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The Senior Citizens Red Carpet Health Insurance Policy offered by Star Health Insurance is specifically aimed at senior citizens. Cover is provided for individuals between the ages of 60 years and 75 years. However, lifelong renewals are allowed.
The eligibility criteria for the Star Senior Citizens Red Carpet Health Insurance Policy are mentioned below:
The duration of the policy can be 1 year, 2 years, and 3 years. However, the policy can be renewed. The policy is available on both Individual Sum Insured and Floater Sum Insured basis.
The sum insured options that are provided under the policy are mentioned below:
The premium charges under the Star Senior Citizens Red Carpet Health Insurance Policy are mentioned in the tables below:
Sum Insured | 1 year (excluding tax) | 2 years (excluding tax) | 3 years (excluding tax) |
Rs.1 lakh | Rs.4,450 | Rs.8,610 | Rs.12,170 |
Rs.2 lakh | Rs.8,456 | Rs.16,360 | Rs.24,155 |
Rs.3 lakh | Rs.12,900 | Rs.24,960 | Rs.36,845 |
Rs.4 lakh | Rs.15,501 | Rs.29,990 | Rs.44,275 |
Rs.5 lakh | Rs.18,000 | Rs.34,825 | Rs.51,410 |
Rs.7.5 lakh | Rs.21,000 | Rs.40,630 | Rs.59,980 |
Rs.10 lakh | Rs.22,500 | Rs.43,530 | Rs.64,265 |
Rs.15 lakh | Rs.29,205 | Rs.56,500 | Rs.83,415 |
Rs.20 lakh | Rs.32,710 | Rs.63,285 | Rs.93,425 |
Rs.25 lakh | Rs.35,985 | Rs.69,620 | Rs.1,02,780 |
Sum Insured | 1 year (excluding tax) | 2 years (excluding tax) | 3 years (excluding tax) |
Rs.10 lakh | Rs.38,250 | Rs.74,000 | Rs.1,09,245 |
Rs.15 lakh | Rs.49,650 | Rs.96,055 | Rs.1,41,805 |
Rs.20 lakh | Rs.55,610 | Rs.1,07,585 | Rs.1,58,830 |
Rs.25 lakh | Rs.61,175 | Rs.1,18,350 | Rs.1,74,720 |
Some of the key features of Star Senior Citizens Red Carpet policy can be listed as follows:
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Star Senior Citizens Red Carpet policy comes with a range of benefits against various hospitalisation expenses. The benefits can be provided as follows:
Room, boarding, and nursing expenses | Depending on the sum insured, the daily limit will vary. | |
Intensive care unit charges | Rs.1 lakh – Rs.10 lakh: Up to 2% of the sum insured per day. | Rs.1 lakh – Rs.10 lakh: Up to 2% of the sum insured per day. |
Hospitalisation expenses covered | Up to 25% of the sum insured for surgeon’s fees, consultant’s fees, specialist’s fees, etc. Up to 50% of the sum insured for blood, anaesthesia, cost of pacemaker, oxygen, operation theatre charges, etc. | |
Ambulance charges | Depending on the sum insured, the ambulance charges will vary. The ambulance charges can range between Rs.600 to Rs.3,000. | |
Outpatient medical consultations | Available for sum insured higher than Rs.3 lakh | |
Post hospitalisation medical expenses | Up to 7% of the hospitalisation expenses incurred comprising nursing charges, surgeon fees, diagnostic charges, medicines and drugs, etc. Depending on the sum insured, the post hospitalisation charges can range between Rs.5,000 and Rs.10,000. |
Star’s Senior Citizens Red Carpet policy comes with a few exclusions for which the company is not liable to provide any compensation. Some of these exclusions are as follows:
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