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STAR HEALTH INSURANCE

Accident Insurance Plans

Stay secure against the uncertain events

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All Accident Plans

Best Accident Insurance Plans to secure yourself

Individual Accident Insurance
Individual Accident Insurance

Accident Care Individual Insurance Policy

Family Discount: Get a 10% premium discount for opting the policy on a family basis

Cover for Accidental Death: 100% of the Sum Insured is provided as a lump sum in case of accidental death of the insured person

Educational Grant: An educational grant of up to Rs. 20,000/- is provided for dependent children in case of death or permanent total disablement of the insured

Family Accident Insurance
Family Accident Insurance

Family Accident Care Insurance Policy

Cover for Accidental Death: 100% of the Sum Insured is provided as a lump sum in case of accidental death of the insured person

Permanent Total disablement cover: 100% of the Sum Insured is provided for permanent total disablement due to accidents

Lifelong Renewal: Avail lifelong renewal option for this policy

Saral Suraksha Bima Accident Insurance
Saral Suraksha Bima Accident Insurance

Saral Suraksha Bima, Star Health And Allied Insurance Co Ltd

Cumulative Bonus: Get 5% of the Sum Insured as a cumulative bonus for each claim-free year up to 50%

Hospitalisation Expenses due to Accidents: Get up to 10% of the Sum Insured as an optional cover for medical expenses incurred towards hospitalisation due to accidents

Cover for Accidental Death: 100% of the Sum Insured is provided as a lump sum in case of accidental death of the insured person

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ACCIDENT INSURANCE POLICY

What is Accident Insurance?

Accident Insurance entitles the policyholder to a fixed payout in case of injury or death due to an accident. Accident Insurance policies provide cover against accidental death, permanent total disablement, permanent partial disablement and temporary total disablement. It also provides educational grant, ambulance charges and other benefits. Accidents are unpredictable and may lead to financial stress besides other worries. At such times, Accident Insurance proves to be a financial tool to be prepared for uncertainties.

An accident Insurance policy is essential as it secures oneself and their family against unfortunate death or injury due to an accident.

IMPORTANCE OF ACCIDENT INSURANCE

Why Do I Need Accident Insurance?

Accidents are uncertain events. Such situations may drain people physically and emotionally. The recovery cost of medical expenses might bring forth financial stress and leads to medical debt. Hence, to secure yourself and your family accident Insurance Policy becomes necessary. 

Hospitalisation Expenses

Some Accident Insurance policies will cover the in-patient hospitalisation and out-patient expenses incurred due to the accident. Such expenses are indemnified as per the term and conditions of the policy document. 

Hospital Cash

The hospital cash benefit provides a cash allowance for each completed day in the hospital up to 15 days per occurrence for a maximum of up to 60 days in a policy year period. 

Ambulance Cost

Most Accident Insurance policies cover the ambulance expenses incurred for transporting the insured to the hospital due to accidents. Some policies also cover the charges incurred for transporting the mortal remains of the insured to their residence. 

No Medical Screening

The significant benefit of an Accident Insurance is that it does not require any medical screening to avail the policy. 

Accidental Death

In case of the unfortunate death of the insured person due to accidents, the accident insurance policy is entitled to provide compensation as a lump sum as per the terms and conditions. 

Permanent Total Disability

Permanent total disability is a condition where the person is completely disabled as a result of an accident due to which the person is no longer able to work. An accident Insurance policy will cover such instances by providing a payout. 

Permanent Partial Disability

Accidents might result in permanent partial disability such as loss of toes all, loss of fingers, etc. An accident Insurance policy will provide cover for such instances as well. For such unfortunate situations, the company will give a (lumpsum) percentage of the benefit. 

Temporary Total Disability

A temporary total disability is a state in which the individual is disabled for a temporary period. A comprehensive Accident Insurance policy will extend and cover the insured’s temporary total disability that arises due to accidents. 

Educational Grant

A comprehensive Accident Insurance policy will cover the children's education of the insured. Education grant is provided for a maximum of up to two dependent children in case of death or total permanent disablement of the insured due to an accident. 

Hospitalisation Expenses

Some Accident Insurance policies will cover the in-patient hospitalisation and out-patient expenses incurred due to the accident. Such expenses are indemnified as per the term and conditions of the policy document. 

Hospital Cash

The hospital cash benefit provides a cash allowance for each completed day in the hospital up to 15 days per occurrence for a maximum of up to 60 days in a policy year period. 

Ambulance Cost

Most Accident Insurance policies cover the ambulance expenses incurred for transporting the insured to the hospital due to accidents. Some policies also cover the charges incurred for transporting the mortal remains of the insured to their residence. 

No Medical Screening

The significant benefit of an Accident Insurance is that it does not require any medical screening to avail the policy. 

Accidental Death

In case of the unfortunate death of the insured person due to accidents, the accident insurance policy is entitled to provide compensation as a lump sum as per the terms and conditions. 

Permanent Total Disability

Permanent total disability is a condition where the person is completely disabled as a result of an accident due to which the person is no longer able to work. An accident Insurance policy will cover such instances by providing a payout. 

HELP CENTRE

Confused? We’ve got the answers

Get all your accident Insurance related doubts clarified.

Personal Accident Insurance provides compensation or payout in the event of unfortunate death or disablement of the insured person incurred due to accidents. A comprehensive policy will provide other coverage such as an educational grant, hospitalisation expenses, ambulance charges, hospital cash and other benefits as well.