The "100-Month" Financial Safety Net
In the event of accidental death or Permanent Total Disability (PTD) of the insured parent, this plan ensures your child receives a fixed monthly income for 100 months (over 8 years) to cover education and living costs.
| Sum Insured (SI) | Monthly Payout (100 Months) |
|---|---|
| ₹30 Lakh SI | ₹30,000 / Month |
| ₹50 Lakh SI | ₹50,000 / Month |
| ₹1 Crore SI | ₹1,00,000 / Month |
Comprehensive Protection Features
Child Education Benefit
An additional lump sum of 10% of the Sum Insured is paid specifically for school/college fees in case of AD/PTD.
Disappearance Cover
Compensation is triggered if the insured disappears due to a common carrier accident (wrecking/sinking) and is missing for 1 year.
Medical & Mobility Support
Covers Reconstructive Surgery (up to ₹20L), Major Diagnostic Tests (MRI/CT), and Mobility aids like wheelchairs.
Recovery & Nursing
Includes fracture/burn benefits and professional nursing care at home (₹1,000/day) post-hospitalization.
Zero Waiting Period
Unlike standard health plans, accidental covers start from Day 1 with no waiting period for claims.
Loyalty Bonus
Sum Insured increases by 5% every claim-free renewal year, up to a maximum of 50% extra coverage.
Note for Mumbai Parents: Entry age starts from 18 to 70 years for parents, and 91 days to 24 years for children. This policy offers lifelong renewability.
Pradnya Gokhale
Authorized Care Health Insurance Agent (Mumbai)
Expert guidance on Personal Accident, Family Floater, and Senior Citizen plans with dedicated claims support.