Star Health Senior Citizen Red Carpet Insurance

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Star Health Senior Citizen Red Carpet Insurance Plan

 

Star Health Senior Citizen Red Carpet Insurance Plan is a comprehensive health insurance policy for senior citizen which covers medical expenses incurred by a person due to any illness, disease sickness, injury or accidents. Senior Citizens require adequate health care at all times and hence it becomes crucial for them to have a proper health insurance policy. This plan of Star health which is specially designed for senior citizen is very popular because it covers pre-existing diseases from the second policy year.

 

 

Key Features of Star Health Senior Citizen Red Carpet Insurance Plan

 

  • Specially for individuals between the age group of 60 and 74 years
  • No medical tests are required for this policy
  • Pre-existing diseases are covered from the second policy year

 

 

What is covered in Star Health Senior Citizen Red Carpet Insurance Policy?

 

  • Hospital room accommodation – is provided upto 1% of sum insured and upto 2% of sum insured for ICU expenses
  • Nursing expenses, Surgeon's fees, Consultant's fees, Anesthetist's and Specialist's fees are all included.
  • Emergency ambulance charges are paid till specific limit as mentioned.
  • Cost of medicines and drugs, blood, oxygen, pace-maker and diagnostic tests are covered till 50% of sum insured.
  • Post hospitalization benefits are paid for upto 7% of hospitalization expenses upto a maximum of Rs 5000.

 

 

Additional Benefits of Star Health Senior Citizen Red Carpet Insurance Policy

 

  • 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.
  • Certain treatment have an upper limit mentioned as below:
    • Cardiovascular Diseases and Cerebrovascular Accident/Cancer and breakage of Bones: Upto Rs.75,000 for sum insured of Rs.1,00,000 and upto Rs.1,50,000 for sum insured of Rs.2,00,000
    • Both eyes Cataract surgery is covered upto Rs.15,000
    • Renal Complications upto Rs.75,000 for sum insured of Rs.1,00,000 and upto Rs.1,50,000 for sum insured of Rs.2,00,000
  • Other Major Surgeries are covered upto Rs.60,000 for sum insured of Rs.1,00,000 and upto Rs.1,20,000 for sum insured of Rs.2,00,000 

 

 

Eligibility and Restrictions of Star Health Senior Citizen Red Carpet Insurance Plan

 

 

Minimum

Maximum

Coverage Amount (in Rs.)

1,00,000

2,00,000

Policy Term (in years)

1

1

Entry Age (in years)

60 years

74 years

Renewable till Age (in years)

-

No Limit

 

 

Family floater policy will cover

 

§         Not available with this plan.

 

 

Tax Benefits in Star Health Senior Citizen Red Carpet Insurance Plan

 

Health Insurance premiums paid in any mode other than cash up to Rs. 15,000 and Rs 20,000 for senior citizen are allowed as a deduction from the taxable income each year under section 80D of the Income Tax Act.

 

 

Exclusions - What is not covered in Star Health Senior Citizen Red Carpet Insurance Plan?

 

  • Initial waiting period of 30 days from commencement of the policy, no claims will be admitted.
  • Certain diseases are excluded in the first year of operation like Fistula in anus, Piles, Sinusitis and related disorders, congenital internal disease/defects, removal of gallstones and renal stone, Benign Prostate Hypertrophy, Hernia, Hydrocele
  • Some of the diseases are excluded in the first Two Years of operation, which are knee replacement surgery which is caused other than by an accident, Cataract, Hysterectomy for Menorrhagia or Fibromyoma, Prolapse of inter-vertebral disc (other than caused by accident),varicose veins and varicose ulcers
  • Cosmetic surgery and Naturopathy treatment are not included
  • Expenses which are purely diagnostic in nature is also not included in this plan

 

 

Alternate Senior Citizen Insurance Plans from other insurance companies

 

National Insurance Varistha Mediclaim Policy

New India Assurance Mediclaim

Bajaj Allianz Silver Health for Senior Citizen

 

 

Other Health plans from Star Health Insurance

 

Star Family Health Optima Insurance

Star Health Gain Insurance

Star Health Super Surplus

Star Health Medi Classic

~ By Deepak Yohannan
Note: This is a statement of facts based on the information collected from the Star Health Senior Citizen Red Carpet Insurance brochure and insurance company's website. It should not be construed as a Critical or Favourable Star Health Senior Citizen Red Carpet Insurance Review, Analysis or Recommendation.
Insurance is a subject matter of the solicitation.


Leave a Comment

I have opted senior citizen policy for my father 3 years back of new india insurance, My I take Super top policy from any other insurance company for him. His age is 66. Current insurance cover is of 1.5 L Rs.

By Shailendra Kale on Jan 31, 2014 Reply

Yes Shailendra, go for a top up policy from any of the general insurance companies. Try for a 3 to 5 lac top up cover

Replied By Manoj Aswani (MIC Staff) on Feb 04, 2014 Reply

I have policies for my parents from star health .......Am not satisfied with the list of network hospitals in indore all small nursing homes are mentioned excluding good corporate hospital .........I am sorry to say ICICI Lombard has a better network hospital coverage as compared to you

By Anjali Singh on Dec 25, 2013 Reply

How to include Diabetes existing disease also as rider and also Policy amount 3 Lakh over an above other Policy already

By A S Karanth on Aug 15, 2013 Reply

Dear Karanth, usually the existing diseases are excluded for 3 to 4 years and after that they automatically become covered as part of the standard plan. You cannot this to the existing plan of yours.

You can however go in for a plan from Star health which provides cover to those suffering from diabetes.

You can check out the details of the plan below:

http://www.myinsuranceclub.com/Brochures/Star-Health-Diabetes-Safe-Plan-Brochure.pdf

Replied By Admin (MIC Staff) on Aug 16, 2013 Reply

dear sir/mam,

i want mediclaim policy for my mother & father. my mother age 59 & father age 65 .premium is not issue plz clear what is the amount cover .we want maximum 10 lakh. u know that these days normal angoiplasty & pacemaker taken the 8 to 9 lakh.plz replay or contact me 7509061506

By Abhishek Sharma on Feb 25, 2013 Reply

I want to purchase this policy for may parents, please send me policy details my mail id. ( age 65 ~ 72)

By C.Palani

By C.Palani on Feb 19, 2013 Reply

Sir/Madam,
My mother is of 61 and father 63 years , is it possible to hv policy

please tell me maximum limit

Thanks

By Dr Pallavi Mittal on Feb 11, 2013 Reply

Please share me the latest brochure of senior citizen red carpet.

By Navas on Jul 20, 2012 Reply

Will you please send me scanned copy of latest mediclaim policy brocure for low and high income group, which will come into market shortly ?

By Debabrata Sengupta on Jul 18, 2012 Reply

Two and half years before, I have taken 3 lakhs family cover package at STAR. Now I am going for eye surgery (one eye-cataract). How much I will be getting from this package. Thanks,
D Gunasekaran 9941888179

By D Gunasekaran on Jul 03, 2012 Reply

My husband is 62 years and I an 52 . We want to take a cashless mediclaim policy for both of us.
I would like to know the details of the policy which is most suitable for us,

By Smita Pawar on Jul 02, 2012 Reply

My mother is 73 years old. Whether I can take a Health Policy from you. If so, what will be
the premium for 1 lacs policy.

By P V V Subramanian on Jun 18, 2012 Reply

Basically, senior citizens health policy are availabe with co-payment and sub-limit options.

By Siva Sankar on Sep 13, 2011 Reply

Basically, senior citizens health policy are availabe with co-payment and sub-limit options.

By Siva Sankar on Sep 13, 2011 Reply

I along with my wife Anupama Prasad aged between 61 - 64 want to take a senior citizen h
ealth policy.Please narrate the special features of this policy.
Thanking You
S.B.Prasad
11 |09| 2011.

By Shashi Bhushan Prasad on Sep 11, 2011 Reply

I WANT TO PURCHASE OF MEDICLAIM POLICY FOR MY Senior Citizen PARENTS

By S,K,Lal on Apr 21, 2011 Reply

buy online

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