You need health cover regardless of what you take two at a time - pills or stairs.

    • Star Health Accident Care Insurance Policy

    Star Health offers a number of insurance policies with various unique benefits and features. The Accident Care Individual Insurance Policy by Star Health provides numerous unique benefits and features. These include cover for Temporary Disablement, Accidental death and Permanent Disability. The compensation offered for complete permanent disablement will be 150 percent of the insured sum. For dependent children, an educational grant is also provided. This plan also provides coverage for winter sports and extension for payment of medical expenses.

    Check Your Eligibility

    Features & Benefits of Star Health Accident Care Insurance Plan:

    Eligibility
    • At entry, customers must be between 18 to 70 years old and renewal is available for life.
    • From the age of 5 months, dependent children can be covered.
    • Benefits of the policy are applicable for each individual who is covered by the policy.
    • No exit age
    Basis Individual
    Premium

    Based on the policy benefits, sum insured and Group chosen, premium may vary. The below table illustrates the premium for a sum insured of Rs. 5,00,000. This premium will not include service tax.

    All insured are classified into three groups for rating purposes. These are -

    Group I - Individuals who work in administration related functions.

    Group II - Individuals who are engaged in manual labour other than what is specified for Group III.

    Group III - Individuals engaged in explosives industry, magazine or mine workers, electric supply, jockeys, athletes or other hazardous occupations.

    Risk/Coverage Group Premium not including Service Tax
    Group 1 Group 2 Group 3
    Table A 246 344 458
    Table B 401 744 1002
    Table C 712 1002 1145
    Coverage Coverage is divided as follows -

    Table A - This aspect of the policy covers accidental death.

    Table B - This aspect of the policy covers permanent disablement in addition to accidental death.

    Table C - This aspect of the policy offers coverage for permanent disablement, accidental death and temporary complete disablement (compensation every week)
    Policy Tenure One year/Two years/Three years
    Renewability Under mutual consent, customers can renew their insurance. In case a claim for permanent total disability is admissible or admitted, the policy cannot be renewed for that policyholder.
    Insured Sum Based on income per month from gainful employment as determined by the company.
    Benefits The policy comes with a number of benefits and unique features such as -
    • Additional benefits for free
    • Optional benefits for hospital cash
    • Optional benefits for home convalescence
    • Extension for medical expenditure
    • Insurance cover for winter sports is available
    Other benefits for free -
    • Customers receive a maximum educational grant of Rs. 10,000 for every child (maximum 2 children) in case of permanent total disability or death of the insured death.
    • Transportation for mortal remains and ambulance charges up to Rs. 5000 will be borne by the company during the policy term.
    • For death claims, travel expense for one relative will be paid for.
    • Other benefits include purchase of blood, transportation of medicines will be taken up for a certain amount.
    • On payment of additional premium, customers can also procure an extension on medical expenses, home convalescence and hospital cash benefit can be procured.
    • A cumulative bonus of 5 percent of the insured sum accrues to the policyholder for every completed year for a maximum of 50 percent.
    Exclusions
    • Pre-existing injuries or disabilities
    • Claim regarding events that has occurred prior to commencement of policy
    • Claim for disability or death due to self-inflicted injuries
    • Mental disorder, suicide, attempted-suicide
    • Accidents due to war, rebellion, civil war. Etc.
    • Nuclear, biological or chemical terrorism.
    • Participation in life threatening activities

    Find cashless network hospitals nearby: Star Health Network Hospitals

    Also Read: Check Incurred Claim Ratio of Health Insurers

    Also Read: Best Health Insurance Plans of 2017

    GST rate of 18% applicable for all financial services effective July 1, 2017.

    Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

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