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Star Senior Citizens Red Carpet Insurance Policy is a plan that aims to provide health insurance benefits to senior citizens. This is a plan provided by Star Health that works directly as well as through various channels like agents, brokers, as well as online. It offers insurance cover to people from the age of 60 to the age of 75. The coverage can be extended, thereafter until lifetime. This policy provides the best way to care for your parents, and other older loved ones who may need medical assistance.
Star Senior Citizens Red Carpet Insurance Plan is a health insurance policy for a senior citizen. It comprehensively covers medical costs of disease, injury, or accidents. It becomes essential for the senior citizens to have an appropriate health insurance policy, as they require sufficient coverage at all times. This is a very popular plan because it covers pre-existing conditions from the second policy year.
If you compare policies for health insurance online, you will quickly conclude that Star Senior Citizens Red Carpet Insurance Plan is the optimum policy for individuals aged between 60 and 75 years. It covers medical costs due to any of these-disease, sickness, accidents, or injury. This policy offers 2 plan options in Sum Insured options-
This can range from Rs. 1 Lakh to Rs. 7.5 Lakh on Individual basis and from Rs. 10 Lakh to Rs. 25 Lakh on Family Floater basis. In most of the senior citizens' health insurance plan options, the Insured Sum option starts from a higher amount. However, this plan assures coverage for the Sum Insured of an amount that starts as low as Rs. 1 Lakh.
Sum Insured Options (in
lakhs of Rs)
I. Individual sum insured
II. Floater Sum
1/2/3 years can be renewed
Yes, under Sec 80D of Indian IT Act
Here are some of the key features of Star Senior Citizens red Carpet Insurance Policy:
If you compare various health insurance plan options online, you will find this one with some remarkable features.
If you compare policies for health insurance online, you will find that this policy of Star Health comes with a lot of benefits which are as follows:
This Star Senior Citizens Red Carpet Insurance Plan does not provide coverage for any of the following:
As compared to other plan options for health insurance, this plan does not ask for a long list of criteria, other than the fact that the person opting for the plan should be between 60 and 75 years of age at the time of entry.
Star Health Claims Services provides a customer-friendly claim process without any hassles. It ensures that all settlements are processed on time without any irregularities. You can compare plans from different companies and check the credibility of this plan by Star Health. They provide cashless claim available across all network hospitals in the country.
You can access the link www[dot]starhealth[dot]in/claims#1 to intimate the company about your claim.
The following is the list of documents required to be filed for a reimbursement claim.
You can access the official website at www[dot]starhealth[dot]in/claims#3 to check the status of your claim after it has been submitted.
You just need to enter the details of your Intimation Number and ID card number.
Alternatively, for any queries, you can contact Star Health’s toll-free number - 1800 425 2255 or 1800 102 4477.
If you are interested in buying the Star Senior Citizens Red Carpet Insurance Policy, there are not many criteria.
You can buy the policy online or get in touch at their toll-free number. You need to submit:
You can go through various comparison options online and make your final decision before you buy the policy. You can buy the plan either online or at any of Star health’s authorized centres.
You can follow the steps below to buy the plan online on their official site.
Star Health provides an easy and hassle-free process to renew your health insurance online.
You will be given a grace period of 30 days from the date of expiry of the policy for renewal.
The benefits of the policy will be continued with reference to waiting periods if renewal is made within this 30 days period.
Ans. There are several Sum Insured Options as follows:
Rs. 1,00,000/-, Rs. 2,00,000/-, Rs. 3,00,000/-, Rs. 4,00,000/-, Rs. 5,00,000/-, Rs. 7,50,000/- ,
Rs. 10,00,000/-, Rs. 15,00,000/-, Rs. 20,00,000/- and Rs. 25,00,000/- for Individual basis Sum Insured options of Rs. 10,00,0000 to Rs. 25,00,000 are available on floater basis also.
Ans. Star Health makes all efforts to provide seamless health and insurance services to all its customers, however, any kind of misrepresentation, fraud or acts of moral hazard, or any kind of non-cooperation, on the part of the insured may lead to cancellation of the policy. No refund of premium will be made where the cancellation is on the grounds of the non-cooperation of the insured. Otherwise, Refunds will be given based on the period on risk, on a pro-rata basis.
Ans. Yes, if you are making a purchase of the plan online, a discount of 5% is given.
Although no medical screening tests are required, a discount of 10% of the premium will be allowed if the applicant submits these documents- Blood Pressure Report, Stress Thallium Report, Blood urea and creatinine and blood sugar reports. They need to be approved by the company and the tests should be conducted prior to the policy purchase.
Ans. Yes, the Star Senior Citizens Red Carpet Insurance Policy makes the insured Person eligible for tax relief under Section 80-D of the Income Tax Act 1961 if the amount is paid by any mode other than cash.
Ans. Yes, you as an insurer can, at any time, cancel this policy. If you compare plans for health insurance online and decide to withdraw your Star health policy, you can always do so. In these cases, the Company shall allow a refund after retaining the premium at a period rate determined by the company. There should have been no claim made by you up to the date of cancellation.
Also, the Company reserves the right to withdraw the product with prior approval of the Competent Authority. In such cases, you will be informed three months in advance. You will get the option to choose to be covered by an equivalent or similar policy offered by Star Health.
Ans. Yes, this Star Senior Citizens Red Carpet Insurance plan is subject to Co-payment as mentioned below;