1. STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED
PERSONAL & CARING
S.V.NANDAGOPAL
SENIOR SALES MANAGER
STAR HEALTH & ALLIED INSURANCE CO.LTD
THANKS FOR OPPORTUNITY TO
SERVE
WE ARE ONE OF THE LEADING INSURANCE & INVESTMENT
CONSULTANT IN COIMBATORE SINCE 2000
MOBILE
99949 10202, 94431 86864,83000 20102
Email licnanda@gmail.com,starhealthwithu@gmail.com
www.licnanda.blogspot.com

2. STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED
PERSONAL & CARING
Accident Care

3. STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED
PERSONAL & CARING
Accident Means
Not only Road/Rail or Air Travel accidents but also includes
• Accidental Fall
• Electric Shock
• Snake Bite
• Drowning in Water
Covers
Accidental Death
Disablement
Age Limits
Available for Persons aged between 18 years and 70 years.
Children from 3 years can be covered under family package when at least any
one of the parents are covered.

4. STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED
PERSONAL & CARING
Table of Benefits
Table I Death Cover Only
Table II Death
+
Permanent Total Disablement (PTD)
+
Permanent Partial Disablement (PPD)
Table III Death
+
Permanent Total Disablement (PTD)
+
Permanent Partial Disablement (PPD)
+
Temporary Total Disablement (TTD)

5. STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED
PERSONAL & CARING
Table I : Accidental Death
Covers Death of the Insured Person
Death occurring within 12 Months from the date of Accident
Compensation payable is 100% of Capital Sum Insured
Table II : Accidental Death + PTD + PPD
Death Cover - As per Table I
Disablement cover
The disablement should occur within 12 Calendar months from the date of the
Accident
The disablement is confirmed and claimed for, prior to the expiry of a period of
60 days since occurrence of the disablement

6. STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED
PERSONAL & CARING
Table II : Percentage of Compensation Payable
Benefits Benefits Percentage of Sum Insured
1. Death
2. Permanent Total Disablement
Total and irrevocable loss of
a. Sight of both eyes
b. Physical separation of two
entire hands
c. Physical separation of two
entire foot
d. One entire hand and one entire
foot
e. Sight of one eye and loss of one
hand
f. Sight of one eye and loss of one
entire foot
100%
150%
150%
150%
150%
150%
150%
100%

7. STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED
PERSONAL & CARING
Table II : Percentage of Compensation Payable (contd.)
Benefits Benefits Percentage of Sum Insured
g. Use of two hands
h. Use of two foot
i. Use of one hand and one foot
j. Sight of one eye and use of one
hand
k. Sight of one eye and use of one
foot
l. Sight of one eye
m. Physical separation of one
entire hand
n. Physical separation of one
entire foot
o. Use of one hand without
physical separation
p. Use of one foot without physical
separation
100%
100%
100%
100%
100%
50%
50%
50%
50%
50%

8. STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED
PERSONAL & CARING
Table II : Percentage of Compensation Payable (contd.)
BENEFITS Percentage of Sum Insured
Loss of toes – all
Great - both phalanges
Great - one phalanx
Other than Great, if more than
One toe lost – for each toe
Loss of hearing - both ears
Loss of hearing - one ear
Loss of four fingers and thumbs of One hand
Loss of four fingers
Loss of thumb - both phalanges
- One phalanx
Loss of index finger - three phalanges
- Two phalanges
- One Phalanx
20
5
2
1
75
30
40
35
25
10
10
8
4

9. STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED
PERSONAL & CARING
Table II : Percentage of Compensation Payable (contd.)
BENEFITS Percentage of Sum
Insured
Loss of middle finger - Three phalanges
- Two phalanges
- One phalanx
Loss of ring finger - Three phalanges
- Two phalange
- One phalanx
Loss of little finger - three phalanges
- Two phalanges
- One phalanx
Loss of metacarpals - first or second (Additional)
Third, fourth or Fifth (Additional)
Any other permanent partial disablement
6
4
2
5
4
2
4
3
2
3
2
Percentage as assessed by
the panel Doctor of the
Company

10. STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED
PERSONAL & CARING
Table III - Accidental Death+PTD+PPD+TTD
Death Cover - As per Table I
Death+PTD+PPD Cover- As per Table II
TTD Cover
• Weekly compensation @ 1% of the Sum Insured not exceeding Rs. 5000 per
week
Capital Sum Insured - Maximum Limit
TABLE I - 150Times of monthly income
TABLE II - 120 Times of monthly income
TABLE III - 50 Times of monthly income max. of 5 Laks
(Table III cover can be given only with the approval of Corporate Office)

11. STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED
PERSONAL & CARING
Risk Groups
Risk Group I Persons engaged primarily in administrative functions
Risk Group II Persons engaged in manual work other than what is
specifically provided under Group III
Risk Group III Persons working in explosives industry, mine and / or
magazine workers, high tension supply, horse racing
including jockeys, athletes and occupations of similar
hazard.

12. STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED
PERSONAL & CARING
Premium Rating
COVERAGE / RISK
GROUP
GROUP 1 GROUP 2 GROUP 3
Table I 0.45 0.60 0.80
Table II 0.80 1.30 1.75
Table III 1.25 1.75 2.00
Note: Rate provided is “Per Mille” i.e., Per Thousand

13. STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED
PERSONAL & CARING
Additional Benefits
Educational Grant – Rs.5000 per Child below 18 years maximum Rs.10000
Transportation of Mortal Remains – Rs.3000 if Accident outside the place of
Residence
Travel Expenses for Relative – Actual Travel Expenses, maximum of Rs.1000
(Relative means spouse, children, parents, siblings or in-laws)
Group Discount
Group Discount Applicable to Accident Care (Group) Policies
Group Size Discount on Premium
2 – 100 5%
101 – 1000 10%
1001 – 5000 12.5%
5001 – 10000 15%
Above 10000 20%

14. STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED
PERSONAL & CARING
Medical Expenses Extension
ADDITIONAL PREMIUM - 10%
COVERAGE
25% of valid claim under P.A. or the Actual Medical Expenses incurred
because of Accident, which ever is less subject to a maximum of 10% of
Capital Sum Insured.
Restricted Cover
On-duty cover : @75% of Applicable Premium
Off-duty Cover : @50% of Applicable Premium
Cumulative Bonus
Applicable for Death and PTD cover only.
5 % increase in Capital Sum Insured for every claim free year.
Maximum 50 %.
In the event of a Claim
 Two Steps back i.e. 10%

15. STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED
PERSONAL & CARING
Documents required for granting Cumulative Bonus
(a) Renewal Notice with Cumulative Bonus details
• Cumulative Bonus as shown in the Renewal Notice is given
(b) No Renewal Notice or Renewal Notice without Cumulative Bonus details
• Cumulative Bonus as shown in the Previous Policy is given
• If a declaration stating No Claim under the expiring policy is obtained from
the insured, eligible Cumulative Bonus will be given
Note: To obtain the above mentioned benefits there should be a
continuous renewal without break.

16. STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED
PERSONAL & CARING
Major Exclusions
Any Claim,
In Respect of Pre Existing Conditions.
If the Insured acts against the advice of the Physician.
Whilst under the influence of intoxicating liquor or drugs.
Arising out of mental diseases, suicide or attempted suicide, self inflicted
injuries or sexually transmitted conditions, anxiety, etc.
Due to participation in hazardous sport / activities.
By persons who are physically and mentally challenged unless specifically
agreed and endorsed in the policy.
Note: For a detailed list kindly refer the policy conditions.

17. STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED
PERSONAL & CARING
Claims Procedure
Document to be submitted in case of Death Claims
Completed Claim form
Death certificate, Panchanama
FIR, wherever applicable
Postmortem report
In the absence of assignment, Legal Heir ship Certificate/Succession
Certificate / Will duly probated
Original Policy, if issued for Individual
Coroner’s Report/Police Inquest Report
Document to be submitted in case of Disablement Claims
Original Policy
Disability Certificate from the attending Doctor confirming the %age of
disability.
Photo of the person indicating the disability.
Completed claim form
FIR, Wherever applicable
Employer’s Certificate for the period of absence from duty (for TTD Claims)

18. STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED
PERSONAL & CARINGFHO-rev2014/cpu/ver1.4/16 Oct 2014 18
• ALSO WE PROVIDE
• LIFE INSURANCE
• HEALTH INSURANCE
• CHILD FUTURE PLANS
• TAX SAVING & PLANNING
• PAN CARD & PASSPORT
• MOTOR VEHICLE INSURANCE
• IMPORT & EXPORT INSURANCE
• INDIVIDUAL,FAMILY,GROUP &
CORPORATE INSURANCE NEEDS

19. STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED
PERSONAL & CARING