Star Student Care Insurance

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Star Student Care Insurance

	Objective			This is policy aims to cover school and college students against accidental mishaps.
Suited for			This policy is suitable for school and college students.
What does it do?			It pays in the event of death and partial or total permanent disability caused due to an accident. The policy will pay the sum insured as chosen by the policyholder at the time of buying the policy. The policy also provides hospitalisation cover that includes outpatient treatment benefit. In case of death or permanent disablement of earning parent, the insurer extends an Education Grant to the child upto the limit stated in policy document.
Pros			It offers free hospitalisation cover worth Rs 5,000.
Cons			Hospitalisation benefit and education grant are very small amounts which may not be sufficient.
Our View			Some personal accident policies have a provision to cover children if both parents are covered under the same policy. If your child is already covered under such a plan, there is no need to go for this policy. Personal accident policies offer coverage wider than this policy. Thus it is wiser to select personal accident policy over this. Before buying such a policy make sure the benefits fit your needs.
Eligibility
Entry Age (years)
Minimum		3 under School Student Care and 15 under College Student Care Insurance
Maximum		18 under School Student Care and 25 under College Student Care Insurance
Maximum Policy Renewal Age (years)		25
Coverage Type		School and College Students on an individual basis
Policy Term (years)		1
Sum Insured (Rs)
Maximum		1 lakh for School Students and 2 lakhs for College Students
Minimum		50000 for School Sutdents and 75000 for College Students and in multiples of Rs 10000 thereafter
Tax Benefit		Not Available
Customer Service
Address		Star Health and Allied Insurance Company Limited Corporate Office: No.1, New Tank Street, Valluvar Kottam High Road, Nungambakkam, Chennai - 600034.
Mail to		support@starhealth.in, info@starhealth.in
Call to		1800 425 2255/ / 044 2826 3300
SMS		STAR to 56677

 

	Scope of Cover
Accidental Death		Covered; pays Sum Insured
Permanent Total Disablement		Covered
Permanent Partial Disablement		Covered
Hospitalisation Cover		Rs 5000 (inclusive of OPD cover of Rs 1000 for School students and Rs 2000 for college students)
Education Grant in case of death/ disability of earning parent		Rs 5000 for a school student and Rs 10000 for a college student

 

	Exclusions and Waiting Period
Pre-existing condition		Not covered
Physically or mentally challenged people		Not covered
General Exclusions		Accident as a result of drunkenness or addictionSuicideAccident arising out of Nuclear, Biological and chemical terrorism

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