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Individual Health Insurance Plans

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Star Accident Care Individual Insurance Policy

Star Accident Care Individual Insurance Policy is a special policy that provides protection for you and your loved ones in case of an accident. There are many distinctive advantages and features offered by Star Health’s Accident Care Individual. These include coverage for Accidental Death, Temporary Disability, and Permanent Disability.

A 150 percent payout of the insured amount will be provided in the event of permanent total disability. A grant for education is also given to dependent children. In addition, this health insurance plan offers coverage for winter sports and an extension for paying medical bills.

Read more know about the Star Accident Care Individual Insurance Policy in detail!

Eligibility Criteria

Here are the eligibility criteria for Star Accident Care Individual Insurance Policy.

ParametersDetails
Age

Entry age between 18 years and 70 years

Dependent Children can be covered from 5 months

Policy Term1 year / 2 years / 3 years
Family Discount10% discount on the total premium if the family is covered.
Cumulative Bonus

Cumulative Bonus of 5% accrues to the insured person for each

completed year, subject to a maximum of 50%.

Plan TypeIndividual/Family Floater
Ambulance Charges / Transportation expenses of mortal remainsRs. 5,000/-
Initial Waiting Period30 Days
Travel expenses of one relativeUp to 1% of the Total sum insured or actuals subject to a maximum of Rs. 50,000/-
Purchase of Blood:

Up to 5% of the sum insured under relevant table/tables

opted subject to a maximum of Rs.10,000/-

Transportation of Imported medicinesUpto 5% of the Total sum insured subject to a maximum of Rs. 20,000/-

Key Features & Benefits of Choosing Star Accident Care Individual Insurance Policy

Here are the features and benefits of choosing the Star Accident Care Individual Insurance Policy.

  1. Hospital Cash: For each completed day of hospitalization, the Company will pay a cash benefit of Rs 1000/-, provided that the hospitalization occurs within 30 days of the accident date. The benefit is only available for a maximum of 15 days per occurrence and 60 days per policy period. This benefit is available for each year that the policy term exceeds one year. This benefit cannot be added to or carried over to the following calendar year. In addition to the insured sum, this amount is due. The days of admission and discharge will not be considered for the purposes of these benefits. In addition to the insured sum, this amount is due.
  1. Home Convalescence: If the attending physician recommends it, the company will pay Rs 500 for each completed day, up to a maximum of 15 days per occurrence and 60 days per policy period, towards the cost of hiring one attendant at home right away after hospital discharge. This benefit is available for each year that the policy term exceeds one year. This benefit cannot be added to or carried over to the following calendar year. In addition to the insured sum, this amount is due.
  1. Free Look: The insured may review the terms and conditions of the policy for a free look period of 15 days following the date of receipt of the policy. If the insured is dissatisfied with the terms and conditions, the insured may request cancellation of the policy. In this case, the company will grant a refund of the premium paid after deducting the costs of any pre-acceptance medical screening, stamp duty fees, and the proportionate risk premium for the relevant period, provided no claims have been filed up to the time of cancellation.
  1. Cumulative Bonus: For each year that has been completed, an additional 5% cumulative bonus accrues to the insured person, up to a maximum of 50%. The portion of the sum insured that is renewed continuously without a break is eligible for the cumulative bonus. If the policy is renewed within 30 days, the cumulative bonus will not be forfeited.
  1. Coverage for winter sports: This extension may be given for the time frame during which the insured person plans to engage in such sports.
  1. Medical Expenses Extension: Up to a maximum of Rs. 5,00,000/- per policy period, or 25% of the valid claim, 10% of the sum insured, or actuals, whichever is less. In addition to the insured sum, this amount is due.
  1. Policy Cancellation: The Company may revoke this policy for any of the following reasons: misrepresentation, fraud, moral hazard, failure to disclose a material fact disclosed in the claim form at the time of the claim, or failure of the insured to cooperate. In such a case, the Company shall give the insured 30 days’ notice by registered letter at the insured’s last known address, and no premium refund will be given.

Exclusions Under Star Accident Care Individual Insurance Policy

Here are the exclusions under the Star Accident Care Individual Insurance Policy.

  1. Any payment made in the event that there are multiple claims made under the policy during a single insurance period that would cause the company’s maximum liability for that period to exceed the capital sum insured payable under this policy, with the exception of claims for permanent total disability, for which the payment is equal to 150% of the sum insured. Payments made under the Medical Expenses Extension, Hospital Cash, Home Convalescence, Educational Grant, Ambulance Charges/Transportation of Mortal Remains, Travel Expenses of One Relative, Expenses for Vehicle and/or Residence Modification, Purchase of Blood, and Transportation of Imported Medicine are not covered by this exclusion.
  1. Any claim for things that happened before the cover started or otherwise outside the insurance period.
  1. Any pre-existing injuries or illnesses.
  1. Any claim for the insured person’s death or disability as a result of (a) wilful self-harm, suicide, or attempted suicide; (b) while intoxicated by alcohol or drugs; or (c) self-endangerment, unless done so in self-defense or to save a life.
  1. Without flying as a fare-paying passenger on a vehicle that has a valid passenger transport licence, the insured person is not engaging in air travel. Air Travel is defined as being in, on, or boarding an aircraft for the purpose of flying in it or egressing from it for the purposes of this exclusion.
  1. Involvement in riots, seizure or nationalisation of property, or requisition, destruction, or damage to property by or at the direction of any local or national government.
  1. any claim resulting from engaging in sports insofar as doing so involves training or competing against professional or semi-professional athletes.
  1. Engaging in Dangerous Sports or Dangerous Activities.
  1. Individuals who are physically or mentally disabled, unless otherwise stated and supported in the policy.
  1. Any loss caused by the insured person’s deliberate or unintentional participation in, actual or attempted commission of, or violation of the law.

Premium Illustration- How Does the Star Accident Care Individual Insurance Policy Work?

Here is a sample premium illustration of Mr. Udit Kumar Chaudhary, who is working as a Data Entry Operator at an MNC in Gurgaon. Let’s take a look at the premium amount that he will need to pay for the Star Accident Care Individual Policy:

Number of IndividualsPolicy periodMonthly Gainful Income (in Rs.)Add on CoversPremium Amount
11 Year20000–Rs. 2,974
12 Years30000Hospital CashRs. 8, 697

How To Buy Star Accident Care Individual Insurance Policy?

If you want to buy the Star Accident Care Individual Insurance policy, follow the below-mentioned steps:

  1. Visit the official website of Star Health Insurance.
  1. Hover your mouse on the “Plans” banner and then click on “View All” under the “Accident” Tab.
  1. A page will emerge displaying all the health insurance plans. Then, you will need to locate the “Star Accident Care Individual Insurance Policy”. After that, press “View Plan”.
  1. The next page will display all the information related to the plan. Just read it carefully and then press the “Get A Quote” button after entering your name, mobile number, and pin code.
  1. Now enter your contact details, including your name, mobile number, and email address, and then click “Next”.
  1. Provide basic information on the next page, including the number of individuals, policy period, Insured details, monthly gainful income, risk group, add-on covers, and more. Then click “Next”.
  1. Now you will get the premium amount details will be displayed below. Then, click on “Buy Now” to proceed with the buying process.
  1. After that, you will need to enter your user ID/mobile number and then password to continue.
  1. Make payment either via credit/debit card/net banking and the policy detail will be sent to the registered mobile number or email address.

What is The Claim Procedure for Star Accident Care Individual Policy?

If you want to make a claim for your Star Accident Care Individual Policy, then consider Claim intimation should be done through the toll-free helpline number (1800 425 2255 / 1800 102 4477) (or) Email/letter/documents (Hospitalization claims / Death claims) with the following information.

  • Policy Details
  • Name of the insured member covered along with DOB (In case of Group Policies)
  • Date of accident
  • Date of admission
  • Nature of accident
  • Hospital name
  • Intimation about an event or occurrence that may give rise to a claim under this policy must be given within 24 hours of its happening. Claims for insurance benefits must be submitted to the Company not later than 15 days after the completion of the treatment or after transportation of the mortal remains/burial in the event of Death.

Documents Required for Disablement:

  • Duly completed claim form
  • Photo of the amputated site
  • Certificate from a Government doctor, not below the rank of civil surgeon, confirming the percentage of disablement in respect of permanent disablement claims.
  • Certificate from the treating doctor for the period of rest in respect of TTD / weekly compensation claims.
  • Employee certificate (leave certificate) for the disability period, wherever applicable.

Documents Required for Death Claim:

  • Duly completed claim form
  • Death certificate from government authorities
  • First information report/medico-legal case
  • Post-mortem report
  • Panchanama
  • Police inquest report/coroner’s report (Medical examiner report)
  • Police final report
  • Legal heir certificate/succession certificate / Will duly probated where there is no assignee under the policy
  • Viscera report
  • Death summary
  • Other relevant documents

Renewal Process of Star Accident Care Individual Insurance Policy

If you are looking to renew your Star Accident Care Individual Insurance Plan? If so, listed below are the steps to renew the Policy within just a few steps.

  1. Firstly, go to the home page of Star Health Insurance.
  1. Select “Renew” from the menu at the top of the page.
  1. Once you have successfully entered the policy number and date of birth, click the “Submit” button.
  1. Your policy’s specifics are shown on the screen. The remaining balance of your premium can then be paid using one of several methods.
  1. After completing the aforementioned steps, your policy will be successfully renewed, and the necessary information will be sent to the contact information you provided.

Frequently Asked Questions

When an insured person dies accidentally, the Star Health Accident Policy pays 1% of SI, up to a maximum of Rs. 50,000, for one relative to travel to the insured person’s home.

Additional benefits offered by the Star Health Accident Policy include educational grants, ambulance fees, cumulative bonuses, transportation of imported medicines, and blood purchases.

Individuals can choose a sum insured option when purchasing a Star Health Accident Policy starting at Rs. 1,000,000 and can increase it in multiples of Rs. 10,000. The maximum sum insured limit, however, is established based on a person’s earning potential.

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