Accident Care Individual Insurance Policy
IRDAI UIN: IRDAI/HLT/SHAI/P-P/V.III/134/2017-18
HIGHLIGHTS
Plan Essentials
Entry Age
Any individuals aged between 18 and 70 years can avail this policy. Dependent children of the insured person are cover from 5 months to 25 years.
Policy Type
This policy can be availed either on an Individual or Floater basis. Under the family plan insured’s spouse and dependent children are covered.
Premium Discount
10% discount on the premium is available, if the policy is opted as family basis.
Online Discount
A 5% discount on premium is available is the policy is purchased online.
DETAILED LIST
Understand what’s included
IMPORTANT HIGHLIGHTS
Sum InsuredThe minimum Sum Insured of this policy is Rs. 1,00,000/- and it can be enhanced in the multiples of Rs. 10,000/-. The maximum Sum Insured will vary depending upon the earning capacity of the insured person. |
Policy BenefitTable A - Provides cover for Accidental Death.
Table B - Provides cover for Accidental Death and Permanent Disablement.
Table C - Provides cover for Accidental Death, Permanent Disablement and Temporary Total Disablement. |
Accidental DeathThis policy provides 100% of the Sum Insured along with cumulative bonus in the event of accidental death of the insured person. |
Permanent Total DisablementThis policy provides 150% of the Sum Insured along with the cumulative bonus (calculated only on 100% of the Sum Insured) in the event of Permanent Total Disablement of the insured person due to accident. |
Permanent Partial DisablementThis policy provides specific percentage of the Sum Insured as mentioned in the policy clause in the event of Permanent Partial Disablement following accidental injuries. |
Temporary Total DisablementThis policy provides 1% of the Sum Insured under Table C per completed week not exceeding Rs. 15,000/- (per week) up to 100 weeks, in the event of grievous injury of the insured person solely due to accidents and leads to temporary total disablement. |
ADDITIONAL BENEFITS FOR TABLE A,B & C
Educational GrantIn the event of accidental death or permanent total disability of the insured person, an educational grant for a maximum of two dependent children of the insured is provided.
I) A maximum of Rs. 10,000/- is provided per child, up to two dependent children
II) In case of more than one dependent child below 18 years, Rs. 10,000/- per child is payable not exceeding more than Rs. 20,000/-. |
Ambulance Charges / Transportation of the Mortal RemainsFor an admissible claim due to accidents outside the place of the insured’s residence, the policy provides lump sum either for ambulance charges to go to the hospital or transportation of the mortal remains of the insured person to his/her residence, up to a maximum of Rs. 5,000/-. |
Travel Expenses for One Relative
The company will provide 1% of the Sum Insured up to Rs. 50,000/- (subject to the actual) for transportation of one relative to the insured’s residence in case of accidental death of the insured person. |
Vehicle / Residence ModificationThe expenses incurred to modify the insured person’s residential accommodation or vehicle as long as the modification is been carried out in India and certified by the Doctor which is required as the result of accident are covered up to 10% of the Sum Insured (of Table B and C) subject to the maximum of Rs. 50,000/-. |
Purchase of BloodThis policy provides 5% of the Sum Insured subject to the maximum of Rs. 10,000/- (whichever is less) in addition to the Sum Insured, towards the expenses incurred for purchasing the blood for the insured person’s medical or surgical treatment. |
Transportation of Imported MedicinesThe policy provides 5% of the Sum Insured subject to the maximum of Rs. 20,000/- towards the expenses incurred on freight charges for importing medicines to India. |
Cumulative BonusCumulative bonus is provided at 5% of the Sum Insured for each claim-free year subject to a maximum of 50% of the Sum Insured. |
OPTIONAL BENEFIT
Medical Expenses ExtensionThe medical expenses incurred towards in-patient and as out patient are covered up to 25% of the valid claim or 10% of the total Sum Insured or actuals (whichever is less), subject to an overall limit of Rs. 5,00,000/- per policy period. |
Coverage for Winter SportsThis extension can be granted for the period the Insured person proposes to participate in such sports. |
Hospital CashA cash benefit of Rs.1000/- is provided for each completed day in the hospital when such hospitalisation happens within 30 days from the date of accident. This benefit is provided for a maximum of 15 days per occurrence and 60 days per policy period. |
Home ConvalescenceThe expenses incurred for one attendant at the residence of the insured after discharge from the hospital with the advice of the attending physician are covered up to Rs. 500/- for each completed day subjected to the maximum of 15 days per occurrence and 60 days per policy period. |
Please refer to the Policy Documents to know the policy details and Terms & Conditions.
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Star Health Insurance helped me a lot when I was in need. I was covered under Star’s Comprehensive policy, which provided me cashless treatment at their network hospital during my Angioplasty surgery.
Shaila Ganachari
Mumbai
Get InsuredI have been using Mediclaim services for the last 7-8 years. I had tried other companies. But, I satisfied with the service Star Health Insurance has provided me, they also have friendly support personnel.
Sudhir Bhaiji
Indore
Get InsuredMy friend told me to buy health insurance from Star Health Insurance. That helped me during my son’s illness. Their cashless treatment facility was very helpful at the time. I truly appreciate their service and support.
Tiji K Oommen
Thiruvananthapuram
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Tiji K Oommen
Thiruvananthapuram
My friend told me to buy health insurance from Star Health Insurance. That helped me during my son’s illness. Their cashless treatment facility was very helpful at the time. I truly appreciate their service and support.
Vanishree
Bengaluru
I have been with Star Health Insurance for the past 8 years, and have applied for two claims in that time. Both claims got settled, and I received good support from the company during my hospitalisation.
Ramachandran
Chennai
My family has been with Star Health Insurance since 2006. Our claim, which we applied during last month, was handled without any hassle. We are happy that we are part of such service providers.
Shaila Ganachari
Mumbai
Star Health Insurance helped me a lot when I was in need. I was covered under Star’s Comprehensive policy, which provided me cashless treatment at their network hospital during my Angioplasty surgery.
Sudhir Bhaiji
Indore
I have been using Mediclaim services for the last 7-8 years. I had tried other companies. But, I satisfied with the service Star Health Insurance has provided me, they also have friendly support personnel.
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