Star Health Accident Care Insurance Policy

Accident insurance pays a fixed amount if you get injured or die in an accident. It covers accidental death, permanent disability (full or partial), and temporary disability. Some policies also include benefits like ambulance costs and education grants.

Accidents can hit hard and fast. Medical bills and lost income can pile up. Accident insurance helps reduce that financial pressure.

It’s a smart way to protect yourself and your family if things go wrong.

What Is Accident Insurance?

Accident insurance pays a fixed amount if you get injured or die in an accident. It covers accidental death, permanent disability (full or partial), and temporary disability. Some policies also include benefits like ambulance costs and education grants.

Accidents can hit hard and fast. Medical bills and lost income can pile up. Accident insurance helps reduce that financial pressure.

It’s a smart way to protect yourself and your family if things go wrong.

Why Do You Need Accident Insurance?

Accidents happen without warning. They can cause physical pain, emotional strain, and financial stress. Medical bills add up fast, and recovery isn’t cheap.

Accident insurance helps cover those costs. It gives you a payout that can ease the burden on you and your family.

It’s a simple way to stay financially ready for life’s sudden hits.

Best Accident Insurance Plans to Secure Yourself

• Accident Care Individual Insurance Policy

  • Family Discount: Save 10% on premiums when you buy the policy for your family.
  • Accidental Death Cover: Get 100% of the sum insured as a lump sum if the insured person dies in an accident.
  • Educational Grant: Up to ₹20,000 is paid for each dependent child if the insured dies or suffers permanent total disability.

• Family Accident Care Insurance Policy

  • Accidental Death Cover: Get 100% of the sum insured as a lump sum if the insured person dies in an accident.
  • Permanent Total Disability Cover: Receive 100% of the sum insured if an accident causes permanent total disability.
  • Lifelong Renewal: Keep your policy active with the option for lifelong renewal.

• Saral Suraksha Bima – Star Health and Allied Insurance

  • Cumulative Bonus: Earn 5% of the sum insured for every claim-free year, up to a maximum of 50%.
  • Accident Hospitalisation Cover (Optional): Get up to 10% of the sum insured to cover hospital expenses after an accident.
  • Accidental Death Cover: Receive 100% of the sum insured as a lump sum if the insured person dies in an accident.

Why Do I Need Accident Insurance?

Accident Insurance provides comprehensive coverage for various situations. Here are the key benefits of a comprehensive Accident Insurance policy:

• Educational Grant: In the unfortunate event of the insured’s death or total permanent disablement due to an accident, the policy provides an educational grant for up to two dependent children.
• Permanent Partial Disability: The policy covers instances of permanent partial disability, such as loss of toes or fingers, by providing a lump sum benefit.
• Hospital Cash: It offers a cash allowance for each day of hospitalization, up to a specified limit, and for a maximum number of days in a policy year.
• Accidental Death: In the event of the insured’s accidental death, the policy provides compensation as a lump sum.
• Temporary Total Disability: The policy extends coverage for temporary total disability resulting from an accident.
• Hospitalization Expenses: Some policies cover both in-patient and out-patient hospitalization expenses due to accidents.
• Ambulance Cost: Most policies cover ambulance expenses for transporting the insured to the hospital and, in some cases, for transporting mortal remains.
• Permanent Total Disability: The policy provides coverage in the event of permanent total disability, where the individual is unable to work due to the accident.
• No Medical Screening: One significant benefit is that Accident Insurance policies do not require any medical screening for availing the policy.

For the purpose of rating under all the plans, risks are categorized into three groups:

• Risk Group I: This includes individuals primarily engaged in administrative roles.
• Risk Group II: This category comprises individuals involved in manual work, excluding those mentioned in Risk Group III.
• Risk Group III: Individuals engaged in explosive industry, mines and/or magazine work, high tension electric supply, horse racing (including jockeys), athletes, and occupations with similar hazards fall under this group.

Eligibility

This plan is available for both individuals and groups. The family package includes parents and children aged 3 years and above.

Exclusions

Certain conditions are not covered under the plan, and claims will not be accepted in the following scenarios:

• Expenses incurred before the policy’s start date or outside the coverage period.
• Claims resulting from non-compliance with a doctor’s advice.
• Pre-existing conditions.
• Deliberate actions by the insured person or crimes committed under the influence of drugs or alcohol.
• Participation in hazardous sports activities.
• Issues such as mental disorders, suicide or attempted suicide, self-inflicted injuries, sexually transmitted diseases, anxiety disorders, etc.
• Individuals with mental disabilities unless specifically mentioned in the plan.
• Acts of nuclear, chemical, and biological terrorism.

Renewal

The plan can be renewed as long as there has been no misrepresentation of information or fraudulent activities related to the plan or the policy. A grace period of 30 days is available for renewal from the expiry date of the plan.

Cancellation

The insurance company may cancel the plan in the following cases: misrepresentation of facts, fraud, moral hazard, non-disclosure of material facts, or non-cooperation by the insured individual. Additionally, the insured person has the right to cancel the plan at any time. In such cases, the company will refund the premium after deducting a percentage based on the period of risk under the plan. The retained premium percentages are as follows:

We offer different Accident Care Plans, including the following:

• Accident Care Insurance Plans
• Student Care – School and College Plan: This plan provides coverage for accidental death, permanent total disability, hospitalization benefits, and education grants.
• Accident Trauma Care Plan: This plan covers accidental death, permanent total disability, and hospitalization benefits.
• Pravasi Bhima Yojna Plan: This plan includes coverage for accidental death, permanent total disability, and hospitalization benefits for family members of the deceased insured. It also covers repatriation expenses in case of employment issues, maternity coverage for the insured person, and one-way economic fare. This plan is specifically designed for employees working on contract abroad.

Claim: 

When filing a claim for an accident, you can notify us through the call center, email, letter, or by submitting the required documents. Here’s what we need to process your claim:

• Name of the Insured
• Date of the accident
• Details about the accident
• Admission date
• Name of the hospital

For a death claim, you’ll need to provide:

• Completed claim form
• Death Certificate issued by Government Authorities
• Post Mortem report
• Panchanama
• FIR
• Police Inquest Report
• Original copy of the policy
• Legal Heir Certificate
• Succession Certificate
• Death Summary
• Viscera Report

For a disablement claim, you’ll need:

• Completed claim form and Disability Certificate
• Photo of the amputated area
• Field Visit Report
• Certificate from the treating doctor specifying the percentage of disability and the expected recovery time, based on input from an Orthopedic Surgeon
• Employee Certificate or Leave Certificate for the disability period.

Types of Claims

When it comes to making a claim, there are two types: cashless claims and reimbursement claims.

For cashless claims

For cashless claims at any of our network hospitals, you’ll need to submit the following documents:

• Health Card
• Doctor’s Consultation Papers
• Completed claim form
• Investigation Reports
• Invoices for pharmacy-related expenses
• Medico Legal Certificate (MLC) and FIR
• Discharge Summary

Once you provide these documents, Star Care will review the plan and its coverage. A qualified doctor will then be assigned to ensure the necessity of the treatment and will facilitate any additional required documentation. Upon approval, the claim process will move forward smoothly.

Reimbursement Claims

In case of Reimbursement Claims, it’s important to inform the Insurance Company within 24 hours of hospitalization. All hospital bills must be settled directly with the hospital before filing a claim with the Insurance Company. The claim documents must be submitted within 30 days of discharge. Here are the documents required for Reimbursement Claims submission:

• Completed claim form (with mandatory intimation to the toll-free number beforehand)
• Original pharmacy bills along with proper prescriptions
• Original Discharge Certificate/card from the hospital, along with original bills and receipts
• Details of the operation performed and the surgeon’s bill
• Reports of investigations and receipts from the Pathologist, supported by a note from the attending practitioner/surgeon recommending the tests
• Hospital Registration Certificate (for hospitals with less than 15 beds)
• Certificate from the treating doctor
• Self Declaration/MLC/FIR for accident-related cases

Make sure to gather all the necessary documents and submit them within the specified timeline to ensure a smooth reimbursement process.

Don’t Wait for an Accident to Plan for One

Accidents don’t send a warning. Medical bills, lost income, and long-term recovery can hit harder than the injury itself. Accident insurance isn’t just a policy—it’s a financial shield when life takes a sharp turn.

If you’re serious about protecting your family and your future, now is the time to act.

Call a Star Health Insurance Agent today at 7347595768 Get the facts. Get covered. Stay prepared.