Star Personal Accident Care Insurance

Features of Star Personal Accident Care Insurance

Cover for Accident death, Permanent Disability and temporary Disablement.
Compensation for Permanent Total Disablement is 150% of the sum insured.
Enhanced weekly compensation up to Rs.15,000/- per week (maximum 100 weeks).
Educational Grant for dependent children
Cumulative bonus 5% per annum maximum 50% for each claim free year
Coverage for Winter Sports
On-line purchases – 5% discount on premium excluding tax
If family is covered – 10% of discount on total premium
No Third Party Administrator - direct in - house claims team ensures faster and hassle free claims settlement. Supported by 24X7 Toll Free Helpline for any assistance required by the insured.

Star health insurance sum insured
1 lac − 100 lacs options available

Incurred Claims Ratio *
95.00%

Star health insurance tenure options
1, 2, 3 years options available

Claims Settlement Ratio **
76.61%

List of network hospitals
12,000+ hospitals

Number of policies issued *
6,398,761

Maximum family floater coverage
Self, Spouse + 3 dependent children

Number of lives covered *
18,922,815

* As per IRDAI report for 2020-21 | ** As per NL25 data published on the Insurance Company website

Any person between 18 and 70 years of age at the time of entry can take this insurance.
Dependent children covered from 5 months onwards
Policy benefits are applicable individually for each person covered under a family policy.
Policy Term : 1/2/3 years
Insured Classification – For the purpose of risk exposure and rating, the insureds will be classified in the following three categories:
- 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 Risk Group III
- Risk Group III – Persons working in explosives industry, mine and /or Magazine workers, high tension electric supply, horse racing including jockeys, athletes and occupations of similar hazard

Table A	Accidental Death	100% of Sum Insured + Bonus (if any)
Table B	a. Accidental Death	100% of Sum Insured + Bonus (if any))
	b. Permanent Total Disablement	150% of Sum Insured + Bonus (if any)
	c. Permanent Partial Disablement	Specified percentage depending on the disability
Table C	a. Accidental Death	100% of Sum Insured + Bonus (if any)
	b. Permanent Total Disablement	150% of Sum Insured + Bonus (if any)
	c. Permanent Partial Disablement	Specified percentage depending on the disability
	d. Temporary Total Disablement	The benefit under this table is payable during the period of Temporary Total Disablement of the person covered due to an accident and resulting in hospitalization. The compensation payable is at the rate of 1% of the sum insured, subject to a maximum of Rs.15,000/- , per completed week, upto 100 weeks.

Additional in-built Benefits

Educational Grant: Maximum of Rs.10,000/- per child upto 2 children in case of Death/Permanent Total Disability of the insured person
Ambulance Charges / Transportation Expenses of Mortal Remains: The limit of Company’s liability is Rs.5,000/- only during the policy period.
Travel Expenses for One Relative (Applicable for Death claims only): 1% of Total Sum Insured upto Rs.50,000/- subject to actual for the transport expenses to one relative of the insured person.
Vehicle and/or Residence Modification: 10% of Table B and Table C sum insured subject to a maximum of Rs.50,000/- towards the expenses incurred to modify the insured person’s residential accommodation or vehicle.
Purchase of Blood: Upto 5% of the sum insured under relevant table/tables opted subject to a maximum of Rs.10,000/- towards the expenses incurred in purchasing blood through a Hospital or Government approved blood bank.
Transportation of Imported Medicines: Upto 5% of Total sum insured subject to a maximum of Rs.20,000/- towards the expenses incurred on freight charges for importing medicines.

The above mentioned amounts are payable in addition to the sum insured.

Optional Benefits (on payment of additional premium)

Medical Expenses Extension: Upto 25% of the valid claim or 10% of the sum insured or actual whichever is less subject to a overall limit of Rs.5,00,000/- per policy period.
Hospital Cash: Cash benefit of Rs.1000/- for each completed day of Hospitalization (excluding date of admission and date of discharge) provided such hospitalization happens within 30 days from the date of accident.
Home convalescence: Rs.500/- for each completed day subject to a maximum of 15 days per occurrence and 60 days per policy period towards the cost of engaging one attendant at residence immediately after discharge from the hospital, provided the same is recommended by the attending physician.

Cumulative Bonus

Cumulative Bonus of 5% accrues to the insured person for each completed year, subject to a maximum of 50%. Cumulative bonus will not be lost if the policy is renewed within 30 days. Cumulative bonus is not applicable on the Additional Benefits Or Optional Benefits.

Key Features:

Sum Insured for Basic Cover (Death and Permanent Disability): School Students - Rs.50,000/- College Students Rs.1,00,000/-
The sum insured can be increased in multiples of Rs.10, 000 up to a maximum of ₹1,00,000 / ₹2,00,000 at an additional premium of Rs.0.60 per mille.