• Star Health Accident Care Insurance Policy

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    Cashless Treatment

    Customer Service

    Medical Coverage

    Claim Experience

    Responsiveness

    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 health insurance plan also provides coverage for winter sports and extension for payment of medical expenses.

    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

    Other Health Insurance Plans from Star Health Insurance:

    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.

    Star Health Accident Care Insurance Policy Reviews

  • Page 1 of 26 1 2 3 4 5
    • Star Health Health Insurance
      "Good to have insurance policy"
      0.5 3.0/5 "Satisfactory"
      Idon't have any experience of claim hence i never get a chance to call their customer care. They used to call me for renewing the policy. I can claim about 3.5 lakhs per annum. If i use 10% or not claim the policy, they wont give additional benefits for the next year. Their is a insured amount by 10%. My premium amount will be same but the claim amount they will increase by 10% next year. Cashless treatment is available in this policy
      Was this review helpful? 0
      , noida
      Reviewed on Jun 18, 2018
    • Star Health Health Insurance
      "Average Service"
      0.5 2.0/5 "Expected more"
      I'm using the Star Health insurance policy. I do not have any claim experience yet. I pay a premium of 8000 Per year. They don't send any renewal notifications. Their Service is good. The coverage is 1 lac for whole family per year. They need to improve their notifications and keep the customer posted about important dates.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 16, 2018
    • Star Health Health Insurance
      "Best Health Insurance policy"
      0.5 5.0/5 "Blown Away!"
      Cashless treatment is available only in cities. In other rural areas, i cannot claim the policy for cashless transaction. In rural side, i have to collect all the bill and claim the policy after i paid my bill. I have claimed the policy once for my father. I used to make the payment of Rs. 7500 for me and any wife. I have already recommended this policy to my friends. I can claim easily and i got the payment as soon as possible if i issue the documents properly.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 12, 2018
    • Star Health Health Insurance
      "Good service"
      0.5 4.0/5 "Great!"
      Got the health insurance policy with the STAR HEALTH & ALLIED INSURANCE company around 3 years ago. This policy covers 4members in my family. This policy has the coverage amount up to Rs,2,00,000 and I am satisfied with it. The medical coverage and the cashless treatment options are good with the Star health insurance policy.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 12, 2018
    • Star Health Health Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've a health insurance policy with the Star Health. We do not have any experience with the policy. Overall service good. My brother handles the payments for this policy. I am not aware of any other details regarding this policy. It offers coverage for the entire family. I never had any issues with the policy and their services.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 08, 2018
    • Star Health Health Insurance
      "Good"
      0.5 3.5/5 "Pretty good"
      I do have the health insurance policy with the Star health insurance company. Coverage value is around 1 lakh Rupees. Customer service is similarly okay , also its not bad too. Response is better one with the Star health insurance company.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Jun 06, 2018
    • Star Health Health Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've been using the Star Health insurance policy for a while. I am paying premium of 16000 per year. The premium amount gets auto debited from my account. I never had any issues with their services. Overall the payment options are really convenient and it is a recommendable policy to have.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 05, 2018
    • Star Health Health Insurance
      "Very good service"
      0.5 5.0/5 "Blown Away!"
      I've been using the Medi-Claim policy from Star Health for the past 4 years. I am paying a premium of 12000 per year. I claimed it once during the first year . The claim process was really smooth and hassle free. I never had any issues with their services.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Jun 02, 2018
    • Star Health Health Insurance
      "Good policy to use"
      0.5 4.0/5 "Great!"
      Got a health insurance policy from the Star health and allied insurance company. This policy covers 4members in my family. Here it covers the medical coverage amount up to Rs,10,00,000 and I am satisfied with it. This policy is good to use..
      Was this review helpful? 0
      , chennai
      Reviewed on May 31, 2018
    • Star Health Health Insurance
      "Everyone can avail health insurance"
      0.5 5.0/5 "Blown Away!"
      It was smooth process. They are not refunding the money for the plastic items like syringe items. I had a very good claim experience with them. They have a very good hospital list. If they make it fully cashless transaction it will be good. Then they will get lots of customer. I used to pay the premium of Rs. 11000 for my family. The premium amount is increasing every year.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 31, 2018
    • Star Health Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insured with Star health from last 5-6 years and it is a good insurance policy. I pay a premium of Rs 26000 for this insurance which is for family. I have a coverage value of Rs 6 lakhs for this insurance and i have not claimed anything so far from this insurance.
      Was this review helpful? 0
      , gurgaon
      Reviewed on May 29, 2018
    • Star Health Health Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've a health insurance policy with the Star Health. I pay a premium of 7000 per year. I do not have any claim experience with the policy. I'll have to wait and see how they respond to my claim requests in the future. As of now this too early to evaluate their services.
      Was this review helpful? 0
      , kolkata
      Reviewed on May 29, 2018
    • Star Health Health Insurance
      "Start Health Insurance - Great Provider"
      0.5 5.0/5 "Blown Away!"
      I have taken this Insurance around 5 year back. So far very happy with their services. The claim resolution is very professional and they don't harass customers. I had to claim few times and in all instance it was settled to my satisfaction. Overall very good medical Insurance provider.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 24, 2018
    • Star Health Health Insurance
      "Very good service"
      0.5 5.0/5 "Blown Away!"
      I've been using the employer provided health insurance from the Star Health Insurance company. The company is paying the premium,I do have a claim experience with the policy. They settled a claim of 75000 and the claim process was easy and hassle free.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 24, 2018
    • Star Health Health Insurance
      "Good Policy"
      0.5 5.0/5 "Blown Away!"
      I hold a health insurance with Star health from last 1 year, i am happy with the coverage value of this insurance policy as they cover up to Rs 5 lakhs. My claim experience was good with this insurance and they covered 70% of the amount. I am not aware of the premium amount as company pays it.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 23, 2018
    • Star Health Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I hold a health insurance policy with Star health from last 8 years, i am happy with the coverage of this insurance policy. My claim experience was good with this insurance and the coverage value was good. I pay a premium of Rs 13013 and they cover up to Rs 3 lakhs.
      Was this review helpful? 0
      , coimbatore
      Reviewed on May 20, 2018
    • Star Health Health Insurance
      "Claim experience was good"
      0.5 5.0/5 "Blown Away!"
      I hold a health insurance from STAR HEALTH & ALLIED INSURANCE and the policy coverage is for 2.5 lakhs. As this is a corporate insurance and the claim experience was really good. I gone for cashless treatment and the procedure was easy and satisfied.I will be applicable for the dependent in the family.
      Was this review helpful? 0
      , chennai
      Reviewed on May 17, 2018
    • Star Health Health Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      I am happy about the services of Star health. I do have a claim experience for a small amount. The claim process was easy. Their Customer support is also good. I pay a premium of 24000 per annum for a coverage of 20 Lacs for the Whole Family. This is a recommendable policy to have.
      Was this review helpful? 0
      , chennai
      Reviewed on May 17, 2018
    • Star Health Health Insurance
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I'm impressed with the Services of Star Health. I've an accidental cover policy from then. I pay a premium of 1600 Yearly for a coverage of 6 lacs. Their services are very good. I recently have a claim experience with them and the claim was processed with in days.
      Was this review helpful? 0
      , chennai
      Reviewed on May 16, 2018
    • Star Health Health Insurance
      "Very good service"
      0.5 5.0/5 "Blown Away!"
      I have a health insurance policy from Star Health . For an annual coverage of 5 Lacs I pay a premium of 16000 . It offers security to my entire family. It is easy to make payments. I got a claim for almost 85000 when I met with an accident . Documentations are very easy and got the claim amount with in 2 days.
      Was this review helpful? 0
      , chennai
      Reviewed on May 16, 2018
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