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Saral Suraksha Bima, Star Health And Allied Insurance Co Ltd
UIN: SHAPAIP22039V022122
HIGHLIGHTS
Plan Essentials
Entry Age
Any person aged between 18 and 70 years can avail this policy. Dependent children are covered from 3 months to 25 years.
Sum Insured
The minimum Sum Insured of this policy is Rs. 2.5 Lakhs and the maximum is Rs. 1 Crore (in multiples of Rs. 50,000/-).
Instalment Options
The policy premium can be paid on a quarterly or half-yearly basis. It can also be paid on an annually.
Cumulative Bonus
A cumulative bonus is provided at 5% of the Sum Insured for each claim-free year subject to a maximum of 50% of the Sum Insured.
Detailed List
Understand what’s included
BASE COVER
Policy Term
The policy is available for a term of 1 year.
Policy Type
This policy provides benefits on Individual basis.
Accidental Death
This policy provides 100% of the Sum Insured in the event of accidental death of the insured person that occurs within 12 months from the date of the accident.
Permanent Total Disablement
This policy provides 100% of the Sum Insured in the event of permanent total disablement of the insured person that occurs within 12 months from the date of the accident.
Permanent Partial Disablement
This policy provides a specific percentage of the Sum Insured as mentioned in the policy clause in the event of permanent partial disablement following accidental injuries that occurs within 12 months from the date of the accident.
OPTIONAL COVERS
Temporary Total Disablement
This policy provides benefits as specified in this policy in the event of grievous injury of the insured person solely due to accidents and leads to temporary total disablement.
Hospitalisation Expenses due to Accidents
The medical expenses incurred towards hospitalisation due to accident are covered up to 10% of the total Sum Insured.
Educational Grant
In the event of accidental death or permanent total disablement of the insured person, a one-time educational grant of 10% of the Sum Insured for the dependent children of the insured person is provided.
Please refer to the Policy Documents to know the policy details and Terms & Conditions.
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 Saral Suraksha Bima Policy?
Saral Suraksha Bima Policy is an advantageous policy, which offers payment of compensation after the accidents sustained by the Insured Person during the policy period. Saral Suraksha Bima Star Health has many features that are oriented to accidents.
Exclusions of Saral Suraksha Bima Policy
Though the Saral Suraksha Bima Policy has many features, it also has some exclusions. Let's see them:
- The Company shall not be liable to make any payments below this policy with respect to any claim for death or disablement.
- The Coverage for any claim for death, disablement, or hospitalisation of the Insured Person because of the participation as a professional in hazardous or adventure sports, including but not limited to para jumping, motor racing, horse racing, scuba diving, rock climbing, deep-sea diving, mountaineering, rafting, hang gliding, sky diving, will not be included.
- Any claim due to any consequential loss directly or indirectly arising from any loss arising out of the Insured Person's attempted or actual commission of or willful participation in any violation or an illegal act or attempted violation of the law will not be covered.
- Also, the expenses related to any admission, basically for diagnostic and evaluation purposes, are excluded.
- Expenses for any diagnosis which are not related to or incidental to the current diagnosis and treatment will not be covered.
How do you claim the Saral Suraksha Bima Policy?
There are a few steps to claim Saral Suraksha Bima Star Health. Here are the steps to claim Coverage under the Saral Suraksha Bima policy.
- Gather all the original documents and pay all hospital bills once you get discharged from the hospital.
- Just download and complete the claim form.
- Submit the necessary documents to the nearest branch of the insurance company.
- Next, wait for claim settlement from the insurance company, as it may settle or reject the claim within a particular time frame.
Documents Needed For the Saral Suraksha Bima Star Health
Some documents are needed to claim coverage under the Saral Suraksha Bima. The documents you might need in the claim process include :
- A completed claim form.
- A Photo ID of the insured person.
- A Copy of the Medico-Legal Certificate
- The Copy of FIR, Police Inquest Report or Panchnama.
- A proper certificate from the attending Doctor.
- A proper original discharge certificate or card must be obtained from the hospital or Doctor.
- Original investigation test reports
- Indoor case papers.
Claim Notification
- You need to notify the insurance company within 30 days of an event that might result in a claim.
- If you must be hospitalised for emergency treatment, you need to inform the insurance company within 24 hours.
Claim Process
The insurance company will look at the claim and might enquire about extra documents.
