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Star Health Senior Citizens Red Carpet

Senior Citizen Insurance

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Coverage Type
Date of Birth
    or age      years
Policy Duration:
Policy Start Date:
Policy End Date:

Benefits

  • 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
Senior citizens above 60 years need not have to be anxious about health care and financial assistance to pay medical bills. This insurance covers anyone above 60 years and permits entry upto the age of 75 with continuing cover after that.
  • Highlights
  • Benefits
  • Eligibility
  • General Terms
  • Star Advantage
  • Exclusions
  • 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
  • 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.
1 lac 2 lac 3 lac 4 lac 5 lac 7.5 lac 10 lac 15 lac 20 lac 25 lac
Policy Period
upto 3 years upto 3 years upto 3 years upto 3 years upto 3 years upto 3 years upto 3 years upto 3 years upto 3 years upto 3 years
Insured Definition
Plans available only for Individuals - Sum Insured Options of 10 lacs, 15 lacs, 20 lacs and 25 lacs are available on Floater Basis Plans available only for Individuals - Sum Insured Options of 10 lacs, 15 lacs, 20 lacs and 25 lacs are available on Floater Basis Plans available only for Individuals - Sum Insured Options of 10 lacs, 15 lacs, 20 lacs and 25 lacs are available on Floater Basis Plans available only for Individuals - Sum Insured Options of 10 lacs, 15 lacs, 20 lacs and 25 lacs are available on Floater Basis Plans available only for Individuals - Sum Insured Options of 10 lacs, 15 lacs, 20 lacs and 25 lacs are available on Floater Basis Plans available only for Individuals - Sum Insured Options of 10 lacs, 15 lacs, 20 lacs and 25 lacs are available on Floater Basis Plans available only for Individuals - Sum Insured Options of 10 lacs, 15 lacs, 20 lacs and 25 lacs are available on Floater Basis Plans available only for Individuals - Sum Insured Options of 10 lacs, 15 lacs, 20 lacs and 25 lacs are available on Floater Basis Plans available only for Individuals - Sum Insured Options of 10 lacs, 15 lacs, 20 lacs and 25 lacs are available on Floater Basis Plans available only for Individuals - Sum Insured Options of 10 lacs, 15 lacs, 20 lacs and 25 lacs are available on Floater Basis
Hospitalisation - Room Rent limit per day
upto 1% of the Sum Insured upto 1% of the Sum Insured upto 1% of the Sum Insured upto 1% of the Sum Insured upto 1% of the Sum Insured 6,000 6,000 7,000 8,500 10,000
ICU / Operation Theatre Charges
Upto 2% of the Sum Insured Upto 2% of the Sum Insured Upto 2% of the Sum Insured Upto 2% of the Sum Insured Upto 2% of the Sum Insured Actual Actual Actual Actual Actual
Professional Fees (Surgeon, Anaesthetist, Medical Practioner, Consultants
upto 25% of the Sum Insured upto 25% of the Sum Insured upto 25% of the Sum Insured upto 25% of the Sum Insured upto 25% of the Sum Insured upto 25% of the Sum Insured upto 25% of the Sum Insured upto 25% of the Sum Insured upto 25% of the Sum Insured upto 25% of the Sum Insured
Other Medical Expenses (Anaesthesia, Blood, Oxygen, Theatre Charges etc)
upto 50% of the Sum Insured upto 50% of the Sum Insured upto 50% of the Sum Insured upto 50% of the Sum Insured upto 50% of the Sum Insured upto 50% of the Sum Insured upto 50% of the Sum Insured upto 50% of the Sum Insured upto 50% of the Sum Insured upto 50% of the Sum Insured
No of Daycare Treatments / Procedures Covered
Upto 750 per hospitalisation and maximum of 1,500 per policy period Upto 750 per hospitalisation and maximum of 1,500 per policy period Upto 750 per hospitalisation and maximum of 1,500 per policy period Upto 750 per hospitalisation and maximum of 1,500 per policy period Upto 750 per hospitalisation and maximum of 1,500 per policy period Upto 750 per hospitalisation and maximum of 1,500 per policy period Upto 750 per hospitalisation and maximum of 1,500 per policy period Upto 750 per hospitalisation and maximum of 1,500 per policy period Upto 750 per hospitalisation and maximum of 1,500 per policy period Upto 750 per hospitalisation and maximum of 1,500 per policy period
Sub Limits for Treatment of Cataract as Daycare (per episode / per policy period)
Upto 25% of Sum Insured and maximum of 25,000 Upto 25% of Sum Insured and maximum of 25,000 Upto 25% of Sum Insured and maximum of 25,000 Upto 25% of Sum Insured and maximum of 25,000 Upto 25% of Sum Insured and maximum of 25,000 Upto 25% of Sum Insured and maximum of 25,000 Upto 25% of Sum Insured and maximum of 25,000 Upto 25% of Sum Insured and maximum of 25,000 Upto 25% of Sum Insured and maximum of 25,000 Upto 25% of Sum Insured and maximum of 25,000
Ambulance Charges by Road (per policy period)
Upto 600 per hospitalisation and maximum of 1,200 per policy period Upto 600 per hospitalisation and maximum of 1,200 per policy period Upto 600 per hospitalisation and maximum of 1,200 per policy period Upto 1,000 per hospitalisation and maximum of 2,000 per policy period Upto 1,000 per hospitalisation and maximum of 2,000 per policy period Upto 1,000 per hospitalisation and maximum of 2,000 per policy period Upto 1,500 per hospitalisation and maximum of 3,000 per policy period Upto 1,500 per hospitalisation and maximum of 3,000 per policy period Upto 1,500 per hospitalisation and maximum of 3,000 per policy period Upto 1,500 per hospitalisation and maximum of 3,000 per policy period
Pre Hospitalisation Expenses incurred
Upto 30 days Upto 30 days Upto 30 days Upto 30 days Upto 30 days Upto 30 days Upto 30 days Upto 30 days Upto 30 days Upto 30 days
Post Hospitalisation Expenses incurred
7% of Hospitalisation Expenses upto maximum of 5,000 7% of Hospitalisation Expenses upto maximum of 5,000 7% of Hospitalisation Expenses upto maximum of 5,000 7% of Hospitalisation Expenses upto maximum of 5,000 7% of Hospitalisation Expenses upto maximum of 5,000 7% of Hospitalisation Expenses upto maximum of 5,000 7% of Hospitalisation Expenses upto maximum of 7,000 7% of Hospitalisation Expenses upto maximum of 7,000 7% of Hospitalisation Expenses upto maximum of 10,000 7% of Hospitalisation Expenses upto maximum of 10,000
Medical Consultations as an Outpatient (on Individual Basis)
- 600 800 1,000 1,200 1,400 1,800 2,200 2,600
Medical Consultations as an Outpatient (on Floater Basis) - Limit Per Person / Per Policy Period
- - - - - - 1,400 / 2,400 1,800 / 3,000 2,200 / 3,800 2,600 / 4,400
Cost of Health Check Up (Limit per person on Individual Basis)
- - - - 1,000 1,000 2,000 2,000 2,500 2,500
Cost of Health Check Up (Limit per person on Floater Basis) - Limit Per Person / Per Policy Period
- - - - - - 2,000 / 3,500 2,000 / 3,500 2,500 / 4,500 2,500 / 4,500
Co Payment
- - - - - - - PED and Non PED Claims - 30% of each and every admissable claim PED and Non PED Claims - 30% of each and every admissable claim PED and Non PED Claims - 30% of each and every admissable claim
Sublimits for Policy with Sum Insured on Individual Basis
Sum Insured in ₹ Cataract Cerebro Vascular Accident, Cardio Vascular Diseases, Cancer (including Chemotherapy, Radiotherapy), Medical Reneal Diseases (including Dialysis), Treatment for Breakage of Long Bones All Other Major Surgeries
Limit Per Person, per Policy Period for each Disease/Condition in ₹
1,00,000 15,000 75,000 60,000
2,00,000 15,000 1,50,000 1,20,000
3,00,000 18,000 2,00,000 1,50,000
4,00,000 20,000 2,25,000 2,00,000
5,00,000 21,500 2,75,000 2,25,000d
7,50,000 23,000 3,00,000 2,50,000
10,00,000 25,000 3,50,000 2,75,000
15,00,000 30,000 4,00,000 3,00,000
20,00,000 35,000 4,50,000 3,25,000
25,00,000 40,000 5,00,000 3,50,000
Sublimits for Policy with Sum Insured on Floater Basis
Sum Insured in ₹ Cataract Cerebro Vascular Accident, Cardio Vascular Diseases, Cancer (including Chemotherapy, Radiotherapy), Medical Reneal Diseases (including Dialysis), Treatment for Breakage of Long Bones All Other Major Surgeries
Limit Per Person Limit per policy period Limit Per Person Limit per policy period Limit Per Person Limit per policy period
10,00,000 25,000 45,000 3,50,000 6,00,000 2,75,000 4,50,000
15,00,000 30,000 50,000 4,00,000 7,00,000 3,00,000 5,00,000
20,00,000 35,000 60,000 4,50,000 7,50,000 3,25,000 5,50,000
25,00,000 40,000 70,000 5,00,000 8,50,000 3,50,000 6,00,000
  • For Senior citizens aged between 60 to 75 years.
Co - Payment:
  • 50% of each and every claim relating to pre-existing diseases and 30% of each and every claim for all other claims

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

Pre- Acceptance medical screening:
  • There is no pre-acceptance medical screening.

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:
  • A free look period of 15 days from the date of receipt of the policy is available for reviewing the policy terms and conditions. In case insured is not satisfied he can seek cancellation of the policy and in such event the Company will allow refund of premium after adjusting the cost of pre-acceptance of medical screening , stamp duty charges and proportionate risk premium for the period concerned provided no claim has been made until such cancellation. Free look cancellation is not applicable at the time of renewal.
  • No third Party Administrator, direct in-house claim settlement.
  • Faster & hassle-free claim settlement.
  • Cashless hospitalization wherever possible.
  • Network of more than 8200+ hospitals across India.
  • Facility for maintaining personal health records in electronic format.
  1. Treatments currently availed or availed during the previous 12 months from the date of the proposal.
  2. All expenses incurred for the treatment of any disease/illness/sickness contracted by the insured person during the first 30 days from the commencement date of the policy.
  3. First-Year Exclusions: Hernia, Piles, Hydrocele, congenital Internal disease/defect, Sinusitis, Gallstones/Reneal Stone removal and Benign Prostate Hypertrophy.
  4. First Two-Year Exclusions: Hysterectomy, Cataract, Joint/Knee Replacement surgery (other than caused by an accident), Prolapsed Intervertebral Discs, Varicose Veins and Varicose Ulcers.
  5. Naturopathy treatment.
  6. Expenses which are purely diagnostic in nature with no positive existence of any disease.
  7. Expenses which are mainly cosmetic in nature.
  8. 50% co-payment applicable for pre-existing diseases/conditions.
  9. 30% co-payment applicable for all other claims.

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