Senior Citizens Red Carpet Health Insurance Policy
IRDAI UIN: SHAHLIP22199V062122
Flexible Sum Insured
Pre-Existing Diseases Waiting Period
Understand what’s included
This policy can be availed for a term of one, two or three years.
The Sum Insured options under this policy are Rs. 1,00,000/-, Rs. 2,00,000/-, Rs. 3,00,000/-, Rs. 4,00,000/-, Rs. 5,00,000/-, Rs. 7,50,000/- , Rs. 10,00,000/-, Rs. 15,00,000/-, Rs. 20,00,000/- and Rs. 25,00,000/-. The Sum Insured option of Rs. 10,00,000/- to Rs. 25,00,000/- is available on a Floater basis.
Hospitalisation expenses incurred for a period of more than 24 hours on account of illness, injury or accidents are covered.
In addition to in-patient hospitalisation, the medical expenses incurred up to 30 days before the date of admission to the hospital are also covered.
Post-hospitalisation medical expenses are covered up to 7% of the hospitalisation expenses as per the limits mentioned in the policy clause.
Room, boarding and nursing expenses incurred during in-patient hospitalisation are covered up to Rs. 10,000/- for the maximum Sum Insured opted.
Up to 2% of the Sum Insured is payable as ICU charges for the Sum Insured up to Rs. 10 lakhs. And, for the Sum Insured of Rs. 15 lakhs to Rs. 25 lakhs, ICU charges are covered up to actuals.
Ambulance charges incurred for transporting the insured person to the hospital by private ambulance service are covered.
Day Care Procedures
Medical treatments and surgical procedures that require less than 24 hours of hospitalisation due to technological advancements are covered.
Expenses incurred for Cataract treatment are covered after a waiting period of 24 months up to the limits mentioned in the policy clause.
This policy is subjected to co-payment of 30% for all claims.
For every claim-free year, the expenses incurred for an annual health check-up at Network Hospitals are covered up to the specified limits.
The policy premium can be paid on a quarterly or half-yearly basis. It can also be paid on an annual, biennial (once in 2 years) and triennial (once in 3 years) basis.
Why Choose Star Health Insurance?
As a Health Insurance specialist, we extend our services from offering tailor-made products to fast in-house claim settlements. With our growing network of hospitals, we ensure easy access to fulfill your medical needs.
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We are committed to saving you time, saving you money, and getting rid of the hassles that make health insurance so hard to navigate.
Tiji K Oommen
Tiji K Oommen
My friend told me to buy health insurance from Star Health Insurance. That helped me during my son’s illness. Their cashless treatment facility was very helpful at the time. I truly appreciate their service and support.
I have been with Star Health Insurance for the past 8 years, and have applied for two claims in that time. Both claims got settled, and I received good support from the company during my hospitalisation.
My family has been with Star Health Insurance since 2006. Our claim, which we applied during last month, was handled without any hassle. We are happy that we are part of such service providers.
Star Health Insurance helped me a lot when I was in need. I was covered under Star’s Comprehensive policy, which provided me cashless treatment at their network hospital during my Angioplasty surgery.
I have been using Mediclaim services for the last 7-8 years. I had tried other companies. But, I satisfied with the service Star Health Insurance has provided me, they also have friendly support personnel.
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Health Insurance for Senior Citizen
Aging - a natural process, stays to be a unique challenge for all sections of our society. Individual citizens of age group more than 60 years are considered as Senior Citizens. According to the first Longitudinal Aging Study in India (LASI), two out of every three senior citizens in India are suffering from some chronic illnesses. Diseases observed to be high among the elderly age groups include Cardiovascular diseases (CVD), chronic hypertension, Diabetes, Bone and Joint diseases and more. Health care needs are one of the retirements’ biggest ‘unknowns.’ From the financial standpoint of you, the Senior Citizens, getting a standard treatment for such chronic diseases may drain your savings with the rising medical cost and makes it hard to set your retirement saving goals. Health Insurance for Senior Citizens is needed to meet their unique health requirements. Hence, get yourself immediately covered with a right and efficacious health plan that quenches your health care needs.
Senior Citizens Red Carpet Health Insurance Policy
Star Health Insurance presents the Senior Citizens Red Carpet Health Insurance Policy with a utilitarian approach towards the elderly citizens. This plan is uniquely designed for the senior citizens in the age group of 60 to 75 years.
The policy comes with the best benefits for the Senior Citizens, which includes a coverage for a wide range of daycare procedures involved in modern treatments, significant medical interventions, pre-existing diseases from the second policy year with the availability of constant premium with a lifelong renewable option. The policy is available on an Individual/Floater Sum Insured basis. It is apt for senior citizens looking for a best pocket-friendly premium towards medical insurance for senior citizens in India. The key highlight of the policy is that no pre-insurance medical check-up is required while buying the policy. On purchasing the policy you can also avail the benefit of tax exemption under section 80D.
Why 60+ Elderly People should take Star Health Medical Insurance
Star Health Insurance designs health plans aiming for senior citizens who had once built the nation. Senior Citizens Red Carpet Health Insurance Policy is a complete plan in support of the elderly community.
There are numerous valuable benefits enjoyed by the Senior Citizens on buying the policy:
- Coverage on any outpatient medical consultations in a Network Hospital
- No pre-insurance medical screening is required.
- Pre-existing diseases (PED) are covered after a waiting period of one year.
- A broader coverage for daycare procedures and modern treatments.
Dedicated Senior Citizens Claims & Grievances
Policyholders who have complaints against insurers are required to first approach the Complaints/Grievance Redressal Cell of the insurer in the link,
If they do not receive a response from the insurer within a reasonable period or are dissatisfied with the response of the company, contact
And can call Toll Free No. 155255 or 1800 4254 732.
Tax Benefit from buying Senior Citizens Red Carpet Health Insurance Policy
The key benefit of the policy is, theInsured person is eligible for tax benefits under Section 80-D of the Income Tax Act 1961 in respect of the premium paid by any mode other than cash.