In your journey through life, you sometimes encounter accidents that could turn things upside down within moments. These accidents could have far-reaching consequences not just for you but for your loved ones as well. To help you secure your tomorrow, today, IndusInd Bank brings you Religare Health Insurance’s Secure – comprehensive Personal Accident Insurance.

RHI’s Secure leaves you worry free ‘hamesha’ with its exclusive features:

  • Compensates your nominee for accidental death
  • Cover for Permanent Total Disablement
  • Cover for Permanent Partial Disablement
  • Child Education Cover
  • Major Diagnostic Tests
  • Add-on benefit – Accidental Hospitalization covering Daily Allowance, Hospitalisation expenses and Compassionate Visit

Click on below tabs to choose the Best Plan for You

Accidental Death

In case of the tragic loss of the insured, we provide for financial support to the family by paying the sum insured to the nominated family member.

Permanent Total Disablement (PTD)

Based on the severity of the loss of a body part due to an accident/injury, we pay between 50 to 100 percent of the sum insured. For a detailed list of compensation percentages under PTD, please log on to

Permanent Partial Disablement (PPD)

Pays a pre-defined percentage of the sum insured, based on severity of loss due to the accident/injury. For a detailed list of compensation percentages under PPD, please log on to

Fractures & Burns

Get compensated for treatment of fractures/burns up to a pre-defined percentage of the sum insured, based upon severity of an injury.

Child education

In the event of an accident resulting in the insured's demise or Permanent Total Disability (PTD), we'll take care of the child's education, ensuring that his/her future is not compromised.

Disappearance covered

In the event that an accident (forced landing, stranding, sinking, wrecking, etc.) leaves the insured missing for more than 1 year and the insured's demise has been reasonably established, we will pay the sum insured to the nominee. However, if it is later found that the Insured Person survived such an Accident / Injury for which the Company had paid the claim, the said amount shall be paid back to the Company.

Mobility cover

If an injury causes Permanent Total Disability (PTD) and requires one to use prosthetic devices like artificial arms, legs or eyes, orthopaedic braces and medical equipment like wheelchairs or hospital beds, we will reimburse the expenses towards the same.

Policy Options
Plan Detail Secure 1 Secure 2
Sum Insured (in Rs.) 10 Lac 15 Lac, 20 Lac, 25 Lac & 30 Lac
Accidental Death Sum insured Sum insured
Permanent Total Disablement Yes Yes
Permanent Partial Disablement Yes Yes
Fractures Up to Rs. 50,000 Up to Rs. 1,00,000
Child Education No 10 % of Sum insured
Major Diagnosis Tests No Up to Rs. 15,000
Disappearance No Sum insured
Mobility Cover No Up to Rs. 15,000
Burns No Up to Rs. 10,00,000
Domestic Road Ambulance No No
Nursing Care No No
Reconstructive Surgery No No
Repatriation of Mortal Remains No No
Add-on Benefit: Accidental Hospitalization    
Hospitalization Expenses Up to Rs. 1,00,000 Up to Rs. 1,00,000
Daily Allowance Rs. 500 per day, Max for 5 days Rs. 500 per day, Max for 5 days
Compassionate Visit Up to Rs. 15,000 Up to Rs. 15,000

  • Any pre-existing injury or physical condition
  • Any intentional self-inflicted injury, suicide or attempted suicide, sexually transmitted conditions, mental or nervous conditions, insanity, disorder, anxiety, stress or depression
  • The Insured Person flying in an aircraft other than as a fare paying passenger in a Scheduled Airline
  • 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 recieved and incorporated accordingly in the Policy
  • Insured Person serving in any branch of the military, navy or air-force or any branch of armed Forces or any paramilitary forces
  • Any claim related to Hazardous Activities
  • 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
  • Claim arising out of mental illness, stress, psychiatric or psycho logical disorders

For more details, kindly refer to our health insurance policy's detailed exclusion list.

  • In case of accidental hospitalisation, all you have to do is present the Religare Health Card at our network of more than 4500 leading hospitals pan India and avail cashless service. As an alternate, you can also file for re-imbursement of expenses.
  • In case of all other claims, reimburse your expenses by simply notifying us. call us directly, send us the specified documents and we'll process your claim

Since you interact directly with us, we can be doubly sure that you are satisfied. And when you are satisfied, we feel satisfied too.

We deliver on our promise. We take pride in offering hassle-free clearance and speedy settlements.

Policy Terms
Minimum Entry age 91 days
Maximum age Child - 24 years Adult: 70 years
Renewal Lifelong Renewability. The Policy can be renewed under the then prevailing Health Insurance Product or its nearest substitute approved by IRDA
Age of proposer 18 years or above
Policy Issuance Policy issuance is subject to the underwriting review and approval.
Occupational Change Please inform us incase of any change in your profession/ occupation/ nature of duty/ industry of employment immediately for continuance of your policy.
Document Verification You may be called for document verification & may be required to submit relevant documents for underwriting review.

Does the policy cover accidents that result in Permanent Partial Disability or only Permanent Total Disability?

We would like to be of comfort to you in case of any accident that impacts you in either an acute or chronic way. Accordingly, the policy covers not only Accidental Death and Permanent Total Disablement (PTD) but also Permanent Partial Disablement (PPD). In the case of PPD, you receive a pre-defined percentage of the sum insured which depends on the severity of the loss due to the accident/injury.

Does the policy cover apparently cosmetic expenses like reconstructive surgery?

Whatever it takes to make you feel better after an accident is important to us. If reconstructive surgery is recommended by your medical practitioner to restore the natural function or appearance, we certainly cover it.

Does the policy cover the cost of treatment of accidents causing fractures and burns too?

Yes, in case of fractures and burns that have resulted from an injury, the insured is compensated for treatment of the same.

Will I be covered for investigative tests that may be required after an accident?

Naturally, your course of treatment will depend on the diagnosis of your medical practitioner. So, we do cover diagnostic tests as long as they are recommended by your doctor and you have claimed under Accidental Death or Permanent Total Disablement (PTD) or Permanent Partial Disablement (PPD).

Are there any benefits I can add-on to my policy?

We offer you the option of add-on benefit Accidental Hospitalization, which includes Daily Allowance, Hospitalisation expenses and Compassionate Visit. This benefit is available on payment of additional premium.

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