Senior Citizens Red Carpet Health Insurance Policy

Aging - a natural process, stays to be a unique challenge for all sections of our society. Individual citizens of age group more than 60 years are considered as Senior Citizens. According to the first Longitudinal Aging Study in India (LASI), two out of every three senior citizens in India are suffering from some chronic illnesses. Diseases observed to be high among the elderly age groups include Cardiovascular diseases (CVD), chronic hypertension, Diabetes, Bone and Joint diseases and more. Health care needs are one of the retirements’ biggest ‘unknowns.’ From the financial standpoint of you, the Senior Citizens, getting a standard treatment for such chronic diseases may drain your savings with the rising medical cost and makes it hard to set your retirement saving goals. Health Insurance for Senior Citizens is needed to meet their unique health requirements. Hence, get yourself immediately covered with a right and efficacious health plan that quenches your health care needs.

Star Health Insurance presents the Senior Citizens Red Carpet Health Insurance Policy with a utilitarian approach towards the elderly citizens. This plan is uniquely designed for the senior citizens in the age group of 60 to 75 years.

The policy comes with the best benefits for the Senior Citizens, which includes a coverage for a wide range of daycare procedures involved in modern treatments, significant medical interventions, pre-existing diseases from the second policy year with the availability of constant premium with a lifelong renewable option. The policy is available on an Individual/Floater Sum Insured basis. It is apt for senior citizens looking for a best pocket-friendly premium towards medical insurance for senior citizens in India. The key highlight of the policy is that no pre-insurance medical check-up is required while buying the policy. On purchasing the policy you can also avail the benefit of tax exemption under section 80D.

Benefits of Senior Citizens Red Carpet Health Insurance Policy

On purchasing the Senior Citizens Red Carpet Health Insurance Policy, one can reap abundant benefits as listed below:

The Senior Citizens Red Carpet Health Insurance Policy extends its coverage on multiple aspects to support you, the senior citizens on your health care needs and thereby making it a adequate mediclaim policy for 60+.

Daycare procedures

Expenses towards all day-care procedures, surgeries and treatments that would require hospitalization of less than 24 hours are covered.

In-patient hospitalisation expenses

Coverage for all in-patient hospitalisation expenses up to the sum insured.

Pre- and Post-hospitalisation expenses

Pre-hospitalisation expenses are covered for a maximum of 30 days before admission in the network hospitals.

Post-hospitalisation expenses covered for a maximum of 7% of the hospitalisation expenses incurred up to the limits as specified in the policy clause.

Modern Treatments

Twelve modern treatments are covered comprising balloon sinuplasty, immunotherapy and stem cell therapy, up to sub-limits mentioned in the policy clause.

Out-Patient expenses

Any medical consultation expenses as an outpatient incurred in a network hospital are covered up to the limits with a limit of Rs.200 per consultation.

Annual Health Check-Ups

Payment of expenses towards cost of health check-up up to the limits for every claim-free year at network hospitals.

Pre-Existing Disease (PED)

You can claim for treatments on pre-existing conditions after 12 months from the policy start date.

Specific Disease/Illness Coverage

The policy covers some specific diseases/treatments only after a 24-months waiting period. Covers for cataract surgery up to specific limits based on sum insured options.

Initial waiting period – 30 days (except for accidents).

The policy does not cover the treatments and conditions listed below:

Please refer to the policy clause and wording on the website to have a detailed list of such exclusions.

Why 60+ Elderly People should take Star Health Medical Insurance

Star Health Insurance designs health plans aiming for senior citizens who had once built the nation. Senior Citizens Red Carpet Health Insurance Policy is a complete plan in support of the elderly community.

Dedicated Senior Citizens Claims & Grievances

Policyholders who have complaints against insurers are required to first approach the Complaints/Grievance Redressal Cell of the insurer in the link,

Email:gro@starhealth.in or grievances@starhealth.in

If they do not receive a response from the insurer within a reasonable period or are dissatisfied with the response of the company, contact

Integrated Grievance Management System(IGMS) - IRDAI Portal at https://igms.irda.gov.in for registering the complaints Email to complaints@irdai.gov.in

And can call Toll Free No. 155255 or 1800 4254 732.

Tax Benefit from buying Senior Citizens Red Carpet Health Insurance Policy

The key benefit of the policy is, theInsured person is eligible for tax benefits under Section 80-D of the Income Tax Act 1961 in respect of the premium paid by any mode other than cash.