Star Health Accident Care Insurance Policy

Star health accident care insurance policy provides complete financial protection to the insured members against uncertainties like accidental death, accidental injuries, partial/total disabilities, permanent as well as temporary disabilities resulting from an accident. Within the case of the accidental death of the policyholder, the nominee gets compensation from the insurance company. There are various other compensations that are offered for an accidental disability like loss of eyes, limbs, and check. Star Health offers a number of insurance policies with various unique benefits and features. The Accident Care Individual by Star Health provides numerous unique benefits and features. This health insurance plan also provides coverage for medical expenses.

Benefits in Star Health Accident Care Insurance Plan:

Product Name	Accident Care Policy – World Wide Coverage (For Individuals / Family)
Sum Insured Options (in Lakhs)	Based on the Monthly Income derived from gain full employment / Business – Person (Last 3yrs IT- Returns, Along with audited Profit and Loss Statement) from Rs.1 Lakh to 5 Crores.
Policy Term (Options)	1 year	2 years	3 years
Age of Entry & Renewals	Individual – Aged between 18 yrs. To 70 yrs. Renewal up to Life time for Adults.
	Children between 5 months to 25yrs. Can be covered only when covered with at least one parent. Renewed till age 25 years
Family cover (non- earning & dependent spouse & Children)	SI Limit for spouse – 50% SI of Prime Earning member-proposer (Max15Lac)
	SI Limit for children – 25% SI of Prime Earning Member-Proposer (Max5Lac)
Family discount	10% discount on premium if more than one individual from the same family is covered
Documents required	Duly filled Proposal form, photo and Age proof (optional). Income proof is required for above 50 Lakhs above sum insured.
Risk Group Classification	Coverage Classification
Risk Group – 1: Persons engaged primarily in Administrative functions	Table A – 45 times of the monthly income as additional SI. What is covered · Accidental Death only
Risk Group – 2: Persons engaged in manual work	Table B – 80 times of the monthly income as additional SI. What is covered · Accidental Death + Accidental Permanent Disablement (PTD- 150% S.I. & PPD – % of S.I.)150% when totally and irreversibly disabled but TcA
Risk Group – 3: Working in explosives industry, mine and / or magazine workers, high tension supply, horse racing including jockeys, athletes and occupations of similar hazard.	Table C – 100 times of the monthly income (or) Up to Rs.15 Lakhs What is covered · Accidental Death + Accidental Permanent Disablement (PTD – 100%* S.I & PPD – % of S.I.) *150% when totally and irreversibly disabled but TcA · Accidental Temporary Total Disablement (Min. 5 days of Hospitalization) – 1% of S.I. subject to max Rs.15K per completed week and for max. 100 weeks or Max. – 15 lakhs
Note:	· Overall Sum Insured under all the Tables together should not exceed 225 times of monthly Income. · Additional and optional Benefits are Payable only on admissible Claim under the PA Section.

Additional Benefits in Star Health Accident Care Insurance Plan:

Additional Benefits	Benefit Description
Educational Grant	On Death / Permanent Total Disability of earning Parent / Insured, The Child student Less than 18 yrs, is eligible for a lump sum – For One Child Rs.10 K & Max – Two Children Rs.20K
Ambulance/Mortal Remains Transportation	Ambulance for Hospitalisation Or transportation expenses of Mortal Remains up to Rs.5K
Travel Expenses of one relative	On death of the insured – Travel Exps. 1% of total S.I subject to Max. Rs.50K.
Vehicle and / or Residence Modification (on PTD Claim)	10% of Table B and Table C sum insured subject to a max. of Rs.50K on PTD
Purchase of Blood	5% of Total sum insured under Table A, subject to a maximum of Rs.10K
Transportation of Imported Medicines	5% of Total sum insured – maximum of Rs.20K for medical/surgical treatment
Cumulative Bonus	For every claim free year, the S.I under Death & P.T.D alone will be increased by 5% Sub. Max 50%

Optional Benefits in Star Health Accident Care Insurance Plan:

Optional Benefits	Benefit Description	Premium
Coverage for winter sports & Rallies	This extension can be granted for the period the insured person proposes to participate in such sports. (i.e. – Can be availed, Any time during the Policy Period)	100% of the final premium per person
Medical Expenses Extension	25% of the valid claim or 10% of SI or actual whichever is less, subject to maximum Rs.5 Lakhs	10% of the final premium per year per person
Hospital Cash	Rs.1000 per day subject to maximum of 15 days per occurrence and 60 days per policy period	Rs.40/- per year per person
Home Convalescence	Rs.500/- for each completed day – maximum of 15 days per occurrence and 60 days per policy period for engaging one attendant at residence after discharge from hospital on the recommendation of attending doctor	Rs.15/- per year per person

Permanent Exclusions in the Star Health Accident Care Insurance Plan:

Attempted suicide
Use of alcohol or drug
AIDS
Congenital disease
Dental
Cosmetic
Infertility and in vitro fertilization.

Documents for Star Health Accident Care Insurance Plan:

Filled in a Proposal form
Pass Port Size Colour Photo
Age proof of each family member
Address proof
Bank Details of Proposer

Claims Procedure in Star Health Accident Care Insurance Plan:

Call the 24-hour help-line for assistance – 1800 425 2255 / 1800 102 4477
In case of planned hospitalization, inform 24 hours prior to admission in the hospital.
In case of emergency hospitalization information to be given within 24 hours after hospitalization.
Cashless facility wherever possible in network hospital
In non-network hospitals payment must be made up-front and then reimbursement will be affected on submission of documents.

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