Accident Care Plan Overview
Life is unpredictable, and accidents can disrupt your life and those of your family. The Accident Care Individual Insurance from Star Health and Allied Insurance offers comprehensive financial protection when you need it most.
Eligibility
- Entry age: 18 to 70 years
- Dependent children cover from 5 months up to 25 years
- Family includes insured person, spouse, and dependent children
- Sum insured is based on monthly income from gainful employment
Coverage Highlights
- Protection against accidental death, permanent total and partial disablement
- Temporary total disablement compensation during hospitalization
- Sum insured up to 150% for permanent total disablement
- Compensation scales with disability severity
Special Features
- Prior impairments deducted in claims as certified by government doctors
- Multiple disabilities’ compensation capped at 100% to 150% of sum insured
- Obligatory medical examinations for permanent disablement claims
- Policy terminates on full claim amount payout for permanent total disablement
Additional Benefits (At No Extra Cost)
- Educational grant for children (Rs. 10,000 to Rs. 20,000)
- Ambulance and transportation of mortal remains expenses (Rs. 5,000)
- Travel expenses for a relative up to Rs. 50,000
- Vehicle and/or home modification up to Rs. 50,000
- Purchase of blood and transportation of imported medicines coverage up to specified limits
Optional Add-Ons (With Additional Premium)
- Medical expenses extension up to Rs. 5,00,000 per policy period
- Coverage for winter sports participation
- Hospital cash benefit Rs. 1,000 per day for hospitalization due to accident, up to 15 days
- Home convalescence allowance Rs. 500 per day for post-hospital care, up to 15 days
Policy Terms
- Available for 1, 2, or 3 year durations
- Premiums vary by risk group and coverage table
- Family discount of 10% on total premium if entire family is covered
- Grace period of 30 days for renewal with continuity of benefits
Exclusions
- Claims outside policy period or pre-existing conditions
- Injuries from intentional self-harm, intoxication, or illegal acts
- Mental disorders, AIDS, nuclear risks, war, and hazardous sports activities
- Air travel except as a fare-paying passenger on licensed aircraft
Claims Support
- 24/7 helpline and direct claim settlement without third-party administrators
- Easy nomination facility
- Quick processing with direct in-house claims handling