Star Senior Citizens Red Carpet Health Insurance Policy

Star Health Senior Citizens Red Carpet Health Insurance Policy is a plan dedicated to senior citizens. It covers people from the age of 60 till 75 years and comes with a lifelong renewability option. The policy is available on an individual as well as a floater basis and features several benefits such as multiple sum assured options, medical consultations as an outpatient in a network hospital, amongst others.

This plan from Star Health Insurance fulfills the requirement of health problems in old age at an affordable price range. Moreover, it ensures that one stays stress-free in the later years of his or her life.

Eligibility criteria for Star Senior Citizens Red Carpet Health Insurance Policy

Key highlights of Star Senior Citizens Red Carpet Health Insurance Policy

• Star Senior Citizens Red Carpet Health Insurance Policy is available on an individual and floater basis.
• The policyholder gets the flexibility to choose from a wide range of sum insured options between Rs 1 Lakh to Rs 7.5 Lakh on an Individual basis and Rs 10 Lakh to Rs 25 Lakh on a Family Floater basis.
• Cashless hospitalization is available in more than 9900 network hospitals.
• A co-payment facility is available for sum insured between Rs 1 lakh to Rs 10 lakh, wherein 50% co-pay applies to pre-existing disease-related claims. And in case the sum insured is between Rs 15 lakh and Rs 25 lakh, a co-pay of 30% is applicable on all the admissible claims.
• Tax benefits are applicable as per the prevailing norms of the Income Tax Act.
• The plan includes the cost of health check-ups up to the specified limit at the network hospital for every claim-free year.
• Star Senior Citizens Red Carpet Health Insurance Policy includes Surgeon, Anesthetist, Medical Practitioner, Consultants, and Specialist’s fees up to 25% of the sum insured per hospitalization.
• Anesthesia, Blood, Oxygen, Operation Theatre charges, Cost of Pacemaker, etc., up to 50% of the sum insured per hospitalization is covered under this plan.
• Emergency ambulance charges up to a specified limit mentioned in the policy document are covered for transporting the insured by private ambulance services to the hospital.
• There is no third-Party Administrator under Star Health Insurance; it does in-house claim settlement directly.
• Faster & hassle-free claim settlement.

Inclusions in Star Senior Citizens Red Carpet Health Insurance Policy

• Daycare procedures: Star Senior Citizens Red Carpet Health Insurance Policy covers expenses incurred for all daycare procedures.
• In-patient hospitalization: the plan covers in-patient hospitalization (minimum 24 hours) expenses that include room, boarding, oxygen, medicines, blood and nursing charges, etc.
• Pre and Post hospitalization expenses: Star Senior Citizens Red Carpet Health Insurance Policy covers medical expenses up to 30 days before and 60 days after hospitalization.
• Pre-existing Diseases: the plan covers pre-existing diseases after a waiting period of 12 months.

Exclusions in Star Senior Citizens Red Carpet Health Insurance Policy

• Circumcision, Preputioplasty, Frenuloplasty, Preputial Dilatation, and Removal of SMEGMA.
• Inoculation or Vaccination (except for post-bite treatment and for medical treatment for therapeutic reasons).
• Convalescence, general debility, run-down condition or rest cure, Nutritional deficiency states.
• Dental treatment or surgery unless necessitated due to accidental injuries and requiring hospitalization. (Dental implants are not payable)
• Psychiatric, mental and behavioral disorders.
• Intentional self-injury.
• Obesity-related treatment
• Cosmetic or Plastic surgery
• Congenital External Condition / Defects / Anomalies.
• Use of intoxicating substances, substance abuse, drugs/alcohol, smoking, and tobacco chewing.
• Venereal Disease and Sexually Transmitted Diseases.
• Injury/disease directly or indirectly caused by or arising from or attributable to war, invasion, an act of a foreign enemy, warlike operations (whether war be declared or not).
• Injury or disease directly or indirectly caused by or contributed to by nuclear weapons/materials.