| There are many types of accidents that can happen suddenly, or that one may be particularly exposed to the risk of. The consequences could be serious - ranging from disabilities to weeks of hospitalization. By way of prudence and caution, you should be suitably insured according to your standard of living. STAR Health Accident Care Insurance provides compensation in the event of death, permanent disability and injuries suffered due to accidents. |
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| Accident Care Benefits |
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Accidental death |
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Permanent disability total or partial following an accident |
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Temporary total disablement the Insured Person is eligible for a weekly benefit at 1% of Capital Sum Insured (following an accident) subject to maximum of Rs.5000/- per week for a 100 weeks |
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| Free Benefits |
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Educational grant to children at Rs.5000/- per child and Rs.10, 000/- for 2 children (maximum 2children) |
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Transportation expenses of the mortal remains of the insured up to a maximum of Rs.3000/- |
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Travel expenses of one relative up to a maximum of Rs.1000/- to the place of accident |
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| Cumulative Bonus |
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Cumulative Bonus of 5% of the sum insured continuously renewed accrues to the Insured Person for every claim free year, subject to a maximum of 50% |
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| Medical Expense Extension |
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Policy can be extended to cover Medical Expenses on payment of Additional Premium |
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| Risk Groups |
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Risk Group I Persons engaged primarily in administrative functions |
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Risk Group II Persons engaged in manual work other than what is specifically provided for under Group III |
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Risk Group III Persons working in explosives industry, mines workers, high tension electric supply, horse racing including jockeys, athletes and occupations of similar hazards |
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| How much to pay? |
| For individuals |
| Coverage / Risk Group |
Group I |
Group II |
Group III |
| Table I |
0.45 per mille |
0.60 per mille |
0.80 per mille |
| Table II |
0.80 per mille |
1.30 per mille |
1.75 per mille |
| Table III |
1.25 per mille |
1.75 per mille |
2.00 per mille |
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| For Groups |
| Group Size |
% of discount on Premium
(excluding add-on covers & service tax) |
| 2 - 100 Persons |
5% |
| 101 - 1000 Persons |
10% |
1001 - 5000 Persons
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12.5% |
| 5001 - 10000 Persons |
15% |
| 10000 Persons |
20% |
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| Group Policy |
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Group Policies are allowed without additional benefits. But Group Policies are eligible for a discount on the basic premium when the size of the group increases substantially. |
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| What cannot be claimed? |
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Expenses incurred on events occurring before the commencement of the cover or otherwise outside the Period of Insurance |
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Any claim in respect of Pre-existing condition |
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Any claim if the insured acts against the advice of a physician |
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Any claim arising out of Accidents that the Insured Person has caused intentionally or by committing a crime or as a result of drunkenness or addiction (drugs, alcohol, etc) |
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Any claim arising out of mental disorder, suicide or attempted suicide self inflicted injuries, or sexually transmitted conditions, anxiety, etc |
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Participation in Hazardous Sport/Hazardous activities |
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Persons who are physically and mentally challenged unless specifically agreed and endorsed in the policy |
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Any death/disability arising out of Nuclear Biological and chemical terrorism |
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| Claims Procedure |
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Call the 24 hour help-line 1800 425 2255 for assistance. |
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Kindly mention your Policy number for easy access to your policy details. |
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In case of accidents resulting in death/disability, information to be sent to Star office within reasonable time |
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In all network hospitals, the cashless facility on payments can be availed |
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For treatment in non-network hospitals, payments must be made up-front to the hospital. Reimbursement of the expenses will be effected by Star Health, on submission of the necessary documents. |
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| Star Advantages |
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No Third Party Administrator; direct in-house claims settlement. |
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Faster & hassle-free claim settlement. |
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Cashless hospitalization. |
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Network of more than 4900 hospitals across India |
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24x7 Toll- free Helpline |
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Free General Physician Consultation over phone. Doctors on duty 24x7. By quoting the policy number, any person can contact our Doctor on the toll free number 1800 425 2255 for medical advices. |
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Free Health magazines are issued to policy holders at regular intervals |
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| NOTE: The benefits and exclusions mentioned herein are only an outline of the policy. For complete details, please contact your nearest Star Health office. |
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