Star Senior Citizens Red Carpet

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.

Eligibility For Star Senior Citizens Red Carpet

The eligibility criteria for the Star Senior Citizens Red Carpet Health Insurance Policy are mentioned below:

• Cover is available for senior citizens between the ages of 60 years and 75 years.
• Lifelong renewals guaranteed for people who enter within the specified entry age.
• Pre-acceptance medical screening is not required.

Policy Term and Policy Type

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.

Sum Insured & Premium Charges

The sum insured options that are provided under the policy are mentioned below:

Sum Insured on Individual Basis

• Rs.1 lakh
• Rs.2 lakh
• Rs.3 lakh
• Rs.4 lakh
• Rs.5 lakh
• Rs.7.5 lakh

Sum Insured on Individual and Floater Basis

• Rs.10 lakh
• Rs.15 lakh
• Rs.20 lakh
• Rs.25 lakh

The premium charges under the Star Senior Citizens Red Carpet Health Insurance Policy are mentioned in the tables below:

Individual (1A)

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

Floater (2A)

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

Features Of Star Senior Citizens Red Carpet

Some of the key features of Star Senior Citizens Red Carpet policy can be listed as follows:

• All pre-existing diseases and illnesses are covered after 12 months of continuous policy coverage.
• 50% of co-payment is mandatory for claims related to pre-existing diseases. For other claims, 30% co-payment is required.
• The sum insured amount originally opted can be enhanced during renewal provided that there is no claim being made under this policy. This enhancement is subject to the discretion of the company.
• Portability option is available if the insured wants to move the policy to another insurer in the market. In order to avail this, the company must be notified at least 45 days before the renewal due date.
• Income tax relief can be obtained for the premium charges paid towards this policy as per Section 80D of the Income Tax Act.
• The policy term is one year, and it must be renewed annually.
• A grace period of 30 days is available for the renewal of this policy.
• A free look period of 15 days is available. If the insured is not satisfied during this period, the policy can be returned without incurring any cost.

Benefits Of Star Senior Citizens Red Carpet

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.

Exclusions From Star Senior Citizens Red Carpet

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:

• Any diseases contracted during the first 30 days of commencement of the policy
• Conditions like cataract, gall bladder diseases, uterus diseases, vertebral diseases, transplant related surgery, etc. for the first two years of the policy period
• Circumcision, inoculation, or vaccination
• Dental treatment or surgery unless arising out of accidents
• Any forms of cosmetic surgery and/or implants
• Convalescence, general debility, nutritional deficiency, congenital external diseases, general birth defects, anomalies, venereal diseases, sexually transmitted diseases, etc.
• Intentional injuries, suicide, or attempt to suicide
• Injuries caused while under the influence of alcohol or drugs
• Injuries caused by war or warlike activities
• Treatments related to pregnancy, childbirth, miscarriage, abortion, etc.
• Treatments related to weight loss or weight management
• Expenses related to treatment of illness through systems of medicines other than allopathy
• Cost of spectacles, contact lens, hearing aids, cochlear implants, etc.

Claim Procedure

• You can call the 24-hour helpline (1800 425 2255/ 1800 102 4477) for assistance.
• In the case of planned hospitalisation, the insurer must be informed at least 24 hours before admission.
• In the case of an emergency, the details must be provided to the insurer within 24 hours after hospitalisation.
• Cashless facility is provided at network hospitals.
• In the case of a non-network hospital, you must make the payment. However, reimbursement will be provided after the necessary documents are submitted.