Star Health Senior Citizen Insurance Policy Details

Star Health Senior Citizen Red Carpet Insurance Policy 

• This plan is for Senior citizens aged between 60 to 75 years.
• No pre-insurance medical test required.
• Covers pre-existing diseases from the second year onwards.
• Medical Consultations as an Out Patient in a Network Hospital.
• Higher Sum Insured coverage up to Rs.10 Lakhs.
• Guaranteed lifetime renewals.

Coverage	Hospitalisation Expenses incurred as in-patient for Sickness / Disease / Illness and Accidental Injuries for a minimum period of 24 hrs.
Type of Cover	Individual.
Entry Age	60 yrs to 75 yrs. & 364 days
Renewals	Life time
Co-pay	Co-Pay is a cost sharing requirement that provides the policyholder / insured will bear a specified percentage of the admissible claim amount
	For Pre-existing Disease claims- 50 % of each and every claim and 30% of each and every claim for all other claims and renewals thereafter
Sum Insured Options	1 / 2 / 3 / 4 / 5 / 7.5 & 10 Lakhs
Policy & Grace Period	One year and with 30 days Grace Period to renew the policy. (Renewal during Grace Period - Declaration of Good Health is required).
Medicals	Medical is not a must.
Age Proof	Age Proof is compulsory.
Free look Period	15 days with refund of Premium on Pro-rata Basis.
Any Disease Contracted	1st 30 days (Accidents Exempted )
Certain Procedures / Diseases	First two years, including Congenital Internal Defects / Diseases - 50 procedures / diseases
Pre Existing Diseases (PED)	12 months
Allowable Expenses
Non- allopathic Treatment (Other than Naturopathy)	No Provision
Pre - Hospitalizations	No Provision
Post - Hospitalizations	Amount will not exceed 7% of Hospital Bill (Minus Room Rent) subject to Max of Rs.5000/- Per hospitalization.
Ambulance	Rs. 600 Per occurrence / Rs. 1200 Policy Period
Day care Procedures and Sub Limits	12 Procedures. 24 hrs. hosp. is waived and the sub-limits in bracket will apply for following day care procedures - Lithotripsy (20K), Tonsillectomy (7.5K), Cutting & draining of Subcutaneous abscess (1.5K), Liver aspiration (2K), Pleural Effusion Aspiration (2K), Colonoscopy (2K), Sclerotherapy (5K)}, Cataract limit varies based on the Sum Insured. Dialysis, Chemotherapy, Radiotherapy and Dental Surgery due to accident only
Other excluded expenses	203 Items as per Printed Policy Clause.
Automatic Restoration of Sum Insured	No Provision
Package Charges	No restrictions in respect of Package Charges
Room Rent (Inclusive of Boarding & Medical expenses) on Per Day Basis Whichever is lower	Up to 1% of Basic Sum Insured subject to a Max. Of Rs.6000 per day.
Doctor's Fee	Actuals or subject to a Maximum of 25% of Sum Insured, Per Hospitalisation
Medicine Charges	Actuals or subject to a Maximum of 50% of Sum Insured, Per Hospitalisation
Note	Expenses relating to the Hospitalisation will be considered in proportion to the room rent stated in the policy. Treatment taken in Non-Networking Hospital exclusion has been removed.
No Claim Bonus for Every Claim Free Year	No Provision
Portability	This policy is portable.
80 D Benefit Tax Benefit	Premium Paid by any mode other than cash is eligible for relief under section - 80D of the IT Act.

Star Health Senior Citizen Red Carpet Insurance Sub-limit
Sum insured	100000	200000	300000	400000	500000	750000	1000000
Particulars	Limit of Company's Liability Rs.
Cataract	15000	15000	18000	20000	21500	23000	25000
CVA	75000	150000	200000	225000	275000	300000	350000
CVD	75000	150000	200000	225000	275000	300000	350000
Cancer	75000	150000	200000	225000	275000	300000	350000
Treatment for Breakage of Bones	75000	150000	200000	225000	275000	300000	350000
Renal Complications	75000	150000	200000	225000	275000	300000	350000
All other Major Surgeries	60000	120000	150000	200000	225000	250000	275000
Medical Consultation
Sum insured	100000	200000	300000	400000	500000	750000	1000000
Medical Consultation as OPD in Network Hospital @ Rs.200 per consultation	No Provision	No Provision	Rs.600	Rs.800	Rs.1000	Rs.1,200	Rs.1,400
Premium Rates Incl. ST of 14%
Sum insured	100000	200000	300000	400000	500000	750000	1000000
In Rs.	5073	9640	14706	17671	20520	23940	25650

Additional Benefits in Sr. Citizen Red Carpet Policy Revised
1. High Sum Insured of Rs.7.5 lakhs and Rs.10 lakhs
2. First two years, including Congenital Internal Defects / Diseases - 50 Procedures / Diseases
3. Increase of Room Rent - 1% of Basic SI subject to a Max. of Rs.6000 per day
4. Increase of Sub-limit in Cataract Procedure
5. Increase of Sub-limits in Major Surgeries, no changes in sum insured of Rs.1 lakh and Rs.2 lakh
6. OPD - Medical Consultation
7. Treatment taken in Non Networking Hospital exclusion has been removed
8. No restrictions in respect of Package Charges


First Two Year Exclusions under Sr. Citizen Red Carpet Policy Revised
a. Cataract, Glaucoma, Diseases of anterior segment and posterior segment of the eyes, All diseases related to ENT, Diseases related to Thyroid, Prolapse of intervertebral disc (other than caused by accident), Varicose veins and Varicose ulcers, all diseases of Prostrate, Stricture Urethra, all types of Hernia, Varicocele, Hydrocele, Fistula / Fissure in ano, Hemorrhoids, Pilonidal Sinus and Fistula, Rectal Prolapse, Stress Incontinence and Congenital Internal disease / defect
b. Gall Bladder and Pancreatic diseases and all treatments (conservative, interventional, laparoscopic and open) related to Hepato-pancreato-biliary disease including Gall Bladder and Pancreatic Calculi. All types of management for Kidney and Genito-urinary tract calculi.
c. All treatments (conservative, interventional, laparoscopic and open) related to all diseases of Uterus, Fallopian Tubes, Cervix and Ovaries, Dysfunctional Uterine Bleeding, Pelvic Inflammatory Diseases, Benign Breast diseases.
d. Conservative, operative treatment and all types of intervention for diseases related to Tendon, Ligament, Fascia, Bones and Joint (other than caused by accident).
e. Degenerative disc and vertebral diseases including replacement of Bones and Joints and Degenerative diseases of the Musculo-skeletal system.
f. Subcutaneous benign lumps, Sebaceous cyst, Dermoid Cyst, Lipoma, Neuofibroma, Fibro adenoma, Ganglion and similar pathology.
g. Any transplant and related surgery.
This waiting period shall not however apply in the case of the insured person/s having been covered under any individual health insurance scheme with any of the Indian Insurer for a continuous period of preceding 24 months without any break.
The Claim for such illnesses/diseases/disabilities contracted/suffered if admitted will be processed as per the Sum Insured of immediately preceding 24 months policy only. Where there is a change in the sum insured in the second continuous policy year the lower of the sum insured will apply.