Star Health - Accident Care Individual Insurance Policy
Insurance Co Ltd
Star Health and Allied Insurance Co Ltd is a joint venture between Oman Insurance Company, ICICI Ventures Funds Management, M/s. Sequoia Capita1, M/s. Alpha TC Holdings Pvt Ltd, Singapore and M/s. Tata Capital Growth Fund. The company offers wide range of health insurance products specializing for senior citizens, students and diabetes patients.
Toll Free line: 1800-425-2255 / 1800-102-4477
E-mail: support@starhealth.in
This policy offers compensation in case of death or bodily injury to the insured person, directly and solely as a result of an accident, by external, visible and violent means.
Unique Features of Star Health - Accident Care Individual Insurance Policy
Cumulative Bonus: Cumulative Bonus of 5% of the sum insured accrues to the insured person for each completed year, subject to a maximum of 50%.
Educational Grant: In the event of the death or permanent total disablement (PTD) of the Insured Person due to an accident as defined in the Policy, the Company shall pay educational grant for the dependent Children
Coverage for Winter Sports will be covered under this plan
Medical Expenses Extension: If an insured person is hospitalized due to an accident resulting to bodily injury, death or disablement, the company will reimburse the medical expenses which are reasonable and necessary
Cost of Transporting Mortal Remains: Cost of transportation for carrying the dead body to home which includes the funeral charges as well.
Purchase of Blood: Compensation paid towards the expenses incurred in purchasing blood through a Hospital or Government approved blood bank.
Eligibility Criteria for Star Health - Accident Care Individual Insurance Policy
| Category | Details | |||||||
|---|---|---|---|---|---|---|---|---|
| Age Group | Min Entry Age: 18 Years Max Entry Age: 70 Years Min Entry Age: 5 Months Max Entry Age: 21 Years (Dependent children) |
|||||||
| Renewal Age | Life Long Renewal | |||||||
| Sum Insured | Rs. 5 Lacs to Rs. 15 Lacs | |||||||
| Policy Tenure | 1 Year, 2 Years and 3 Years | |||||||
| Family Definition | Individual & Family - Self, Spouse and children | |||||||
Product Benefits of Star Health - Accident Care Individual Insurance Policy
| Benefits | Description | ||||||||
|---|---|---|---|---|---|---|---|---|---|
| Table A | Accidental Death | 100% of Sum Insured + Bonus (if any) | |||||||
| Table B | a. Accidental Death | 100% of Sum Insured + Bonus (if any) | |||||||
| b. Permanent Total Disability | 150% of Sum Insured + Bonus (if any) | ||||||||
| c. Permanent Partial Disability | Specified percentage depending on the disability | ||||||||
| Table C | a. Accidental Death | 100% of Sum Insured + Bonus (if any) | |||||||
| b. Permanent Total Disability | 150% of Sum Insured + Bonus (if any) | ||||||||
| c. Permanent Partial Disability | Specified percentage depending on the disability | ||||||||
| d. Temporary Total Disability | 1% of Sum Insured; maximum Rs.15000 per week, up to 100 weeks | ||||||||
| Education Grant | Rs. 10000 for one dependent children and Rs. 20000 for two dependent children, below the age of 18 years | ||||||||
| Ambulance Charges / Transportation Expenses of Mortal Remains | Lumpsum of Rs. 5000 for either ambulance charges or transportation of mortal remains. | ||||||||
| Travel Expenses for One Relative | 1% of Sum Insured upto Rs.50000 | ||||||||
| Vehicle and/or Residence Modification | 10% of sum of Table B & Table C Sum Insured; maximum Rs. 50000 (Claim payable under Permanent Total Disability) | ||||||||
| Purchase of Blood | 5% of Sum Insured under Table A; maximum Rs. 10000 | ||||||||
| Transportation of Imported Medicines | 5% of Sum Insured; maximum Rs. 20000 | ||||||||
| Cumulative Bonus | Cumulative Bonus of 5% of the sum insured accrues to the insured person for each completed year, subject to a maximum of 50%. | ||||||||
Add-ons for Star Health - Accident Care Individual Insurance Policy
| Add-ons | Details | ||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Medical Expenses Extension | Upto 25% of the valid claim or 10% of the sum insured or actual whichever is less subject to a overall limit of Rs.5 Lacs per policy period. | ||||||||||||||
| Coverage for Winter Sports | This extension can be granted for the period the Insured person proposes to participate in such sports. | ||||||||||||||
| Hospital cash | Cash benefit of RRs. 1000 per day for hospitalization within 30 days from the date of accident for 15 days per occurrence & 60 days per policy period. | ||||||||||||||
| Home Convalescence | Rs. 500 for per day, maximum 15 days per occurrence and 60 days per policy period. | ||||||||||||||
Additional discounts for Star Health - Accident Care Individual Insurance Policy
| Discounts | Details | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| Family Discount | 10 % Family Discount if more than 1 member is covered under the policy | ||||||||||
Exclusion in Star Health - Accident Care Individual Insurance Policy
Accidental Bodily Injury that you meet with or arises out of:
- Any existing disablement prior to the inception of the policy
- Suicide, attempted suicide
- Serving in military, armed forces
- Under the influence of drugs, alcohol & other intoxicants
- Participation in felony, riots, war etc.
- Exposure to nuclear, radioactive materials
- Loss due to child birth or pregnancy, etc.
Claim Process for Star Health - Accident Care Individual Insurance Policy
In case you would like to know about the Claim Process or would like to register a Claim please click the link below
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