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All about Star Health Insurance and Plans
Star Health Insurance
Star Accident Care Plan
A health plan designed to protect you from accidental death and disabi ...Read More
Up to 1 Cr
Sum insured
1
No. of plans
850+
Pan India presence
99.06%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,756 reviews
🏥 14,000+ hospitals
📊 2.21 solvency ratio
✅ 99.06% claim settlement
About Star Accident Care Plan
A quick read on what this Star Health Insurance plan covers and why it might be a fit for you.
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:
- Table A: Covers Accidental Death
- Table B: Covers Accidental Death and Permanent Disablement
- Table C: Covers Accidental Death, Permanent Disablement, and Temporary Total Disablement (Weekly Compensation)
Plan at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
18 years to 70 Years
Plan type
Accident Health Insurance
Sum insured options
₹1 L
Waiting period
30 days
Renewability
NA
Policy term
1/2/3 Year
*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
Pros & cons
A quick honest summary — the strengths and the trade-offs.
Pros
- Educational grant for 2 children
- Accidental Death
- Permanent Total Disability
Cons
- Intentional self-injury
- Infertility and in vitro fertilization
- Miscarriage and abortion
What's covered
Every CMS-driven coverage flag from the plan wording — only items with a published value render below.
Hospitalization
- Room rent Not covered
- ICU charges Not covered
- Pre-hospitalization Not covered
- Post-hospitalization Not covered
- Domiciliary hospitalization Covered
- Day-care treatment Not covered
- OPD charges Not covered
- Covid-19 treatment Covered
- Cataract Not covered
Bonuses & restoration
- No-claim bonus Applicable
- Automatic restoration of SI Not Applicable
- Daily hospital cash Covered
Family & special care
- Maternity cover Not covered
- New-born baby cover Not covered
- IVF treatment Not covered
- AYUSH treatment Not covered
- Organ donor expenses Not covered
Modern & preventive care
- Modern treatment Not covered
- Road ambulance Covered
- Air ambulance Not covered
- E-consultation Not covered
- Health check-up Not covered
- Second medical opinion Not covered
- Vaccination Not covered
Conditions & global
- Co-payment Not Applicable
- Sub-limits Not covered
- Compassionate travel Not covered
- Global coverage Not covered
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.
Star Health Insurance Plan Detailed Review
Star Health Insurance Network Hospital List
Star Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Star Health Insurance ensures that you are medically secured, irrespective of the city you reside in.
Inclusions & exclusions
What the plan pays for, and what it doesn't.
Exclusions
- Hospitalization due to war, riot, strike, and nuclear weapons
- Intentional self-injury
- Infertility and in vitro fertilization
- Miscarriage and abortion
- Congenital disease
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Entry Age: 18 to 70 Years
- Sum Insured: Starts from ₹1 Lakh
- Initial Waiting Period: 30 Days
Other features & benefits
- Avail Home Care
- Multiple Discount Benefits
- Compassionate Travel
Star Health Accident Policy: FAQs
The 5 most-asked questions about Star Accident Care Plan, answered.
Individuals between the age of 18 years and 70 years can purchase Star Health Personal Accident Policy, individuals can also cover dependent children between the age of 5 months and 25 years under the policy . The policy offers a Life-long renewal.
When purchasing Star Health Accident Policy individuals can choose a sum insured option starting from Rs. 1,00,000 which can be increased in the multiples of 10k. However, the maximum sum insured limit is decided on the basis of an individual’s earning capacity.
There are 3 different cover options available under the policy, namely Table A- Covers Accidental Death (policy provides 100% of the sum insured along with cumulative bonus) Table B- Covers Accidental Death And Permanent Disablement (policy provides 150% of the sum insured along with cumulative bonus) Table C-Covers Accidental Death, Permanent Disablement, and Temporary Total Disablement ((policy provides 1% of the sum insured to a maximum of Rs.15,000)
Star Health Accident Policy provides 1% of SI up to a maximum of Rs.50,000 for the travel of one relative to the insured individual’s residence in case of accidental death of insured person.
Star Health Accident Policy provides additional benefits like purchase of blood, transportation of imported medicines, cumulative bonus, ambulance charges and educational grant amongst other benefits.
Explore Star Health Insurance
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Renewal of Star Health Insurance
Star Health Insurance Customer Care
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Star Health Policy Cancellation
Star Health Insurance Claims
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