Star Allied Senior Citizen Red Carpet Plan
Product Overview
Star - Senior Citizen Red Carpet Health Insurance Plan is a hospitalization policy, which covers inpatient treatment for a minimum period of 24hrs, along with other benefits like day care treatments, Ayurvedic treatment, etc.
Unique Features of Star Allied Senior Citizen Red Carpet Health Insurance Plan
- No Medical Test Required for any age.
- Any Pre-Existing diseases will be covered after a waiting period of 1 year.
- Medical Consultations is covered as an Out Patient in Network Hospital.
- Premium remains constant for all age Brackets.
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Critical features of Star Allied Senior Citizen Red Carpet Health Insurance Plan
- Room rent:
Limits imposed towards room and ICU rent expenses
- Up to 1% of sum insured maximum up to Rs 6000 per day.
- Up to 2% of sum insured per day for ICU expenses
- Co-Pay:
Specific % of admissible claim amount to be borne by Insured
- 30% co-payment of any admissible claim amount
- 50% co-payment of admissible claim amount for pre-existing diseases
- Treatment for specified diseases subject to limits is given in the below chart.
- No Claim Bonus:
Health Insurance policies may offer Cumulative Bonus wherein for every claim free year, the Sum Insured is increased by a certain percentage at the time of renewal
This plan does offer no claim bonus benefits - Pre-Existing Diseases:
Means any condition, ailment or injury or related condition(s) for which you had signs or symptoms, and / or were diagnosed, and / or received medical advice/ treatment, within 48 months prior to the first policy issued by the insurer
This Plan has a waiting period of 1 year in case of pre-existing diseases
Eligibility Criteria
- Minimum Age of Entry:- 60 years
- Maximum age of Entry:- 75 years
- Renewal Age:- Life Long Renewal
- Sum Insured:- Rs 1 lakh to 10 lakhs
- Policy Tenure:- 1 year
- Premium Calculated on Basis of:- Sum Insured Chosen
Exclusions
- Expenses arising out of or attributable to alcohol or drug use/misuse/abuse
- Medical expenses incurred for treatment of AIDS
- Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion and its consequences
- Congenital disease
- Tests and treatment relating to infertility and in vitro fertilization.
- War, riot, strike, nuclear weapons induced hospitalization.
- Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide)
- Expenses arising out of or attributable to alcohol or drug use/misuse/abuse
- Cost of spectacles/contact lenes,dental treatment
- Medical Expenses relating to any hospitalisation primarily and specifically for diagnostic, X-ray or laboratory examinations and investigations
Note: Any claims arising out of or attributable to any of the following are not covered. Please refer to the policy wordings for a detailed list of Exclusions.
Tax Benefits
The premium paid for health insurance policy is liable to get a tax rebate under section 80D of the Income Tax Act, 1961.
Claim Process
In case you would like to know about the Claim Process or would like to register a Claim please click the link below
