STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED

Regd. & Corporate Office: 1, New Tank Street, Valluvar Kottam High Road, Nungambakkam,
Chennai - 600 034. « Phone : 044 - 28288800 « Email : [email protected]
Website : www.starhealth.in « CIN : L66010TN2005PLC056649 « IRDAI Regn. No. : 129

Kind Attention: Policyholder

Please check whether the details given by you about the insured persons in the proposal form (a copy of which was provided at the
time of issuance of cover for the first time) are incorporated correctly in the policy schedule. If you find any discrepancy, please inform
us within 15 days from the date of receipt of the policy, failing which the details relating to the person/s covered would be taken as
correct.
So also the coverage details may also be gone through and in the absence of any communication from you within 15 days from the
date of receipt of this policy, it would be construed that the policy issued is correct and the claims if any arise under the policy will be
dealt with based on proposal / policy details.

Customer Information Sheet - Accident Care Individual Insurance Policy

Unique Identification No.: IRDAI/HLT/SHAI/P-P/V.III/134/2017-18

Title Description
SI. Refer to Policy
No. Clause Number
Product Name Accident Care Individual Insurance Policy

a. Table A Benefit: Accidental death Table A

What am I
1 b. Table B Benefit: Accidental Death/Permanent disablement arising out of accident Table B (1 and 2)
covered for
c. Table C Benefit: Accidental Death/Permanent Disablement /Temporary total disablement arising out of accident Table C (1,2 and 3)

a. Educational Grant: Rs.10,000/- for one dependent child and Rs.20,000/- for two dependent child III (1)
b. Ambulance Charges / Transportation expenses of Mortal Remains: lump sum of Rs.5,000/- for either ambulance charges or
III (2)
transportation of mortal remains to his/her place of residence
c. Travel expenses for one relative: 1% of the Total sum insured Up to Rs. 50,000/- for the transport expenses to one relative
III (3)
towards the death of the Insured Person
Extended d. Vehicle and/or Residence Modification: 10% of the Table B and Table C sum insured subject to maximum of Rs.50,000/-towards
2
Coverage modification of insured person’s residential accommodation or vehicle modification where there is an admissible claim under III (4)
Permanent Total Disability.
e. Purchase of Blood: The company will pay up to 5% of the sum insured under relevant table/tables opted subject to a maximum of
III (5)
Rs.10,000/- whichever is less towards expenses incurred in purchasing of blood.
f. Transportation of Imported Medicines: The Company will pay upto 5% of Total sum insured subject to a maximum of Rs.20,000/-
III (6)
towards the expenses incurred on freight charges for importing medicines to India
a. Medical Expenses Extension Due to Accident: Company will pay amount up to 25% of the valid claim or 10% of the Total sum
insured or actual whichever is less, subject to a overall limit of Rs.5,00,000/- per policy period towards medical expenses incurred IV (a)
as an In-patient and as an Out-Patient, provided there is a valid claim under the policy.
Optional
3 b. Hospital Cash: Cash Benefit of Rs.1,000/- for each completed day of Hospitalization(excluding date of admission and date of
Benefits IV (b)
discharge) arising out of Accident subject to a maximum of 15 days per occurrence and 60 days per policy period
c. Home Convalescence: The company will pay Rs.500/- for each completed day subject to a maximum of 15 days peroccurrence
IV (c)
and 60 days per policy period towards engaging one attendant at residence after discharge from hospital.
i. All Pre-existing conditions VI (3)

What are the ii Intentional self injury and use of intoxicating drugs/alcohol/HIV or AIDS VI (4), VI (5)
Major
4 iii War, Biological nuclear and chemical terrorism and nuclear perils VI (7), VI (9)
Exclusions
in the policy iv Engaging in Hazardous sports/activities VI (11)

The exclusions given above are only a partial list. Please refer the policy clause for the complete list.
No waiting periods
Waiting Initial Waiting Period
5 applicable
Periods Specific Waiting Period
for this policy
Fixed amount on the occurrence of a covered event:

Accidental Death Table A

Payment Basis Accidental Death/Permanent disablement arising out of accident Table B

6
– Benefit Basis Accidental Death/Permanent Disablement /Temporary total disablement arising out of accident Table C

Educational Grant III (1)

Ambulance Charges/Transportation expenses of Mortal Remains III (2)

Accident Care Individual Insurance Policy Unique Identification No.: IRDAI/HLT/SHAI/P-P/V.III/134/2017-18 POL / ACI / V.11 / 2023 1 of 8
 SI. Product Refer to Policy
Description
No. Name Clause Number

Travel Expenses for one relative III (3)

Hospital Cash IV (b)

Vehicle and/or Residence modification III (4)

Payment Basis
7 – Indemnity Purchase of Blood III (5)
Basis
Transportation of Imported medicine III (6)

Medical expenses extension IV (a)

Home Convalescence IV (c)

No cost sharing
8 Loss Sharing In case of a claim, this policy required you to share the costs applicable
for this policy

Renewal Life long renewal subject to payment of renewal premium in full before the due date
9 VIII (11)
Conditions Grace period of 30 days for renewing the policy is provided
Renewal
10 Cumulative Bonus : Payable for Accidental Death or Permanent total disablement V
Benefits
Policy can be cancelled on grounds of misrepresentation, fraud, moral hazard, non disclosure of material fact as declared in proposal
11 Cancellation form / at the time of claim, or non-co-operation by the insured person, by sending the insured 30 days notice without refund of VIII (8)
premium
For Cashless Service:
12 Claims VII (1)
For Reimbursement of claim:
Servicing /
13 Grievances / Company Officials IRDAI/(IGMS/Call Centre) Ombudsman VIII (16)
Complaints
Free Look VIII (5)

Implied renewability VIII (11)

Insured’s
14 Migration and Portability Not Applicable
Rights
Increase in SI during policy term Not Applicable

Turn Around Time (TAT) for issue of Pre-Auth and Settlement of Reimbursement VII (1)

Insured’s Please disclose all pre-existing disease/s or condition/s before buying a policy. Non disclosure may result in claim not being paid VIII (1)
15
Obligations Disclosure of Material Information during the policy period such as change in occupation VIII (3)

LEGAL DISCLAIMER NOTE: The information must be read in conjunction with the product brochure and policy document. In case of any conflict between the Customer
Information Sheet and the policy document, the terms and conditions mentioned in the policy document shall prevail

Accident Care Individual Insurance Policy Unique Identification No.: IRDAI/HLT/SHAI/P-P/V.III/134/2017-18 POL / ACI / V.11 / 2023 2 of 8
 STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED
Regd. & Corporate Office: 1, New Tank Street, Valluvar Kottam High Road, Nungambakkam,
Chennai - 600 034. « Phone : 044 - 28288800 « Email : [email protected]
Website : www.starhealth.in « CIN : L66010TN2005PLC056649 « IRDAI Regn. No. : 129

ACCIDENT CARE INDIVIDUAL INSURANCE POLICY

Unique Identification No.: IRDAI/HLT/SHAI/P-P/V.III/134/2017-18

PREAMBLE SPECIFIC DEFINITIONS

Age: Age means the age of the insured person on his/her completed years as recent
The proposal, declaration and other documents if any given by the proposer form the basis
of this policy of insurance. birthday as per the English Calendar.

The Company by this Policy agrees, subject to the terms and conditions as set out in the Capital sum insured: Capital sum insured means the sum insured as specified in the
Schedule with all its Parts, that on proof to the satisfaction of the Company, of the Schedule of this Policy and the Cumulative Bonus as shown in the Schedule.
compensation having become payable, as set out in the Schedule, upon the happening of Company: Company means Star Health and Allied Insurance Company Limited.
an event, to pay the Sum Insured/ appropriate Benefit.
Covered Medical Expenses: Covered Medical Expenses means reasonable charges,
I. DEFINITIONS OF WORDS AND EXPRESSIONS whether as an In Patient or an out Patient, which is usually and customarily incurred for
services and supplies for any Accident to the Insured Person, covered under the policy.
In this Policy, the following words and expressions shall have the following meanings, as
set forth, unless the context otherwise requires: Dependent Child: Dependent Child means a child (natural or legally adopted), who is
STANDARD DEFINITIONS financially dependent on the primary insured or proposer and does not have his / her
independent sources of income.
Accident: An accident means sudden, unforeseen and involuntary event caused by
external, visible and violent means. Family: Family means Insured Person, spouse, dependent children between 5 months
and 25 years of age.
Condition Precedent: Condition Precedent means a policy term or condition upon which
the Insurer's liability under the policy is conditional upon. Grievous Injury: Grievous Injury means emasculation, permanent privation of the sight of
either eye, permanent privation of hearing of either ear, privation of any member or joint,
Cumulative Bonus: Cumulative Bonus means any increase or addition in the Sum
destruction or permanent impairing of the powers of any member or joint, permanent
Insured granted by the insurer without an associated increase in premium.
disfiguration of head or face, fracture or dislocation of a bone or tooth.
Disclosure to information norm: The policy shall be void and all premium paid thereon
shall be forfeited to the Company in the event of misrepresentation, mis-description or non- Hazardous Sport / Hazardous Activities: Hazardous Sport / Hazardous Activities means
disclosure of any material fact. engaging whether professionally or otherwise in any sport or activity, which is potentially
dangerous to the Insured Person (whether trained, or not). Such Sport/Activity including
Grace Period: Grace period means the specified period of time immediately following the but not limited to Winter sports, Ice hockey, Skiing, Skydiving, Parachuting, Ballooning,
premium due date during which a payment can be made to renew or continue a policy in Scuba Diving, Bungee Jumping, Mountain Climbing, Riding or Driving in Races or Rallies,
force without loss of continuity benefits such as waiting periods and coverage of pre-existing caving or pot holing, hunting or equestrian activities, diving or under-water activity, rafting
diseases. Coverage is not available for the period for which no premium is received. or canoeing involving rapid waters, yachting or boating outside coastal waters, jockeys,
Hospital: A hospital means any institution established for in-patient care and day care horseback, Polo, Circus personnel, army/navy/air force personnel and policemen whilst on
treatment of illness and/or injuries and which has been registered as a hospital with the duty, persons working in underground mines, explosives, magazines, workers whilst
local authorities under Clinical Establishments (Registration and Regulation) Act 2010 or involved in electrical installation with high-tension supply, nuclear installations, handling
under enactments specified under the Schedule of Section 56(1) of the said act Or hazardous chemicals.
complies with all minimum criteria as under:
i) has qualified nursing staff under its employment round the clock; Insured Person: Insured Person means the name/s of persons shown in the schedule of
the Policy.
ii) has at least 10 in-patient beds in towns having a population of less than 10,00,000 and
at least 15 in-patient beds in all other places; Policy: Policy means the insurance contract, the Policy Schedule and any other
iii) has qualified medical practitioner(s) in charge round the clock; endorsements riders and any other attached enrollment forms.
iv) has a fully equipped operation theatre of its own where surgical procedures are Relative: Relative means spouse, children, parents, siblings or in-laws.
carried out;
Sum insured: Sum insured means the amount of insurance for each table for which the
v) maintains daily records of patients and makes these accessible to the insurance
premium is paid.
company's authorized personnel;
Standard type aircraft / Sea Craft: Standard type aircraft / Sea Craft means an aircraft /
Injury: Injury means accidental physical bodily harm excluding illness or disease solely
sea-craft duly licensed to carry passengers (for hire or otherwise) by appropriate authority
and directly caused by external, violent, visible and evident means which is verified and
certified by a Medical Practitioner. irrespective of whether such an aircraft is privately owned or charted or operated by a
regular airline.
Medical Expenses: Medical Expenses means those expenses that an Insured Person
has necessarily and actually incurred for medical treatment on account of Illness or Temporary Total Disablement: Temporary Total Disablement means the Insured Person
Accident on the advice of a Medical Practitioner, as long as these are no more than would is totally disabled from engaging in any occupation or business for a temporary period
have been payable if the Insured Person had not been insured and no more than other following a Grievous injury arising solely and directly from an accident.
hospitals or doctors in the same locality would have charged for the same medical
treatment. II. SCOPE OF COVER
The Company hereby agrees, subject to the terms, conditions and exclusions herein
Medical Practitioner: Medical Practitioner means a person who holds a valid registration
from the Medical Council of any State or Medical Council of India or Council for Indian contained or otherwise expressed herein, to pay to the Insured person or his nominees or
Medicine or for Homeopathy set up by the Government of India or a State Government and his legal heirs, a sum as compensation for any loss occurring during the Period of
is thereby entitled to practice medicine within its jurisdiction; and is acting within its scope Insurance as described under different sections hereunder and as specified in the
and jurisdiction of license. Schedule to the Policy.

Pre-Existing Disease: Pre-existing Disease means any condition, ailment, injury or disease: Table-A – ACCIDENTAL DEATH: If at any time during the Period of Insurance, the Insured
a) That is/are diagnosed by a physician within 48 months prior to the effective date of the Person shall sustain any bodily injury resulting solely and directly from Accident caused by
policy issued by the insurer or its reinstatement external, violent and visible means and such accident causes death of the Insured Person
or within 12 Calendar months from the date of Accident, then the Company will pay an amount
b) For which medical advice or treatment was recommended by, or received from, a as compensation 100% of the Capital Sum Insured.
physician within 48 months prior to the effective date of the policy issued by the insurer Table-B – ACCIDENTAL DEATH AND PERMANENT DISABLEMENT: If the Insured
or its reinstatement Person meets with an Accident, which leads to disablement or subsequent death, the
Reasonable and Customary Charges: Reasonable and Customary charges means the Company will provide insurance coverage to the Insured in the following manner;
charges for services or supplies, which are the standard charges for the specific provider 1. Accidental Death of Insured Person: If following an Accident that causes death of
and consistent with the prevailing charges in the geographical area for identical or similar the Insured Person within 12 Calendar months from the date of Accident, then the
services, taking into account the nature of the illness / injury involved. Company will pay an amount as compensation 100% of the Capital Sum Insured
Accident Care Individual Insurance Policy Unique Identification No.: IRDAI/HLT/SHAI/P-P/V.III/134/2017-18 POL / ACI / V.11 / 2023 3 of 8
2. Permanent disablement of the Insured Person: If following an Accident which c) Any claim arising out of an accident related to pregnancy or childbirth, infirmity,
caused permanent impairment of the Insured's mental or physical capabilities, then whether directly or indirectly.
the Company will pay the benefits as provided in the Table of Benefits B1 or Table of d) Any exclusion mentioned in the 'General Exclusions' of this Policy.
Benefits B2 mentioned herein, depending upon the degree of disablement provided
that; III. ADDITIONAL BENEFITS
a) The disablement occurs within 12 Calendar months from the date of the Accident
1. EDUCATIONAL GRANT: The Company will pay as hereinafter mentioned
b) The disablement is confirmed and claimed for, prior to the expiry of a period of
Following an admissible claim under the policy towards Death/ Permanent Total
60 days since occurrence of the disablement
Disability of the insured person, Educational Grant for a maximum of two dependent
c) Where a covered Accident results in Permanent Disablement falling under Table
children of the Insured, as mentioned below;
of benefits B1 (Permanent Total Disablement) and under Table of benefits B2
i. If the Insured Person has one dependent child below the age of 18 years, an
(Permanent Partial Disablement) then the higher percentage of the sum insured
amount of Rs.10,000/- is payable
will be paid
ii. If the Insured Person has more than one dependent child below the age of
Table-C – ACCIDENTAL DEATH, PERMANENT DISABLEMENT AND TEMPORARY 18 years an amount of Rs.10,000/- per child but in any case not more than
TOTAL DISABLEMENT: (WEEKLY COMPENSATION) Rs.20,000/-
1. Accidental Death of Insured Person: If following an Accident that causes death of This grant is payable in addition to the sum insured.
the Insured Person within 12 Calendar months from the date of Accident, then the
Company will pay an amount as compensation 100% of the Capital Sum Insured. 2. AMBULANCE CHARGES / TRANSPORTATION EXPENSES OF MORTAL
2. Permanent disablement of the Insured Person: If following an Accident which REMAINS: Following an admissible claim under the policy due to an Accident outside
caused permanent impairment of the Insured's mental or physical capabilities, then the place of the insured's residence, the Company shall pay during the policy period.
the Company will pay the benefits as provided in the Table of Benefits B1 (Permanent Either
Total Disablement) or Table of Benefits B2 (Permanent Partial Disablement) a) Towards ambulance charges for emergency treatment to go to the hospital in
mentioned herein depending upon the degree of disablement provided that; case of injury
a) The disablement occurs within 12 Calendar months from the date of the Accident Or
b) The disablement is confirmed and claimed for, prior to the expiry of a period of in case of Death
60 days since occurrence of the disablement b) Towards transportation of the mortal remains of the insured person (including the
c) Where a covered Accident results in Permanent Disablement falling under Table cost of embalming and coffin charges) to the residence of the insured
of benefits B1 (Permanent Total Disablement) and under Table of benefits B2 The limit of Company's liability towards either Ambulance charges or
(Permanent Partial Disablement) then the higher percentage of the sum insured Transportation of mortal remains is Rs.5,000/- only during the policy period. This
will be paid lump sum amount is payable in addition to the sum insured.
3. Temporary Total Disablement: If at any time during the period of insurance the 3. TRAVEL EXPENSES FOR ONE RELATIVE: Following an admissible claim under
insured person/s shall sustain Grievous injury arising solely and directly from an the policy towards Death of the Insured Person due to an Accident, outside the place
accident and resulting in hospitalization, then the insured person will be paid a sum of his/her residence, the Company will pay 1% of the Total sum insured for the
calculated at 1% of the sum insured under Table C per completed week but not transport expenses to one relative of the Insured Person Provided such payment shall
exceeding Rs.15,000/- per completed week, in all, under all Personal Accident not exceed a sum of Rs.50,000/-.
policies, if such injury be the sole and direct cause of Temporary Total Disablement. This amount is payable in addition to the sum insured.
This benefit is subject to a maximum period of 100 weeks from the date of such
Temporary Total Disablement. 4. VEHICLE AND/OR RESIDENCE MODIFICATION: The Company will pay upto 10%
of Table B and Table C sum insured subject to a maximum of Rs.50,000/- towards the
In no case shall the compensation exceed the sum insured for this benefit.
expenses incurred to modify the Insured Person's residential accommodation or
The payment shall be made only after the termination of such disablement. vehicle as long as the modification have been carried out in India and certified by a
All the benefit under this section is subject to exclusions, as mentioned in 'General Doctor to be necessary and directly required as a result of the Accident for which there
Exclusions' of this Policy. is an admissible claim under Permanent Total Disablement.
Special Conditions (Applicable to all Tables) This benefit is applicable only where there is an admissible claim for Permanent Total
1. If the Accident affects any physical or mental function, which was already impaired Disablement.
prior to the accident, a deduction as certified by a Government Doctor will be made in This amount is payable in addition to the sum insured.
respect of this prior disablement.
5. PURCHASE OF BLOOD: The Company will pay up to 5% of the sum insured under
2. If the accident impairs a number of physical or mental functions, the degree of
relevant table/tables opted subject to a maximum of Rs.10,000/- whichever is less
disablement given in the Table of Benefits will be added together, but liability in any
towards the expenses incurred in purchasing blood through a Hospital or Government
case shall not exceed 100% of the Sum Insured (150% in case of Permanent Total
approved blood bank for the purpose of the Insured Person's medical or surgical
Disablement).
treatment provided there is an admissible claim under this policy. This amount is
3. In case of Permanent Partial Disablement claim the Sum Insured under the policy will payable in addition to the sum insured.
be reduced by the amount of admissible claim under the policy in respect of the
Insured Person to whom such sum shall become payable. 6. TRANSPORTATION OF IMPORTED MEDICINES: The Company will pay upto 5% of
4. In the event of Permanent Disablement, the Insured Person will be under obligation: Total sum insured subject to a maximum of Rs.20,000/- towards the expenses
a) To have himself/herself examined by doctors appointed by the Company / and incurred on freight charges for importing medicines to India, provided that;
the Company will pay the costs involved thereof. a. There is an admissible claim under the policy
b) To authorize doctors providing treatments or giving expert opinion and any other b. The medicines, formulations or alternatives of the imported medicines are not
authority to supply the Company any information that may be required. If the available in India, and
obligations are not met with due to whatsoever reason, the Company may be c. The medicines are necessary for the medical/surgical treatment of the Insured
relieved of its liability to pay. Provided however the insured shall be deemed to person in a Hospital following the Accident
have discharged his duties/obligations if he authorizes / gives consent to the d. The medicines which are imported should be permissible under Government
treating doctor/s or the experts who gave opinion. Any subsequent failure on the Regulation
part of the treating doctor/experts who gave opinion / hospital will not be held up
e. The medicines shall not include any drugs under clinical trial or medicines,
against the insured.
formulations or molecules of unproven efficacy
5. Where a claim for 100% of the Capital Sum Insured (150% for Permanent Total This amount is payable in addition to the sum insured
Disablement) is admitted / admissible the coverage under the policy ceases and the
policy cannot be renewed for such relevant person. IV. OPTIONAL BENEFITS
6. Where a claim for less than 100% of the Sum Insured is admitted / admissible, the If the additional premium is paid by the Insured person and shown in the Schedule of the
coverage under the policy will continue until expiry for the balance sum insured and policy, the following benefits, as applicable, are payable under the policy in addition to the
Company would exclude such disability on renewal in respect of such relevant sum insured.
person. a. MEDICAL EXPENSES EXTENSION DUE TO ACCIDENT: The Company will pay
Exclusions any medical expenses necessarily and reasonably incurred and expended by the
a) Any payment in case of more than one claim under the policy during the period of Insured Person, either as an In Patient or as an Out Patient, in connection with the
insurance by which the maximum liability of the Company in that period would accident as specified in the policy for which a claim has been admitted by the
exceed the amount specified in the Schedule. Company, 25% of the valid claim or 10% of the Total sum insured or actuals whichever
b) Any other claim after a claim has been admitted by the Company and becomes is less, subject to a overall limit of Rs.5,00,000/- per policy period. Where the policy
payable for Death or Permanent Total Disablement, as mentioned in Table of term is more than one year, this benefit is applicable for each year. Subject to General
Benefits B1. This would not apply to payment under Educational Grant, Exclusion of this policy sufficient proof for the treatment taken should to be submitted
Ambulance Charges/Transportation of mortal remains, Travel expenses of the to the Company.
one Relative and Expenses for Vehicle and /or residence Modification, Purchase This benefit is optional and is effective only if
of Blood, Transportation of Imported Medicine. 1. Specifically opted for by paying additional premium
Accident Care Individual Insurance Policy Unique Identification No.: IRDAI/HLT/SHAI/P-P/V.III/134/2017-18 POL / ACI / V.11 / 2023 4 of 8
 2. Shown in the Policy Schedule and 9. Any claim resulting or arising from or any consequential loss directly or indirectly
3. There is an admissible claim under the policy caused by or contributed to or arising from;
This amount is payable in addition to the sum insured. A. Ionizing radiation or contamination by radioactivity from any nuclear fuel or from
any nuclear waste from the combustion of nuclear fuel or from any nuclear waste
b. Hospital Cash: If during the policy period the insured person sustains accidental from combustion (including any self sustaining process of nuclear fission) of
injuries resulting in hospitalization as an in-patient, the Company will pay Cash nuclear fuel
Benefit of Rs.1,000/- for each completed day of Hospitalization provided such B. Nuclear weapons material
hospitalization happens within 30 days from the date of accident. The maximum C. The radioactive, toxic, explosive or other hazardous properties of any explosive
period for which the benefit is payable is 15 days per occurrence and 60 days per nuclear assembly or nuclear component thereof
policy period. Where the policy term is more than one year, this benefit limit is
D. Nuclear, chemical and biological terrorism
applicable for each year. This benefit cannot be cumulated or carried forward.
For the purpose of cash benefit the days of admission and discharge will not be taken 10. Any claim arising out of sporting activities in so far as they involve the training or
into account. participation in competitions of professional or semi-professional sports persons
This amount is payable in addition to the sum insured. 11. Participation in Hazardous Sport / Hazardous Activities
This benefit is optional and is effective only if; 12. Persons who are physically and mentally challenged, unless specifically agreed and
1. Specifically opted for by paying additional premium endorsed in the policy
2. Shown in the Policy Schedule
3. There is an admissible claim under the policy 13. Any loss arising out of the Insured Person's actual or attempted commission of or
willful participation in an illegal act or any violation or attempted violation of the law
c. Home Convalescence: The company will pay Rs 500/- for each completed day
14. OTHER EXCLUDED EXPENSES AS DETAILED IN THE WEBSITE www.starhealth.in
subject to a maximum of 15 days per occurrence and 60 days per policy period
towards the cost of engaging one attendant at residence immediately after discharge VII. GENERAL CONDITIONS
from the hospital provided the same is recommended by the attending physician. (APPLICABLE TO ALL SECTIONS UNDER THIS POLICY)
Where the policy term is more than one year, this benefit limit is applicable for each
year. This benefit cannot be cumulated or carried forward. The conditions below apply throughout this insurance. Failure to comply with them may be
prejudicial to a claim;
This amount is payable in addition to the sum insured.
1. Obligations of the Insured Person: Intimation about an event or occurrence that
This benefit is optional and is effective only if; may give rise to a claim under this policy must be given within 30 days of its
1. Specifically opted for by paying additional premium happening. Claims for insurance benefits must be submitted to the Company not later
2. Shown in the Policy Schedule than one (1) month after the completion of the treatment or after transportation of the
3. The hospitalization is arising out of Accident mortal remains/ burial in the event of Death
4. There is an admissible claim under the policy Note: For assistance call 24 hours help-line 044-69006900 or Toll Free No.
1800 425 2255. Senior Citizens may call at 044-40020888
V. CUMULATIVE BONUS
Note: The Company will examine and relax the time limit mentioned herein above
Compensation payable for an admissible claim for Death or Permanent Total disablement depending upon the merits of the case;
arising out of accidental injuries shall be increased by 5% thereof in respect of each 1. Claim intimation: Where the claim intimation is received by the call
completed year during which the policy shall have been in force prior to the occurrence of centre/Corporate office details as to coverage is collected
an accident for which the capital sum insured becomes payable but the amount of such 2. Documents to be submitted for reimbursement claims;
increase shall not exceed 50% of the sum insured stated in the schedule. The cumulative Duly completed claim form and
bonus is applicable to that part of the sum insured which is renewed continuously without For Death Claims
break. · Death Certificate
The Cumulative Bonus will not be lost if the policy is renewed within 30 days. Cumulative · Post-mortem Certificate, if conducted
bonus is not applicable for the Additional Benefits Or Optional Benefits. · FIR (wherever required)
VI. GENERAL EXCLUSIONS · Police Investigation report (wherever required)
(APPLICABLE TO ALL SECTIONS OF THE POLICY) · Viscera Sample Report (wherever required)
· Forensic Science Laboratory report (wherever required)
The Company shall not be liable to make any payments in respect of;
1. Any payment, in case of more than one claim under the Policy, during any one period · Legal Heir Certificate
of insurance by which the maximum liability of the Company in that period would · Succession Certificate (wherever required)
exceed the capital sum insured payable under this Policy except in case of Permanent For Disability Claims:
Total Disability claim, in which case the amount payable is 150% of the sum insured. · Certificate from Government doctor not below the rank of Civil Surgeon,
This exclusion will not apply to payments made under medical expenses extension, confirming the disability and its percentage
Hospital cash, Home Convalescence, Educational Grant, Ambulance Charges Note: The Company authorized doctor may examine the insured if required
/Transportation of mortal remains, Travel expenses of the one Relative and Expenses Certificate from the employer confirming leave of absence from duty.
for Vehicle and /or residence Modification, Purchase of Blood and Transportation of
Imported Medicine Travel expenses for one relative
· Proof of expenses incurred (original)
2. Any claim relating to events occurring before the commencement of the cover or
otherwise outside the Period of Insurance Vehicle and/or residence modification
· Certificate from the doctor confirming the Disability and the requirement of
3. Any injuries/conditions which are Pre-existing modification
4. Any claim for Death or Disablement of the Insured Person from (a) intentional · Estimate from Workshop
self-injury / suicide or attempted suicide or (b) whilst under the influence of intoxicating · Cash receipt for having carried the vehicle modification
liquor or drugs or (c) self-endangerment unless in self-defense or to save life · Estimate from civil engineer
5. Any claim arising out of mental disorder, suicide or attempted suicide self inflicted · Cash receipt for completion of the civil work modification
injuries, or sexually transmitted conditions, anxiety, stress, depression, venereal Purchase of blood
disease or any loss directly or indirectly attributable to HIV (Human Immunodeficiency · Original receipt for purchase of blood (wherever applicable)
Virus) and / or any HIV related illness including AIDS (Acquired Immunodeficiency
Syndrome), insanity and / or any mutant derivative or variations thereof howsoever Transportation of imported medicines
caused · Prescription of the treating doctor with confirmation that the medicine is not
available in India
6. Insured Person engaging in Air Travel unless he/she flies as a fare-paying passenger
· Original receipt for the freight incurred for import of the medicine, along with a
on an aircraft properly licensed to carry passengers. For the purpose of this exclusion
copy of invoice
Air Travel means being in or on or boarding an aircraft for the purpose of flying therein
or alighting there from Educational grant
· Death Certificate
7. Accidents that are results of war and warlike occurrence or invasion, acts of foreign
enemies, hostilities, civil war, rebellion, insurrection, civil commotion assuming the · Certificate from the school in which the child / children is/are studying, confirming
proportions of or amounting to an uprising, military or usurped power, seizure capture their study
arrest restraints detainments of all kings princes and people of whatever nation, Ambulance charges / transportation expenses of mortal remains
condition or quality whatsoever · Death Certificate or
8. Participation in riots, confiscation or nationalization or requisition of or destruction of · Proof of hospitalisation
or damage to property by or under the order of any government or local authority · Proof of utilized services of either Ambulance or Mortuary Van
Accident Care Individual Insurance Policy Unique Identification No.: IRDAI/HLT/SHAI/P-P/V.III/134/2017-18 POL / ACI / V.11 / 2023 5 of 8
 For Claim under Optional benefits 8. Cancellation/termination: The Company may cancel this policy on grounds of
Medical expenses due to accident misrepresentation, fraud, moral hazard, non disclosure of material fact as declared in
· Original Discharge Summary (wherever applicable) proposal form and/or claim form at the time of claim or non-co-operation of the insured
· Original Medical Reports person, by sending the Insured 30 days notice by registered letter at the Insured
person's last known address and no refund of premium will be made. The insured may
· Original Invoices/Bills,
at any time cancel this policy and in such event the Company shall allow refund after
· Original Payment Receipts retaining premium at Company's short period rate only (table given below) provided
Hospital Cash and Home Convalescence no claim has occurred up to the date of cancellation.
· Discharge Summary (Where original is required for other purposes, a certified Short period scales
copy may be submitted)
· Recommendation by the treating doctor for appointing an attendant at home for For policy with one year term
continuation of treatment
Period on Risk Rate of premium to be retained
· Cash receipt for payment made to the attendant
Note For a period not exceeding 15 days 10% of the Annual Premium
1. The Company reserves the right to call for additional documents wherever required
For a period not exceeding 1 month 15% of the Annual Premium
2. KYC (Identity proof with Address) of the proposer, as per AML Guidelines
For a period not exceeding 2 months 30% of the Annual Premium
2. Claims Settlement: Benefits payable under this policy will be paid within 7 days from
the time of receipt of all documents the Company requires. For a period not exceeding 3 months 40% of the Annual Premium
Provision for Penal Interest
For a period not exceeding 4 months 50% of the Annual Premium
i. The Company shall settle or reject a claim, as the case may be, within 30 days
from the date of receipt of last necessary document. For a period not exceeding 5 months 60% of the Annual Premium
ii. In case of delay in the payment of a claim, the Company shall be liable to pay For a period not exceeding 6 months 70% of the Annual Premium
interest to the policyholder from the date of receipt of last necessary document to
the date of payment of claim at a rate 2% above the bank rate. For a period not exceeding 7 months 75% of the Annual Premium
iii. However, where the circumstances of a claim warrant an investigation in the For a period not exceeding 8 months 80% of the Annual Premium
opinion of the Company, it shall initiate and complete such investigation at the
earliest, in any case not later than 30 days from the date of receipt of last Exceeding 8 months Full Annual Premium
necessary document. In such cases, the Company shall settle or reject the claim
within 45 days from the date of receipt of last necessary document. For policy with two year term
iv. In case of delay beyond stipulated 45 days, the Company shall be liable to pay Period on Risk Rate of premium to be retained
interest to the policyholder at a rate 2% above the bank rate from the date of
receipt of last necessary document to the date of payment of claim. Up to 1 year 65% of the premium
v. “Bank rate” shall mean the rate fixed by the Reserve Bank of India (RBI) at the Up to 2 years Full Premium
beginning of the Financial Year in which claim has fallen due.
For policy with three year term
3. The Company shall be released from any obligation to pay insurance benefits if any of
the term and conditions are breached. Period on Risk Rate of premium to be retained
4. Geographical Scope: The insurance cover applies Worldwide. Up to 1 year 45% of the premium
VIII. STANDARD TERMS AND CONDITIONS Up to 2 years 85% of the premium
(APPLICABLE TO ALL BENEFITS UNDER THIS POLICY)
Up to 3 years Full Premium
1. Incontestability and Duty of Disclosure: The Policy shall be null and void and no
benefit shall be payable in the event of untrue or incorrect statements, 9. Currency for payments: All claims payable shall be paid in Indian Rupee only.
misrepresentation, mis-description or on non-disclosure in any material particular in
the proposal form or at the time of claim, personal statement, declaration and 10. Important Note: The terms, conditions and exclusions that appear in the policy or in
connected documents, or any material information having been withheld, or a claim any endorsement are part of the contract and must be complied with. Failure to
being fraudulent or any fraudulent means or devices being used by the Insured comply may result in the claim being denied.
Person or any one acting on his behalf to obtain any benefit under this Policy. Note 1: It is hereby made clear that in policies which are issued for a period of two or
three years, the sum insured and the other benefits shall be limited to the sum
2. Observance of terms and conditions: The due observance and fulfillment of the mentioned for each of the year, without any carry over benefit thereof.
terms, conditions and endorsement of this Policy in so far as they relate to anything to
Note 2: In so far as the benefits which are relatable to policy periods, such benefits
be done or complied with by the Insured Person, shall be a condition precedent to any
shall be available for each year but limited to such sums mentioned for each year.
liability of the Company to make any payment under this Policy.
Note 3: Where the policy is issued covering the family, the benefits are applicable
3. Material change: The Insured Person shall immediately notify the Company in individually for each person covered.
writing of any change in his business or occupation or physical defect or infirmity with
The attention of the policy holder is drawn to our website www.starhealth.in for anti
which he has become affected since the payment of last preceding premium.
fraud policy of the Company for necessary compliance by all stake holders.
4. Automatic Termination of Insurance: This policy shall automatically terminate
11. Renewal Clause: The policy will be renewed except on grounds of misrepresentation
upon the Insured Person's death or payment of the Capital Sum Insured. In case of
/ fraud committed.
family cover, the surviving members would continue to have the cover for their
respective sum insured, till the expiry date of the policy. A grace period of 30 days from the date of expiry of the policy is available for renewal.
If renewal is made within this 30 days period the continuity of benefits will be allowed.
5. Free Look Period: A free look period of 15 days from the date of receipt of the policy is However the actual period of cover will start only from the date of payment of
available to the insured to review the terms and conditions of the policy. In case the premium. In other words no protection is available between the policy expiry date and
insured is not satisfied with the terms and conditions, the insured may seek the date of payment of premium for renewal.
cancellation of the policy and in such an event the Company shall allow refund of Every renewal premium (which shall be paid and accepted in respect of this policy)
premium paid after adjusting the stamp duty charges and proportionate risk premium shall be so paid and accepted upon the distinct understanding that no alteration has
for the period concerned provided no claim has been made until such cancellation. taken place in the facts contained in the proposal or declaration herein before
Free look Period is not applicable at the time of renewal of the policy. mentioned and that nothing is known to the Insured that may result to enhance the risk
6. Duties of the insured on occurrence of loss: On the occurrence of any loss, within of the Company under the insurer.
the scope of cover under the Policy the Insured Person / representative shall file / Where a claim for 100% of the Capital Sum Insured is admitted / admissible, the
submit a Claim Form in accordance with 'Obligation of the Insured Person' Clause as policy cannot be renewed for such relevant person.
provided in General Conditions. Where a claim for less than 100% of the Sum Insured is admitted / admissible, the
If the Insured Person/representative does not comply with the provisions of this Company would exclude such disability on renewal in respect of such relevant person.
Clause or other obligations cast upon the Insured Person/representative under this In the event of this policy being withdrawn / modified with revised terms and/or
Policy, in terms of the other clauses referred to herein or in terms of the other clauses premium with the prior approval of the Competent Authority, the insured will be
in any of the Policy documents, all benefits under the Policy shall be forfeited. intimated three months in advance and accommodated in any other equivalent
7. Fraudulent claims: If any claim is in any respect fraudulent, or if any false statement, insurance policy offered by the Company, if requested for by the Insured Person, at
or declaration is made or used in support thereof, or if any fraudulent means or the relevant point of time.
devices are used by the Insured Person or anyone acting on his behalf to obtain any Renewal premium is subject to change with prior approval from the Regulator.
benefit under this Policy shall be forfeited and the policy will be cancelled without any Change of options/plans within same product are permissible only at the time of
refund of premium. renewal.
Accident Care Individual Insurance Policy Unique Identification No.: IRDAI/HLT/SHAI/P-P/V.III/134/2017-18 POL / ACI / V.11 / 2023 6 of 8
12. Policy Disputes: Any dispute concerning the interpretation of the terms, conditions, 14. Notices: Any notice, direction or instruction given under this Policy shall be in writing
limitations and/or exclusions contained herein is understood and agreed to by both and delivered by hand, post, or facsimile/email to Star Health and Allied Insurance
the Insured and the Company to be subject to Indian Law. Company Limited, No.1, New Tank Street, Valluvar Kottam High Road,
Nungambakkam, Chennai 600034. Customer Care No. 044-69006900 or Toll Free
13. Arbitration clause: If any dispute or difference shall arise as to the quantum to be No. 1800 425 2255, e-mail: [email protected]
paid under this Policy (liability being otherwise admitted) such difference shall
independently of all other questions be referred to the decision of a sole arbitrator to 15. Customer Service: If at any time the Insured Person requires any clarification or
assistance, the Insured may contact No.1, New Tank Street, Valluvar Kottam High
be appointed in writing by the parties to the dispute/difference, or if they cannot agree
Road, Nungambakkam, Chennai - 600034, during normal business hours.
upon a single arbitrator within 30 days of any party invoking arbitration, the same shall
be referred to a panel of three arbitrators, comprising of two arbitrators, one to be 16. Grievances: In case the Insured Person is aggrieved in any way, the Insured may
appointed by each of the parties to the dispute/difference and the third arbitrator to be contact the Company at the specified address, during normal business hours.
appointed by such two arbitrators. Arbitration shall be conducted under and in Grievance Department, 4th Floor, Balaji Complex, No. 15, Whites Lane, Whites
accordance with the provisions of the Arbitration and Conciliation Act, 1996. Road, Royapettah, Chennai- 600014. Or Call 044-69006900 during normal business
It is clearly agreed and understood that no difference or dispute shall be referred to hours. Or Send e-mail to [email protected], [email protected] Senior
arbitration, as hereinbefore provided, if the Company has disputed or not accepted Citizens may call at 044-69007500.
liability under or in respect of this Policy. In the event of the following grievances;
a. any partial or total repudiation of claims by an insurer
It is hereby expressly stipulated and declared that it shall be a condition precedent to
any right of action or suit upon this Policy that the award by such arbitrator/ arbitrators b. any dispute regard to premium paid or payable in terms of the policy
of the amount of the loss or damage shall be first obtained. c. any dispute on the legal construction of the policies in so far as such disputes
It is also further expressly agreed and declared that if the Company shall disclaim relate to claims
liability to the Insured for any claim hereunder and such claim shall not, within three d. delay in settlement of claims
years from the date of such disclaimer have been made the subject matter of a suit in a e. non-issuance of any insurance document to customer after receipt of the premium
Court of Law, then the claim shall for all purposes be deemed to have been The Insured Person may approach the Insurance Ombudsman, within whose jurisdiction
abandoned and shall not thereafter be recoverable hereunder. the branch or office of Star Health and Allied Insurance Company Limited is located.

Permanent Total Disablement - Table of Benefits B1 Permanent Partial Disablement - Table of Benefits B2

Percentage of Percentage of
Benefits Benefits
Sum Insured Sum Insured

1. Permanent Total Disablement: Loss of toes all All 20

Payable only when the insured person, following accidental
injuries is unable to engage in each and every occupation or Loss of Great toe both phalanges 5
employment for compensation or profit for which he is 1 Loss of Great toe one phalanx 2
reasonably qualified by education, training or experience for the
rest of his life. If at the time of loss the insured person is 150%
Other than Great, if more than
unemployed, Permanent Total Disability shall mean the total For each toe 1
One toe lost, for each toe
and permanent inability to perform all of the usual and
customary duties and activities of a person of like age and sex
even with the use of special equipment routinely available to Loss of hearing both ears Both ears 75
2
help and having taken any appropriate prescribed medication Loss of hearing one ear One ear 30
2. Total and irrevocable loss of Loss of four fingers and thumbs of
3 40
One hand
(i) Sight of both eyes 100%
Loss of four fingers 35
(ii) Physical separation of two entire hands 100% 4 Both phalanges 25
Loss of thumb both phalanges
One phalanx 10
(iii) Physical separation of two entire foot 100%
Three
10
(iv) One entire hand and one entire foot 100% phalanges
5 Loss of index finger
(v) Sight of one eye and loss of one hand 100% Two phalanges 8
One phalanx 4
(vi) Sight of one eye and loss of one entire foot 100%
Three
6
(vii) Use of two hands 100% phalanges
6 Loss of middle finger
Two phalanges 4
(viii) Use of two foot 100%
One phalanx 2
(ix) Use of one hand and one foot 100% Three
5
phalanges
(x) Sight of one eye and use of one hand 100% 7 Loss of ring finger
Two phalanges 4
(xi) Sight of one eye and use of one foot 100%
One phalanx 2

(xii) Sight of one eye 50% Three

4
phalanges
(xiii) Physical separation of one entire hand 50% 8 Loss of little finger
Two phalanges 3
(xiv) Physical separation of one entire foot 50% One phalanx 2
First or second 3
(xv) Use of one hand without physical separation 50%
9 Loss of metacarpals Additional (third
2
(xvi) Use of one foot without physical separation 50% fourth or fifth)

Loss of foot / hand means total severance through or above the ankle/wrist joints Percentage as assessed by the
Any other Permanent partial
respectively. Loss of eye means entire and irrevocable loss of sight. Thumb and index 10 Medical Board or by the
disablement
finger means severance through or above the joint that meets the hand at the palm. government doctor

Accident Care Individual Insurance Policy Unique Identification No.: IRDAI/HLT/SHAI/P-P/V.III/134/2017-18 POL / ACI / V.11 / 2023 7 of 8
 List of Insurance Ombudsman

AHMEDABAD BENGALURU BHOPAL

Office of the Insurance Ombudsman, Office of the Insurance Ombudsman, Office of the Insurance Ombudsman, BHUBANESWAR
Jeevan Prakash Building, 6th floor, Jeevan Soudha Building, 1st floor, "Jeevan Shikha",
Office of the Insurance Ombudsman,
Tilak Marg, Relief Road, PID No. 57-27-N-19 Ground Floor, 19/19, 60-B, Hoshangabad Road,
62, Forest park, Bhubaneswar – 751 009.
Ahmedabad – 380 001. 24th Main Road, JP Nagar, Ist Phase, Opp. Gayatri Mandir, Bhopal – 462 011.
Tel.: 0674 - 2596461 /2596455
Tel.: 079 - 25501201/02/05/06 Bengaluru – 560 078. Tel.: 0755 - 2769201 / 2769202
Email: [email protected]
Email: [email protected] Tel.: 080 - 26652048 / 26652049 Email: [email protected]
Email: [email protected] JURISDICTION: Odisha.
JURISDICTION: Gujarat, Dadra & Nagar JURISDICTION: Madhya Pradesh
Haveli, Daman and Diu. JURISDICTION: Karnataka. Chattisgarh.

CHANDIGARH
CHENNAI DELHI ERNAKULAM
Office of the Insurance Ombudsman,
S.C.O. No. 101, 102 & 103, 2nd Floor, Office of the Insurance Ombudsman, Office of the Insurance Ombudsman, Office of the Insurance Ombudsman,
Batra Building, Sector 17 – D, Fatima Akhtar Court, 4th Floor, 453, 2/2 A, Universal Insurance Building, 2nd Floor, Pulinat Bldg.,
Chandigarh – 160 017. Anna Salai, Teynampet, Asaf Ali Road, Opp. Cochin Shipyard, M. G. Road,
Tel.: 0172 - 2706196 / 2706468 Chennai – 600 018. New Delhi – 110 002. Ernakulam - 682 015.
Email: [email protected] Tel.: 044 - 24333668 / 24335284 Tel.: 011 - 23232481/23213504 Tel.: 0484 - 2358759 / 2359338
Email: [email protected] Email: [email protected] Email: [email protected]
JURISDICTION: Punjab, Haryana
(excluding Gurugram, Faridabad, Sonepat JURISDICTION: Tamil Nadu, JURISDICTION: Delhi & following Districts JURISDICTION: Kerala, Lakshadweep,
and Bahadurgarh), Himachal Pradesh, Puducherry Town and Karaikal of Haryana - Gurugram, Faridabad, Mahe-a part of Union Territory of
Union Territories of Jammu & (which are part of Puducherry). Sonepat & Bahadurgarh. Puducherry.
Kashmir,Ladakh & Chandigarh.

HYDERABAD
GUWAHATI
Office of the Insurance Ombudsman, JAIPUR KOLKATA
Office of the Insurance Ombudsman,
6-2-46, 1st floor, "Moin Court",
Jeevan Nivesh, 5th Floor, Office of the Insurance Ombudsman, Office of the Insurance Ombudsman,
Lane Opp. Saleem Function Palace,
Nr. Panbazar over bridge, S.S. Road, Jeevan Nidhi – II Bldg., Gr. Floor, Hindustan Bldg. Annexe, 7th Floor,
A. C. Guards, Lakdi-Ka-Pool,
Guwahati – 781001(ASSAM). Bhawani Singh Marg, 4, C.R. Avenue, Kolkata - 700 072.
Hyderabad - 500 004.
Tel.: 0361 - 2632204 / 2602205 Jaipur - 302 005. Tel.: 033 - 22124339 / 22124340
Tel.: 040 - 23312122
Email: [email protected] Tel.: 0141 - 2740363 Email: [email protected]
Email: [email protected]
Email: [email protected]
JURISDICTION: Assam, Meghalaya, JURISDICTION: West Bengal, Sikkim,
JURISDICTION: Andhra Pradesh,
Manipur, Mizoram, Arunachal Pradesh, JURISDICTION: Rajasthan. Andaman & Nicobar Islands.
Telangana, Yanam and part of Union
Nagaland and Tripura.
Territory of Puducherry.

PATNA
LUCKNOW Office of the Insurance Ombudsman,
NOIDA 2nd Floor, Lalit Bhawan,
Office of the Insurance Ombudsman,
Bailey Road, Patna 800 001.
6th Floor, Jeevan Bhawan, Phase-II, Office of the Insurance Ombudsman,
Tel.: 0612-2547068
Nawal Kishore Road, Hazratganj, Bhagwan Sahai Palace
Email: [email protected]
Lucknow - 226 001. 4th Floor, Main Road, Naya Bans, Sector 15,
MUMBAI
Tel.: 0522 - 2231330 / 2231331 Distt: Gautam Buddh Nagar, U.P-201301. JURISDICTION: Bihar, Jharkhand.
Email: [email protected] Office of the Insurance Ombudsman, Tel.: 0120-2514252 / 2514253
3rd Floor, Jeevan Seva Annexe, Email: [email protected]
JURISDICTION: Districts of Uttar Pradesh:
S. V. Road, Santacruz (W),
Lalitpur, Jhansi, Mahoba, Hamirpur, JURISDICTION: State of Uttarakhand and
Mumbai - 400 054.
Banda, Chitrakoot, Allahabad, Mirzapur, the following Districts of Uttar Pradesh:
Tel.: 69038821/23/24/25/26/27/28/29/30/31
Sonbhabdra, Fatehpur, Pratapgarh, Agra, Aligarh, Bagpat, Bareilly, Bijnor,
Email: [email protected]
Jaunpur,Varanasi, Gazipur, Jalaun, Budaun, Bulandshehar, Etah, Kannauj,
Kanpur, Lucknow, Unnao, Sitapur, JURISDICTION: Goa, Mumbai Mainpuri, Mathura, Meerut, Moradabad, PUNE
Lakhimpur, Bahraich, Barabanki, Metropolitan Region (excluding Navi Muzaffarnagar, Oraiyya, Pilibhit, Etawah,
Office of the Insurance Ombudsman,
Raebareli, Sravasti, Gonda, Faizabad, Mumbai & Thane). Farrukhabad, Firozbad, Gautam Buddh
Jeevan Darshan Bldg., 3rd Floor,
Amethi, Kaushambi, Balrampur, Basti, nagar, Ghaziabad, Hardoi, Shahjahanpur,
C.T.S. No.s. 195 to 198, N.C. Kelkar Road,
Ambedkarnagar, Sultanpur, Maharajgang, Hapur, Shamli, Rampur, Kashganj,
Narayan Peth, Pune – 411 030.
Santkabirnagar, Azamgarh, Kushinagar, Sambhal, Amroha, Hathras,
Tel.: 020-41312555
Gorkhpur, Deoria, Mau, Ghazipur, Kanshiramnagar, Saharanpur.
Email: [email protected]
Chandauli, Ballia, Sidharathnagar.
JURISDICTION: Maharashtra, Areas of
Navi Mumbai and Thane (excluding
Mumbai Metropolitan Region).

Kindly refer our website, for future updates in Ombudsman address

Accident Care Individual Insurance Policy Unique Identification No.: IRDAI/HLT/SHAI/P-P/V.III/134/2017-18 POL / ACI / V.11 / 2023 8 of 8