SHRIRAM SMART SURAKSHA CARD - Suraksha apni jeb mein

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Star Shri Individual Care Insurance (UIN: 129/128CP001V01) is a product that provides for regular hospitalization benefits like any other medical insurance policy under section 1. Moreover, this product also provides for payment of lump-sum in the event of death, under section 2. Coverage under Section 1 is provided by Star Health and Allied Insurance Co. Ltd., and coverage under Section 2 is provided by Shriram Life Insurance Co.Ltd.



Other Benefits

Hospitalization Cover:In-patient hospitalization expenses for a minimum of 24 hours. Includes room rent and boarding at 2% of sum insured subject to a maximum of Rs.4000/- per day.

Nursing Expenses.

Maturity sum assured.

Surgeon’s fees, Consultant’s fees, Anesthetist’s and specialist’s fees.

Cost of medicines and drugs.

Emergency ambulance charges for transporting the insured patient to the hospital up to a sum of Rs.750/- per hospitalization and overall limit of Rs.1500/- per policy period.


Death Benefit

Pure Term Life Insurance Cover: Lump-sum in the event of death.

  • It pays the nominee the stated sum assured in case of death of the policyholder during the policy term of the contract.
  • Waiting Period:A waiting period of 90 days from the date of acceptance of the policy. Only accidental death benefits are covered during this period. In this period, no death benefit is payable in case of death due to other causes. After the expiry of this period, death due to any causes (subject to mandatory exclusions) are payable.
  • Policy term: 60 yrs less age at entry (fixed).


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RIDERS (Add Ons)

No riders available.



  • For more details on the risk factors, terms and conditions please read the sales brochure and/or sample policy document on our website carefully and/or consult our advisor.
  • Tax benefits are subject to change as per tax laws. Please consult your tax consultant on tax benefits.