This article talks about Star Senior citizens health insurance policy. Introducing Senior Citizen health insurance Star Senior Citizen Red Carpet Plan.

Brief about Star Senior Citizens Red carpet health insurance policy plan
Star Health Senior Citizen Red Carpet Insurance Plan is optimum comprehensive health insurance for senior citizen. Designed for senior citizens over 60 years of age with several advantages.
Health Insurance cover for Senior Citizens is a must. This is a time to start being more careful about one’s health. And worry less about the medical procedure costs. Also if you are looking for a senior citizen health insurance without medical test? Then this policy should be of interest to you.
To take this policy, you can submit your details. And we will help you to know more on this senior citizen health insurance scheme. Providing you with a complete easy customized information about the star health senior citizen red carpet brochure, premium chart and benefits. All things considered this is a good senior citizen health insurance policy. For now, continue reading this post and then let us connect to discuss the same.
What are the highlights of Star Health Senior Citizen Red Carpet plan?
Cover till 75 years
For Senior citizens aged between 60 to 75 years.
No pre acceptance medical screening
As mentioned earlier, this is a senior citizen health insurance without medical check up. There is no requirement of a Pre-Insurance medical test in this policy.
Covers Pre-existing diseases
This starts from the second year onwards.
Flexible Policy Basis
Protection provided up to 25 Lacs on Individual and Floater basis.
Medical Consultations
In addition to the above points, medical consultations as an out-patient in a Network Hospital.
Constant premium
Constant premium with lifetime renewals guaranteed.
What are the different sum insured options under Star Senior Citizen Red Carpet Health Insurance Policy?
Sum insured options available on an individual basis – (all in INR) 1,00,000; 2,00,000; 3,00,000; 4,00,000; 5,00,000; 7,50,000; 10,00,000; 15,00,000; 20,00,000 and 25,00,000.
In addition to which, Sum insured options available on floater basis – (all in INR) 10,00,000; 15,00,000; 20,00,000 and 25,00,000.
What are the benefits of Star Senior Citizen Red Carpet Policy?
Section 1: Hospitalization
In this paragraph, we will discuss hospitalization cover, emergency ambulance charges and pre & post hospitalization expenses as well.
Firstly, hospitalization cover protects the insured for in patient hospitalization expenses. For a minimum period of 24 hrs.
These include expenses like firstly room, nursing, boarding, ICU charges, Surgeon and Anaesthetist. Secondly Medical Practitioner, Consultants, Specialist fees, Cost of Medicines and Drugs.
Section 2: Ambulance Charges
Next, emergency ambulance charges are also provided based on the sum insured amount.
Section 3: Pre and Post Hospitalization expenses of Star Senior Citizen Plan
Also Pre-hospitalization expenses up to 30 days prior to admission in the hospital. After that Post hospitalization expenses equivalent to 7% of the hospitalization expenses. However this comprises of nursing, surgeon, consultant fees, medicines and drug expenses.
Section 4: Medical Consultation expenses
As mentioned earlier, expenses on Medical Consultations as an outpatient incurred in a network hospital with a limit of INR 200 per consultation is provided.
Section 5: Cost of health check up
Every claim free year the health check up cost is payable. In addition to it the health checkup should be in network hospitals and the policy has to be in force.
What is the eligibility for this policy?
As stated before, Senior Citizens between 60 years and 75 years of age at the time of entry can take this Insurance.
General Terms of the policy?
Pre-Existing Diseases
Pre-Existing Diseases/Illness are covered after 12 months of continuous coverage.
Pre-Acceptance medical screening
We spoke before that there is no pre-acceptance medical screening. In addition, if following medical records of the person proposed for insurance are submitted. Like Stress Thallium Report, BP Report, Sugar (blood & urine) (Fasting / Postprandial), Blood urea & creatinine, therefore, a discount of 10% is allowed.
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
Free Look Period: At the time of inception of the policy, the Insured will be allowed a period of 15 days. From the date of receipt of the policy to review the terms and conditions of the policy. And to return the policy if not acceptable.
In such a case, the premium refund shall be as follows :
If the Insured has not made any claim during the free look period. The Insured shall be entitled to –
- A refund of the premium paid less any expenses incurred by the Insurer. On medical examination of the insured persons and the stamp duty charges.
- Also where the risk has already commenced. Afterward, the option of return of the policy is exercised by the policy holder. A deduction towards the proportionate risk premium for period on cover.
- Finally, where only a part of the insurance coverage has commenced. Such proportionate premium commensurate with the insurance coverage during such period.
Free look period shall not be applicable at the time of renewal.
NOTE: Renewal premium, terms and conditions are subject to change with prior approval from IRDAI.
Co Payment
This policy is subject to Co-payment mentioned below:
For Sum Insured of Rs.1,00,000/- to 10,00,000/-
- 50% of each and every admissible claim arising out of Pre-Existing Diseases.
- And 30% of each and every admissible claim for all other claims.
For Sum Insured of Rs.15,00,000/- to 25,00,000/-
- 30% of each and every admissible claim.
What are the STAR advantages?
Firstly, No third-party administrator, direct in-house claim settlement.
Secondly, Faster & hassle-free claim settlement.
Finally, a network of more than 9900+ hospitals across India.
NOTE: The benefits mentioned herein are only an outline of the policy.
Need more details? Get in touch with us by entering your details below and we will tell you how you can take this plan.
Started in 2004, we have provided life and health insurance services in Thane and Mumbai. Firstly we will help you get insured and secure your lives. With our expertise, we will provide guidance on what to look for when you are about to buy a policy. We insure, protect and empower your lives providing you the right fit for your insurance needs.