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Senior Citizen Red Carpet is a Star health insurance plan exclusive designed for senior citizens. Senior Citizen Red Carpet provides compensation of expenses incurred for treatment of illness/disease/sickness only at the Star Health network hospitals.
Any old person between the age of 60 years and 69 years can take the Senior Citizen Red Carpet health insurance plan. Pre-insurance medical test is not required to take this insurance. The minimum amount that can be insured in this plan is Rs. 1, 00,000 for which the premium is Rs. 4,908. The maximum amount that can be insured is Rs. 2, 00,000 for which the premium is Rs. 9,326.
Benefits of Senior Citizens Red Carpet:
- Life long renewal even after 69 years
- Offers excellent hospitalization cover with extended benefits.
- Offers excellent post hospitalization cover.
- All the pre-existing diseases are covered under this plan
- Any treatment for the diseases which was incurred preceding the 12 months of the policy purchase will be covered from the second year onwards
- Provides excellent Tax benefits under Section 80D of the Income Tax Act.
The hospitalization cover of Senior Citizens Red Carpet Insurance includes in-patient hospitalization expenses, ICU expenses, nursing expenses, surgeon’s fees, consultant’s fees, anesthetist’s fees, specialist’s fees, emergency ambulance charges, cost of blood/ oxygen/ pacemaker, cost of treatment for cardiovascular diseases/ cerebrovascular diseases/ accident/ cancer/ breakage of bones/ cataract/ renal complications, and cost of treatment for all other major surgeries. The policy also offers post-hospitalization cover.
Senior Citizens Red Carpet does not cover 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. This policy does not cover the cost of treatment for certain diseases such as hernia, piles, sinusitis, etc., during the first year, and for certain diseases such as hysterectomy, cataract, joint/knee replacement surgery during the first two-year. There are also some other exclusions as well for the first year, second year or permanent exclusions under this policy from Star Health, do check them out before buying this exclusive elders health insurance plan.
This is an ideal plan for the senior citizens who do not have an existing health insurance policy and also because they are also not covered by Family Health Optima which in fact is the family floater plan from Star Health.