Family Accident Care
Aaj ke fast-paced life me accident ka risk har kisi ke life ka ek part ban gaya hai. Chaahe aap daily office ja rahe ho, travel kar rahe ho ya ghar ke aas-paas kaam kar rahe ho — accidents kabhi bhi ho sakte hain. Isi risk ko samajhte hue Star Health and Allied Insurance Company ne ek powerful aur protection-oriented plan launch kiya hai — Star Family Accident Care Plan.
Yeh plan specially design kiya gaya hai taaki aap aur aapke family members ko accidental injuries, disability, ya unfortunate death ke case me financial protection mil sake. Chaliye detail me samajhte hain is plan ke features, benefits, aur kyu yeh har family ke liye ek zaroori cover hai.
🌟 1. Overview of Star Family Accident Care Plan
Star Family Accident Care Plan ek comprehensive personal accident insurance policy hai jo pure family ke liye protection offer karti hai. Iska main focus hai — accident ke baad hone wale financial losses ko cover karna. Agar policyholder ya insured member accident me injury, disability, ya death face karta hai, toh policy ek pre-defined sum insured ke hisaab se claim amount provide karti hai.
Yeh policy individual aur family dono type ke basis par li ja sakti hai. Family version me aap khud, aapke spouse, dependent parents aur children ko cover kara sakte hain.
🛡️ 2. Major Benefits of the Plan
✅ Accidental Death Benefit
Agar insured person ki accidental death hoti hai, toh nominee ko full sum insured ka payout milta hai. Yeh benefit family ke financial stability ko ensure karta hai.
✅ Permanent Total Disability Benefit
Agar insured person kisi major accident ke baad permanently disabled ho jata hai (jaise dono pair ya dono haath ka loss), toh bhi full sum insured diya jata hai.
✅ Permanent Partial Disability Benefit
Agar insured person partial disability suffer karta hai (jaise ek haath ya ek pair ka loss), toh proportionate sum insured diya jata hai.
✅ Temporary Total Disability Benefit
Agar aap temporarily kaam karne layak nahi rahte, toh weekly income replacement benefit milta hai — taaki aap apne daily expenses ko manage kar sakein.
✅ Education Grant for Children
Agar insured ki accidental death ya total permanent disability hoti hai, toh unke dependent children ke education ke liye extra financial help milti hai.
✅ Transportation & Repatriation Expenses
Accident ke baad mortal remains ko ghar tak lane ke kharche ko bhi yeh policy cover karti hai.
💰 3. Sum Insured Options
Star Family Accident Care Plan me multiple sum insured options available hain — ₹5 lakh se le kar ₹1 crore tak. Aap apne income aur family need ke hisaab se sum insured choose kar sakte hain.
Policy me har member ka separate sum insured assign kiya ja sakta hai, ya ek floater sum insured bhi choose kar sakte ho jisse poori family cover hoti hai.
👨👩👧👦 4. Who Can Be Covered?
Proposer/Insured: 18 to 65 years
Children: 5 months to 25 years (dependent)
Family Members: Spouse, dependent parents, dependent children
Yani yeh ek pure family protection plan hai jo har generation ke liye financial safety ensure karta hai.
🩹 5. Coverage Structure
Policy ke andar coverage 3 sections me divided hai:
Section 1: Basic Cover
Includes Accidental Death, Permanent Total Disability, Permanent Partial Disability.
Section 2: Optional Cover – Temporary Total Disability
Weekly benefit diya jata hai agar insured temporarily kaam karne ke layak nahi rahe.
Section 3: Educational Grant
Child ke education ke liye additional protection.
📅 6. Policy Term and Renewal
Policy duration: 1 year (renewable every year)
Lifetime renewability available
Grace period: 30 days from the date of expiry
No medical checkup required up to certain age (depending on sum insured)
🏥 7. Additional Highlights
Worldwide Coverage: Accident kahin bhi ho, India ke bahar bhi, coverage milta hai.
No Medical Test (T&C): Low sum insured me pehle se health test ki zarurat nahi.
Easy Claim Process: Star Health ka claim settlement process bahut fast aur transparent hai.
Tax Benefit: Premium par aapko Income Tax Act ke Section 80D ke under tax benefit milta hai.
⚙️ 8. Example Scenario
👉 Example 1:
Mr. Ajay ne ₹25 lakh ka Family Accident Care Plan liya hai. Agar unka accident hone ke baad unfortunate death hoti hai, toh unke nominee ko ₹25 lakh milenge.
👉 Example 2:
Agar unka ek leg fracture hone ke baad 2 mahine ke liye kaam karna possible nahi hai, toh policy unhe weekly income benefit degi taaki ghar ke kharche chalte rahein.
💡 9. Why Choose Star Family Accident Care Plan?
Complete Family Cover: Ek policy me sab members safe.
Affordable Premium: Low premium me high coverage.
Comprehensive Protection: Death, disability aur income loss sab cover.
Quick Claim Settlement: 90% se zyada claims timely settle.
Trusted Brand: Star Health India ke top health insurers me se ek hai.
📝 10. Exclusions (Jo cover nahi hote)
Self-inflicted injuries (suicide attempt)
Alcohol or drug influence ke under hone wale accident
War, terrorism ya nuclear risks
Participation in adventure sports (agar cover na liya ho)
Criminal acts ke dauraan hone wala injury
💬 11. Final Thoughts
Star Family Accident Care Plan ek family safety net jaisa hai — jo har situation me aapke sath khada rahta hai. Accidental emergencies me sirf emotional trauma nahi, balki financial crisis bhi hota hai. Isliye ek sahi accident insurance lena har responsible person ke liye zaruri hai.
Yeh plan simple, affordable aur practical hai — chaahe aap salaried ho, business person ya homemaker. Ek small premium ke badle aap apne poore family ke future ko secure kar sakte hain.
🌈 Tagline Suggestion
“Accident kabhi bhi ho sakta hai… par Star Family Accident Care Plan ke sath zindagi kabhi rukti nahi!”