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Senior Citizens Red Carpet Health Insurance Policy

  • For Senior citizens aged between 60 to 75 years.
  • No pre-insurance medical test required.
  • Covers pre-existing diseases from the second year onwards.
  • Policy issued both on Individual and Floater Basis
  • Medical Consultations as an Out Patient in a Network Hospital.
  • Cost of Health check up covered up to specified limits.
  • Newly introduced sum insured Rs.15,00,000/-, Rs.20,00,000/- and Rs.25,00,000/-.
  • Policy is available for 1 / 2 / 3 years
  • Guaranteed lifetime renewals.

SHAHLIP19101V031819

Recharge Benefit

New Features:

  • Three additional Sum Insured Options namely Rs.15 lacs, Rs.20 lacs and Rs.25 lacs introduced
  • Policy is available for 1 / 2 / 3 year which can be renewed. Where the policy is issued for more than 1 year, the Sum Insured is for each year, without any carry over benefit thereof
  • Policy can be issued both on Individual and Floater Basis

  • Sum Insured on Individual Basis

    Sum Insured on Floater Basis

    Rs.1,00,000/-

    Rs.10,00,000/-

    Rs 2,00,000/-

    Rs.15,00,000/-

    Rs.3,00,000/-

    Rs.20,00,000/-

    Rs.4,00,000/-

    Rs.25,00,000/-

    Rs.5,00,000/-

    Rs.7,50,000/-

    Rs.10,00,000/-

    Rs.15,00,000/-

    Rs.20,00,000/-

    Rs.25,00,000/-

     

  • Cataract limits revised
  • Outpatient consultation in network hospitals
  • Cost of Health Checkup

Hospitalisation Coverage:

  • Protects the insured for in patient hospitalisation expenses for a minimum of 24 hrs.These expenses include room rent,nursing and boarding charges, Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialist Fees,Cost of Medicines and Drugs upto the limits specified.
  • Ambulance charges for emergency transportation to hospital as per specified limits.
  • Pre hospitalisation expenses up to 30 days prior to date of hospitalisation
  • Post-hospitalisation paid as lump-sum upto the limit specified.
  • Expenses on Medical Consultations as an Out Patient in a Network Hospital up to the limits specified.
  • Cost of Health Check up for every claim free year upto the limits specified
  • All day-care procedures covered.
  • Sub-limits applicable for specified illness/ disease.

Eligibility

Any person between 60 and 75 years of age at the time of entry can take this insurance policy.

General Terms

Co-Payment: This policy is subject to Co-payment mentioned below;

 

For Sum Insured of Rs.1,00,000/- to 10,00,000/-

For Sum Insured of Rs.15,00,000/- to 25,00,000/-

50% of each and every admissible claim arising out of Pre-Existing Diseases and 30% of each and every admissible claim for all other claims

30% of each and every admissible claim

 

Pre-Existing Diseases / Illness : Covered after 12 months of continuous coverage

 

Pre- Acceptance medical screening: There is no pre-acceptance medical screening. However if following medical records of the person proposed for insurance are submitted, a discount of 10% of is allowed.

  • Stress Thallium Report
  • BP Report
  • Sugar (blood & urine) (Fasting / Postprandial)
  • Blood urea & creatinine

 

Tax Benefits:
Amount paid by any mode other than by cash for this insurance is eligible for relief under Section 80D of the Income Tax Act.

 

Free Look Period:
At the time of inception of the policy, the Insured will be allowed a period of 15 days from the date of receipt of the policy to review the terms and conditions of the policy and to return the policy if not acceptable. In such a case, the premium refund shall be as follows :
If the Insured has not made any claim during the free look period, the Insured shall be entitled to –

 

  • a refund of the premium paid less any expenses incurred by the Insurer on medical examination of the insured persons and the stamp duty charges
    or
  • where the risk has already commenced and the option of return of the policy is exercised by the policy holder, a deduction towards the proportionate risk premium for period on cover
    or
  • where only a part of the insurance coverage has commenced, such proportionate premium commensurate with the insurance coverage during such period.

 

Free look period shall not be applicable at the time of renewal.

 

NOTE: Renewal premium, terms and conditions are subject to change with prior approval from IRDAI.

Star Advantage

  • No Third Party Administrator, direct in-house claim settlement.
  • Faster and hassle-free claim settlement.
  • Cashless hospitalisation.

NOTE:  The benefits mentioned herein are only an outline of the policy. For details please contact your nearest Star Health Office or call toll free no 1800 425 2255/1800 102 4477.

Premium Chart

Premium without  GST   Premium with  GST @ 18%

Amount in Rs.

Amount in Rs.

Individual (1A)

Individual (1A)

Policy Term

1 year

2 years

3 years

Policy Term

1 year

2 years

3 years

Sum Insured

Sum Insured

1,00,000

4,450

8,610

12,710

1,00,000

5,251

10,160

14,998

2,00,000

8,456

16,360

24,155

2,00,000

9,978

19,305

28,503

3,00,000

12,900

24,960

36,845

3,00,000

15,222

29,453

43,477

4,00,000

15,501

29,990

44,275

4,00,000

18,291

35,388

52,245

5,00,000

18,000

34,825

51,410

5,00,000

21,240

41,094

60,664

7,50,000

21,000

40,630

59,980

7,50,000

24,780

47,943

70,776

10,00,000

22,500

43,530

64,265

10,00,000

26,550

51,365

75,833

15,00,000

29,205

56,500

83,415

15,00,000

34,462

66,670

98,430

20,00,000

32,710

63,285

93,425

20,00,000

38,598

74,676

110,242

25,00,000

35,985

69,620

102,780

25,00,000

42,462

82,152

121,280

 

Floater (2A  -  Self + Spouse)   Floater (2A  -  Self + Spouse)

 Policy Term

1 year

2 years

3 years

 Policy Term

1 year

2 years

3 years

Sum Insured

Sum Insured

10,00,000

38,250

74,000

109,245

10,00,000

45,135

87,320

128,909

15,00,000

49,650

96,055

141,805

15,00,000

58,587

113,345

167,330

20,00,000

55,610

107,585

158,830

20,00,000

65,620

126,950

187,419

25,00,000

61,175

118,350

174,720

25,00,000

72,187

139,653

206,170

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