Accident Care Individual Insurance is offered by Star Health and Allied Insurance Co. Ltd. through Bank of Baroda's insurance distribution channel.
Minimum ₹1,00,000, increased in ₹10,000 multiples
the maximum varies with the insured person's earning capacity.
Adults aged 18–70 years
dependent children can be covered from 5 months to 25 years under family cover.
One-year, two-year and three-year policy terms are published in the premium matrix.
Premium excluding tax is quoted per ₹1,000 of sum insured (per mille), by Table A/B/C and Risk Group I/II/III. One-year: A ₹0.43/₹0.60/₹0.80, B ₹0.70/₹1.30/₹1.75, C ₹1.25/₹1.75/₹2.00. Two-year: A ₹0.83/₹1.16/₹1.54, B ₹1.35/₹2.51/₹3.38, C ₹2.41/₹3.38/₹3.86. Three-year: A ₹1.20/₹1.68/₹2.24, B ₹1.96/₹3.63/₹4.89, C ₹3.49/₹4.89/₹5.59.
No initial or specific waiting period applies under the policy wording's customer information sheet.
Table A covers accidental death
Table B adds permanent disablement
Table C adds temporary total disablement. Accidental death pays 100% of sum insured
permanent total disablement pays 150% of sum insured plus cumulative bonus calculated on 100%
temporary total disablement pays 1% per completed week under Table C up to ₹15,000 per week for 100 weeks.
The policy excludes pre-existing conditions
intentional self-injury, suicide/attempted suicide, intoxicants and self-endangerment
mental disorder, sexually transmitted conditions and /-related losses
non-qualified air travel
war, riots and civil commotion
nuclear, chemical and biological terrorism
professional or semi-professional sports competitions
hazardous sports/activities
physical or mental challenge unless endorsed
and illegal acts. The policy points to additional excluded expenses on the insurer website
Tata General Insurance Company Limited. Bank of Baroda distributes the product as an insurance corporate-agent channel
the insurance contract is with Tata .
Compulsory owner-driver personal accident cover has a maximum capital sum insured of ₹15 lakh. Compensation is 100% for death, loss of two limbs or sight of two eyes or one limb and sight of one eye, 50% for loss of one limb or sight of one eye, and 100% for other permanent total disablement.
Value awaiting review
The exact insurance period is the period stated in the policy schedule. One policy year is 12 consecutive months
renewal terms, benefits and premium rates may change with the insurer's consent. Add-on coverage applies only for the period and limits shown in the schedule.
Purchase premium is quote- and schedule-specific. If the insured cancels without a claim, the policy uses the published short-period retention grid and retains at least ₹100, or ₹25 for specially designed/modified vehicles for blind, handicapped or mentally challenged persons. The grid retains 20% for up to one month, 30%up to two months, 40%up to three months, 50%up to four months, 60%up to five months, 70%up to six months, 80%up to seven months, 90%up to eight months and the full annual rate after eight months.
Value awaiting review
The Tata package covers accidental, fire, theft, riot/strike, natural-calamity, terrorist/malicious-act, landslide/rockslide and transit loss or damage to the insured vehicle, plus third-party bodily-injury/death liability and up to ₹7.50 lakh third-party property-damage compensation.
Base exclusions include loss outside the geographical area, contractual liability, unauthorised use or driver, consequential loss, nuclear risks and war/hostilities. The wording also excludes wear and tear, mechanical/electrical breakdown, certain tyre-only losses, intoxication-related incidents, invalid or unauthorised repairs and add-on-specific losses. Optional covers have additional conditions such as valid own-damage claims, authorised garages, police reports, schedule limits and manufacturer-warranty exclusions.
Tata General Insurance Company Limited. Bank of Baroda distributes the policy as an insurance corporate-agent channel
the insurance contract is between Tata and the insured.
The Insured's Declared Value () is the vehicle's own-damage sum insured and is fixed at the start of each period of insurance or policy year. Standard owner-driver personal-accident cover is capped at ₹15,00,000 per period of insurance
third-party property, bodily-injury and death liability follows the policy schedule and applicable law. A vehicle is treated as constructive total loss when retrieval and/or repair cost exceeds 75% of .
Value awaiting review
The period of insurance is the period stated in the policy schedule. A policy year is 12 consecutive months
a schedule may cover more than one policy year, and the issued schedule controls the actual duration and premium.
Value awaiting review
Value awaiting review
The policy offers mandatory liability-only cover for third-party property damage, bodily injury and death, plus owner-driver personal accident cover, and a comprehensive package covering own damage, third-party liability and owner-driver accidental death or permanent/temporary disablement.
Base exclusions include losses outside the geographical area, contractual liability, use outside the policy limitations or by an unauthorised driver, consequential loss, nuclear contamination or weapons, war and hostilities, wear and tear, mechanical or electrical breakdown, specified tyre/tube losses, accessory theft unless the vehicle is stolen with it, intoxicated driving and depreciation unless an applicable add-on responds. Add-ons have further conditions: Return to Invoice requires a valid total-loss/theft claim, final investigation report and a non-imported vehicle
consumables require an admissible own-damage claim and authorised garage
medical expenses exclude pre-existing or unrelated sickness, physiotherapy, psychosomatic disorders, unsupported bills and treatment started after 5 days
roadside assistance excludes maintenance and listed force-majeure or unsafe situations
Engine Secure and Tyre/Rim Secure contain warranty, maintenance, neglect, tread and misuse exclusions.
The National Insurance House Holder policy can be issued to homeowners, flat tenants, housing societies, apartments, bungalows and row houses in rural, semi-urban and urban—including metro—cities. Sum insured should be 100% of value at risk (VAR).
The National Insurance House Holder policy can be issued to homeowners, flat tenants, housing societies, apartments, bungalows and row houses in rural, semi-urban and urban—including metro—cities. Sum insured should be 100% of value at risk (VAR).
The policy period is the period shown in the schedule
the personal-accident wording refers to the annual character of that section. The reviewed page and do not print one universal duration independent of the schedule.
Value awaiting review
Value awaiting review
Covered for up to 120 days in aggregate and up to one-tenth of total contents sum insured
The policy excludes, among other things, loss caused by war and related hostilities, nuclear risks, deliberate or wilful acts, employee/family involvement in burglary, wear/tear and mechanical or electrical breakdown where the relevant section excludes it, use of pedal cycles for racing or hire/reward, theft of specified valuables and documents, and liability arising from the insured's profession/business or alterations to the premises.
Plans A1/A2 cover worldwide excluding /Canada and B1/B2 worldwide including /Canada. Medical/evacuation/repatriation cover is USD 50,000/250,000 for A1/A2 and USD 100,000/500,000 for B1/B2. Personal accident cover is USD 10,000 for A1 and USD 25,000 for A2/B1/B2.
Eligible travellers are citizens of India, Nepal or Bhutan travelling abroad for business or holiday, and foreign nationals working in India for Indian employers or multinationals paid in Indian rupees. Pre-existing disease is excluded
the first USD 100 of claims is borne by the traveller.
Value awaiting review
Value awaiting review
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The plans include checked-baggage loss USD 1,000, baggage delay USD 100, passport loss USD 150–250 and third-party bodily injury/property damage USD 200,000. Emergency dental relief is covered up to USD 225 per occurrence
baggage delay applies to outbound international flights delayed over 12 hours.
Pre-existing disease or illness
travel against medical advice or for treatment
military, naval or air-force operations
suicide or intentional self-injury
mental disorder, alcoholism, drug abuse or /-related illness
The policy provides worldwide 24x7 cover for accidental death, permanent total/partial disablement and temporary total disablement. Temporary total disablement pays 1% of capital sum insured per week for up to 104 weeks, capped at ₹5,000 per week.
Bank account holders, borrowers and co-borrowers are covered
individuals up to age 70 are eligible. The page states available sum-insured options range from ₹1 lakh to ₹30 lakh across plans/products.
One year
the National Insurance policy wording says the policy may be renewed every year by mutual consent, with renewal premium due on or before the expiry date.
Accident medical-expense extension is available up to 10% of the capital sum insured or 40% of the admissible claim, whichever is lower, at an additional premium of 20% of the basic premium. The page does not publish the base premium or a fixed quote.
Not applicable to this accident-only policy: cover operates worldwide, 24x7, for accidental events during the policy period. Claim-notice deadlines are separate policy conditions.
The policy provides worldwide 24x7 cover for accidental death, permanent total/partial disablement and temporary total disablement. Temporary total disablement pays 1% of capital sum insured per week for up to 104 weeks, capped at ₹5,000 per week.
The individual policy excludes intentional self-injury or suicide
drug or alcohol abuse
venereal disease or insanity
pregnancy or childbirth
aviation other than permitted standard-aircraft passenger travel
non-fare-paying aircraft travel
breach of law with criminal intent
war, civil unrest or government action
and nuclear weapons, radiation or contamination. Compensation is also limited so that duplicate benefit clauses and claims after an admitted death/major-disablement claim are not paid.
The package uses section-specific sums insured chosen in the policy schedule. The published stock-related section cover is up to 10% of stock sum insured for the stated benefit
no universal package total is printed.
Maximum sum insured for the fire/building-content section is ₹2 crore in the Highlights section
shops must have Class A construction. Restaurants, cafés and offices are not treated as shops. Pedal-cycle legal liability is covered up to ₹10,000, and money in transit is limited to 10% of stock sum insured under Section 1B.
Policy period is the period commencing on the inception date and ending at midnight on the expiry date shown in the schedule. The policy literature also defines a 30-day renewal grace period, during which continuity can be maintained after the premium due date
no single universal annual duration is printed.
Published section rates are ₹1.40 per mille for fire/allied perils, ₹1.00 per mille for burglary, ₹2.50 per mille for money insurance, ₹10.00 per mille for pedal cycle, plate glass and neon sign, ₹7.50 per mille for baggage, ₹4.00 per mille for fidelity guarantee, ₹0.50 per mille for public liability, ₹3.13 per mille for employees compensation, ₹1.75 per mille for business interruption and ₹0.08 per mille for terrorism
applicable taxes and policy terms apply.
Value awaiting review
Up to 10% of stock sum insured
The page excludes loss caused by negligence or wilful act, depreciation or wear and tear, consequential loss, each section’s applicable excess, earthquake unless specifically included, terrorism unless specifically included, breach of law, war-group perils and radioactivity. The full policy wording and section-specific excesses control.
or ₹1,00,00,000, on an individual or family-floater basis.
Adults aged 18–65 years at entry
dependent children from 3 monthsup to 25 years. Continuous renewals have no upper age limit.
One year or two years. A 30-day renewal grace period preserves waiting-period continuity when renewal is completed within the grace period.
Premium is age-, family-composition-, sum-insured- and term-dependent. The dated benefit illustration shows, excluding taxes, ₹25,750 for an individual aged 64 with ₹5,00,000 cover
₹18,700 for age 58
and family-floater examples of ₹38,800 for 2 adults and ₹23,540 for 2 adults plus 1 child, each at ₹5,00,000. The prospectus also illustrates ₹17,615 per year for a 40-year-old individual with ₹25,00,000 cover and ₹34,220 for a 2-adult/2-child floater at ₹25,00,000
these are examples, not current quotes.
Initial illness waiting period: 30 days (accidental claims are excepted). Listed diseases/treatments: 24 continuous months. Pre-existing diseases: 36 continuous months. Maternity/newborn benefit: 24 months. Bariatric surgery: 36 months. The optional first-purchase cover can reduce the pre-existing-disease wait from 36 to 12 months for the selected sum insured after medical screening
portability rules apply.
No capping on room rent (private single A/C room)
bariatric surgery and complications
air ambulance and second medical opinion
health check-up after claim-free years
maternity and newborn cover
100% automatic restoration of sum insured
dental/ophthalmic cover
hospital cash
all day-care procedures
personal accident cover equal to health cover
100% increase in sum insured on a claim-free renewal.
The prospectus exclusions cover circumcision and related procedures, congenital external defects except eligible newborn cover, investigation-only admissions, pregnancy except the stated maternity section, infertility, cosmetic/plastic surgery, non-prescription drugs, substance abuse, self-inflicted injury, dental/ outside the stated benefits, excluded providers, treatment outside India and other exclusions in the policy wording. Waiting-period conditions apply to listed diseases and pre-existing diseases.
Four medical-cover limits are published for each destination option: USD 50,000, USD 1,00,000, USD 2,50,000 and USD 5,00,000. The selected plan also sets separate accident, baggage, passport, delay, cancellation and liability limits.
Any permanent resident of India above 6 months of age who is travelling abroad for work or leisure can take this overseas travel insurance.
The policy is issued for the insured overseas trip, with published trip-duration bands from up to 4 days through 148–180 days. An extension may be requested before expiry on payment of additional premium and a good-health declaration
up to two extensions are permitted, for a maximum total coverage period of 360 days.
Premium varies by destination, plan (USD 50,000/1,00,000/2,50,000/5,00,000), traveller age and trip duration. The current published tables quote premiums in rupees including 18% tax. Examples for up to 4 days: /Canada Plan A1 (USD 50,000) ₹535 for age 6 months–40 years, Plan B1 (USD 1,00,000) ₹668, Plan C1 (USD 2,50,000) ₹703 and Plan D1 (USD 5,00,000) ₹878
excluding /Canada, the corresponding examples are ₹307, ₹385, ₹459 and ₹805. The tables continue through 148–180 days and ages 6 months–70 years.
Value awaiting review
Star Travel Protect covers overseas emergency medical expenses, medical evacuation, repatriation of mortal remains, accidental injury compensation, dental emergency after an accident, loss or delay of checked baggage, passport loss/replacement, trip cancellation, flight delay, missed departure or connection, emergency consumables and third-party legal liability.
Major exclusions include travelling against medical advice
treatment for a pre-existing condition
travelling to obtain medical treatment
winter sports or dry ski slopes
manual work
riot/civil commotion
war, terrorism and nuclear/radioactive events
racing, motor rallies, mountaineering, rafting/white-water, underwater activities, professional or organised sports and hazardous pursuits
suicide or wilful self-injury
mental disorder, venereal disease, alcoholism, drunkenness or non-prescribed drugs
criminal or illegal acts
/-related claims
pregnancy claims outside the stated timing condition
losses increased by the insured's act or omission
two-wheeler accidents where the driver is unqualified, unlicensed or riding a vehicle of 125 cc or more
property/land ownership, consequential loss, bankruptcy/liquidation, congenital anomalies and other policy-wording exclusions.
Bank of India distributes the policy and does not underwrite the risk.
Own-damage sum insured is the vehicle’s insured declared value () shown in the policy schedule
no universal or owner-driver capital-sum amount is published on the reviewed BOI summary.
No customer-age entry rule is published
eligibility is tied to the insured two-wheeler, owner/driver, registration and policy schedule.
The period of insurance is the period stated in the issued policy schedule
no universal duration is published on the reviewed BOI page.
Premium is quotation-specific and depends on vehicle details, , location, compulsory/higher deductibles and selected add-ons
no universal premium amount is published on the reviewed BOI page.
Value awaiting review
Third-party bodily injury and property damage, legal liabilities, compulsory owner-driver personal accident, accidental damage, theft, natural disasters, man-made calamities, fire and explosion, and transit damage by road, rail, air or inland waterways.
The complete exclusions schedule is not reproduced on the BOI summary
consult the linked policy wording and prospectus for use restrictions, deductibles, wear/breakdown and other exclusions.
Bank of Maharashtra identifies United India Insurance Company Limited (UIIC) as its partner under an MOU dated 21 April 2015.
₹2,00,000 for accidental death or specified permanent total disability
₹1,00,000 for specified permanent partial disability.
18–70 years (age nearest birthday) for an eligible savings-bank account holder.
One year, from 1 June to 31 May
renewed annually when the required premium is debited and eligibility continues.
₹20 per member per year by one-installment auto-debit. The ₹12 figure in the linked BoM belongs to the original 2015 version and is not current.
For the regular annual cycle, BoM says cover starts on 1 June when premium is debited by the cut-off. For delayed enrolment or rejoining, the DFS says risk cover starts on the date the premium is auto-debited
it does not prescribe a fixed day-based waiting period.
Accidental death and the listed permanent disabilities: ₹2,00,000 for death or total and irrecoverable loss of both eyes, both hands/feet, or one eye plus one hand/foot
₹1,00,000 for total and irrecoverable loss of sight in one eye or use of one hand/foot.
Suicide death is not covered
murder and qualifying natural-calamity accidents are covered. There is no hospitalisation-expense reimbursement, no benefit for partial disabilities outside the listed losses, and only one claim is payable where premiums were debited through multiple accounts.
Universal Sompo General Insurance, United India Insurance (UIIC), Chola MS General Insurance and Niva Bupa Health Insurance.
Policy-level sums insured and health limits are not published on the catalogue page
the selected product and insurer determine them.
No common entry-age rule is published
each insurer and policy sets eligibility.
No common policy-term range is published
term follows the selected product and insurer.
Premium amounts are not published
partner quotations and product terms determine the price.
No common waiting period is published
policy wording for the selected health or other product controls it.
Published product families include fire, motor, marine, shopkeepers, theft/burglary, fidelity guarantee, personal accident, overseas travel, household goods, group health, cyber, farmer care, loan-secure critical illness, accident, gold-loan customer and business-shield covers. Niva Bupa also lists My Health Secure, Sehat Suraksha, Group Criti Care and Super Top Up.
₹5 lakh each for self and spouse arising out of fire and allied perils
Value awaiting review
1 to 10 years
Quote-based
no universal premium amount is published on the reviewed official page. The payable premium depends on the selected building/contents cover and policy terms.
Value awaiting review
Building structure and/or contents cover with automatic 10% annual escalation (up to 100% for policies longer than one year), restoration of sum insured after a claim subject to proportionate premium, architect/surveyor fees, debris removal, loss of rent or alternative accommodation and optional valuables cover.
The official page lists wilful or intentional acts, war or invasion, radioactive contamination, pollution or contamination, electrical short-circuiting/arcing/self-heating/leakage, loss of earnings or delay, consequential loss, reduction in market value and claim-preparation costs. The policy wording controls the complete list.
The Insured Declared Value () is the vehicle's current market value and the maximum amount payable for total loss or theft
it is calculated from the manufacturer's listed price after depreciation and varies by vehicle and accessories.
Value awaiting review
A standard comprehensive private-car policy is typically valid for one year
long-term options may be available for two or three years, depending on the cover selected.
Starts at ₹2,094
the quoted premium varies with the selected coverages, vehicle and other quotation factors.
Value awaiting review
Third-party liability and own-damage/comprehensive options vary by the policy selected
add-ons and exclusions are controlled by the policy wording
The comprehensive policy excludes normal wear and tear, consequential loss and depreciation, electrical or mechanical breakdown, use outside the permitted purpose, driving without a valid licence, nuclear or war-related risks, and accidents while under the influence of alcohol or drugs
the selected policy wording controls the complete list.
Home building: the declared and accepted prevailing cost of construction at policy inception, shown in the schedule. Home contents: item/category replacement-cost values shown in the schedule. Annual policies escalate by 10% over the year
multi-year policies increase 10% each year, without extra premium, up to 200% of the inception sum insured.
Value awaiting review
1 to 20 years.
Quote-based
no universal premium amount is published on the reviewed official page. The payable premium depends on the selected building/contents cover, optional covers and policy terms.
Value awaiting review
Building and household-content protection through selected policy sections
insured values, perils and exclusions are policy-specific
The official page lists deliberate/wilful acts, war-like operations, ionising radiation, pollution/contamination, missing or mislaid property, consequential/indirect loss, bullion/unset precious stones/manuscripts/vehicles/explosives, reduced market value after repair/reinstatement and claim-preparation costs. The wording controls the full list.
Published options include ₹2,00,000 for ₹100 premium, ₹4,00,000 for ₹200, ₹10,00,000 for ₹500 and ₹20,00,000 for ₹1,000
premiums include service tax as applicable.
Permanent Indian resident aged 18 to 65 with an Savings Bank Account or Individual Current Account.
Value awaiting review
₹100 for ₹2 lakh cover
₹200 for ₹4 lakh
₹500 for ₹10 lakh
₹1,000 for ₹20 lakh, including applicable service tax as stated on the product page
No waiting period.
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Accidental Death and Permanent Total Disability are mandatory. Selectable combinations can also include Permanent Partial Disability and Temporary Total Disability
one accident pays only the largest admissible benefit, subject to the policy sum insured.
The policy excludes pre-existing disability/disease complications
suicide or self-inflicted injury
sexually transmitted conditions, mental/nervous disorders, anxiety, stress or depression
/
military/armed-forces service
alcohol/drug/intoxicant abuse
felony, riot, crime or civil commotion
aircraft operation/learning or non-passenger aviation
Adults: 18–65 for hospitalization, critical illness, hospital daily cash and personal accident. Children: hospitalization and hospital daily cash from 91 days/1 day to 25 years
critical illness 18–25
personal accident 5–25.
No single fixed duration is published in the reviewed prospectus or policy wording
the certificate or schedule sets the policy period. The prospectus states that the policy can be renewed for lifetime, subject to the product remaining available and policy conditions.
Published rate-chart premiums vary by age band, base sum insured and family/floater combination. Separate tables also price optional maternity/newborn, hospital daily cash, critical-illness and personal-accident benefits
listed amounts are stated excluding unless the table says otherwise.
Critical-illness signs or symptoms must first commence at least 90 days after the policy period starts.
Group health cover can include inpatient hospitalisation, pre/post-hospitalisation, day care, domiciliary care, , organ donor, reinstatement, genetic/internal congenital conditions, / and advanced treatments. Optional covers include maternity/newborn, outpatient, aggregate deductible, co-pay, critical illness, hospital cash and personal accident
schedule-selected limits apply.
The policy excludes or limits non-medically-necessary care, non-listed or experimental treatment, cosmetic procedures except covered accident reconstruction, treatment outside policy terms, and other exclusions and room-charge sub-items listed in the wording and annexures
Section A medical expenses including evacuation and repatriation: $50,000 to $500,000. Personal accident is 10% of the chosen Section A limit, capped at $25,000
travel support is $2,000 on a floater basis.
6 months to 70 years
for Indian residents taking bona fide overseas business or holiday trips, and foreign nationals working in India.
Single trip: 1–180 days and non-renewable. Multi trip: multiple trips within 1 year and renewable yearly.
General publishes a single-trip premium matrix by age band, geography, trip duration and Section A cover. Examples for $50,000 cover: ₹541 (age 6 months–40, worldwide excluding /Canada, 7 days)
₹707 (same age, worldwide, 7 days)
₹1,091 (age 61–70, worldwide, 7 days). The complete 13-page rate chart provides the selectable combinations.
Not applicable
Emergency medical expenses, evacuation and repatriation, personal accident, travel support, personal liability, cash advance, trip delay, loss of passport and home burglary
The lists pre-existing disease, travel against a physician's advice, unlicensed aircraft, specified hazardous or professional sports, certain two-wheeler accidents without the required licence/helmet and breach of law. The policy wording controls the complete exclusion list.
The issued policy schedule sets the commencement and expiry dates. General offers third-party liability-only, package/comprehensive and bundled options
the wording expressly covers policies with a term up to one year and policies with a term longer than one year, so the selected duration is shown on the schedule rather than fixed universally on the product page.
₹538+* in the page title
₹868 in the Key Features table. General does not reconcile the two starting figures on the reviewed page
the final premium depends on vehicle, RTO and selected cover.
No general waiting period is stated for the base two-wheeler package cover. Cover applies during the policy period shown in the schedule
individual add-ons can have their own conditions, such as a 15-day exclusion for certain tyre/rim damage cover and a maximum of two replacements in one annual period.
Third-party liability and own-damage/comprehensive options, with add-ons and exclusions controlled by the selected policy
Mechanical/electrical breakdown
alcohol or drug-impaired riding
normal wear and tear
inactive policy
unlawful activity such as racing
incidents outside the geographic boundaries
war
minor or unlicensed rider
insured-person injury/death while riding
and riding without a helmet. The policy wording controls the complete list.
Green marks the most favourable compatible published number or range in each column; incomparable units and overlapping range trade-offs remain neutral. It does not account for eligibility, service, exclusions or personal suitability.