1. Star Health and Allied Insurance Co. Ltd. Presentation on Accident Care Presentation on ACCIDENT CARE

2. Star Health and Allied Insurance Co. Ltd. Presentation on Accident CareACCIDENT ?

3. Star Health and Allied Insurance Co. Ltd. Presentation on Accident Care

4. Star Health and Allied Insurance Co. Ltd. Presentation on Accident Care

5. Star Health and Allied Insurance Co. Ltd. Presentation on Accident Care

6. Star Health and Allied Insurance Co. Ltd. Presentation on Accident Care

7. Star Health and Allied Insurance Co. Ltd. Presentation on Accident Care

8. Star Health and Allied Insurance Co. Ltd. Presentation on Accident Care

9. Star Health and Allied Insurance Co. Ltd. Presentation on Accident Care

10. 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

11. Star Health and Allied Insurance Co. Ltd. Presentation on Accident Care Covers Accidental Death Disablement

12. 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.

13. Star Health and Allied Insurance Co. Ltd. Presentation on Accident Care Table of Benefits Table IDeath Cover Only Table IIDeath + Permanent Total Disablement (PTD) + Permanent Partial Disablement (PPD) Table IIIDeath + Permanent Total Disablement (PTD) + Permanent Partial Disablement (PPD) + Temporary Total Disablement (TTD)

14. 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

15. 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

16. Star Health and Allied Insurance Co. Ltd. Presentation on Accident Care Table II : Percentage of Compensation Payable BenefitsBenefits 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%

17. Star Health and Allied Insurance Co. Ltd. Presentation on Accident Care Table II : Percentage of Compensation Payable (contd.) BenefitsBenefits 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% 50%

18. Star Health and Allied Insurance Co. Ltd. Presentation on Accident Care Table II : Percentage of Compensation Payable (contd.) BENEFITSPercentage 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 8 4

19. Star Health and Allied Insurance Co. Ltd. Presentation on Accident Care Table II : Percentage of Compensation Payable (contd.) BENEFITSPercentage 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

20. 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

21. 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)

22. Star Health and Allied Insurance Co. Ltd. Presentation on Accident Care Risk Groups Risk Group IPersons engaged primarily in administrative functions Risk Group IIPersons engaged in manual work other than what is specifically provided under Group III Risk Group IIIPersons working in explosives industry, mine and / or magazine workers, high tension supply, horse racing including jockeys, athletes and occupations of similar hazard.

23. Star Health and Allied Insurance Co. Ltd. Presentation on Accident Care Premium Rating COVERAGE / RISK GROUP GROUP 1GROUP 2GROUP 3 Table I0.450.600.80 Table II0.801.301.75 Table III1.25 1.752.00 Note: Rate provided is “Per Mille” i.e., Per Thousand

24. 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)

25. Star Health and Allied Insurance Co. Ltd. Presentation on Accident Care Group Discount Group SizeDiscount on Premium 2 – 1005% 101 – 100010% 1001 – 500012.5% 5001 – 1000015% Above 1000020% Group Discount Applicable to Accident Care (Group) Policies

26. 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.

27. 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

28. 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 %.

29. 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.

30. Star Health and Allied Insurance Co. Ltd. Presentation on Accident Care Major Exclusions Any 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.

31. Star Health and Allied Insurance Co. Ltd. Presentation on Accident Care Claims Procedure Document 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

32. 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)

33. Star Health and Allied Insurance Co. Ltd. Presentation on Accident Care Thank You