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Accident Care Individual Insurance Policy

Individual or family personal-accident cover underwritten by Star Health, with accidental death, permanent and temporary disablement, cumulative bonus and optional medical, hospital-cash and home-convalescence benefits.

InsurerAccident Care Individual Insurance is offered by Star Health and Allied Insurance Co. Ltd. through Bank of Baroda's insurance distribution channel.Policy typeIndividual personal-accident policy; Star Health also publishes a family/floater basis with spouse and dependent children.InsurerStar Health and Allied Insurance Company Limited.
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Quick eligibility check

Accident Care Individual Insurance Policy

0 of 9 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Are you aged 18 to 70?

Published source: Entry age

2Do you meet this requirement: dependent children can be covered from 5 months to 25 years under family cover?

Published source: Entry age

3Does your age meet this requirement: Entry age is 18 to 70 years?

4Do you meet this requirement: Dependent children may be covered from 5 months?

5Does your age meet this requirement: family coverage includes the insured, spouse and dependent children aged 5 months to 25 years?

6Document checkDo you have this required document or proof: Proposal details: name, address, age, occupation, sum insured and income information?

7Document checkDo you have this required document or proof: Claim form for every claim?

8Document checkDo you have this required document or proof: Death claims: death certificate; post-mortem certificate where conducted; FIR, police investigation, viscera/FSL, legal-heir and succession certificates where required?

9Document checkDo you have this required document or proof: Disability claims: government-doctor certificate confirming disability percentage and employer leave certificate where applicable?

0 of 9 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 28 Sept 2026 · active
Accident Care Individual Insurance Policy
Offered byBank of Baroda

Policy cover applies worldwide; distribution and issuance availability must be confirmed through the current insurer or Bank of Baroda channel.

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

InsurerAccident Care Individual Insurance is offered by Star Health and Allied Insurance Co. Ltd. through Bank of Baroda's insurance distribution channel.View source
The official overview identifies Star Health and Allied Insurance as the insurer.
Source
Accident Care Individual Insurance Policy
Page / section
Overview
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Policy typeIndividual personal-accident policy; Star Health also publishes a family/floater basis with spouse and dependent children.View source
The current insurer page says the policy can be availed on an individual or floater basis and describes spouse and dependent children under family cover.
Source
Accident Care Individual Insurance Policy — current Star Health product page
Page / section
Plan Essentials — Policy Type
Accessed
28 Sept 2026
Confidence
high
Open official source ↗
InsurerStar Health and Allied Insurance Company Limited.Effective 1 Jan 2024View source
The policy defines the Company as Star Health and Allied Insurance Company Limited.
Source
Accident Care Individual Insurance Policy — Star Health policy wording V.13 (2024)
Page / section
Page 1 — definitions and company
Accessed
28 Sept 2026
Confidence
high
Open official source ↗
Entry ageAdults aged 18–70 years; dependent children can be covered from 5 months to 25 years under family cover.View source
The insurer publishes 18–70 years for individuals and dependent children from 5 months to 25 years.
Source
Accident Care Individual Insurance Policy — current Star Health product page
Page / section
Plan Essentials — Entry Age
Accessed
28 Sept 2026
Confidence
high
Open official source ↗
Sum insured / coverMinimum ₹1,00,000, increased in ₹10,000 multiples; the maximum varies with the insured person's earning capacity.View source
The current page publishes the ₹1,00,000 minimum, ₹10,000 increments and earning-capacity basis for the maximum.
Source
Accident Care Individual Insurance Policy — current Star Health product page
Page / section
Important Highlights — Sum Insured
Accessed
28 Sept 2026
Confidence
high
Open official source ↗
Key coverageTable 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.View source
The insurer page states the Table A/B/C structure and publishes 100%, 150% and 1%/₹15,000/100-week limits.
Source
Accident Care Individual Insurance Policy — current Star Health product page
Page / section
Important Highlights — Policy Benefit, Accidental Death, Permanent Total Disablement and Temporary Total Disablement
Accessed
28 Sept 2026
Confidence
high
Open official source ↗
Additional benefitsCumulative bonus is 5% of sum insured for each claim-free year up to 50%. Additional benefits include an education grant of ₹10,000 per child for up to two dependent children (maximum ₹20,000), ambulance or mortal-remains transport up to ₹5,000, relative travel at 1% of sum insured up to ₹50,000, vehicle/residence modification up to 10% of Table B/C sum insured capped at ₹50,000, blood purchase up to 5% capped at ₹10,000 and imported medicines up to 5% capped at ₹20,000.Effective 1 Jan 2024View source
The policy gives each additional-benefit percentage, cap and child-grant condition in its Additional Benefits section.
Source
Accident Care Individual Insurance Policy — Star Health policy wording V.13 (2024)
Page / section
Pages 2–3 — Additional Benefits
Accessed
28 Sept 2026
Confidence
high
Open official source ↗
Policy termOne-year, two-year and three-year policy terms are published in the premium matrix.View source
The insurer publishes separate one-, two- and three-year premium matrices.
Source
Accident Care Individual Insurance Policy — current Star Health product page
Page / section
Premium excluding tax — 1 Year, 2 Year and 3 Year Policy
Accessed
28 Sept 2026
Confidence
high
Open official source ↗
PremiumPremium 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.View source
The official page publishes all nine cover/risk-group rows for each of the one-, two- and three-year terms.
Source
Accident Care Individual Insurance Policy — current Star Health product page
Page / section
Premium excluding tax — risk-group matrices
Accessed
28 Sept 2026
Confidence
high
Open official source ↗
Waiting periodNo initial or specific waiting period applies under the policy wording's customer information sheet.Effective 1 Jan 2024View source
The policy's says no waiting periods are applicable for the initial and specific waiting-period entries.
Source
Accident Care Individual Insurance Policy — Star Health policy wording V.13 (2024)
Page / section
Customer Information Sheet — Waiting Periods, page 1
Accessed
28 Sept 2026
Confidence
high
Open official source ↗
Key exclusionsThe policy excludes pre-existing conditions; intentional self-injury, suicide/attempted suicide, intoxicants and self-endangerment; mental disorder, sexually transmitted conditions and HIV/AIDS-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; the complete wording controls.Effective 1 Jan 2024View source
The full policy lists exclusions 1–14, including other excluded expenses referred to on the insurer website.
Source
Accident Care Individual Insurance Policy — Star Health policy wording V.13 (2024)
Page / section
Pages 3–4 — General Exclusions
Accessed
28 Sept 2026
Confidence
high
Open official source ↗
Geographic limitsWorldwide policy cover.Effective 1 Jan 2024View source
The policy states: Geographical Scope: The insurance cover applies Worldwide.
Source
Accident Care Individual Insurance Policy — Star Health policy wording V.13 (2024)
Page / section
Page 4 — Geographical Scope
Accessed
28 Sept 2026
Confidence
high
Open official source ↗
Accident coversAccidental death, permanent total and permanent partial disablement, temporary total disablement, educational grant, ambulance/mortal-remains transport, relative travel, vehicle/residence modification, blood purchase, imported medicines, and optional medical expenses, hospital cash and home convalescence.View source
The current insurer page publishes the headline cover and additional-benefit list.
Source
Accident Care Individual Insurance Policy — current Star Health product page
Page / section
Detailed List — Important Highlights and Additional Benefits
Accessed
28 Sept 2026
Confidence
high
Open official source ↗
Bonus and education grantCumulative bonus is 5% of sum insured for each claim-free year up to 50%. An education grant of ₹10,000 per child is available for up to two dependent children below 18, capped at ₹20,000.Effective 1 Jan 2024View source
The policy publishes the 5%/50% bonus and ₹10,000 per child, maximum ₹20,000, education grant conditions.
Source
Accident Care Individual Insurance Policy — Star Health policy wording V.13 (2024)
Page / section
Pages 2–3 — Educational Grant and Cumulative Bonus
Accessed
28 Sept 2026
Confidence
high
Open official source ↗
Entry and family eligibilityIndividuals aged 18–70 can avail the policy. Family/floater cover can include the insured, spouse and dependent children aged 5 months to 25 years; the maximum sum insured varies with earning capacity.View source
The insurer page publishes the adult, dependent-child and family-cover rules and ties the maximum sum insured to earning capacity.
Source
Accident Care Individual Insurance Policy — current Star Health product page
Page / section
Plan Essentials — Entry Age and Policy Type; Important Highlights — Sum Insured
Accessed
28 Sept 2026
Confidence
high
Open official source ↗

Benefits and features

  • Accidental death
  • permanent or temporary disablement
  • ambulance
  • transportation of mortal remains
  • home convalescence

Eligibility

  • Entry age is 18 to 70 years. Dependent children may be covered from 5 months
  • family coverage includes the insured, spouse and dependent children aged 5 months to 25 years. Sum insured is based on monthly income from gainful employment as prescribed by the insurer.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

  • Proposal details: name, address, age, occupation, sum insured and income information.
  • Claim form for every claim.
  • Death claims: death certificate; post-mortem certificate where conducted; , police investigation, viscera/FSL, legal-heir and succession certificates where required.
  • Disability claims: government-doctor certificate confirming disability percentage and employer leave certificate where applicable.
  • Travel or modification benefits: original expense proof, doctor certificate, workshop/civil-engineer estimate and completion receipts where applicable.
  • Optional medical expense claims: discharge summary, medical reports, original invoices/bills and payment receipts.
  • Hospital cash or home convalescence: discharge summary, treating-doctor recommendation and attendant payment receipt.
  • The insurer may request additional documents and identity/address proof.

Related official documents

Accident Care Individual Insurance Policy — current Bank of Baroda product pageofficial-product-page · current · accessed 7 Sept 2026
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Accident Care — cached official Bank of Baroda artwork routeofficial-product-image · cached-official-asset · accessed 28 Sept 2026
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Accident Care Individual Insurance Policyofficial-product-page · current · accessed 29 Aug 2026
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Accident Care Individual Insurance Policy — historic Bank of Baroda route returned 404official-product-page · inaccessible · accessed 28 Sept 2026
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Accident Care Individual Insurance Policy — Star Health policy wording V.13 (2024)official-policy-pdf · current · accessed 7 Sept 2026
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Accident Care Individual Insurance Policy — Star Health policy wording V.13 (2024)official-policy-pdf · current · accessed 28 Sept 2026
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Accident Care Individual Insurance Policy — current Star Health product pageofficial-product-page · current · accessed 28 Sept 2026
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Plan before applying

Try the numbers

Private, instant and based on the values you enter.

Try your numbers

Life-cover needs estimate

See whether your current cover and savings may leave a gap for your family. This does not calculate an insurance premium.

Possible cover gap₹1,15,00,000one crore fifteen lakh rupees
Income your family may need₹1,00,00,000one crore rupees
Cover and savings already counted₹5,00,000five lakh rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

Table A · Published detailAccidental death.

This value is copied from Accident Care Individual — cover structure and limits. Check the table notes before relying on it.

Source: Accident Care Individual Insurance Policy — current Star Health product page · Important Highlights — Sum Insured, Policy Benefit, Accidental Death, Permanent Total Disablement and Temporary Total Disablement Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 8 rows · 2 columnsAccident Care Individual — cover structure and limitsThe current insurer page's Table A/B/C structure and headline cover limits.View tableHide table

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Accident Care Individual — cover structure and limits
Cover or planPublished detail
Table AAccidental death.
Table BAccidental death and permanent disablement.
Table CAccidental death, permanent disablement and temporary total disablement.
Accidental death100% of sum insured plus cumulative bonus.
Permanent total disablement150% of sum insured plus cumulative bonus calculated on 100% of sum insured.
Permanent partial disablementSpecific percentage of sum insured in policy Table B2.
Temporary total disablement1% of sum insured per completed week under Table C, maximum ₹15,000 per week, up to 100 weeks.
Sum insuredMinimum ₹1,00,000; ₹10,000 multiples; maximum varies with earning capacity.
  • The distribution route was separately checked and returned 404 on 2026-09-28; these limits are from the current insurer page.
Accident Care Individual Insurance Policy — current Star Health product page · Important Highlights — Sum Insured, Policy Benefit, Accidental Death, Permanent Total Disablement and Temporary Total Disablement · accessed 28 Sept 2026Open official source ↗
Table 2 · 9 rows · 2 columnsAccident Care Individual — waiting period, claims and policy conditionsMaterial policy terms from the current six-page Star Health wording.View tableHide table

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Accident Care Individual — waiting period, claims and policy conditions
TopicPublished policy term
Waiting periodNo initial or specific waiting period applies.
Claim intimationNotify an event that may give rise to a claim within 30 days; submit the claim within one month after treatment or mortal-remains transport/burial.
Claim settlementBenefits are payable within 7 days after receipt of all documents required by the company.
Geographical scopeWorldwide.
Free-look30 days for a new individual policy; not for renewal or porting/migration, subject to stated deductions.
Renewal grace30 days after expiry; continuity is allowed if renewed within the grace period, but no cover applies between expiry and payment.
CancellationInsurer may cancel with 15 days' written notice for stated grounds; insured cancellation follows the short-period scale if no claim has occurred.
Two- and three-year termsSum insured and period-related benefits are limited separately for each year; no carry-over.
PaymentsClaims are payable in Indian rupees only.
  • Full policy wording and endorsements control; the table is a concise publication of the material clauses.
Accident Care Individual Insurance Policy — Star Health policy wording V.13 (2024) · Pages 1 and 3–5 — , General Conditions, Geographical Scope, Free Look, Renewal and Cancellation · effective 1 Jan 2024 · accessed 28 Sept 2026Open official source ↗
Table 3 · 10 rows · 2 columnsAccident Care Individual — additional benefitsAdditional benefits published in the current Star Health product page and policy wording.View tableHide table

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Accident Care Individual — additional benefits
BenefitLimit or condition
Educational grant₹10,000 per child for up to two dependent children below 18; maximum ₹20,000.
Ambulance or mortal-remains transport₹5,000 during the policy period, outside the insured's residence.
Travel for one relative1% of sum insured, subject to actual expense and maximum ₹50,000.
Vehicle/residence modificationUp to 10% of Table B/C sum insured, maximum ₹50,000, after eligible claim and Indian certified work.
Purchase of bloodUp to 5% of relevant sum insured, maximum ₹10,000, whichever is less.
Imported medicinesUp to 5% of total sum insured, maximum ₹20,000; medicine must be necessary and unavailable in India.
Cumulative bonus5% of sum insured for each claim-free year, maximum 50%.
Medical expenses extension25% of valid claim, 10% of total sum insured or actuals, whichever is less; overall limit ₹5,00,000 per policy period.
Hospital cash₹1,000 per completed hospital day; maximum 15 days per occurrence and 60 days per policy period; hospitalisation within 30 days of accident.
Home convalescence₹500 per completed day, maximum 15 days per occurrence and 60 days per policy period, with doctor's recommendation.
  • Optional benefits require additional premium and must be shown in the policy schedule where the policy wording says so.
Accident Care Individual Insurance Policy — Star Health policy wording V.13 (2024) · Pages 2–3 — Additional Benefits and Optional Benefits · effective 1 Jan 2024 · accessed 28 Sept 2026Open official source ↗
Table 4 · 9 rows · 5 columnsAccident Care Individual — premium excluding taxPremium per ₹1,000 sum insured (per mille), by policy term, cover table and risk group.View tableHide table

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Accident Care Individual — premium excluding tax
TermCover tableRisk Group IRisk Group IIRisk Group III
1 yearTable A₹0.43₹0.60₹0.80
1 yearTable B₹0.70₹1.30₹1.75
1 yearTable C₹1.25₹1.75₹2.00
2 yearsTable A₹0.83₹1.16₹1.54
2 yearsTable B₹1.35₹2.51₹3.38
2 yearsTable C₹2.41₹3.38₹3.86
3 yearsTable A₹1.20₹1.68₹2.24
3 yearsTable B₹1.96₹3.63₹4.89
3 yearsTable C₹3.49₹4.89₹5.59
  • Rates exclude tax and are per mille (per thousand) of sum insured. Risk Group I is primarily administrative; Group II is manual work other than Group III; Group III covers specified hazardous occupations.
Accident Care Individual Insurance Policy — current Star Health product page · Premium excluding tax — lines 625–659 · accessed 28 Sept 2026Open official source ↗
Table 5 · 4 rows · 2 columnsAccident Care Individual — optional-benefit premiumPublished additional premium for optional benefits.View tableHide table

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Accident Care Individual — optional-benefit premium
Optional benefitPublished premium
Medical Expenses Extension10% of final premium per year per person
Winter Sports and Rallies100% of policy premium per person
Hospital Cash₹40 per year per person
Home Convalescence₹15 per year per person
  • Final premium means basic premium plus premium for other extensions; policy premium means basic premium plus opted benefits.
Accident Care Individual Insurance Policy — current Star Health product page · Premium for Optional Benefits — lines 660–668 · accessed 28 Sept 2026Open official source ↗
Table 6 · 17 rows · 2 columnsAccident Care Individual — permanent total disablement Table B1Complete PTD Table B1 from the current six-page policy wording.View tableHide table

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Accident Care Individual — permanent total disablement Table B1
Loss or disablementPercentage of sum insured
Permanent total disablement as defined in the policy150%
Sight of both eyes100%
Physical separation of two entire hands100%
Physical separation of two entire feet100%
One entire hand and one entire foot100%
Sight of one eye and loss of one hand100%
Sight of one eye and loss of one entire foot100%
Use of two hands100%
Use of two feet100%
Use of one hand and one foot100%
Sight of one eye and use of one hand100%
Sight of one eye and use of one foot100%
Sight of one eye50%
Physical separation of one entire hand50%
Physical separation of one entire foot50%
Use of one hand without physical separation50%
Use of one foot without physical separation50%
  • The policy definition of and the conditions around the accident and claim period control.
Accident Care Individual Insurance Policy — Star Health policy wording V.13 (2024) · Page 5 — Permanent Total Disablement Table B1 · effective 1 Jan 2024 · accessed 28 Sept 2026Open official source ↗
Table 7 · 16 rows · 2 columnsAccident Care Individual — permanent partial disablement Table B2Complete PPD Table B2 from the current six-page policy wording.View tableHide table

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Accident Care Individual — permanent partial disablement Table B2
Loss or disablementPercentage of sum insured
Loss of all toes20%
Loss of great toe — both phalanges5%
Loss of great toe — one phalanx2%
Loss of each other toe when more than one is lost1% per toe
Loss of hearing — both ears75%
Loss of hearing — one ear30%
Loss of four fingers and thumb of one hand40%
Loss of four fingers35%
Loss of thumb — both phalanges25%
Loss of thumb — one phalanx10%
Loss of index finger — three/two/one phalanges10% / 8% / 4%
Loss of middle finger — three/two/one phalanges6% / 4% / 2%
Loss of ring finger — three/two/one phalanges5% / 4% / 2%
Loss of little finger — three/two/one phalanges4% / 3% / 2%
Loss of metacarpals — first or second / additional third to fifth3% / 2%
Any other permanent partial disablementPercentage assessed by medical board or government doctor
  • The policy defines loss of foot, hand, eye, thumb and index finger; the complete wording controls claim applicability.
Accident Care Individual Insurance Policy — Star Health policy wording V.13 (2024) · Page 5 — Permanent Partial Disablement Table B2 · effective 1 Jan 2024 · accessed 28 Sept 2026Open official source ↗
Table 8 · 10 rows · 2 columnsAccident Care Individual — claim documentsClaim documents listed in the current policy wording; the insurer may request additional evidence.View tableHide table

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Accident Care Individual — claim documents
Claim or benefitDocuments listed
Every claimDuly completed claim form; identity and address proof of proposer; additional documents if required.
DeathDeath certificate; post-mortem if conducted; , police investigation, viscera/FSL, legal-heir and succession certificates where required.
DisabilityGovernment doctor certificate from at least Civil Surgeon confirming disability percentage; employer leave certificate where applicable.
Travel for one relativeOriginal proof of expenses incurred.
Vehicle/residence modificationDoctor certificate, workshop/civil-engineer estimate and cash receipts for completed work.
Blood or imported medicinesOriginal blood receipt; treating-doctor prescription and confirmation of unavailability in India; freight receipt and invoice.
Education grantDeath certificate and school certificate confirming the child's study.
Ambulance/mortal remainsDeath certificate or proof of hospitalisation and proof of ambulance/mortuary-van service.
Medical expenses extensionOriginal discharge summary, medical reports, invoices/bills and payment receipts.
Hospital cash/home convalescenceDischarge summary, treating-doctor attendant recommendation and attendant payment receipt.
  • The insurer reserves the right to call for additional documents; settlement is stated as within 7 days after receiving all required documents.
Accident Care Individual Insurance Policy — Star Health policy wording V.13 (2024) · Pages 3–4 — General Conditions and documents to be submitted · effective 1 Jan 2024 · accessed 28 Sept 2026Open official source ↗

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