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Red Carpet Senior Citizen

Star Unique (till 65 years)

Suggest Policy >> Senior Citizen >> Star Unique (till 65 years)

Health - Senior Citizen Red Carpet

Turning sixty is a major milestone. On the one hand, people tend to find more time for matters they couldn't adequately attend to during their years of career preoccupation. On the other, there is mounting anxiety about health. Yet, health insurance policies have hardly been available to address their needs. Star Health is proud to introduce India's first health insurance policy as a salute to our senior citizens. It provides cover for anyone over the age of 60 and permits entry right up to the age of 75 and guaranteed renewal thereafter. It is our way of caring for a generation that has done so much to build the country.

Major Product Features

This Health Insurance Plan from Star Health is unique among Senior Health Insurance Policies and extends benefits of Hospitalisation Cover as well as Post Hospitalisation Cover.

	For people aged between 60 and 75 years
	Guaranteed renewals beyond 75 years
	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

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Policy Premium Including Service Tax

Sum Insured(Rs)	Premium (Rs)
1,00,000	5,000
2,00,000	9,500
3,00,000	14,495
4,00,000	17,416
5,00,000	20,225

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Senior Health Insurance Policy Red Carpet Benefits

	Hospitalization Cover: In-patient hospitalization expenses for a minimum of 24 hours. Includes room rent and boarding @1% of sum insured subject to a maximum of Rs. 4,000/- per day.
	ICU expenses per day @ 2% of sum insured
	Nursing expenses
	Surgeon's fees, consultant's fees, Anesthetist's and specialist's fees, per illness @ 25% of sum insured
	Cost of blood, oxygen, pacemaker
	Cost of drugs and diagnostic tests @ 50% of sum insured per hospitalization
	Cataract (both eyes included), up to Rs.15,000/-
	Emergency Ambulance Charges for transporting the Insured Person to the Hospital @ Rs.600/- per hospitalisation and Rs.1200/- per Policy period

Sum Insured(Rs)	Limit of Company's Liability (Rs.)
Sum Insured(Rs)	Treatment for Cardiovascular Diseases / Cerebrovascular Accident/Cancer and breakage of Bones	Renal Complications	All other Major Surgeries
1,00,000	75,000	75,000	60,000
2,00,000	1,50,000	1,50,000	1,20,000
3,00,000	1,60,000	1,60,000	1,30,000
4,00,000	1,70,000	1,70,000	1,40,000
5,00,000	1,80,000	1,80,000	1,50,000

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Post-Hospitalization

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

Tax benefits in Senior Health Insurance

Amount paid by any mode other than cash is eligible for relief as provided under Section 80 D of the Income Tax Act

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Star Advantages

	No Third Party Administrator; direct in-house claims settlement
	Faster & hassle-free claim settlement
	Cashless hospitalization
	Network of more than 5400 hospitals across India
	24x7 Toll- free Helpline
	Free General Physician Consultation over phone. Doctors on duty 24x7. By quoting the policy number, any person can contact our Doctor on the toll free number 1800 425 2255 / 1800 102 4477 for medical advices.
	Free Health magazines are issued to policy holders at regular intervals

NOTE:The benefits mentioned herein are only an outline of the policy details, please contact your nearest Star Health office.

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