About Star Health Insurance Red Carpet
Star Health Senior Citizens Red Carpet Health Insurance Policy is a plan for senior citizens. It offers cover to people from the age of 60 and allows the admission right up to the age of 75. The coverage can be extended, thereafter till lifetime . It is the best way to care for your parents, and other older loved ones. When the plan is issued for more than 1 year, the sum insured is for each and every year, without any carryover advantage thereof. The policy is available on an individual as well as a floater basis.
This policy of Star Health comes with a lot of benefits such as no acquirement for a pre-insurance medical test, medical consultations as an outpatient in a network hospital, a wide range of sum insured options and guaranteed lifetime renewal of the policy. The plan is available for 1 or 2 or 3 years that can be renewed
Red Carpet Plan Details
Features/Plan
|
Red Carpet
|
Room Rent
|
10 lakh - 1% of SI
(max Rs. 6000), 15 lakh - Rs. 7000, 20 lakh - Rs. 8500, 25 lakh - Rs.10000
|
ICU Charges
|
2% of SI up to 10 lakh & 15 lakh; 20 lakh, 25 lakh -
Actual
|
Pre and Post
Hospitalization
|
Pre-hospitalization - 30 days, post hospitalization - maximum
up to Rs. 10000 (depends on SI)
|
Key Inclusions and Exclusions of the Plan
What's Included
·
Tax
benefit on the premium amount is available under section 80D of IT Act
·
Portability
option can be availed by applying 45 days prior to renewal date
·
Co-payment
is available for pre-existing and non-pre-existing diseases
·
All
day care procedures are covered under this health insurance plan
·
The
plan coverage involves hospitalization cover and ICU charges etc.
What's Not Included
·
Use
of intoxicating substances like drugs, alcohol, tobacco and so on
·
Treatment
of venereal disease and sexually transmitted diseases
·
Intentional
self-injury or injury caused due to a suicide attempt
·
The
plan doesn’t include congenital external condition, defects or anomalies
·
Injury
or disease caused due to warlike operations, nuclear materials etc.
Expert Review for Star Health Red Carpet
· Expert Review
Different people have different
requirements for health insurance, depending on their age. And as far as old
age is concerned, it becomes difficult to purchase an affordable health
insurance policy then. But with Star Health’s Senior Citizens Red Carpet Insurance
Policy, you need to worry less. This policy completely solves your purpose of
living a healthy life at old age.
Senior
Citizens Red Carpet Health Insurance Policy is the optimum policy for the
individuals aged between 60 to 75 years. Available on Individual Sum Insured
and Family Floater Sum Insured basis, this plan offers choice in Sum Insured
options ranging from Rs. 1 Lakh to Rs. 7.5 Lakh on Individual basis and
from Rs. 10 Lakh to Rs. 25 Lakh on Family Floater basis. If compared to other senior
citizens health insurance plans, the Sum Insured options, for instance, in
Religare’s Care Senior Plan, start from a higher amount. But this plan allows
you to get coverage for Sum Insured of even Rs. 1 Lakh
Major Attractions
Star Health Senior Citizens Red
Carpet Health Insurance comes with several advantages that addresses the
critical health care requirements during old age. Some of them are listed below:
· All daycare procedures are covered
· Room, boarding and nursing expenses
· Emergency ambulance charges up to a specified limit
· Surgeon, Anesthetist, Specialist’s or Consultant’s fee up to 25%
of the Sum Insured for every
· Expenses for outpatient consultation in the network hospitals up
to a specific limit
· 60 days post-hospitalization expenses for hospitalization due to disease, illness or injury
· 30 days pre-hospitalization expenses for hospitalization due to disease, illness or injury
· Cost of health check-up up to the specified limit at the network
hospital for every claim-free year
· Anesthesia, Oxygen, Blood, cost of Pacemaker, OT charges, etc. up
to 50% of the Sum Insured for every hospitalization
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