Star Health Accident Care Insurance Policy

1. At entry, customers must be between 18 and 70 years old and renewal is available for life.
2. From the age of 5 months to 25 years, dependent children can be covered.
3. Benefits of the policy are applicable for each individual who is covered by the policy.
4. No exit age

Individual

One year/Two years/Three years

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.

Based on income per month from gainful employment as determined by the company.

1. Additional benefits for free
2. Optional benefits for hospital cash
3. Optional benefits for home convalescence
4. Extension for medical expenditure
5. Insurance cover for winter sports is available

1. 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.
2. Transportation for mortal remains and ambulance charges up to Rs. 5000 will be borne by the company during the policy term.
3. For death claims, travel expense for one relative will be paid for.
4. Other benefits include purchase of blood, transportation of medicines will be taken up for a certain amount.
5. On payment of additional premium, customers can also procure an extension on medical expenses, home convalescence and hospital cash benefit can be procured.
6. A cumulative bonus of 5 percent of the insured sum accrues to the policyholder for every completed year for a maximum of 50 percent.

1. Pre-existing injuries or disabilities
2. Claim regarding events that has occurred prior to commencement of policy
3. Claim for disability or death due to self-inflicted injuries
4. Mental disorder, suicide, attempted-suicide
5. Accidents due to war, rebellion, civil war. Etc.
6. Nuclear, biological or chemical terrorism.
7. Participation in life threatening activities