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.

Star Cardiac Care Health Insurance Policy Details

• This policy is for persons who have undergone for the first time the named surgery / intervention / correction for the existing Cardiac diseases.
• This policy has two Plan options – Gold Plan and Silver Plan
• Silver Plan pays for expenses incurred as an inpatient for treatment in respect of all cardiac related complications that necessitate surgery/intervention
• Gold Plan pays for expenses incurred as an inpatient for treatment in respect of all cardiac related complications that necessitate medical management, surgery/intervention.
• Under both the Plans regular hospitalization is covered under Section 1 and all Cardiac related ailments are covered under Section 2.
• Out Patient Benefit is available.
• Personal Accident: Accidental Death Cover.
• No Pre acceptance medical screening.
• 405 day-care procedures covered.

Policy Benefits: (Applicable for Both Silver Plan and Gold Plan)

Hospitalization cover

• Protects the insured for in patient hospitalisation expenses for a minimum of 24 hrs. These expenses include room, nursing and boarding charges, Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialist Fees, Oxygen, Operation Theatre, Diagnostics, imaging modalities and Cost of Medicines and Drugs, Oxygen, Blood, Operation theatre, Diagnostic and Imaging modalities.
• Ambulance charges for emergency transportation to hospital as per specified limits.
• Pre-Hospitalization expenses up to 30 days prior to admission in the hospital.
• Post-hospitalisation expenses incurred up to specified limits.
• 405 Day-care treatments covered
• Pre-Existing Diseases / Illness are covered after 48 months of continuous coverage without break with any Indian Non-Life Insurer, under Section 1
• After a waiting period of 90 days, this policy covers all treatments relating to Cardiac diseases. This waiting period will not apply for renewals.

Out-Patient Expenses

The Company will pay the amount of such expenses as are reasonably and necessarily incurred at the network hospitals/diagnostic centres as an Out Patient, provided the policy is in force

The limit of benefit under this Section is Rs.500/- per event subject to a maximum of Rs.1500/- per policy period, provided policy is in force. This benefit forms part of the Sum Insured.

Personal Accident

If at any time during the Period of Insurance, the Insured Person shall sustain any bodily injury resulting solely and directly from an Accident caused by external, violent and visible means and if such accident causes death of the Insured Person within 12 Calendar months from the date of Accident, then the Company will pay the Sum Insured mentioned in the schedule as compensation.

Star Cardiac Care Insurance Policy ELIGIBILITY

• Star Cardiac Care Insurance can be taken by any person between 10 years and 65 years of age, who has undergone for the first time.
• PTCA (Stenting) or CABG (By-pass) procedure,  within 7 years prior to the date of policy purchase or
• Atrial Septal Defect (ASD) or Ventricular Septal Defect (VSD) that has been corrected  or
• Patent Ductus Arteriosus (PDA) that has been treated or
• RF Ablation done to correct the underlying cardiac condition or
• Had an Angiogram done but no intervention was medically found necessary.

Star Cardiac Care Insurance Policy GENERAL TERMS

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.

Guaranteed Lifetime Renewals

Life-long renewals beyond 65 years are offered under this policy.

Star Cardiac Care Insurance Policy Details & Features
Age at Entry	10 Years to 65 years
Who can Buy	1. Undergone Percutaneous Transluminal Coronary Angioplasty - PTCA or Coronary Artery Bypass Graft (CABG) - Within 7 years 2. Artial Septal Defect - ASD or Ventricular Septal Defect - VSD - Corrected 3. Patent Ducutus Arteriosus (PAD) - Treated 4. RF Ablation or RF Ablation done to correct Cardiac Condition 5. Angiogram done - But intervention not found necessary
Sum Insured	3 Lac and 4 Lac
Sum Insured Enhancement	SI can be enhanced on renewal - Subject to company's discretion - Only when no Claim lodged or Paid - Waiting period will be applied on the enhanced Sum Insured
Policy Period	One year
Renewal Guarantee	Life Long
Renewal Grace Period	30 days
Section - 1	Regular Hospitalisations - Other than Cardiac related
Room Rent, Boarding and Nursing Expenses	Rs. 5000 per day
Professional Fees	Surgeon, Anesthetist, Medical Practitioner, Consultant, Specialist Fees - Actual
Other Medical Expenses	Anesthesia, Blood, Oxygen, OT Charges, Surgical Appliances, Medicines and Drugs, Diagnostic materials, X-ray, Diagnostic Imaging, Dialysis, Chemotherapy, Radiotherapy etc. - Actual
Ambulance Charges	Rs. 750 per hospitalisation - Rs. 1500 per policy year
Pre - Hospitalisaton	30 days prior to the date of hospitalisation - Actual
Post - Hospitalisation	60 days - (7% of nursing expenses, Surgeon/consultant Fees, Diagnostic Charges, Cost of medicines and drugs with Max Rs. 5000)
Section - 2 - Gold	1. Cardiac related Complications - resulting in Surgery or intervention 2. Cardiac Medical Management
Section - 2 - Silver	Cardiac related Complications - resulting in Surgery or intervention only Cardiac Medical Management not covered
Both Gold and Silver a. Room Rent, Boarding and Nursing Expenses b. Professional Fees c. Other Medical Expenses d. Ambulance Charges e. Pre-Hospitalisation f. Post - Hospitalisation	Same as Section 1
Section - 3	Out Patient Consultation - Max. Rs. 500 per consultation Max - Rs. 1500 per policy year - Payout forms part of Sum Insured
Section - 4	Personal Accident - Death Cover - Accident Cover Sum Insured Equivalent to Health Sum Insured
Day - Care Treatment	405 - Day Care Procedures
Sublimit for Cataract	Max Rs. 20,000 per hospitalisation - Max Rs. 30,000 for policy period
Treatment on Package Charges basis	80% of Package Charges paid - for Section 1 hospitalisations only
30 days - Waiting Period	Any Disease Contracted by the insured
90 days - Waiting Period	PEDs related to Cardiac ailments
24 Months - Waiting Period	Like - Cataract, ENT, Thyroid, Prolapse of intervertebral Disc (Non-Accidental), Vericose - veins & Ulcers, Prostate Disease, Hernia, Fistula/Fissure, Congenital Internal Disease, - For full list refer product broucher
48 Months - Waiting Period	PEDs - Other than Cardiac related PED - Declared in Proposal and Endorsed in Policy
Permanent Exclusions	Like - Congenital External defects, Dental Treatments(Non-Accidental), Psychiatric treatment, Venereal diseases, Intentional Self Injury, Pregnancy and child birth related, Weight Control, Cosmetic treatments, Plastic Surgery - For full list refer product broucher
Pre Acceptance Medical Screening	Not Required - But all the past medical records of the proposed insured to be submitted
Co Payment	10% on every Hospitalisation - Under Section 1 only - For Age above 60 years at ENTRY