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Starr Urban Cover: Personal Accident Insurance review

Protect against financial implications arising from personal accidents and injuries with Starr Urban Cover.

Starr Urban Cover provides comprehensive coverage against hefty financial implications in the event of a serious accident, so you can enjoy your passions with added peace of mind.

Learn more about Starr Insurance Urban Cover, how it works and which level of cover is most suited to your needs.

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Details

Product NameStarr Urban Cover Personal Accident Insurance
Annual LimitUp to $300,000
Medical expensesUp to $6,000
Lifetime CoverageNo
COVID-19 coverageNo
Eligible Age18-65

Quick verdict

Good for
  • 24/7 worldwide cover
  • No medical examination required
  • Free child coverage when purchasing for both you and your spouse
Not so great for
  • Fewer benefits compared to other insurers’ PA policies
  • Lack of optional add-ons

What is Starr Urban Cover?

Starr Urban Cover is a personal accident insurance plan that provides financial benefits in the case of accidental death, disability and injury, including support for your home mortgage, child tuition fee and utility bills.

There are 3 levels of cover (Bronze, Silver and Gold) under the Starr Urban Cover policy, each with varying protection limits and claim payouts.

However, do bear in mind that a personal accident plan is only designed to cover potential gaps in your existing coverage – not replace your health or life insurance coverage.

What are the different plans available for Starr Urban Cover?

Starr personal accident insurance offers 3 levels of cover: Bronze, Silver and Gold.

  • $100,000 for accidental death and disability
  • $2,000 for accidental medical cover
  • $50 for accidental hospital income
  • $300 for mobility aid
  • $500 for home renovation
  • $100 weekly income benefit (up to 6 months)
  • $1,000 monthly home mortgage loan reimbursement (up to 6 months)
  • $500 monthly credit card bill reimbursement (up to 3 months)
  • $50 monthly utility expense reeimbursement
  • $500 monthly parental/family allowance
  • $500 monthly child tuition fee reimbursement
  • $200,000 for accidental death and disability
  • $4,000 for accidental medical cover
  • $100 for accidental hospital income
  • $500 for mobility aid
  • $1,000 for home renovation
  • $200 weekly income benefit (up to 6 months)
  • $2,000 monthly home mortgage loan reimbursement (up to 6 months)
  • $1,000 monthly credit card bill reimbursement (up to 3 months)
  • $100 monthly utility expense reeimbursement
  • $1,000 monthly parental/family allowance
  • $700 monthly child tuition fee reimbursement
  • $300,000 for accidental death and disability
  • $6,000 for accidental medical cover
  • $150 for accidental hospital income
  • $600 for mobility aid
  • $3,000 for home renovation
  • $300 weekly income benefit (up to 6 months)
  • $2,500 monthly home mortgage loan reimbursement (up to 6 months)
  • $3,000 monthly credit card bill reimbursement (up to 3 months)
  • $150 monthly utility expense reeimbursement
  • $1,250 monthly parental/family allowance
  • $1,000 monthly child tuition fee reimbursement

How do the features for Starr personal accident insurance compare?

Here’s a side-by-side comparison of benefits for each level of cover:

Benefits summaryBronze planSilver planGold plan
Personal accident benefits
Accidental death and disability coverage$100,000$200,000$300,000
Accidental medical coverage$2,000$4,000$6,000
Accidental hospital income$50$100$150
Mobility aid$300$500$600
Home renovation$500$1,000$3,000
Financial relief
Weekly income benefit
*Weekly payout, up to a maximum of 6 months
$100$200$300
Home mortgage loan reimbursement
*Monthly payout, up to a maximum of 6 months
$1,000$2,000$2,500
Credit card bill reimbursement
*Monthly payout, up to a maximum of 3 months
$500$1,000$3,000
Family assistance
Utility expense reimbursement
*Monthly payout
$50

$100

$150
Parental/family allowance
*Monthly payout
$500

$1,000

S$1,250
Child tuition fee reimbursement
*Monthly payout
$500

    $700

    $1,000

    *Information provided in the table is accurate as of 18 July 2022

    Self & spouse cover

    If you and your spouse enroll for the policy at the same time, your child (between 6 months to 25 years old) will be entitled to free coverage up to 25% of the adults’ sum insured. Do note that both self and spouse are required to select the same policy tier.

    Premium rates

    Starr Insurance doesn’t readily publish the premium rate table for its Urban Cover policy as the premium rates are based on the risk classification for your occupation. However, you can easily get a quotation by keying in your age and occupation details on its website in a few steps.

    Here’s a quick overview of the process:

    What won’t be covered?

    Starr Urban Cover will not pay for claims/incidents related to the following:

    • Radioactive, electromagnetic, chemical, biological or biochemical causes
    • Acts of war, terrorism or invasion
    • Pre-existing physical or mental defect or infirmity
    • Influence of alcohol or non-prescription drugs
    • Extreme sports and activities
    • Injury caused by suicide, self-injury or wilful exposure to peril
    • Air travel except as a passenger in a fully licensed passenger carrying aircraft

    *The full details of the exclusions are contained in the policy document.

      Making a claim

      Filing a claim on your Starr Insurance Urban Cover policy is quick and convenient.

      Simply complete your claim submission through email or post within 30 days after the occurrence of an incident that’s included in the cover. Make sure to attach all the relevant documents and a duly filled claim form to avoid any delay in the settlement process.

      An acknowledgment email will be sent once the claims department has received your submission.

      Evidence and documentation required

      To make a claim, you’ll be required to submit evidence and all relevant documents related to the incident. These may be:

      • Original medical bills or receipts
      • Medical report/discharge summary
      • Medical certificates (if applicable)
      • Death certificate and Letters of Administration/Probate (if applicable)
      • Police report (if applicable)
      • Coroner’s findings/post-mortem report/toxicological report (if applicable)
      • Documentary proof of relationship between deceased and claimant (if applicable)

      Eligibility criteria for Starr Urban Cover

      Starr Urban Cover is available for all Singapore residents and their dependents:

      • Individuals between 18 and 65 years old (renewable till 80 years old)
      • Legal spouse of the policyholder, between 18 and 65 years old
      • Biological or legally adopted children of the policyholder between 6 months old to 25 years old

      How to contract Starr Insurance

      Should you need any assistance in your claim, you may contact Starr Insurance through the following options:

      • General or claims enquiries: +65 3158 7515 (operational from 8 am – 12.30 pm and 1.30 pm – 5 pm, Mondays to Friday, except public holidays)
      • Claims email: sgp.AHclaim@starrcompanies.com

      When seeking assistance, be sure to have the policyholder’s name and ID/FIN or policy number on hand.

      About Starr Insurance

      Starr Insurance Companies is one of the fastest-growing insurance organisations in the world with over 100 years of experience in the field. Today, Starr offers a wide range of personal and commercial insurance solutions in 124 countries on 6 continents.

      Starr International Insurance (Singapore) Pte Ltd. was incorporated in 2011.

      Bottom line

      If you’re looking for affordable accident protection with flexible payment frequency, Starr Urban Cover may be ideal since its monthly premium starts as low as $11.

      In addition, if you and your spouse enroll together under the same policy, your child will also be entitled to free coverage up to 25% of the adults’ sum insured.

      However, do bear in mind that Starr Urban Cover offers fewer benefits compared to other providers’ policies, such as the MSIG ProtectionPlus and Income PA Secure. So be sure to compare your options before applying.

      Finder does not provide the products and services listed on its website (including insurance policies) to users. We do not assume any risk or undertake any liability under any insurance policies that we may provide information on.

      There is no insurance agency relationship created between Finder and the user. We do not negotiate, service or effect insurance contracts on your behalf or on behalf of the insurer or insurance broker. We do not act as your agent.

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