{"uin":"CHIPAIP25046V042425","name":"Secure","url":"https://indiainsurances.com/policy/care-health-insurance/secure-chipaip25046v042425","insurer":{"slug":"care-health-insurance","name":"Care Health Insurance Ltd","url":"https://indiainsurances.com/insurer/care-health-insurance"},"line":"health","category":"personal-accident","category_name":"Personal accident","irdai_type":null,"kind":"product","status":"active","approved_on":"2014-03-20","withdrawn_on":null,"summary":"Secure is a personal accident policy with Secure 1 to Secure 6 plan variants and sum insured ranges from Rs. 1 Lac to 25 Crore depending on the plan. It covers accident benefits such as accidental death, disablement, fractures and burns, and has 11 optional covers.","analysis":{"state":"machine","analysed_at":"2026-10-20 03:30:02.369612+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"quote-verified","value":["Secure 1","Secure 2","Secure 3","Secure 4","Secure 5","Secure 6"],"display":"Secure 1, Secure 2, Secure 3, Secure 4, Secure 5, Secure 6","note":null,"quote":"S.No. | Plan Name | Secure 1 | Secure 2 | Secure 3 | Secure 4 | Secure 5 | Secure 6","sources":[{"clause":null,"heading":"Schedule of Benefits","page":15,"url":"https://indiainsurances.com/policy/care-health-insurance/secure-chipaip25046v042425/document/19500#c-schedule-of-benefits"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"The policy tenure options are 1, 2, 3, 4 or 5 years.","display":"1/ 2/ 3/ 4/ 5 years","note":"From the prospectus.","quote":"Tenure (in Years) | 1/ 2/ 3/ 4/ 5","sources":[{"clause":"1","heading":"Eligibility Criteria","page":1,"url":"https://indiainsurances.com/policy/care-health-insurance/secure-chipaip25046v042425/document/19500#c-1"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"Notify the company with full particulars within 48 hours from the event or before discharge from hospital. For planned hospitalisation, give written intimation at least 48 hours before the planned admission date.","display":"Within 48 hours from the event or before discharge; planned hospitalisation at least 48 hours before admission","note":null,"quote":"If any Injury is suffered or any other contingency occurs which has resulted in a Claim or may result in a Claim under the Policy, the Company shall be notified with full particulars within 48 hours from the date of occurrence of event or before the Insured Person’s discharge from Hospital, either at the Company’s call center or in writing. ... If the Insured Person is to undergo planned Hospitalization, the Policyholder or Insured Person shall give written intimation to the Company of the proposed Hospitalization at least 48 hours prior to the planned date of admission to Hospital.","sources":[{"clause":"5.1(i)","heading":null,"page":33,"url":"https://indiainsurances.com/policy/care-health-insurance/secure-chipaip25046v042425/document/19412#c-5-1-i"},{"clause":"5.1(ii)","heading":null,"page":34,"url":"https://indiainsurances.com/policy/care-health-insurance/secure-chipaip25046v042425/document/19412#c-5-1-ii"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["completed and signed claim form","Identity Proof","Address Proof","Age Proof","Incident Proof","Cause of Loss","Claimant Identity"],"display":"Completed and signed claim form with identity, address, age, incident, cause of loss and claimant identity proof","note":"The wording says the listed documents are indicative and benefit-specific claim documents may apply.","quote":"The following information and documents shall be submitted along with a completed and signed claim form to the Company at the earliest and in any event within 30 days of occurrence of the event in respect of all Claims and claim will be registered only on submission of below documents. ... Identity Proof | Voter ID, Passport, PAN Card, Driving License, ration card, Aadhar, or any other proof accepted by the KYC norms as approved by the company and which is admissible in court of law.\nAddress Proof | Voter ID, Passport, Driving License\nAge Proof | Voter ID, Passport, PAN Card, Matriculation Pass Certificate, Driving License, Birth Certificate\nIncident Proof | FIR, Panchnama, Final Police Report, State Electricity Board Report, Factory Inspection Report, Forensic Report, Valid Passenger Ticket /Boarding Pass of the Common Carrier, or any other proof to the satisfaction of the Company.\nCause of Loss | Viscera Report, Post Mortem Report (if conducted), MLC report, Medical Report/Certificate stating the cause of death\nClaimant Identity | Succession Certificate, Identity Proof of Nominee, legal heirs or any other proof to the satisfaction of the company for the purpose of a valid discharge.","sources":[{"clause":"5.3(a)","heading":null,"page":35,"url":"https://indiainsurances.com/policy/care-health-insurance/secure-chipaip25046v042425/document/19412#c-5-3-a"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"The company shall settle any claim within 15 days of intimation on receipt of all necessary documents and information. After the insured accepts the settlement offer, payment is made within 7 days; delay beyond the timeline carries interest at 2% above bank rate.","display":"Settle within 15 days of intimation on receipt of all necessary documents; payment within 7 days of acceptance","note":null,"quote":"The Company shall settle any Claim within 15 days of intimation on receipt of all the necessary documents/ information as required for settlement of such Claim and sought by the Company. The Company shall provide the Insured Person an offer of settlement of Claim and upon acceptance of such offer by the Insured Person the Company shall make payment within 7 days from the date of receipt of such acceptance. In case there is delay in the payment beyond the stipulated timelines, the Company shall pay additional amount as interest at a rate which is 2% above the bank rate prevalent at the beginning of the financial year in which the claim is reviewed by it.","sources":[{"clause":"5.5(g)","heading":null,"page":41,"url":"https://indiainsurances.com/policy/care-health-insurance/secure-chipaip25046v042425/document/19412#c-5-5-g"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Any Illness including any pre-existing condition or its complications","Any pre-existing injury or disability","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","Influence of drugs , alcohols or other intoxications or hallucinogens","War (whether declared or not) and warlike occurrence","Participation in actual or attempted felony, riots, civil commotion or criminal misdemeanour","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","Radioactive contamination","Any claim related to Hazardous Activities","External Congenital Anomaly or any complications or conditions arising therefrom","Any treatment arising from or traceable to pregnancy","Claim arising out of mental illness, psychiatric or psychological disorders","OPD treatment"],"display":"Illness and pre-existing conditions, pre-existing injury or disability, non-scheduled-airline flying, self-inflicted injury or suicide, intoxication, war, felony or riots, criminal breach of law, military service, radioactive contamination, hazardous activities, external congenital anomaly, pregnancy-related treatment, mental illness, and OPD treatment","note":"OPD treatment exclusion is superseded to the extent covered if Optional Cover 8 Accidental OPD Cover is opted.","quote":"Any Illness including any pre-existing condition or its complications except where an Insured Event under general conditions applicable to all Benefits resulting from an illness which arises directly as a consequence of an Injury sustained during the Policy Period; ... Any pre-existing injury or disability; ... 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 or depression; ... Influence of drugs , alcohols or other intoxications or hallucinogens; ... War (whether declared or not) and warlike occurrence ... Participation in actual or attempted felony, riots, civil commotion or criminal misdemeanour; ... 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; ... Any claim related to Hazardous Activities. Persons whilst working with in underground mines or surface mining, explosives, press, activities like racing on wheels or horseback, winter sports, canoeing involving white water rapids, any bodily contact sport.\n(xviii) External Congenital Anomaly or any complications or conditions arising therefrom. ... 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.\n(xxiv) Claim arising out of mental illness, psychiatric or psychological disorders. ... OPD treatment.","sources":[{"clause":"3(a)","heading":null,"page":29,"url":"https://indiainsurances.com/policy/care-health-insurance/secure-chipaip25046v042425/document/19412#c-3-a"},{"clause":"3(III)","heading":"Biological attack or weapons","page":30,"url":"https://indiainsurances.com/policy/care-health-insurance/secure-chipaip25046v042425/document/19412#c-3-iii"},{"clause":"3(ix)","heading":null,"page":32,"url":"https://indiainsurances.com/policy/care-health-insurance/secure-chipaip25046v042425/document/19412#c-3-ix"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"For a grievance, contact the company through its grievance website, Care Health customer app, WhatsApp number, courier to branch or corporate office, or the grievance cell at a branch. If not satisfied, contact the grievance officer at the branch or corporate office before approaching the Insurance Ombudsman or IRDAI Bima Bharosa.","display":"Company grievance channels first, then grievance officer, then Insurance Ombudsman or IRDAI Bima Bharosa","note":null,"quote":"In case of any grievance the Insured Person may contact the Company through Website/link: https://www.careinsurance.com/customer-grievanceredressal.html Mobile App: Care Health- Customer App Toll free (whatsapp number): 8860402452 Courier: Any of Company’s Branch Office or corporate office Insured Person may also approach the grievance cell at any of the Company's branches with the details of grievance. If Insured Person is not satisfied with the redressal of grievance through one of the above methods, Insured Person may contact the grievance officer at Branch Office or corporate office. For updated details of grievance officer, kindly refer the link https://www.careinsurance.com/customer-grievanceredressal.html If Insured Person is not satisfied with the redressal of grievance through above methods, the Insured Person may also approach the office of Insurance Ombudsman of the respective area/region for redressal of grievance as per Insurance Ombudsman Rules 2017. Grievance may also be lodged at IRDAI integrated Grievance Management System - https://bimabharosa.irdai.gov.in/","sources":[{"clause":"6.19","heading":"Grievances","page":47,"url":"https://indiainsurances.com/policy/care-health-insurance/secure-chipaip25046v042425/document/19412#c-6-19"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"quote-verified","value":"Sum insured depends on plan: Secure 1 Rs. 1 Lac to 10 Lac; Secure 2 above Rs. 10 Lac up to 30 Lac; Secure 3 above Rs. 30 Lac up to 3 Crore; Secure 4 above Rs. 3 Crore up to 25 Crore; Secure 5 Rs. 1 Lac to 30 Lac; Secure 6 Rs. 1 Lac to 25 Crore.","display":"Secure 1: Rs. 1 Lac to 10 Lac; Secure 2: above Rs. 10 Lac up to 30 Lac; Secure 3: above Rs. 30 Lac up to 3 Crore; Secure 4: above Rs. 3 Crore up to 25 Crore; Secure 5: Rs. 1 Lac to 30 Lac; Secure 6: Rs. 1 Lac to 25 Crore","note":null,"quote":"S.No. | Plan Name | Secure 1 | Secure 2 | Secure 3 | Secure 4 | Secure 5 | Secure 6\nSum Insured - on annual basis (in Rs.) | 1 Lac to 10 Lac | Above 10 Lac up to 30 Lac | Above 30 Lac up to 3 Crore | Above 3 Crore up to 25 Crore | 1 Lac to 30 Lac | 1 Lac to 25 Crore","sources":[{"clause":null,"heading":"Schedule of Benefits","page":15,"url":"https://indiainsurances.com/policy/care-health-insurance/secure-chipaip25046v042425/document/19500#c-schedule-of-benefits"}],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"quote-verified","value":{"unit":"days","amount":0},"display":"No Waiting Period","note":"This is a personal accident product; the CIS states no waiting period unless specified under any benefit.","quote":"Waiting Period - Time period during which specified diseases/treatments are not covered - It is counted from the beginning of the policy coverage. | No Waiting Period is applicable in this product unless specified under any benefit.","sources":[{"clause":"Row 5(xvi)","heading":null,"page":24,"url":"https://indiainsurances.com/policy/care-health-insurance/secure-chipaip25046v042425/document/19426#c-row-5-xvi"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"not-applicable","value":null,"display":null,"note":"This personal accident policy excludes illness including pre-existing conditions and pre-existing injury or disability instead of covering pre-existing diseases after a waiting period.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"not-applicable","value":null,"display":null,"note":"This personal accident policy does not provide illness/procedure cover with named disease waiting periods; the CIS says no waiting period is applicable unless specified under a benefit.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"not-applicable","value":null,"display":null,"note":"There is no specific illness waiting-period list for this personal accident product.","quote":null,"sources":[],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"quote-verified","value":"The policyholder or insured person can apply to the company for a health insurance policy if the proposed insured is covered without a break under an individual health policy from an Indian non-life or health insurer or a group health policy from the company. The wording also says portability provisions apply if the insured migrates to any other health insurance policy.","display":"Portability provisions apply, subject to no break in prior cover","note":null,"quote":"The Policyholder and / or Insured Person can apply to the Company for a health insurance policy only in case the proposed Insured Person is covered without any break under any individual health insurance policy from any Indian non-life insurance company or Health Insurance Company registered with the IRDAI or any group health insurance policy from the Company.\n* Note: Portability provisions will apply even if the Insured Person migrates to any other health insurance policy.","sources":[{"clause":"4","heading":"Portability","page":33,"url":"https://indiainsurances.com/policy/care-health-insurance/secure-chipaip25046v042425/document/19412#c-4"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"quote-verified","value":true,"display":"Yes, lifelong","note":null,"quote":"Renewal shall be offered lifelong. The company will ordinarily not refuse to renew the Policy except on grounds of fraud, moral hazard or misrepresentation or non-disclosure or non-co-operation by the Insured.","sources":[{"clause":"6.10(b)","heading":null,"page":44,"url":"https://indiainsurances.com/policy/care-health-insurance/secure-chipaip25046v042425/document/19412#c-6-10-b"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"quote-verified","value":"No loading based on individual claim experience is applicable on the renewal premium.","display":"No loading based on individual claim experience","note":null,"quote":"No loading based on individual claim experience shall be applicable on renewal premium payable.","sources":[{"clause":"6.10(e)","heading":null,"page":44,"url":"https://indiainsurances.com/policy/care-health-insurance/secure-chipaip25046v042425/document/19412#c-6-10-e"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"quote-verified","value":["Any Illness including any pre-existing condition or its complications","Any pre-existing injury or disability","operating or learning to operate any aircraft","flying in an aircraft other than as a fare paying passenger in a Scheduled Airline","Any intentional self-inflicted injury, suicide or attempted suicide","Influence of drugs , alcohols or other intoxications or hallucinogens","War (whether declared or not) and warlike occurrence","Participation in actual or attempted felony, riots, civil commotion or criminal misdemeanour","Any act resulting in breach of law committed by the Insured Person with a criminal intent","serving in any branch of the military, navy or air-force","Radioactive contamination","Any claim related to Hazardous Activities","External Congenital Anomaly or any complications or conditions arising therefrom","Any treatment arising from or traceable to pregnancy","Claim arising out of mental illness, psychiatric or psychological disorders"],"display":"Permanent exclusions include illness and pre-existing conditions, pre-existing injury or disability, aircraft operation or non-scheduled flying, self-inflicted injury or suicide, intoxication, war, felony/riots, criminal breach of law, armed forces service, radioactive contamination, hazardous activities, external congenital anomaly, pregnancy-related treatment and mental illness","note":"The policy wording does not label these exclusions with Excl04 to Excl18 codes.","quote":"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:\ni) Any Illness including any pre-existing condition or its complications except where an Insured Event under general conditions applicable to all Benefits resulting from an illness which arises directly as a consequence of an Injury sustained during the Policy Period;\nii) Any pre-existing injury or disability;\niii) 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;\niv) The Insured Person flying in an aircraft other than as a fare paying passenger in a Scheduled Airline;\nv) Any intentional self-inflicted injury, suicide or attempted suicide, sexually transmitted conditions, mental or nervous conditions, insanity, disorder or depression;\nvi) Influence of drugs , alcohols or other intoxications or hallucinogens;\nvii) War (whether declared or not) and warlike occurrence ... xi) Any act resulting in breach of law committed by the Insured Person with a criminal intent;\nxii) The Insured Person serving in any branch of the military, navy or air-force or any branch of armed Forces or any paramilitary forces;\nxiii) Radioactive contamination whether arising directly or indirectly or any consequential loss thereof, ionizing radiation, toxic, explosive or other hazardous properties of nuclear material; ... Any claim related to Hazardous Activities. Persons whilst working with in underground mines or surface mining, explosives, press, activities like racing on wheels or horseback, winter sports, canoeing involving white water rapids, any bodily contact sport.\n(xviii) External Congenital Anomaly or any complications or conditions arising therefrom. ... 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.\n(xxiv) Claim arising out of mental illness, psychiatric or psychological disorders.","sources":[{"clause":"3(a)","heading":null,"page":29,"url":"https://indiainsurances.com/policy/care-health-insurance/secure-chipaip25046v042425/document/19412#c-3-a"},{"clause":"3(III)","heading":"Biological attack or weapons","page":30,"url":"https://indiainsurances.com/policy/care-health-insurance/secure-chipaip25046v042425/document/19412#c-3-iii"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The policyholder may cancel by giving 7 days written notice, and the company will refund proportionate premium for the unexpired policy period. No refund is made where any claim has been admitted or lodged or any benefit has been availed.","display":"7 days written notice; proportionate premium refund for unexpired policy period; no refund if a claim is admitted, lodged or benefit availed","note":null,"quote":"The Policyholder may cancel this policy by giving 7 days written notice and in such an event, the Company shall refund proportionate premium for unexpired Policy Period. ... Notwithstanding anything contained herein or otherwise, no refunds of premium shall be made in respect of Cancellation where, any claim has been admitted or has been lodged or any benefit has been availed by the Insured Person under the Policy","sources":[{"clause":"6.11(b)","heading":null,"page":45,"url":"https://indiainsurances.com/policy/care-health-insurance/secure-chipaip25046v042425/document/19412#c-6-11-b"},{"clause":"6.11(c)","heading":null,"page":45,"url":"https://indiainsurances.com/policy/care-health-insurance/secure-chipaip25046v042425/document/19412#c-6-11-c"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"Several accident benefits and optional covers apply worldwide, but no cover is available in listed civilian nations. Some benefits and optional covers in the scope table are India-only.","display":"Worldwide for listed accident benefits and optional covers, excluding listed civilian nations; some benefits are India-only","note":"The scope varies by benefit or optional cover.","quote":"The Company will provide coverage under the Benefits 1, 2, 3, 4, 5, 7, 9, 11 & 13 and Optional Covers 2, 3, 5, 6, 7, 9 10 & 11 to any Insured Event arising worldwide provided no coverage is available in listed civilian nations (as per\n10 Annexure – III). ... 6 | Benefit 6 | Major Diagnostics Tests | Indemnity | Addition to Main Sum Insured | India | Benefit 1 or Benefit 2 or Benefit 3 ... 8 | Benefit 8 | Mobility cover | Benefit | Addition to Main Sum Insured | India | Benefit 2 ... 10 | Benefit 10 | Domestic Road Ambulance | Indemnity | Addition to Main Sum Insured | India | Not Applicabl e ... 12 | Benefit 12 | Reconstructive Surgery | Indemnity | Addition to Main Sum Insured | India | Benefit 2 or Benefit 3 ... Optional Cover 1: Accidental Hospitalization | a) Hospitalization Expenses b) Daily Allowance c) Compassionate visit | Indemnity Benefit Indemnity | Addition to Main Sum Insured | India | Not Applicable Not Applicable Not Applicable","sources":[{"clause":"2(ii)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/care-health-insurance/secure-chipaip25046v042425/document/19412#c-2-ii"},{"clause":"Row 6","heading":"Benefit 6","page":75,"url":"https://indiainsurances.com/policy/care-health-insurance/secure-chipaip25046v042425/document/19412#c-row-6-2"},{"clause":"Row 8","heading":"Benefit 8","page":75,"url":"https://indiainsurances.com/policy/care-health-insurance/secure-chipaip25046v042425/document/19412#c-row-8-2"},{"clause":"Row 10","heading":"Benefit 10","page":76,"url":"https://indiainsurances.com/policy/care-health-insurance/secure-chipaip25046v042425/document/19412#c-row-10-2"},{"clause":"Row 12","heading":"Benefit 12","page":76,"url":"https://indiainsurances.com/policy/care-health-insurance/secure-chipaip25046v042425/document/19412#c-row-12-2"},{"clause":"Row 14","heading":"Benefit 14","page":76,"url":"https://indiainsurances.com/policy/care-health-insurance/secure-chipaip25046v042425/document/19412#c-row-14"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"Free look is not applicable at renewal.","quote":"The Policyholder may, within 30 days from the receipt of the Policy document, return the Policy stating reasons for his objection, if the Policyholder disagrees with any Policy terms and conditions.","sources":[{"clause":"6.7(a)","heading":null,"page":43,"url":"https://indiainsurances.com/policy/care-health-insurance/secure-chipaip25046v042425/document/19412#c-6-7-a"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"The renewal clause states 30 days; the definition clause also says fifteen days for monthly premium payment mode and thirty days in all other cases.","quote":"For the purpose of this provision, Grace Period means a period of 30 days immediately following the Policy Period End Date during which a payment can be made to renew this Policy without loss of continuity benefits. ... The grace period for payment of the premium for all types of insurance policies shall be: fifteen days where premium payment mode is monthly and thirty days in all other cases.","sources":[{"clause":"6.10(a)","heading":null,"page":44,"url":"https://indiainsurances.com/policy/care-health-insurance/secure-chipaip25046v042425/document/19412#c-6-10-a"},{"clause":"1.24","heading":"Grace Period","page":5,"url":"https://indiainsurances.com/policy/care-health-insurance/secure-chipaip25046v042425/document/19412#c-1-24"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"Minimum entry age is 91 days. Maximum entry age is 24 years for a child and 70 years for an adult.","display":"Minimum 91 days; maximum Child: 24 years, Adult: 70 years","note":"From the prospectus.","quote":"Minimum Entry Age | 91 days\nMaximum Entry Age | Child : 24 years Adult : 70 years","sources":[{"clause":"1","heading":"Eligibility Criteria","page":1,"url":"https://indiainsurances.com/policy/care-health-insurance/secure-chipaip25046v042425/document/19500#c-1"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"quote-verified","value":["Accidental Hospitalization","Permanent Total Disablement Improvement","Permanent Partial Disablement Improvement","Accidental Hospitalization Expenses","Convalescence Benefit","Accidental Hospitalization Daily Allowance","Temporary Total Disablement","Accidental OPD Cover","Common Carrier Mishap Cover","Temporary Total Disablement Plus","Protection Benefit"],"display":"11 optional covers: Accidental Hospitalization; PTD Improvement; PPD Improvement; Accidental Hospitalization Expenses; Convalescence Benefit; Accidental Hospitalization Daily Allowance; Temporary Total Disablement; Accidental OPD Cover; Common Carrier Mishap Cover; Temporary Total Disablement Plus; Protection Benefit","note":"Optional covers apply only if opted and specified in the policy schedule.","quote":"The Policy provides the following Optional Covers which can be opted either at the inception of the Policy or at the time of renewal. ... Optional Cover 1: Accidental Hospitalization | a) Hospitalization Expenses b) Daily Allowance c) Compassionate visit | Indemnity Benefit Indemnity | Addition to Main Sum Insured | India | Not Applicable Not Applicable Not Applicable\nOptional Cover 2 | Permanent Total Disablement Improvement | Benefit Sum Insured | Addition to Main | Worldwide | Benefit 2\nOptional Cover 3 | Permanent Partial Disablement Improvement | Benefit Sum Insured | Addition to Main | Worldwide | Benefit 3\nOptional Cover 4 | Accidental Hospitalization Expenses | Indemnity | Addition to Main Sum Insured | India | Not Applicable\nOptional Cover 5 | Convalescence Benefit | Benefit | Addition to Main Sum Insured | Worldwid e | Not Applicabl e\nOptional Cover 6 | Accidental Hospitalization Daily Allowance | Benefit | Addition to Main Sum Insured | Worldwid e | Not Applicabl e\nOptional Cover 7 | Temporary Total Disablement | Benefit | Addition to Main Sum Insured | Worldwid e | Not Applicabl e\nOptional Cover 8 | Accidental OPD Cover | Indemnity | Part of Main Sum Insured | Worldwid e | Not Applicabl e\nOptional Cover 9 | Common Carrier Mishap Cover | Benefit | Addition to Main Sum Insured | Worldwid e | Benefit 1 or Benefit 2\nOptional Cover 10 | Temporary Total Disablement Plus | Benefit | Part of Main Sum Insured | Worldwid e | Not Applicabl e\nOptional Cover 11 | Protection Benefit | Benefit | Part of Main Sum Insured | Worldwid e | Benefit 1","sources":[{"clause":null,"heading":"Optional Covers","page":22,"url":"https://indiainsurances.com/policy/care-health-insurance/secure-chipaip25046v042425/document/19412#c-optional-covers"},{"clause":"Row 14","heading":"Benefit 14","page":76,"url":"https://indiainsurances.com/policy/care-health-insurance/secure-chipaip25046v042425/document/19412#c-row-14"}],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"quote-verified","value":"Coverage is not available for the period for which premium is not received and the company is not liable for claims incurred during that period. The definition clause says insurers shall offer coverage during the grace period if premium is paid in instalments during the policy period.","display":"No cover during unpaid grace period; instalment-premium exception stated in definition","note":null,"quote":"Coverage is not available for the period for which premium is not received by the Company and the Company shall not be liable for any Claims incurred during such period. ... Provided the insurers shall offer coverage during the grace period, if the premium is paid in instalments during the policy period.","sources":[{"clause":"6.10(a)","heading":null,"page":44,"url":"https://indiainsurances.com/policy/care-health-insurance/secure-chipaip25046v042425/document/19412#c-6-10-a"},{"clause":"1.24","heading":"Grace Period","page":5,"url":"https://indiainsurances.com/policy/care-health-insurance/secure-chipaip25046v042425/document/19412#c-1-24"}],"law":[]},{"key":"accidental_death","label":"Accidental death","section":"Cover","meaning":"What is paid if an accident causes death.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"permanent_total_disability","label":"Permanent total disability","section":"Cover","meaning":"What is paid for permanent total disability.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"permanent_partial_disability","label":"Permanent partial disability","section":"Cover","meaning":"The table of payouts for losing a limb, eye, hearing...","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"temporary_total_disability","label":"Temporary total disability","section":"Cover","meaning":"Weekly income paid while you cannot work after an accident.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"accident_medical","label":"Accident medical expenses","section":"Cover","meaning":"Treatment costs after an accident.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"occupation_classes","label":"Occupation rules","section":"Eligibility","meaning":"Whether your job affects cover or premium.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Secure - Policy Terms and Conditions (effective-from-05-March-2025)","pages":92,"fetched_at":"2026-10-20 01:56:41+00","source_url":"https://cms.careinsurance.com/cms/public/uploads/download_center/secure---policy-terms-and-conditions-(effective-from-05-march-2025).pdf","url":"https://indiainsurances.com/policy/care-health-insurance/secure-chipaip25046v042425/document/19412"},{"kind":"wording","label":"Secure (IRDAI copy)","pages":31,"fetched_at":"2026-10-20 02:20:26+00","source_url":"https://irdai.gov.in/documents/37343/931203/Secure_2013-2014.pdf/a9d725dd-dde9-e26a-8f85-522d0144c145?version=1.1&t=1668317843920&download=true","url":"https://indiainsurances.com/policy/care-health-insurance/secure-chipaip25046v042425/document/28035"},{"kind":"prospectus","label":"Secure (Personal Accident Product) - Prospectus cum Sales Literature","pages":36,"fetched_at":"2026-10-20 02:01:01+00","source_url":"https://cms.careinsurance.com/cms/public/uploads/download_center/secure-(personal-accident-product)---prospectus-cum-sales-literature.pdf","url":"https://indiainsurances.com/policy/care-health-insurance/secure-chipaip25046v042425/document/19500"},{"kind":"cis","label":"secure - customer information sheet","pages":29,"fetched_at":"2026-10-20 01:57:31+00","source_url":"https://cms.careinsurance.com/cms/public/uploads/download_center/secure_customer_information_sheet.pdf","url":"https://indiainsurances.com/policy/care-health-insurance/secure-chipaip25046v042425/document/19426"},{"kind":"brochure","label":"Secure Plus - Brochure","pages":7,"fetched_at":"2026-10-20 01:56:57+00","source_url":"https://cms.careinsurance.com/cms/public/uploads/download_center/secure-plus---brochure.pdf","url":"https://indiainsurances.com/policy/care-health-insurance/secure-chipaip25046v042425/document/19416"},{"kind":"brochure","label":"Secure (Personal Accident Insurance Product) - Brochure","pages":7,"fetched_at":"2026-10-20 01:59:17+00","source_url":"https://cms.careinsurance.com/cms/public/uploads/download_center/secure-(personal-accident-insurance-product)---brochure.pdf","url":"https://indiainsurances.com/policy/care-health-insurance/secure-chipaip25046v042425/document/19462"}],"versions":[{"uin":"IRDA/NL-HLT/RHI/P-P/V.I/273/13-14","version":null,"approved_on":null},{"uin":"CHIPAIP25046V042425","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Care Health Insurance official website","url":"https://www.careinsurance.com","note":"Website as listed by IRDAI. Not checked: the site blocks automated requests (bot wall) for our crawler on 2026-10-19; we do not bypass walls."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Secure (UIN CHIPAIP25046V042425), IndiaInsurances, https://indiainsurances.com/policy/care-health-insurance/secure-chipaip25046v042425"}