Star Health Accident Care Insurance Policy

• 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

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.

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)

• 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

• 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.

• 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