The information provided in this brochure is only indicative.

For more details

on the risk factors, terms and conditions, please read the policy wordings
before concluding sale
Or
Visit our website www.starhealth.in

“IRDAI IS NOT INVOLVED IN ACTIVITIES LIKE SELLING

INSURANCE POLICIES, ANNOUNCING BONUS OR INVESTMENT
OF PREMIUMS. PUBLIC RECEIVING SUCH PHONE CALLS ARE
REQUESTED TO LODGE A POLICE COMPLAINT” Safety rst!
Family Accident Care Insurance Policy is the best
Family Accident Care Insurance Policy
Unique Identification No.: SHAHLIP21042V012021

Buy this Insurance Online at www.starhealth.in

Family Accident Care
Insurance Policy
Insurance is the subject matter of solicitation

BRO / FAC / V.4 / 2023

Regd. & Corporate Office: No.1, New Tank Street,

Valluvar Kottam High Road, Nungambakkam, Chennai - 600 034.
Customer Care Number: 044 69006900 | Toll free: 1800 425 2255
Chat: +91 9597652225 | sms: STAR to 56677 | Email: [email protected]
CIN: L66010TN2005PLC056649 | IRDAI Regn. No: 129
Unique Identification No.: SHAHLIP21042V012021

b. Where a claim is admitted / admissible under 1 or 2 above, the policy cannot be

Family Accident Care Insurance Policy renewed for such relevant person
Unique Identification No.: SHAHLIP21042V012021 ► Premium Table (Excluding GST) (Irrespective of Family Size)
· For 1 Year policy: Rs.75/- per lakh (Per Family)
Life is a wonderful journey, unless it throws upon us, unforeseen risks at unexpected times. Like
a personal accident or an injury, which could leave you and your finances drained. So, protect · For 2 Year policy: Rs.145/- per lakh (Per Family)
yourself and your family members with STAR Health’s FAMILY ACCIDENT CARE INSURANCE ► TAXES ARE SUBJECT TO CHANGES IN TAX LAWS
POLICY. A policy that covers all accident-related eventualities of the insured and proves to be
the best defence against the odd slips, twists and turns of life. ► Claim Illustration
► Eligibility Claim Illustration 1 - (2A+1C)
· Any person aged between 16 days and 65 years can take this insurance. Maximum
Family Size Self, Spouse and 1 Child (2A+1C)
renewal age for dependent children is 25 years and for adult no exit age.
· Life-long renewal. Sum Insured Rs. 1,00,000/-
Period of Insurance From: 01.06.2020 to 31.05.2021
► Sum Insured Basis: Floater Basis.
Floater basis means, the Sum Insured and other related benefits (in any) float amongst the Date of Death 01.12.2020
insured persons. Accident 1: Accidental Death of Self
1,00,000/-
► Minimum Sum Insured: Rs.1,00,000/- (100% of sum insured)
► Maximum Sum Insured: Rs.50,00,000/- Policy gets terminated since 100% of the sum insured is paid

► Policy Term: 1 year & 2 years Policy can be renewed for Spouse and Child
Where the policy is issued for more than 1 year, the sum insured is for each of the year,
without any carry over benefit thereof Claim Illustration 2 - (2A+1C)
► Family Size: Self, Spouse, and Dependent Children (Up to 3 Dependent Children) Family Size Self, Spouse and 1 Child (2A+1C)
► Benefits Sum Insured Rs. 1,00,000/-
If at any time during the Period of Insurance, the Insured Person shall sustain any bodily Period of Insurance From: 01.06.2020 to 31.05.2021
injury solely and directly from Accident caused by external, violent and visible means and if
such accident causes Date of Death 01.12.2020
1. Death of the Insured Person within 12 Calendar months from the date of Accident, then Accident 1: Accidental Death of Child
25000
the Company will pay as compensation, 100% of the Sum Insured stated in the Schedule (25% of sum insured will be paid)
or Sum Insured for Self and Spouse for the
2. Permanent Total Disablement of the Insured Person within 12 Calendar months remaining policy period (that is for the 75000
from the Date of Accident, then the Company will pay as compensation, 100% of the period from 02.12.2020 to 31.05.2021)
Sum Insured stated in the Schedule, provided that the disability is confirmed and Accident 2: Accidental Death of Self during
claimed within 60 days from the occurrence of disablement. the remaining policy year (1.3.2021). Claim 75000
Note Payable
a. Where the insured person is a Dependent Child, the compensation for 1 or 2 Policy gets terminated as 100% sum insured is paid
above will be 25% of the sum insured stated in the Schedule. Thereafter the policy
will continue until expiry for the balance sum insured for the other Insured Persons. Policy cannot be renewed since only one person cannot be covered
1 2
Unique Identification No.: SHAHLIP21042V012021

► Exclusions ► Free Look Period: At the time of inception of the policy, the Insured will be allowed a period
The Company shall not be liable to make any payments in respect of: of 15 days from the date of receipt of the policy to review the terms and conditions of the
1. Any Claim relating to events occurring outside the Period of Insurance. policy and to return the policy if not acceptable. In such a case , the premium refund shall be
2. Any claim arising out of Accident of the Insured Person from as follows :If the Insured has not made any claim during the free look period, the Insured
a. Intentional self injury / suicide or attempted suicide or shall be entitled to –
b. Whilst under the influence of intoxicating liquor or drugs or 1) a refund of the premium paid less any expenses incurred by the Insurer on medical
c. Indulging in self endangerment unless in self defense or to save human life. examination of the insured persons and the stamp duty charges
3. Any claim arising out of accident attributable to pre-existing conditions, if proven. or
4. Insured Person engaging in Air Travel unless he/she flies as a fare-paying passenger 2) where the risk has already commenced and the option of return of the policy is
exercised by the policy holder, a deduction towards the proportionate risk premium for
on an aircraft properly licensed to carry passengers. For the purpose of this exclusion period on cover
Air Travel means being in or on or boarding an aircraft for the purpose of flying therein
or
or alighting there from.
3) where only a part of the insurance coverage has commenced , such proportionate
5. Accidents that are results of war and warlike occurrence or invasion, acts of foreign premium commensurate with the insurance coverage during such period.
enemies, hostilities, civil war, rebellion, insurrection, civil commotion assuming the Free look period shall not be applicable at the time of renewal
proportions of or amounting to an uprising, military or usurped power, seizure capture
arrest restraints detainments of all kings princes and people of whatever nation, ► Renewal Clause: The policy will be renewed except on grounds of misrepresentation /
condition or quality whatsoever. fraud committed.
6. Participation in riots, confiscation or nationalization or requisition of or destruction of A grace period of 30 days from the date of expiry of the policy is available for renewal.
However the actual period of cover will start only from the date of payment of premium. In
or damage to property by or under the order of any government or local authority. other words no protection is available between the policy expiry date and the date of
7. Any claim resulting or arising from or any consequential loss directly or indirectly payment of premium for renewal.
caused by or contributed to or arising from: Every renewal premium (which shall be paid and accepted in respect of this policy) shall be
a. Ionizing radiation or contamination by radioactivity from any nuclear fuel or from so paid and accepted upon the distinct understanding that no alteration has taken place in
any nuclear waste from the combustion of nuclear fuel or from any nuclear waste the facts contained in the proposal or declaration herein before mentioned and that nothing
from combustion (including any self sustaining process of nuclear fission) of is known to the Insured that may result to enhance the risk of the Company under the insurer.
nuclear fuel. Renewal premium is subject to change with prior approval from the Regulator. Change of
options/plans within same product is permissible only at the time of renewal.
b. Nuclear weapons material
c. The radioactive, toxic, explosive or other hazardous properties of any explosive ► Modification of the terms of the policy: The Company reserves the right to modify the
nuclear assembly or nuclear component thereof. policy terms and conditions or modify the premium of the policy with the prior approval of the
Competent Authority. In such an event the insured will be intimated three months in advance
d. Nuclear, chemical and biological terrorism
8. Any claim arising out of sporting activities in so far as they involve the training or ► Withdrawal of the policy: The Company reserves the right to withdraw the product with
prior approval of the Competent Authority. In such an event the insured will be intimated
participation in competitions of professional or semi-professional sports persons.
three months in advance and the insured shall have the option to choose to be covered by
9. Participation in Hazardous Sport / Hazardous Activities an equivalent or similar policy offered by the Company.
10. Persons who are physically challenged, unless specifically agreed and endorsed in
► Disclosure to information norms: The policy shall become void and all premium paid
the policy. hereon shall be forfeited to the Company, in the event of non disclosure of any material fact
11. Any loss arising out of the Insured Person's actual or attempted commission of or and/or mis-representation, fraud, moral hazard, mis description as declared in the proposal
willful, participation in an illegal act or any violation or attempted violation of the law. form and/or claim form at the time of claim.
3 4
Unique Identification No.: SHAHLIP21042V012021

► Cancellation/termination: The Company may cancel this policy on grounds of ► Automatic Termination of Insurance: This policy shall automatically terminate upon the
misrepresentation, fraud, moral hazard, non disclosure of material fact as declared in Insured Person's death or on payment of 100% Sum Insured whichever is earlier.
proposal form and/or claim form at the time of claim or non-co-operation of the insured
person, by sending the Insured 15 days notice by registered letter to the Insured person's ► Claim Procedure: For assistance call 24 hours help-line 044-69006900 or Toll Free No.
last known address and no refund of premium will be made. The insured may at any time 1800 425 2255. Senior Citizens may call at 044-40020888
cancel this policy and in such event the Company shall allow refund after retaining Inform the Policy Number for easy reference
premium at Company's short period rate only (table given below) provided no claim has · Duly completed claim form and
occurred up to the date of cancellation
For Death Claims
Short Period Scales · Death Certificate / proof of accident.
· Post-mortem Certificate, if conducted
Policy Term 1 Year
· FIR (wherever required)
Period on risk Rate of premium to be retained · Police Investigation report (wherever required)
· Viscera Sample Report (wherever required)
Up to one month 25% of the policy premium · Forensic Science Laboratory report (wherever required)
Exceeding one month up to 3 months 40% of the policy premium · Legal Heir Certificate
Exceeding 3 months up to 6 months 60% of the policy premium · Succession Certificate (wherever required)
For Disability Claims
Exceeding 6 months up to 9 months 80% of the policy premium · Certificate from Government doctor not below the rank of Civil Surgeon, confirming
Exceeding 9 months Full of the policy premium the disability and its percentage.
Note: KYC (Identity proof with Address) of the proposer, as per AML Guidelines
► The Company: Star Health and Allied Insurance Co. Ltd.., commenced its operations in
Policy Term 2 Years 2006 as India's first standalone Health Insurance Provider. As an exclusive Health Insurer,
the Company is providing sterling service in Health, Personal Accident & Overseas Travel
Period on risk Rate of premium to be retained Insurance and its committed to setting international benchmarks in service and personal
caring.
Up to one month 20% of the policy premium
► Star Advantages:
Exceeding one month up to 3 months 30% of the policy premium · No Third Party Administrator, direct in-house claims settlement.
Exceeding 3 months up to 6 months 40% of the policy premium · Faster and hassle – free claim settlement.
Exceeding 6 months up to 9 months 50% of the policy premium · Cashless facility wherever possible in network hospitals.
► Prohibition of Rebates: Section 41 of Insurance Act 1938 (Prohibition of rebates): No person
Exceeding 9 months up to 12 months 60% of the policy premium shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take
Exceeding 12 months up to 15 months 70% of the policy premium out or renew or continue an insurance in respect of any kind of risk relating to lives or property
in India, any rebate of the whole or part of the commission payable or any rebate of the
Exceeding 15 months up to 18 months 80% of the policy premium premium shown on the policy, nor shall any person taking out or renewing or continuing a
Exceeding 18 months up to 21 months 90% of the policy premium policy accept any rebate, except such rebate as may be allowed in accordance with the
published prospectuses or tables of the insurer: Any person making default in complying with
Exceeding 21 months Full of the policy premium the provisions of this section shall be liable for a penalty which may extend to ten lakh rupees.
5 6
 The information provided in this brochure is only indicative. For more details
on the risk factors, terms and conditions, please read the policy wordings
before concluding sale
Or
Visit our website www.starhealth.in

“IRDAI IS NOT INVOLVED IN ACTIVITIES LIKE SELLING

INSURANCE POLICIES, ANNOUNCING BONUS OR INVESTMENT
OF PREMIUMS. PUBLIC RECEIVING SUCH PHONE CALLS ARE
REQUESTED TO LODGE A POLICE COMPLAINT” Safety rst!
Family Accident Care Insurance Policy is the best
Family Accident Care Insurance Policy
Unique Identification No.: SHAHLIP21042V012021

Buy this Insurance Online at www.starhealth.in

Family Accident Care
Insurance Policy
Insurance is the subject matter of solicitation

BRO / FAC / V.4 / 2023

Regd. & Corporate Office: No.1, New Tank Street,

Valluvar Kottam High Road, Nungambakkam, Chennai - 600 034.
Customer Care Number: 044 69006900 | Toll free: 1800 425 2255
Chat: +91 9597652225 | sms: STAR to 56677 | Email: [email protected]
CIN: L66010TN2005PLC056649 | IRDAI Regn. No: 129