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Family Accident Care Insurance Policy
IRDAI UIN: SHAHLIP21042V012021
HIGHLIGHTS
Plan Essentials
Floater Policy
A floater policy to cover your family from financial risk arising due to accidents.
Policy Term
The policy can be opted for 1 year or 2 year term.
Entry Age
Any person aged between 16 days and 65 years can avail this policy. Dependent children can continue the policy till 25 years of age and adults can continue life-long.
Sum Insured
The minimum Sum Insured of this policy is Rs. 1,00,000/- and the maximum is Rs. 50,00,000/- (in multiples of Rs. 50,000/-).
Detailed List
Understand what’s included
IMPORTANT HIGHLIGHTS
Lump Sum for Accidental Death
This policy provides 100% of the Sum Insured as stated in the policy in the event of unfortunate death of the insured person within 12 calendar month from the date of accident.
Permanent Total disablement
This policy provides 100% of the Sum Insured as stated in the policy in the event of permanent total disablement of the insured person within 12 calendar months from the date of accident.
Premium Rate (Irrespective of Family Size up to 2Adults + 3Children)
The premium for 1 Year policy is Rs.75/- per lakh (excluding GST) and 2-Year policy is Rs.145/- per lakh (excluding GST)
Life Long Renewal
This policy offers life long renewal option.
Please refer to the Policy Documents to know the policy details and Terms & Conditions.
Free look period:
The Free Look Period shall be applicable on new individual health insurance policies and not on renewals or at the time of porting/migrating the policy.
The insured person shall be allowed free look period of thirty days from date of receipt of the policy document whether electronically or otherwise to review the terms and conditions of the policy, and to return the same if not acceptable.
i. If the insured has not incurred any claim during the Free Look Period, the insured shall be entitled to a refund of the premium paid less any expenses incurred by the Company on medical examination of the insured person and the stamp duty charges or
ii. where the risk has already commenced and the option of return of the policy is exercised by the insured person, a deduction towards the proportionate risk premium for period of cover or
iii. where only a part of the insurance coverage has commenced, such proportionate premium commensurate with the insurance coverage during such period
STAR HEALTH
Why Choose Star Health Insurance?
As a Health Insurance specialist, we extend our services from offering tailor-made products to fast in-house claim settlements. With our growing network of hospitals, we ensure easy access to fulfill your medical needs.
Diagnostic Centres
Get access to 1,635 diagnostic centres across India with home pickup of lab samples and health checkups at your doorstep.
E-Pharmacy
Order medicines online at a discounted price. Home delivery and store pick-ups are available across 2780 cities.
24*7 Customer Service
Call us at 1800-425-2255 for claim intimation, telehealth services, and to clear your queries.
In-house Claim Settlement
We’re the first Standalone Health Insurance company to settle the claims without any TPA but with a qualified in-house team.
Claim Settlement
90% of our claims are settled under cashless within 2 hours and 92% of claims are settled under reimbursement within 7days.
Hospitals
We got you covered under our valuable service providers, an agreed network and network hospitals for quality treatment.
Awards
We’ve been awarded for innovative product, best claim settlement and service provider from reputed survey organisations.
Network Hospitals
Hospitals in agreement with Star Health provide seamless cashless facilities. The approval process is quick and comfortable.
Agreed Network Hospitals
Hospitals that have agreed with Star Health to provide cost-effective package rates for surgical and medical procedures.
Valuable Service Providers
These hospitals are identified by Star Health and have been specially recognised for their efforts, services and quality.
Non-Network Hospitals
For getting treatments in non-network hospitals(not in agreement with Star Health), you can avail reimbursement claims.
Excluded Providers
Hospitals, where claims are not admissible. But life-threatening situations/accidents expenses are payable up to stabilisation.
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What is a Family Accident Care Insurance Policy?
Family accident care insurance Policy refers to a policy that offers financial support to the insured and their family during an accident. This policy can offer coverage for accidental injuries, death, and disabilities.
Star Health Family Accident Care Insurance Policy
Star Health Family Accident Care Insurance Policy is a policy that offers coverage to all accident-related eventualities of the insured and acts as the best protection against the odd slips, twists and turns of life.
Why is Star Health Family Accident Care Insurance needed?
Just like a personal accident or an injury, a Family Accident could result in you and your finances draining. So, just save yourself and your family members with the STAR Health's Family Accident Care Insurance Policy.
Features of Family Accident Care Insurance
Family Accident Care Insurance benefits during any time during the period of insurance when the insured Person sustains any bodily injury solely and directly from an accident due to the violent, external and visible means and if such accident causes.
- The Insurance company will pay out compensation 100% of the Sum Insured mentioned in the Schedule, upon the death of the Insured Person within 12 Calendar months from the accident date.
- Also, the insurance company will pay compensation, 100% of the Sum Insured mentioned in the Schedule, for the permanent total disablement of the insured Person within 12 months(calendar months) from the date of the accident, given that the disability is confirmed and claimed before 60 days from the disablement occurrence.
Family Accident Care Insurance Policy Exclusions
Though the Family Accident Care Insurance Policy has many features, there are some exclusions to the Family Accident Care Insurance Plan. Let's see some of them here.
- The Company shall not be liable to make any payments in respect of any Claims relating to occurrences happening outside the Period of Insurance.
- The coverage for any claim occurring out of an accident of the Insured Person from other causes is not included in this Family Accident Care Insurance Policy.
- The expenses of treatment shall be excluded for the insured Persons engaging in Air Travel until he/she fly as a fare-paying passenger on an aircraft properly licensed to carry passengers. Here, the meaning of Air Travel is in or on or boarding an aircraft for the objective of flying therein or alighting therefrom.
- This excludes the expenses for treatment that occur due to accidents because of war and warlike happenings or invasion, acts of foreign enemies, civil war, hostilities, rebellion, insurrection, civil commotion considering the amounting to or proportions of seizure capture arrest restraints detainments of all kings princes and individuals of whatever country, an uprising, military or usurped power, condition or quality whatsoever.
- The expenses for the participation in riots, confiscation, nationalisation or destruction of or damage to property by or below the order of any government or local authority shall be excluded.
- Expenses for any consequential loss directly or indirectly caused by ionising radiation, or any nuclear waste, nuclear weapons material, nuclear, chemical and biological terrorism, the toxic, radioactive, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof, will be excluded.
- The claim for the sporting activities or for the training or participation in competitions of professional or semi-professional sportspersons will not be included.
Expenses for participation in hazardous sports or hazardous activities will be excluded.
- The expenses for the persons who are physically challenged, until otherwise agreed and endorsed in the policy, are excluded.
- Any of the losses due to the Insured Person's actual or attempted commission of or any violation or attempted violation of the law or willful participation in an illegal act shall not be provided coverage.
You can download the family accident care insurance policy brochure from the official website for your future reference.
