Religare Secure Personal Accident

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ABOUT RELIGARE


Religare Health Insurance is a specialist Health  Insurance  engaged in the distribution  & servicing of Health Insurance Products .

Religare is promoted by the founders of Fortis Healthcare, which owns or manages 54 healthcare facilities in India, Dubai & Mauritius.

Religare Health Insurance Company  started the operation in the year 2012 and expertise in the spectrum of financial services, and preventive health solutions.

Religare CARE has been awarded  as one of the best medical insurance product in 2015.

RELIGARE SECURE - PERSONAL ACCIDENT

Personal Accidents Insurance means when the insured person meet with an accident which leads to any bodily injury or Permanent Disability or Temporary Disability during the policy period is covered under personal accident insurance with some additional benefits.

In Religare they have SECURE to cover the Personal Accidents.

SUM INSURED OPTIONS(IN LACS )


     

AGE LIMIT

                          
Relationship covered:- Legally married Spouse, Children, Parents, Brother, Sister, Parents-in-Law, Grandparents, Grandchildren, Uncle, Aunt, Nephew and Niece.

PRODUCT DESIGN

                               

ACCIDENTAL DEATH

Religare pays the Sum Insured in case of Death of the Insured Person on account of any Accident/Injury from the date of occurrence, during the policy period.

                      

PERMANENT TOTAL DISABILITY

Religare will cover in case of any Permanent Total Disablement of the Insured Person on account of any Accident/Injury from the date of occurrence, during the policy period.
          

PERMANENT PARTIAL DISABILITY

Religare will cover in case of any Permanent Partial Disablement of the Insured Person on account of any Accident/Injury from the date of occurrence, during the policy period.   

            

             

FRACTURES

Religare pays up to an amount as specified in the Policy Certificate as per table below in case the Insured Person suffers any Injury during the Policy Period resulting into any of the fractures: 

  


Note: Up to means – “Actual expenses incurred or the amount specified, whichever is lower.”

DESCRIPTION OF FRACTURE:-

CHILD EDUCATION

In the event of an accident resulting in insured demise or PTD , Religare will take care of insured child’s educations ensuring that their future is not compromised.

Note: Up to means – “Actual expenses incurred or the amount specified, whichever is lower.”


MAJOR DIAGNOSIS TEST

In case the Injury caused by an Accident require one to undertake any Diagnostic Test, Religare will reimburse the expenses incurred for carrying out any major Diagnostic tests like CT Scan, MRI, etc.

Religare Covers these tests which are undertaken on the written advise of a Medical Practitioner and must be conducted within 3 months of occurrence of the Injury.

    


Note: Up to means – “Actual expenses incurred or the amount specified, whichever is lower.”

DISAPPEARANCE

In case the Insured Person's body cannot be located within 1 year after a forced landing, stranding, sinking or wrecking of a Common Carrier or demises has been  reasonably established, the company will cover up to sum insured.

  

Note: Up to means – “Actual expenses incurred or the amount specified, whichever is lower.”

MOBILITY COVER


Religare covers , any injury which causes PDT and requires one to use prosthetic devices (artificial devices replacing body parts, including artificial legs, arms or eyes) and orthopedic braces (including but not limited to arm, back or neck braces) and durable medical equipment (including but not limited to wheelchairs and Hospital beds) to assist the Insured Person's basic medical needs, consequent to an Injury.
 

Note: Up to means – “Actual expenses incurred or the amount specified, whichever is lower.”

BURNS

If the Injury is suffered by the Insured Person pertaining to a surgery advised by the Medical Practitioner in case of accident, Religare pays up to an amount as specified in the table below.

 

In case an Injury results in more than one of the 'Descriptions of Extent of Burn Injury' above, then the Company's liability will be only for the highest amount applicable on all the ‘Descriptions of Extent of Burn Injury’ incurred.

Note: Up to means – “Actual expenses incurred or the amount specified, whichever is lower.”

DESCRIPTION OF BURNS 

DOMESTIC ROAD AMBULANCE

The Company will reimburse the expenses incurred for the emergency medical evacuation of the Insured Person, including necessary medical care, consequent to an Injury only.


Note: Up to means – “Actual expenses incurred or the amount specified, whichever is lower.”

NURSING CARE

Religare will pay for the expenses incurred towards hiring a Qualified Nurse with the purpose of providing care and convenience to the Insured Person to perform his daily activities, which facilitate his activities of daily living and are recommended by a Medical Practitioner in writing. 



Note: Up to means – “Actual expenses incurred or the amount specified, whichever is lower.”

RECONSTRUCTIVE SURGERY

In case the Insured Person is required to undergo reconstructive surgery consequent to any Accident/Injury, Religare will reimburse the Medical Expenses incurred on such reconstructive surgery at a Hospital only if the surgery is carried out within 30 days of Accident/Injury.


Note: Up to means – “Actual expenses incurred or the amount specified, whichever is lower.”

REPATRIATION OF MORTAL REMAINS

Religare will cover the expenses for the transportation of Insured Person's body from the place of death to the city of last known address of the Insured Person as per the Company's records or as per the request of the Insured Person's family. 


Note: Up to means – “Actual expenses incurred or the amount specified, whichever is lower.”

HOSPITALIZATION EXPENSES

Religare will cover for the expenses incurred at a Hospital and  reimburse it to any Injury as an In-patient Care or as Day Care Treatment.


Note: Up to means – “Actual expenses incurred or the amount specified, whichever is lower.”

DAILY ALLOWANCE

Religare shall pay you a lump sum amount per day for each day of your Hospitalization up to a maximum of 5 days subject to a deductible of 2 days. The payment shall be made only in case the Hospitalization Expenses are payable.


Note: Up to means – “Actual expenses incurred or the amount specified, whichever is lower.”

COMPASSIONATE VISIT

Religare will reimburse the reasonable incurred towards the Cost of Economy class air ticket or equivalent from the city of normal residence to the place of Hospitalization of the Insured Person only for the treatment of injury only with in 3 days of injury and minimum period of 5 consecutive days.


Note: Up to means – “Actual expenses incurred or the amount specified, whichever is lower.”

Exclusion

  • Any Claim in respect of any Insured Person for, arising out of or directly or indirectly due to any of the following shall not be admissible, unless expressly stated to the contrary elsewhere in the Policy:
  • Any Illness including any pre-existing condition or its complications except where an Insured Event under general conditions applicable to all Benefits results from an illness which arises directly as a consequence of an Injury sustained during the Policy Period.
  • Any pre-existing injury or physical condition.
  • The Insured Person operating or learning to operate any aircraft or performing duties as a member of a crew on any aircraft or Scheduled Airline or any airline personnel.
  • The Insured Person flying in an aircraft other than as a fare paying passenger in a Scheduled Airline.
  • Any intentional self-inflicted injury, suicide or attempted suicide, sexually transmitted conditions, mental or nervous conditions, insanity, disorder, anxiety, stress or depression.
  • Influence of drugs , alcohols or other intoxication's or hallucinogens.
  • War (whether declared or not) and warlike occurrence or invasion, acts of foreign enemies, hostilities, civil war, rebellion, revolutions, insurrection, mutiny, military or usurped power, seizure, capture , arrest, restraints and detainment's of all kinds
  • Participation in actual or attempted felony, riots, civil commotion or criminal misdemeanor.
  • A complication of infection with human immune deficiency virus (HIV) or any variance including acquired immune deficiency syndrome (AIDS) and AIDS Related complex (ARC) or venereal diseases.
  • The Insured Person engaging in sporting activities in so far as they involve the training for or participation in competitions of professional sports, unless declared beforehand and agreed by the Company in writing subject to additional premium being received and incorporated accordingly in the Policy.
  • Any act resulting in breach of law committed by the Insured Person with a criminal intent.
  • The Insured Person serving in any branch of the military, navy or air-force or any branch of armed Forces or any paramilitary forces;
  • Radioactive contamination whether arising directly or indirectly or any consequential loss thereof, ionizing radiation, toxic, explosive or other hazardous properties of nuclear material;
  • The Insured Person working in or with mines, tunneling or explosives or involving electrical installation with high tension supply or conveyance testing or oil rigs work or ship crew services or as jockeys or circus personnel or aerial photography or engaged in Hazardous Activities;
  • Nuclear, chemical or biological attack or weapons, contributed to, caused by, resulting from, or from any other cause or event contributing concurrently or in any other sequence to the loss, claim or expense. For the purpose of this exclusion:
  • Nuclear attack or weapons means the use of any nuclear weapon or device or waste or combustion of nuclear fuel or the emission, discharge, dispersal, release or escape of fissile or fusion material emitting a level of radioactivity capable of causing incapacitating disablement or death.
  • Chemical attack or weapons means the emission, discharge, dispersal, release or escape of any solid, liquid or gaseous chemical compound which, when suitably distributed, is capable of causing incapacitating disablement or death.
  • Biological attack or weapons means the emission, discharge, dispersal, release or escape of any pathogenic (disease producing) micro- organisms and/or biologically produced toxins (including genetically modified organisms and chemically synthesized toxins) which are capable of causing incapacitating disablement or death.
  • In addition to the foregoing, any loss, claim or expense of whatsoever nature directly or indirectly arising out of, contributed to, caused by, resulting from, or in connection with any action taken in controlling, preventing, suppressing, minimizing or in any way relating to the above is also excluded.
  • Resulting from Pregnancy except ectopic pregnancy or child-birth.
  • Impairment of the Insured Person's intellectual faculties by abuse of stimulants or depressants or by the illegal use of any solid, liquid or gaseous substance.
  • Resulting due to any disease or infection except where such condition arises directly as a consequence of an accident during the Cover period.
  • Any claim related to Hazardous Activities.
  • Any specific time-bound or lifetime exclusions specified in the Policy Certificate.
  • Any medical or physical condition or treatment or service, which is specifically excluded under the Policy Certificate.
  • Persons whilst working with in underground mines, explosives, press, activities like racing on wheels or horseback, winter sports, canoeing involving white water rapids, any bodily contact sport.
  • Congenital Anomaly or any complications or conditions arising therefrom.
  • Bacterial infections (except pyogenic infection which occurs through an Accidental cut or wound).
  • Treatments rendered by a Doctor who shares the same residence as an Insured Person or who is a member of an Insured Person's family.
  • Any change of profession after inception of the Policy which results in the enhancement of Our risk, if not accepted and endorsed by Us on the schedule of Insurance Certificate.
  • As a result of any curative treatments or interventions that you carry out or have carried out on your body.
  • Any treatment arising from or traceable to pregnancy (including voluntary termination), miscarriage (unless due to an Accident), childbirth, maternity (including caesarian section), abortion or complications of any of these. This exclusion will not apply to ectopic pregnancy.
  • Claim arising out of mental illness, stress, psychiatric or psychological disorders.

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