Family Accident Care Overview
The Family Accident Care Insurance Policy, offered by Star Health, provides comprehensive coverage against accidental injuries and unpredictable risks for families. It ensures financial security in cases of accidental death or permanent disability, giving peace of mind and protection for all family members.
Key Features
- Available for individuals from 16 days to 65 years, with lifelong renewal for adults and renewal up to 25 years for dependent children.
- Floater basis sum insured: Entire family shares a single sum insured.
- Coverage from ₹1,00,000 to ₹50,00,000.
- Policy duration options: 1 year or 2 years.
- Family size: Self, spouse, and up to 3 dependent children.
- Hassle-free direct claim settlement, no third-party administrator.
Benefits & Coverage
- Accidental Death: 100% of the sum insured paid to the nominee if an insured person dies due to an accident within 12 months.
- Permanent Total Disablement: 100% of the sum insured if the insured suffers permanent total disability from an accident.
- For dependent children: 25% of the sum insured amount is paid for accidental death or permanent disablement, and the remaining cover is available to other family members during the policy period.
- Flexible premium: Starting at ₹75 per lakh per year for the entire family.
Exclusions
- Claims outside the policy period.
- Intentional self-injury, suicide, or accidents under intoxication.
- Injuries from participation in hazardous sports or activities.
- Pre-existing conditions, air travel (except as a fare-paying passenger), and acts of war.
Detailed exclusion list provided in policy document.
Special Advantages
- 15-day free look period at the start of the policy.
- Grace period of 30 days for policy renewal.
- Policy can be renewed except in cases of fraud or misrepresentation.
- Cashless treatment available in network hospitals.
- Direct in-house claim processing ensures faster settlements.
How to Buy/Claim
- Purchase online via the provider’s website.
- 24/7 customer support and claim assistance available.
- Claims for accidental death require documents like death certificate, accident proof, and more.
- For permanent disability, a certificate from a government doctor is required.