Star Health Senior Citizens Red Carpet Insurance

Get Quote for Senior Citizens

Coverage Type
Date of Birth
    or age      years
Policy Duration:
Policy Start Date:
Policy End Date:
  
  
  *Optional
Senior citizens above 60 years need not have to be anxious about health care and financial assistance to pay medical bills. This insurance covers anyone above 60 years and permits entry upto the age of 75 with continuing cover after that.
  • Eligibility
  • Benefits
  • Exclusions
  • Renewal
  • Others

Eligibility

  • Proposer age should be in between 60 years and 75 years of age.
  • Guaranteed renewals beyond 75 years.

Features

  • No pre-insurance medical test required.
  • Treatment at network hospitals only.
  • All pre-existing diseases are covered from first year, except those for which treatment or advice was recommended by or received during the immediately preceding 12 months from the date of proposal.
  • Disease for which treatment or advice was recommended by or received during the immediately preceding 12 months from the date of proposal will be covered from second year onwards.

  • Hospitalization coverage: In-patient hospitalization expenses for a minimum of 24 hours. Includes room rent and boarding up to 1% of sum insured subject to a maximum of Rs.4000/- per day.
  • ICU expenses per day up to 2% of sum insured.
  • Nursing expenses.
  • Insurance covers Surgeon's fees, consultant fees, Anaesthetist's and Specialist's fees up to 25% of sum insured per hospitalization.
  • Cost of blood, oxygen, pacemaker.
  • Cost of drugs and diagnostic tests up to 50% of sum insured per hospitalization.
  • Emergency ambulance charges for transporting the insured patient to the hospital up to a sum of Rs.600/- per hospitalization and overall limit of Rs.1200/- per policy period.
  • Treatment for Cardiovascular Diseases/Cerebrovascular Accident/Cancer and breakage of bones are covered subject to the following limits:

Disease Sum Insured(Rs.) Limit of Company's Liability (Rs.)
Cerebro Vascular Accident/
Cardio Vascular Disease/
Cancer and Breakage of Bones
1,00,000/- 75,000/-
Cerebro Vascular Accident/
Cardio Vascular Disease/
Cancer and Breakage of Bones
2,00,000/- 1,50,000/-
Cerebro Vascular Accident/
Cardio Vascular Disease/
Cancer and Breakage of Bones
3,00,000/- 1,60,000/-
Cerebro Vascular Accident/
Cardio Vascular Disease/
Cancer and Breakage of Bones
4,00,000/- 1,70,000/-
Cerebro Vascular Accident/
Cardio Vascular Disease/
Cancer and Breakage of Bones
5,00,000/- 1,80,000/-
Renal complications 1,00,000/- 75,000/-
Renal complications 2,00,000/- 1,50,000/-
Renal complications 3,00,000/- 1,60,000/-
Renal complications 4,00,000/- 1,70,000/-
Renal complications 5,00,000/- 1,80,000/-
All other major surgeries 1,00,000/- 60,000/-
All other major surgeries 2,00,000/- 1,20,000/-
All other major surgeries 3,00,000/- 1,30,000/-
All other major surgeries 4,00,000/- 1,40,000/-
All other major surgeries 5,00,000/- 1,50,000/-

Post-hospitalization:
  • Post-hospitalization - a lumpsum calculated at 7% of the hospitalization expenses (excluding room charge), subject to a maximum of Rs.5,000/- is payable.

Exclusions

  1. Treatments currently availed or availed during the previous 12 months from the date of the proposal.
  2. All expenses incurred for the treatment of any disease/illness/sickness contracted by the insured person during the first 30 days from the commencement date of the policy.
  3. First-Year Exclusions: Hernia, Piles, Hydrocele, congenital Internal disease/defect, Sinusitis, Gallstones/Reneal Stone removal and Benign Prostate Hypertrophy.
  4. First Two-Year Exclusions: Hysterectomy, Cataract, Joint/Knee Replacement surgery (other than caused by an accident), Prolapsed Intervertebral Discs, Varicose Veins and Varicose Ulcers.
  5. Naturopathy treatment.
  6. Expenses which are purely diagnostic in nature with no positive existence of any disease.
  7. Expenses which are mainly cosmetic in nature.
  8. 50% co-payment applicable for pre-existing diseases/conditions.
  9. 30% co-payment applicable for all other claims.

  • Lifelong renewal of the policy is offered, except on grounds such as moral hazard, mis representation or fraud committed.
  • A grace period of 30 days from the date of expiry of the policy is available for renewal
  • Enhancement of sum insured is permitted only during renewal.
  • In respect of diseases/sickness/illness for which claim has/have been made, the sum insured will be restricted to the policy sum insured where the claims was/were made.

 
 

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