Accident Care

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Zindagi unpredictable hai, aur accident kab, kahan, aur kaise ho jaaye — koi nahi jaanta. Ek chhoti si galti, ek moment ka delay, ya doosre ke fault ki wajah se bhi hamari life puri tarah badal sakti hai. Isi uncertainty ke protection ke liye bana hai Star Health Insurance Accident Care Plan, jo aapko aur aapke parivaar ko provide karta hai financial suraksha har chhoti-badi accidental emergency ke time par.

💡 Plan ka main purpose

Star Accident Care Plan ka main purpose hai aapke family ko financial loss se protect karna jo kisi bhi accidental injury, disability, ya death ke baad ho sakta hai. Accident ke baad hospital bills, income loss, aur future financial commitments sambhalna mushkil hota hai — aur ye plan exactly isi problem ka solution hai.

🛡️ Key Features of Star Health Accident Care Plan

1. Accidental Death Benefit
   Agar policyholder ki unfortunate accidental death hoti hai, toh poora sum insured nominee ko milta hai. Ye benefit family ke liye ek financial lifeline ban jaata hai jab unhe sabse zyada zarurat hoti hai.

2. Permanent Total Disability (PTD) Cover
   Accident ke baad agar insured person permanently disabled ho jaata hai (jaise dono pair, dono haath, ya aankhon ki roshni chali jaaye), toh full sum insured diya jaata hai. Ye amount future ke liye ek strong financial backup deta hai.

3. Permanent Partial Disability (PPD) Cover
   Agar accident ke baad insured person partial disability face karta hai — jaise ek haath ya ek pair ka loss — toh proportionate compensation diya jaata hai. Isse daily life aur treatment expenses cover ho jaate hain.

4. Temporary Total Disability (TTD) Benefit
   Accident ke baad agar insured person kuch time ke liye kaam karne mein asamarth ho jaata hai, toh har week ek fixed amount (weekly benefit) diya jaata hai jab tak wo recover nahi kar leta.

5. Hospitalization Benefit
   Accident ke baad agar hospital admission zaruri ho, toh hospitalization expenses cover hote hain — including room rent, ICU charges, medicines, doctor fees, aur surgical procedures.

6. Transportation of Mortal Remains
   Agar insured person ki accidental death hoti hai, toh uske mortal remains ko ghar tak lane ke liye transportation charges cover kiye jaate hain.

7. Educational Benefit for Children
   Accident ke baad agar policyholder ki death ya permanent disability hoti hai, toh uske bacchon ke education ke liye special financial assistance milta hai. Ye benefit ensure karta hai ki bacchon ki padhai par koi effect na aaye.

8. Family Protection Options
   Is plan ko individual ya family dono ke liye choose kiya ja sakta hai. Aap apne spouse aur dependent bacchon ko bhi include kar sakte hain.

🧾 Eligibility & Policy Details

• Entry Age: 18 years se lekar 65 years tak.

• Dependent Children: 5 se 25 years tak include kiye ja sakte hain.

• Policy Term: 1 year / 2 years / 3 years ke options available.

• Renewal: Lifetime renewable policy hai.

• Sum Insured Options: ₹5 lakh se lekar ₹50 lakh tak choose kar sakte hain.

💰 Premium & Payment Options

Star Health Accident Care Plan ka premium affordable hai aur depend karta hai aapke sum insured aur selected coverage options par. Aapko monthly, quarterly, half-yearly aur annual premium payment ke options milte hain.

Ek example: Agar aap ₹10 lakh ka cover choose karte hain, toh annual premium ₹1,000–₹1,800 ke beech hota hai (age aur occupation ke hisaab se).

⚕️ What is Covered (Inclusions)

• Death due to accident

• Permanent total disability

• Permanent partial disability

• Temporary total disability

• Hospitalization due to accident

• Transportation of dead body

• Education grant for dependent children

• Family protection benefit

• Medical expenses related to accident injuries

🚫 What is Not Covered (Exclusions)

• Non-accidental death or illness

• Suicide or self-inflicted injuries

• Accident while under influence of alcohol or drugs

• War, terrorism, or nuclear-related injuries

• Participation in hazardous sports without prior declaration

• Pre-existing disabilities before policy start date

🧠 Why Choose Star Health Accident Care Plan?

1. Trusted Brand:
   Star Health Insurance is one of India’s most trusted and leading health insurers with crores of satisfied customers.

2. Quick Claim Settlement:
   Fast and hassle-free claim process with 24×7 customer support and dedicated claim assistance.

3. Wide Hospital Network:
   14,000+ network hospitals across India for cashless treatment.

4. Flexible Coverage:
   Customize coverage as per your need — individual ya family floater dono options available.

5. Affordable Premium:
   Accidental cover ke liye market me sabse cost-effective options me se ek.

6. High Sum Assured Options:
   ₹50 lakh tak ka protection available hai — ensuring strong financial backup for your family.

💬 Example to Understand:

Man lijiye Mr. Ajay (age 35) ek private employee hain aur ₹20 lakh ka Accident Care policy lete hain.
Agar unhe ek major accident hota hai jisse unke dono pair damage ho jaate hain aur wo permanently disabled ho jaate hain, toh Star Health unhe ₹20 lakh ka lump-sum payout karega.

Agar same policyholder unfortunately expire ho jaate hain due to accident, toh ₹20 lakh ka amount unke nominee (family) ko milta hai.
Iske alawa agar unke 2 bacche hain, toh unke liye education grant bhi diya jaata hai.

Yani ek policy se aap apne pure parivaar ke future ko financially secure kar sakte hain.

💡 Important Benefits in Simple Terms

• Pure accidental coverage (worldwide)

• No medical test required (for basic coverage)

• 24×7 assistance & cashless claim facility

• Renewal discount benefits

• Easy online policy purchase & renewal

• Tax benefit under Section 80D of the Income Tax Act