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The Star Health Accident Policy provides optimal care and coverage in case of unfortunate accidents. Accidents are an uninvited inconvenience that can hinder an individual's life and make it difficult to achieve goals. It is imperative to have proper care to recover from such mishaps. The Star Health Accident Policy is a preferred choice for protection against such circumstances.
The Star Health Accident Policy is available as an individual and family floater policy. Dependent children can be covered from 5 months of age, and adults between 18 to 70 years. This policy covers risks such as Accidental Death, Permanent Total Disablement, Permanent Partial Disablement, and Temporary Total Disablement. Added benefits under the Star Health Personal Accident Policy, at no additional premium, include educational grants for children, ambulance charges, hospital cash, and more.
The Star Health Accident Policy offers three different cover options:
| PLAN DETAILS |
Accident Policy |
Zuno Arogya Sanjeevani |
| Product Type | Accident Health Insurance | Family |
| 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 | 10000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Not Covered | Not Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Available | Not Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | Not Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Not Covered | Not Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Not Available | Applicable |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Not Applicable | Applicable |
| Plan Entry Age | 18 years to 70 Years | 18 Years |
| Plan Premium Entry Age and S/A | 7847 | 7,200 |
| Plan Waiting Period | 30 | 30 |
| Plan Coverage | - | In-patient hospitalization (room, ICU, doctor fees), pre (30 days) & post (60 days) hospitalization, daycare treatments, AYUSH treatment, cataract (with sub-limit), ambulance cover, modern treatments (robotic, stem cell, etc.) |
| Plan Sample Premium | - | 7,200 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1/2/3 Year | 1 Year |
| ICU Charges | Not Covered | Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Not Covered | Covered |
| Automatic Restoration | Not Applicable | Not Covered |
| Ayush Treatment | Not Covered | Covered |
| Modern Treatment | Not Covered | Covered |
| E Consultation | Not Covered | Not Covered |
| Air Ambulance | Not Covered | Not Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | 99.06 | 98.54 |
| Solvency Ratio | 2.21 | 1.97 |
|
Star Health Insurance Plan Detailed Review |
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