Star Health Logo

Senior Citizens Red Carpet Health Insurance Policy

We have the answer to your happy and secure future

*I hereby authorise Star Health Insurance to contact me. It will override my registry on the NCPR.

IRDAI UIN: SHAHLIP22199V062122

HIGHLIGHTS

Plan Essentials

essentials

Flexible Sum Insured

Available Sum Insured options for Individual basis - 1/2/3/4/5/7.5/10/15/20/25 lakhs and Floater (self and spouse) basis - 10/15/20/25 lakhs.
essentials

Modern Treatment

Expenses incurred for modern treatments such as Oral Chemotherapy, Intra Vitreal injections, Robotic Surgeries, etc. are covered up to the limits mentioned in the policy clause.
essentials

Premium Discounts

5% discount for purchasing and renewing the policy online. In addition, a 10% discount is applicable for healthy individuals who have taken the listed medical tests within 45 days before purchasing or renewing the policy.
essentials

Pre-Existing Diseases Waiting Period

Pre-Existing Diseases (PED) and their complications are covered after 12 months under this policy subject to the same being declared at the time of application and accepted by Insurer.
essentials

OP Consultation

Outpatient consultation at Network Hospitals is payable up to the limits mentioned in the policy clause.
essentials

Entry Age

Senior Citizens aged between 60 and 75 years can avail this policy with constant premium and lifelong renewal option.
essentials

Medical Examination

Pre-medical test is not mandatory to avail this policy.
essentials

Policy Type

This policy can be availed either on an Individual or Floater basis.
DETAILED LIST

Understand what’s included

IMPORTANT HIGHLIGHTS

Policy Term

This policy can be availed for a term of one, two or three years.

Sum Insured

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.

In-Patient Hospitalisation

Hospitalisation expenses incurred for a period of more than 24 hours on account of  illness, injury or accidents are covered. 

Pre-Hospitalisation

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

Post-hospitalisation medical expenses are covered up to 7% of the hospitalisation expenses as per the limits mentioned in the policy clause.

Room Rent

Room, boarding and nursing expenses incurred during in-patient hospitalisation are covered up to Rs. 10,000/- for the maximum Sum Insured opted.

ICU Charges

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.

Road Ambulance

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.

Cataract Treatment

Expenses incurred for Cataract treatment are covered after a waiting period of 24 months up to the limits mentioned in the policy clause.

Co-payment

This policy is subjected to co-payment of 30% for all claims.

Health Check-Up

For every claim-free year, the expenses incurred for an annual health check-up at Network Hospitals are covered up to the specified limits.

Instalment Options

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.
Please refer to the Policy Documents to know the policy details and Terms & Conditions.
STAR HEALTH

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.

star-health
Wellness Program
Take part in our wellness programs and earn rewards for staying healthy. Redeem those rewards to avail renewal discounts.
star-health
Talk to Star
Dial 7676 905 905 to avail free consultations with our expert doctors via phone, chat or video call.
star-health
COVID-19 Helpline
Get free COVID-19 consultation with our health experts between 8 AM and 10 PM. Give a call to 7676 905 905.
star-health
Diagnostic Centres
Get access to 1,635 diagnostic centres across India with home pickup of lab samples and health checkup at doorstep.
star-health
E-Pharmacy
Order medicines online at a discounted price. Home delivery and Store pick-ups are available across 2780 cities.
OUR CUSTOMERS

‘Happily Insured!’ with Star Health

We are committed to saving you time, saving you money, and getting rid of the hassles that make health insurance so hard to navigate.

Looking for something else?

GET STARTED
Be Assured of the Best

Get your future secured with us.

Contact Us

Want more information?

Get Insured

Ready to get your policy?

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 insurance 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.

On purchasing the Senior Citizens Red Carpet Health Insurance Policy, one can reap abundant benefits as listed below:

  • Availability of greater Sum Insured coverage up to Rs. 25 Lakhs on Individual basis and Rs. 10 lakhs to 25 lakhs on floater basis.
  • Coverage for outpatient medical consultations at Network Hospitals.
  • No pre-insurance medical screening is required irrespective of the person’s age and the sum insured opted.
  • Pre-existing diseases (PED) are covered after a one-year waiting period.
  • A broader coverage of daycare procedures/treatments and modern treatments with both cashless and reimbursement facilities in extensive wide-range of network hospitals.
  • Availing tax benefits as per the prevailing Income Tax rules on the premium paid, eligibility for relief under Section 80-D of Income Tax Act.
  • An added advantage of the lifetime renewability option.
  • A 10% discount on the premium is allowed on submitting certain medical records.
  • A 5% discount for the online purchase of the policy.
  • Premiums can be paid on a quarterly and half-yearly basis. You can prefer to make payments on annual, biennial and triennial terms.

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,

https://www.starhealth.in/grievance-redressal

Email:gro@starhealth.in or grievances@starhealth.in

If they do not receive a response from the insurer within a reasonable period or are dissatisfied with the response of the company, contact

Integrated Grievance Management System(IGMS) - IRDAI Portal at https://igms.irda.gov.in for registering the complaints Email to complaints@irdai.gov.in

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.

FAQ's

The Health insurance Premium for Senior Citizens Red Carpet Health Insurance Policy is based on the Sum Insured ranging from 1 lakh to 25 lakhs cover.

Premium is raging from INR. 4500/- to 36,000/- Excl. Taxes

The best option to buy 15 lakhs Sum Insured & the Premium would be around INR 29,000/- and avail Section 80D benefit.