On Group Personal Accident Insurance Online

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C apply.

TOP PLANS

Group Personal Accident Insurance Online

By Care Health Insurance

Family Definitiom
For 164 lives-office based staff
Family Definitiom
For 164 lives-office based staff
Sum Insured
₹ 5 lacs sum insured
Sum Insured
₹ 5 lacs sum insured
Premium(excluding Taxes)
Rs. 20,943
Premium(excluding Taxes)
Rs. 20,943

Group Personal Accident Insurance Online

By Care Health Insurance

Family Definitiom
For 37 lives-office based staff
Family Definitiom
For 37 lives-office based staff
Sum Insured
₹ 5 lacs sum insured
Sum Insured
₹ 5 lacs sum insured
Premium(excluding Taxes)
Rs. 15,403
Premium(excluding Taxes)
Rs. 15,403
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How to buy a Care’s Group Accidental Insurance Policy?

One can buy a Care’s Group Accidental Insurance Policy by following 5 simple steps:

Step 2 : Mention your contact details & employee count and select your nature of work to check multiple quotes online

Step 3: Select the final option, click on Buy Now

Step 4: Our sales manager will contact you within 24 hours, share final quote, proposal form and NEFT details of insurer

Step 5: The Policy copy will get issued' at client's registered email id, offline within 7 working days once you are done with making the payment

Any Questions?

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Buy Group Personal Accident Insurance coverage upto 5 Lakhs*

Premium starting from Rs. 750 /person per annum*

*Terms & conditions apply. Click view plans below to check eligibilityPlan Image
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ParticularsCoverage
Minimum number of lives required to buy this Group Personal Accident Insurance Scheme7
Sum Insured Options1 Lakh to 10 Lakhs
Accidental DeathCovered upto 100% of Sum Insured
Permanent Total Disablement
Permanent Partial Disablement
Temporary Total DisablementLower of 1%of Sum Insured/Rs. 5000/actual salary for 104 weeks
Accidental Medical Expenses10% of Sum Insured or 40% of admissible claims or actuals whichever is lower
Fractures
Funeral Expenses
Ambulance Service
Repatriation of RemainsUpto Rs. 10,000
Claim IntimationWithin 15 days from the date of occurrence
Claim SubmissionWithin 30 days from the date of discharge
Addition or deletionsOn pro-rata basis

How to renew a Care’s Group Personal Accident Insurance?

In case of unfortunate event after your policy has matured, one cannot claim any benefit under that insurance policy. This is where the renewal of insurance policies comes in picture. Renewal of policy provides an extension to the coverage before your policy gets lapsed. For renewals, our concerned team contacts you 90 days before the due date of the renewal of your existing policy. Also, we send email-reminder to clients, twice, i.e., 23 days and 7 days before the due date of policy-renewal. You are supposed to revert to our emails and calls, let us know in case of deviations or if we can proceed with the renewal policy booking for this year as per last year's terms and conditions. Also, you are requested to make the payment timely to ensure that the renewal is done with no break in policy. Your policy copy gets issued offline within 15 working days at your registered email id once you are done with making the payment.

To renew your GPA policy (other than Care’s), the clients are requested to send us their last year’s policy copy, employee data (at which the policy got placed), this year's active data of the employees and updated claims MIS, to support@securenow.in . The clients can also call us at +91 9696683999 and ask for assistance to complete the renewal process.

How to register a claim under a Care Health’s Group Personal Accident Insurance Policy?

The Process to register a claim under Care Health’s Group Personal Accident Insurance Policy is as follows:

1. First and foremost, the client has to send us a written notification of the claim within 24 hours of occurrence of the incident. Also, it is mandatory that the insured consults a doctor, and follows the recommended advice and treatments.

2. The client also is requested to submit the hard copies of the claim documents within 30 days from the date of discharge. In case of any query, he/she can contact us at +91 9696683999 or write to us at support@securenow.in.

3. In case of any query, then the client is requested to revert with answers and requested details, if any, within 24 hours.

Explain Group Personal Accident’s Meaning

Group Personal Accident cover is one of the types of group insurances generally bought by employers for their employees. This policy covers the accidental expenses related to death, permanent disability (total and partial, both), temporary total disability, medical expenses. Add-on coverages like children education benefit, mortal remains transportation, home modification expenses, ambulance charges etc.

Standard Exclusions of Care Health’s Group Accidental Insurance Policy:

1. Investigation & Evaluation (Code-Excl04)
2. Rest Cure, rehabilitation and respite care (Code-Excl05)
3. Obesity/Weight Control (Code-Excl06)
4.Change of Gender treatments (Code-Excl07)
5.Cosmetic or Plastic Surgery (Code-Excl08)
6.Hazardous or Adventure Sports (Code Excl09)
7.Breach of law (Code Excl10)

8.Excluded Providers (Code Excl11)

9.Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof (Code Excl12)

10.Treatment received in health hydros, nature cure clinics, spas or similar establishments or private beds registered as a nursing home attached to such establishments or where admission is arranged wholly or partly for domestic reasons (Code Excl13)

11.Dietary supplements and substances that can be purchased without prescription, including but not limited to Vitamins, minerals and organic substances unless prescribed by a medical practitioner as part of hospitalisation claim or day care procedure (Code Excl14)

12.Refractive Error (Code Excl15)

14.Unproven Treatments (Code Excl16)

15.Sterility and Infertility (Code Excl17)

16.Maternity (Code Excl18)

NOTE: This is not an exhaustive list.

Frequently Asked Questions

For the quarter ended 31st December 2022, the total premium earned (et) by Care Health Insurance Company is Rs. 969.61 crores.
The sum insured range for Care’s Group Personal Accident Policy is as below:
  • 1 Lac to 10 Lacs
  • The claim settlement ratio of Care Health Insurance is 95.2%.
    Care Health Insurance Company issues the Group Personal Accident Insurance policy in 7 working days once the payment is made.
    Care Health Insurance Limited (CHIL) will directly process the claims under this Care Group Personal Accident Insurance Policy.
    The list of mandatory documents required to file a claim under Care’s Group Personal Accident Insurance policy includes:
  • A duly filled and signed claim form
  • Claim notice
  • Copy of the policy document
  • FAQ Insurer Image