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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 74 with continuing cover after that. 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 74 years
Guaranteed renewals beyond 74 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
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
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.)
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
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
What cannot be claimed?
Treatments currently availed or availed during the previous 12 months from date of proposal
Any expenses incurred for treatment of illness/disease/sickness contracted by the insured person during the first 30 days from the commencement date of the policy
First year exclusions: Hernia, Piles, Hydrocele, Congenital Internal disease/defect, Sinusitis, Gall Stone/Renal Stone removal and Benign Prostrate Hypertrophy
First Two-Year Exclusions: Hysterectomy, Cataract, Joint/Knee Replacement surgery(other than caused by an accident), Prolapsed Intervertebral Discs, Varicose Veins, Ulcers
Naturopathy treatment
Expenses which are purely diagnostic in nature with no positive existence of any disease
Expenses for treatments that are mainly cosmetic in nature
50% co-payment applicable for pre-existing diseases/conditions
30% co-payment applicable for all other claims
Claims Procedure
Call the 24-hour helpline 1800 425 2255 for assistance
Inform the ID number/policy number for easy reference
In case of a planned hospitalisation, please inform 24 hours prior to admission into the hospital
In case of emergency hospitalisation, information to be given within 24 hours after hospitalisation
At non-network hospitals, payments must be made upfront and then reimbursement will be effected on the submission of documents
Star Advantages
No Third Party Administrator; direct in-house claims settlement
Faster & hassle-free claim settlement
Cashless hospitalization
Network of more than 4900 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 for medical advices.
Free Health magazines are issued to policy holders at regular intervals
NOTE:The benefits and exclusions mentioned herein are only an outline of the policy details, please contact your nearest Star Health office.

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