Star Health Accident Care Individual Insurance Policy

Policy Benefits

• Accidental Death is covered up to the limits mentioned, when occurred within 12 calendar months from the date of the accident.
• Permanent total disablement is covered up to the limits specified in the policy, when occurred within 12 calendar months from the date of such injury/accident.
• Permanent partial disablement is covered up a specified percentage of the sum insured as provided under the policy.
• Temporary total disablement is covered in case of continuous hospitalization exceeding 5 days.
• Education grant for children up to 18 years is applicable under this plan.
• Expenses incurred towards the transportation of mortal remains are covered as specified under the policy.
• Travel expense for one relative is covered.
• Expenses incurred towards vehicle/residence modification, are covered.
• Expenses incurred for purchase of blood are covered.
• Expenses towards transportation of imported medicines is covered.
• Hospital daily cash is payable under this policy. This benefit is applicable, if hospitalization occurs within 30 days from the date of the accident. It is an add-on cover.
• Coverage for winter sports as an add-on benefit.
• Medical expenses extension is available under this policy, upon payment of additional premium.
• Convalescence benefit is covered as an add-on benefit. This benefit is payable for a maximum of 15 days per occurrence and 60 days during a policy period.

Value Added Benefits

• Get the benefits of lifelong renewability and enjoy cover for your entire life.
• Get cumulative bonus. 5% of SI in increased on renewal for each completed policy year, to a maximum of 50%.
• Get 10% family discount on covering more than one family member.
• Enjoy hassle-free claim settlement procedure with 24x7 toll free helpline.
• Maintain personal records in electronic format.

Sub Limits

• No cost sharing is applicable under this policy.
• Accidental Death is covered up to 100% of the Sum Insured (SI) + Bonus (if any).
• Permanent total disablement is covered in a range of 50% to 150% of the Sum Insured (SI) + Bonus (if any), depending on the condition.
• Permanent partial disablement is covered in a range of 1% to 75%, depending on the disability sustained.
• Temporary total disablement is covered up to 1% of SI, to a maximum of Rs 15,000 per week. This benefit is payable for 100 weeks.
• Transportation of mortal remains is covered up to Rs 5,000.
• Travel expense for one relative is payable up to 1% of SI, to a maximum of Rs 50,000.
• Vehicle/residence modification is covered up to 10% of Table B & Table C Sum Insured, to a maximum of Rs 50,000.
• Purchase of blood is covered up to 5% of Table A Sum Insured, subject to a maximum of Rs 10,000.
• Transportation of imported medicines is payable up to 5% of total sum insured, to a maximum of Rs 20,000.
• Education grant of Rs 10,000 for each child is payable, but not exceeding Rs 20,000 in case of two dependent children.
• Hospital daily cash of Rs 1,000 is payable for each completed 24 hours of hospitalization. This benefit is payable for 15 days per occurrence and 60 days during a policy period.
• Medical expenses extension is payable up to 10% of SI or 25% of the valid claim or actual expenses, whichever is less. It is payable up to an overall limit of Rs 5 lacs in a policy period.
• Home Convalescence benefit of Rs 500 per day is payable.

Waiting Period Clause

No waiting period is applicable under this policy.