Health Assurance - AccidentCare

Health Assurance - AccidentCare

An accident can exhaust the savings of a lifetime and even cause irreversible disability and loss of income. The AccidentCare Insurance Plan provides cover not just in the case of accidental death but also for Permanent Total or Partial Disability, along with a host of other benefits.


Features
  • Accidental Death: Accidents cannot be predicted, but they can be prepared for. In the case of accidental death of any insured person, the plan pays 100% of the sum insured.
  • Permanent Total Disability: In the unfortunate case of permanent total disability due to an accident, the plan pays 125% of the sum insured.
  • Permanent Partial Disability: If you incur a permanent partial disability through an accident, the plan pays up to 100% of the sum insured.
  • Child Education Benefit: Prepare for your child’s future - even when you’re not around. In case of accidental death or permanent total disability, minimum of 5% of your sum insured or Rs. 50,000 (for sum insured up to 25 lacs) / Rs. 5,00,000 (for sum insured more than 25 lacs) per child, is paid toward your child’s education. This is only applicable for plans where children are covered.
  • Funeral Expenses: Any funeral expenses are covered up to Rs. 5,000 (for sum insured up to 25 lacs) / Rs. 50,000 (for sum insured more than 25 lacs), in the case of the accidental death of any insured member.
  • Temporary Total Disability (Optional): In the unfortunate case of temporary total disability, 1% of temporary total disability sum insured is payable per week. This weekly payout shall be made for a maximum of 100 continuous weeks. This benefit can be availed and renewed by salaried individuals only.
  • Accident Hospitalization (Optional): In case of hospitalization due to an accident, medical expenses incurred towards such hospitalization shall be payable up to 2% of AccidentCare sum insured. This benefit shall be available for hospitalization in India only.
  • Individual and Family Coverage: If you are claiming your insurance as an individual, you are entitled to 100% of the sum insured promised. When you are claiming your sum insured on a family plan that covers yourself, a spouse and up to 2 children, you are entitled to 100% of the amount, your spouse is entitled to 50% or Rs. 10 Lacs (whichever is lower), and your children are entitled to 20% of the amount or Rs. 5 Lacs (whichever is lower). Adults are eligible between the age of 18 to 65 years, while dependent children are eligible between the age of 2 to 21 years.
  • 2 or 3 Year Policy Tenure Option: You can also opt for a 2 or 3 year tenure on your insurance plan and get attractive discounts on your premium.
  • Direct Claim Settlement: All claims are processed directly by Max Bupa customer services team without the need for any third-party involvement.
  • Assured Policy Renewal: Guarantee your policy renewals for life. Your premium is only calculated basis your age and city of residence, and not your claim history.
  • Free Look Period: If you are unsatisfied with your policy, you have a 15 day free look period during which you can cancel your policy simply by stating your reason.
  • Worldwide Coverage: No matter where you are in the world, or what time it is there, you are covered. However, the optional benefit of accident hospitalization shall be available for hospitalization in India only.

Permanent Exclusions
  • Suicide or self inflicted injury, whether the insured person is medically sane or insane.
  • War (whether declared or not), invasion, act of foreign enemy, hostilities, civil war, martial law, rebellion, revolution, insurrection, military or usurper power, riot or civil commotion.
  • Service in the armed forces, or any police organization, of any country at war or at peace or service in any force of an international body or participation in any of the naval, military or air force operation during peace time.
  • 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.
  • Committing an assault, a criminal offence or any breach of law with criminal intent.
  • Taking or absorbing, accidentally or otherwise, any intoxicating liquor, drug, narcotic, medicine, sedative or poison, except as prescribed by a medical practitioner other than the policyholder or an insured person.
  • Death or disablement caused by ionizing radiation or contamination by radioactivity from any nuclear fuel.
  • Participation in aviation / marine including crew other than as a fare-paying passenger in an aircraft / water craft that is authorized by the relevant regulations to carry such passengers between established airports or ports.
  • Including but not limited to engaging in or taking part in professional / adventure sports or any hazardous pursuits, such as speed contest or racing of any kind (other than on foot), bungee jumping, parasailing, ballooning, parachuting, skydiving, paragliding, hang gliding, mountain or rock climbing necessitating the use of guides or ropes, potholing, abseiling, deep sea diving using hard helmet and breathing apparatus, polo, snow and ice sports, hunting etc;
  • Any disability arising out of pre-existing diseases if not accepted and endorsed by Us.
  • Body or mental infirmity or any disease except where such condition arises directly as a correspondence of an accident during the policy period. However this exclusion is not applicable to claims made under the PPD benefit.
  • Any costs or expenses specified in the list of expenses generally excluded at Annexure II of policy document. This is applicable only for accident hospitalization benefit.