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Accident Policy
VS
Yuva Bharat Policy
4712
Star Health Accident Policy provides optimal care and cover in case of any unfortunate accidents. Accidents are an uninvited inconvenience in any individual’s life and can hinder life making it difficult to achieve goals. It is imperative that you gain immunity and proper care to bounce back from such mishaps. Star Health Accident Policy is the choice for most against such circumstances.
Star Health Accident Policy is an individual and family floater policy where dependent children can be covered from the age of 5 months and adults between the age of 18 to 70 years. Star Health Accident Policy covers risks like Accidental Death, Permanent Total Disablement, Permanent Partial Disablement, Temporary Total Disablement, and more. Added benefits under Star Health Personal Accident Policy at no additional premium are Educational grants to children, Ambulance Charges, Hospital cash, and more.
Star Health Accident Policy offers three different cover options namely,
| PLAN DETAILS |
Accident Policy |
Yuva Bharat Policy |
| Premium Including GST | ||
| Product Type | Accident Health Insurance | Individual and Family Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not Covered | Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Not Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Covered | Not Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Not Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Not Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Not Covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
14000 | 3000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Not Covered | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Available | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Not Covered | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Not Available | Not Available |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Not Applicable | Available |
| Plan Entry Age | 18 years to 70 Years | Min- 91 days, Max- 45 years |
| Plan Premium Entry Age and S/A | 7847 | 4712 |
| Plan Waiting Period | 30 | 30 |
| Plan Coverage | - | - |
| Plan Sample Premium | - | 4712 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1/2/3 Year | 1/2/3 Years |
| ICU Charges | Not Covered | Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Not Covered | Covered |
| Automatic Restoration | Not Applicable | Covered |
| Ayush Treatment | Not Covered | Covered |
| Modern Treatment | Not Covered | Covered |
| E Consultation | Not Covered | Not Covered |
| Air Ambulance | Not Covered | Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | 99.06 | 90.73 |
| Solvency Ratio | 2.21 | 1.91 |
|
Star Health Insurance Plan Detailed Review New India Health Insurance |
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