As per a study that was published in the Indian Journal of Medical Research, more than 69% of individuals in Delhi who are aged between 38 to 68 years suffer from continuous bone loss and have a potential risk of fractures. These include hip, spinal, forearm, and shoulder fractures. The treatment of such fractures may vary depending on the severity of the fracture. In case the bone is completely deformed or broken, you may be hospitalised and require surgery. This may not only be physically excruciating but can also take a toll on your finances if you are not prepared for it beforehand. This is where the Fracture Cover from Care Health Insurance can help you. With this fracture insurance plan, you can get insurance coverage of up to ₹25,000 for the treatment of broken bones.
Let’s take a look at the details of this accidental fracture insurance cover:
Premium (including GST)
Up to ₹25,000
The Fracture Cover allows you to file a claim for fractures of the hip, thigh, heel, elbow, arms, skull, etc.
Apart from providing coverage against fracture, the plan also covers the death of the insured due to an accident.
With this plan, you are offered a maximum coverage of up to ₹25,000 against fractures that result in bone injury, with the facility to claim the treatment charges as per the severity of the condition.
If you sustain at least one compound fracture and one complete fracture of the hip, pelvis, thigh, heel, leg, skull, shoulder bone, arm, hand, elbows or ankle, you are entitled to 100% of the Fracture cover.
Compound fractures of the hip or pelvis, complete fracture of the lower arm (Colles type) and multi fractures with at least one complete fracture of the thigh or heel are covered partially.
You can claim 30% of the coverage amount for a compound fracture of the shoulder blade, skull, elbow, upper or lower arm, lower leg or ankle and wrist. However, Colles fractures are excluded.
A cover of ₹10,000 is provided for sudden death due to an accident. The death must occur due to accidental injuries.
The Fracture Cover does not protect you against hairline fractures or simple bone or joint dislocation.
If your teeth get broken in an accident, you cannot file a claim for fracture as per the policy guidelines.
Here is all you need to do to apply for this fracture cover insurance policy:
In case of an injury that results in a fracture, you can easily reach out to Care Health Insurance Ltd. to file a claim. You can contact them via the following methods:
Call their toll-free number at 18001024488
Send an email to email@example.com
Information on how to file your claim along with the necessary documents will be provided so that your fracture claim is processed quickly.
For any queries related to the Fracture Cover, you can connect with Bajaj MARKETS at firstname.lastname@example.org.
No, you can only claim a maximum of ₹25,000 as specified by the policy rules.
Your nominee shall receive a death benefit of ₹10,000 in that case.
Any fracture of the dental kind is not covered under the Fracture Cover.
The policy is available online and hence only digital payment modes are acceptable.
Only the policyholder is offered coverage against fracture according to the guidelines.