Sanjay Financial :: Authorised Agent Based in Pune

An accident can put anyone’s future at risk. While an accident can be sudden, guarding against them can be a conscious deliberate decision. STAR Health Accident Care Insurance provides compensation in the event of death, permanent disability and injuries suffered due to accidents.

• 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 for 100 weeks
• Educational grant to children (1 Child – Rs.5000/-, 2 Children– Rs.10,000/-)
• Transportation expenses of mortal remains (Rs.3000/-)
• Travel expenses of one relative (Rs.1000/-)
• Cumulative Bonus of 5% accrues to the Insured Person for every claim free year, subject to a maximum of 50%

Optional Benefits

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

Risk Features

• For purpose of rating, persons proposed for insurance are classified under three risk groups
• Risk Group I – Persons engaged primarily in administrative functions
• Risk Group II – Persons engaged in manual work other than what is specifically provided for under Group III
• Risk Group III – Persons working in explosives industry, mines workers, high tension electric supply, horse racing including jockeys, athletes and occupations of similar hazards

Claim Procedure

• Call the Star Health 24 hour help-line to register the details of hospitalization.
• Kindly mention your Star Health ID number for easy access to your policy details.
• In case of a planned hospitalisation, please register 24 hours prior to admission to the hospital
• In case of emergency hospitalisation, please regiser within 24 hours of hospitalisation
• 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.

Exclusions

• 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

How much to pay (for individuals)?

For groups

Can this policy be taken by a group?

Group Policies are allowed without additional benefits. But Group Policies are eligible for a discount on the basic premium when the size of the group increases substantially.

Renewal

• The Insurance may be renewed under mutual consent

How to buy this insurance?

• Please contact us through our Toll Free Help Line / SMS / nearest office