Accident Care Benefits

Accidental death

Permanent disability total or partial following an accident

Temporary total disablement the Insured Person is eligible for a weekly benefit at 1% of Capital Sum Insured (following an accident) subject to maximum of Rs.5000/- per week for a 100 weeks

Free Benefits

Educational grant to children at Rs.5000/- per child and Rs.10, 000/- for 2 children (maximum 2children)

Transportation expenses of the mortal remains of the insured up to a maximum of Rs.3000/-

Travel expenses of one relative up to a maximum of Rs.1000/- to the place of accident

Cumulative Bonus

Cumulative Bonus of 5% of the sum insured continuously renewed accrues to the Insured Person for every claim free year, subject to a maximum of 50%

Medical Expense Extension

Policy can be extended to cover Medical Expenses on payment of Additional Premium

What cannot be claimed?

Expenses incurred on events occurring before the commencement of the cover or otherwise outside the Period of Insurance

Any claim in respect of Pre-existing condition

Any claim if the insured acts against the advice of a physician

Any claim arising out of Accidents that the Insured Person has caused intentionally or by committing a crime or as a result of drunkenness or addiction (drugs, alcohol, etc)

Any claim arising out of mental disorder, suicide or attempted suicide self inflicted injuries, or sexually transmitted conditions, anxiety, etc

Participation in Hazardous Sport/Hazardous activities

Persons who are physically and mentally challenged unless specifically agreed and endorsed in the policy

Any death/disability arising out of Nuclear Biological and chemical terrorism

Star Advantages

No Third Party Administrator; direct in-house claims settlement.

Faster & hassle-free claim settlement.

In case of accidents resulting in death/disability, information to be sent to Star office within reasonable time

In all network hospitals, the cashless facility on payments can be availed

For treatment in non-network hospitals, payments must be made up-front to the hospital. Reimbursement of the expenses will be effected by Star Health, on submission of the necessary documents.

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