Accidents may be unpredictable, but your financial protection shouldn’t be. With Star Health’s Accident Care policy, you can live with confidence knowing you are always covered.

Star Health Insurance – Accident Care Individual Insurance Policy

Introduction:
The Star Health Accident Care Individual Insurance Policy is a comprehensive protection plan specially designed to provide financial security in case of accidents that lead to injuries, disability, or death. This plan ensures that you and your loved ones are financially protected against unforeseen mishaps — offering peace of mind when life takes unexpected turns.

It not only covers accidental death but also provides benefits for partial or total disability, hospitalization, and other related expenses, making it an essential safeguard for individuals across all professions and age groups.

Key Features of Accident Care Individual Policy

1. Personal Accident Coverage:
   Provides financial compensation in the event of accidental death, permanent total disability, or partial disability.
2. Education Grant:
   Offers an educational benefit to dependent children in case of the policyholder’s accidental death or total disability.
3. Transportation of Mortal Remains:
   Covers the cost of transporting the insured’s mortal remains to the residence or cremation ground.
4. Hospitalization Expenses due to Accident:
   Covers medical expenses for hospitalization arising directly due to accidental injury.
5. Permanent Total Disability Benefit:
   Lump sum payment is provided if the insured becomes permanently disabled and is unable to earn a livelihood.
6. Permanent Partial Disability Benefit:
   Compensation is paid based on the percentage of disability suffered due to an accident.
7. Temporary Total Disablement Benefit:
   Weekly compensation is given for loss of income during recovery from accident-related injuries.
8. Optional Cover for Family Members:
   The policy can be extended to include the insured’s spouse and dependent children for enhanced protection.
9. Ambulance Charges Covered:
   Provides reimbursement of ambulance expenses for transportation to the hospital after an accident.
10. Coverage for Worldwide Accidents:
    The policy offers 24x7 global protection, ensuring coverage no matter where the accident occurs.
11. Lifetime Renewability:
    The policy can be renewed lifelong without any upper age limit, ensuring continuous protection.
12. Tax Benefits:
    Premiums paid under the policy are eligible for deductions under Section 80D of the Income Tax Act, 1961.

Other Important Information

• Eligibility:
  • Adults: 18 to 70 years.
  • Dependent children: 5 to 25 years.
• Policy Type: Individual.
• Coverage Areas: Worldwide.
• Sum Insured Options: ₹2 lakh to ₹50 lakh (depending on occupation and plan chosen).

Example Case Study

Example:
Ms. Priya, a 30-year-old marketing professional, opted for the Star Health Accident Care Individual Policy with a sum insured of ₹25 lakh.

A few months later, she met with a road accident that resulted in a leg fracture and required hospitalization. Her medical bills totaling ₹1.8 lakh were completely covered under the policy, and she also received weekly compensation during her recovery period for loss of income.

The policy provided her and her family immense relief during the difficult period, helping them manage both medical and financial challenges without worry.

Conclusion

The Star Health Accident Care Individual Insurance Policy is a must-have plan for anyone seeking financial protection against accidental risks. With its wide-ranging benefits — from hospitalization coverage to disability compensation — it ensures you and your family remain financially stable even after unexpected incidents.

Accidents may be unpredictable, but your financial protection shouldn’t be. With Star Health’s Accident Care policy, you can live with confidence knowing you are always covered.

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