Senior Citizens Red Carpet

Turning sixty is a major milestone and for people, a time to start being more careful about their health. It is a matter of concern that insurance policies are hardly available to address this critical requirement. STAR Health is proud to introduce India's first health insurance policy aimed specifically at senior citizens. It provides cover for anyone over the age of 60 and permits entry right up to the age of 69 with continuing cover after that. It is our way of caring for a generation that has done so much to build the country.

Major product features

For people aged between 60 and 69 years
Guaranteed renewals beyond 69 years
No pre-insurance medical test required
Treatment at network hospitals only
All pre-existing diseases are covered from first year, except those for which treatment or advice was recommended by or received during the immediately preceding 12 months from the date of proposal
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

Policy benefits

Hospitalization Cover: In-patient hospitalization expenses for a minimum of 24 hours. Includes room rent and boarding @1% of sum
ICU expenses per day @ 2% of sum insured
Nursing expenses
Surgeon's fees, consultant's fees, Anesthetist's and specialist's fees, per illness @ 25% of sum insured
Cost of blood, oxygen, pacemaker
Cost of drugs and diagnostic tests @ 50% of sum insured per hospitalization
Treatment for Cardiovascular Diseases / Cerebrovascular Accident/Cancer and breakage of Bones : upto Rs.75,000/- where the sum insured is Rs.1,00,000/- and upto Rs.1,50,000/- where the sum insured is Rs.2,00,000/-
Cataract (both eyes included), up to Rs.15,000/-
Renal Complications : upto Rs.75,000/- where the sum insured is Rs.1,00,000/- and upto Rs.1,50,000/- where the sum insured is Rs.2,00,000/-
All other Major Surgeries : upto Rs.60,000/- where the sum insured is Rs.1,00,000/- and upto Rs.1,20,000/- where the sum insured is Rs.2,00,000/-
Emergency Ambulance Charges for transporting the Insured Person to the Hospital @Rs.600/- per Hospitalization and Rs.1200/- per Policy period

Post-hospitalization

Post-hospitalization - a lumpsum calculated at 7% of the hospitalization expenses (excluding room charges),subject to a maximum of Rs 5,00o is payable.

Policy Premium - including service tax

1,00,000 - 4,908.00
2,00,000 - 9,326.00

Tax benefits

Premium paid by cheque A/C, STAR HEATLH AND ALLIED INSURANCE COMPANY LIMITED. Is eligible for relief as provided under Section 80 D of the Income Tax Act.

Exclusions

Treatments currently availed or availed during the previous 12 months from date of proposal
Any expenses incurred for treatment of illness/disease/sickness contracted by the insured person during the first 30 days from the commencement date of the policy
First year exclusions: Hernia, Piles, Hydrocele, Congenital Internal disease/defect, Sinusitis, Gall Stone/Renal Stone removal and Benign Prostrate Hypertrophy
First Two-Year Exclusions: Hysterectomy, Cataract, Joint/Knee Replacement surgery(other than caused by an accident),Prolapsed Intervertebral Discs, Varicose Veins, Ulcers
Naturopathy treatment
Expenses which are purely diagnostic in nature with no positive existence of any disease
Expenses for treatments that are mainly cosmetic in nature
50% co-payment applicable for pre-existing diseases conditions
30% co-payment applicable for all other claims

Note: For a detailed list of exclusions, refer policy document

Claim procedures

Call the 24-hour helpline for assistance
Inform the ID number for easy reference
In case of a planned hospitalization, please inform 24 hours prior to admission into the hospital
In case of emergency hospitalization, information to be given within 24 hours after the hospitalization
Cashless facility can be availed at all network hospitals
In non-network hospitals, payments must be made up-front and then reimbursement will be effected on submission of documents

NOTE: The benefits and exclusions mentioned herein are only an outline of the policy. For complete details, please contact Help Line 099946 12916, 090430 32916

How to buy this insurance?

Please contact us through our Help Line 099946 12916, 093628 54443/ SMS / SMSTAR TO 56070