Road Accident Prevention PowerPoint Presentation with Photos
Star Health and Allied Insurance Co. Ltd. Presentation on Accident Care Presentation on ACCIDENT...
-
Upload
colleen-harrison -
Category
Documents
-
view
218 -
download
3
Transcript of Star Health and Allied Insurance Co. Ltd. Presentation on Accident Care Presentation on ACCIDENT...
Star Health and Allied Insurance Co. Ltd.
Presentation on Accident Care
Presentation on
ACCIDENT CARE
Star Health and Allied Insurance Co. Ltd.
Presentation on Accident Care
ACCIDENTACCIDENT
?
Star Health and Allied Insurance Co. Ltd.
Presentation on Accident Care
Star Health and Allied Insurance Co. Ltd.
Presentation on Accident Care
Star Health and Allied Insurance Co. Ltd.
Presentation on Accident Care
Star Health and Allied Insurance Co. Ltd.
Presentation on Accident Care
Star Health and Allied Insurance Co. Ltd.
Presentation on Accident Care
Star Health and Allied Insurance Co. Ltd.
Presentation on Accident Care
Star Health and Allied Insurance Co. Ltd.
Presentation on Accident Care
Star Health and Allied Insurance Co. Ltd.
Presentation on Accident Care
Accident Means
Not only Road/Rail or Travel accidents but also includes
• Accidental Fall
• Electric Shock
• Snake Bite
• Drowning in Water
Star Health and Allied Insurance Co. Ltd.
Presentation on Accident Care
Covers
Accidental Death
Disablement
Star Health and Allied Insurance Co. Ltd.
Presentation on Accident Care
Age Limits
Available for Persons aged between 18 years and 70 years.
Children from 3 years can be covered under family package when atleast any one of the parents are covered.
Star Health and Allied Insurance Co. Ltd.
Presentation on Accident Care
Table of BenefitsTable I Death Cover Only
Table II Death
+
Permanent Total Disablement (PTD)
+
Permanent Partial Disablement (PPD)
Table III Death
+
Permanent Total Disablement (PTD)
+
Permanent Partial Disablement (PPD)
+
Temporary Total Disablement (TTD)
Star Health and Allied Insurance Co. Ltd.
Presentation on Accident Care
Table I : Accidental Death
Covers Death of the Insured Person
Death occurring within 12 Months from the date of Accident
Compensation payable is 100% of Capital Sum Insured
Star Health and Allied Insurance Co. Ltd.
Presentation on Accident Care
Table II : Accidental Death + PTD + PPD
Death Cover - As per Table I
Disablement cover• The disablement should occur within 12
Calendar months from the date of the Accident• The disablement is confirmed and claimed for,
prior to the expiry of a period of 60 days since occurrence of the disablement
Star Health and Allied Insurance Co. Ltd.
Presentation on Accident Care
Table II : Percentage of Compensation Payable
Benefits Benefits Percentage of Sum Insured
1. Death
2. Permanent Total Disablement
Total and irrevocable loss of
a. Sight of both eyes
b. Physical separation of two entire hands
c. Physical separation of two entire foot
d. One entire hand and one entire foot
e. Sight of one eye and loss of one hand
f. Sight of one eye and loss of one entire foot
100%
100%
100%
100%
100%
100%
100%
100%
Star Health and Allied Insurance Co. Ltd.
Presentation on Accident Care
Table II : Percentage of Compensation Payable (contd.)Benefits Benefits Percentage of Sum Insured
g. Use of two hands
h. Use of two foot
i. Use of one hand and one foot
j. Sight of one eye and use of one hand
k. Sight of one eye and use of one foot
l. Sight of one eye
m. Physical separation of one entire hand
n. Physical separation of one entire foot
o. Use of one hand without physical separation
p. Use of one foot without physical separation
100%
100%
100%
100%
100%
50%
50%
50%
50%
50%
Star Health and Allied Insurance Co. Ltd.
Presentation on Accident Care
Table II : Percentage of Compensation Payable (contd.)
BENEFITS Percentage of Sum Insured
Loss of toes – all
Great - both phalanges
Great - one phalanx
Other than Great, if more than
One toe lost – for each toe
Loss of hearing - both ears
Loss of hearing - one ear
Loss of four fingers and thumbs of One hand
Loss of four fingers
Loss of thumb - both phalanges
- One phalanx
Loss of index finger - three phalanges
- Two phalanges
- One Phalanx
20
5
2
1
75
30
40
35
25
10
10
8
4
Star Health and Allied Insurance Co. Ltd.
Presentation on Accident Care
Table II : Percentage of Compensation Payable (contd.)BENEFITS Percentage of Sum
Insured
Loss of middle finger - Three phalanges
- Two phalanges
- One phalanx
Loss of ring finger - Three phalanges
- Two phalange
- One phalanx
Loss of little finger - three phalanges
- Two phalanges
- One phalanx
Loss of metacarpals - first or second (Additional)
Third, fourth or Fifth (Additional)
Any other permanent partial disablement
6
4
2
5
4
2
4
3
2
3
2
Percentage as assessed by the panel Doctor of the Company
Star Health and Allied Insurance Co. Ltd.
Presentation on Accident Care
Table III Accidental Death+PTD+PPD+TTD
Death Cover - As per Table I
Death+PTD+PPD Cover- As per Table II
TTD Cover• Weekly compensation @ 1% of the Sum Insured not
exceeding Rs. 5000 per week
Star Health and Allied Insurance Co. Ltd.
Presentation on Accident Care
Capital Sum Insured Maximum Limit
TABLE I - 75 Times of monthly income
TABLE II - 60 Times of monthly income
TABLE III - 24 Times of monthly income
(Table III cover can be given only with the approval of Corporate Office)
Star Health and Allied Insurance Co. Ltd.
Presentation on Accident Care
Risk GroupsRisk Group I Persons engaged primarily in
administrative functions
Risk Group II Persons engaged in manual work other than what is specifically provided under Group III
Risk Group III Persons working in explosives industry, mine and / or magazine workers, high tension supply, horse racing including jockeys, athletes and occupations of similar hazard.
Star Health and Allied Insurance Co. Ltd.
Presentation on Accident Care
Premium RatingCOVERAGE / RISK GROUP
GROUP 1 GROUP 2 GROUP 3
Table I 0.45 0.60 0.80
Table II 0.80 1.30 1.75
Table III 1.25 1.75 2.00
Note: Rate provided is “Per Mille” i.e., Per Thousand
Star Health and Allied Insurance Co. Ltd.
Presentation on Accident Care
Additional Benefits
Educational Grant – Rs.5000 per Child below 18 years maximum Rs.10000
Transportation of Mortal Remains – Rs.3000 if Accident outside the place of Residence
Travel Expenses for Relative – Actual Travel Expenses, maximum of Rs.1000 (Relative means spouse, children, parents, siblings or in-laws)
Star Health and Allied Insurance Co. Ltd.
Presentation on Accident Care
Group Discount
Group Size Discount on Premium
2 – 100 5%
101 – 1000 10%
1001 – 5000 12.5%
5001 – 10000 15%
Above 10000 20%
Group Discount Applicable to Accident Care (Group) Policies
Star Health and Allied Insurance Co. Ltd.
Presentation on Accident Care
Medical Expenses Extension
ADDITIONAL PREMIUM - 10%
COVERAGE 25% of valid claim under P.A. or the Actual Medical
Expenses incurred because of Accident, which ever is less subject to a maximum of 10% of Capital Sum Insured.
Star Health and Allied Insurance Co. Ltd.
Presentation on Accident Care
Restricted Cover
On-duty cover : @75% of Applicable Premium
Off-duty Cover : @50% of Applicable Premium
Star Health and Allied Insurance Co. Ltd.
Presentation on Accident Care
Cumulative Bonus
Applicable for Death and PTD cover only.
5 % increase in Capital Sum Insured for every claim free year.
Maximum 50 %.
Star Health and Allied Insurance Co. Ltd.
Presentation on Accident Care
Transfer of Policy Documents required for granting Cumulative Bonus (a) Renewal Notice with Cumulative Bonus details• Cumulative Bonus as shown in the Renewal Notice is
given
(b) No Renewal Notice or Renewal Notice without Cumulative Bonus details
• Cumulative Bonus as shown in the Previous Policy is given
• If a declaration stating No Claim under the expiring policy is obtained from the insured, eligible Cumulative Bonus will be given
Note: To obtain the above mentioned benefits there should be a continuous renewal without break.
Star Health and Allied Insurance Co. Ltd.
Presentation on Accident Care
Major ExclusionsAny Claim,
In Respect of Pre Existing Conditions.If the Insured acts against the advice of the Physician.Whilst under the influence of intoxicating liquor or drugs.Arising out of mental diseases, suicide or attempted suicide, self inflicted injuries or sexually transmitted conditions, anxiety, etc.Due to participation in hazardous sport / activities.By persons who are physically and mentally challenged unless specifically agreed and endorsed in the policy.
Note: For a detailed list kindly refer the policy conditions.
Star Health and Allied Insurance Co. Ltd.
Presentation on Accident Care
Claims ProcedureDocument to be submitted in case of Death Claims
Completed Claim form
Death certificate, Panchanama
FIR, wherever applicable
Postmortem report
In the absence of assignment, Legal Heir ship Certificate/Succession Certificate / Will duly probated
Original Policy, if issued for Individual
Coroner’s Report/Police Inquest Report
Star Health and Allied Insurance Co. Ltd.
Presentation on Accident Care
Claims Procedure (Contd.)
Document to be submitted in case of Disablement Claims
Original Policy
Disability Certificate from the attending Doctor confirming the %age of disability.
Photo of the person indicating the disability.
Completed claim form
FIR, Wherever applicable
Employer’s Certificate for the period of absence from duty (for TTD Claims)
Star Health and Allied Insurance Co. Ltd.
Presentation on Accident Care
Thank You