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Star Health Senior Citizens Red Carpet Insurance Policy
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Star Health Senior Citizens Red Carpet Insurance Policy

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.

What is the Star Senior Citizens Red Carpet Insurance Policy?

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-

  • Individual Sum Insured
  • Family Floater Sum Insured basis

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)

Policy Type

Policy term

Tax benefits

Available

1/2/3/4/5/7.5/10/15/20/25

I.            Individual sum insured

II.            Floater Sum

Insured

1/2/3 years can be renewed

Yes, under Sec 80D of Indian IT Act

Key Features of Star Senior Citizens Red Carpet Insurance Policy

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.

  • Tax benefit on the premium amount is available under section 80 D of the Indian Income Tax Act
  • You can avail of the Portability option by applying 45 days prior to renewal date i.e. you can transfer the policy to another insurer, without losing your accrued benefits after the waiting periods.
  • It provides for pre-existing diseases cover from the second year onwards.
  • Co-payment is available for pre-existing and non-pre-existing diseases
  • All day-care procedures are covered under this health insurance plan
  • The plan coverage includes hospitalisation cover, ICU charges, Surgeon, Anaesthetist charges, etc.
  • At the time of renewal of the policy, you can apply for the sum increase. However, if there are any claims made on the policy, the request will not be considered.

Benefits of the Star Senior Citizens Red Carpet Insurance Plan

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:

  • No acquirement for a pre-insurance medical tests
  • However, if specified medical records are submitted for any medical tests done prior to the purchase, at the time of policy purchase, you can get 10% discount on the premium.
  • Outpatient medical in any network hospital
  • A variety of sum insured options
  • Guaranteed renewal for lifetime
  • The plan is available for 1/ 2/ 3 years that can be renewed.
  • Tax benefits under Section 80 D of the Income Tax Act are provided
  • If medical reports are submitted under Floater policies, self and spouse can avail discounts.
  • Cashless hospitalization under network hospitals

Exclusions under Star Senior Citizens Red Carpet Insurance plan

This Star Senior Citizens Red Carpet Insurance Plan does not provide coverage for any of the following:

  • Any sickness caused due to consumption of intoxicating substances like drugs, tobacco, or alcohol.
  • Treatment of venereal disease and sexually transmitted diseases
  • Intentional self-injury or injury due to any suicide attempt
  • Any congenital external condition or defects
  • Injury or disease caused due to war, nuclear materials, etc.
  • Expenses in vitamins and tonics, etc. are not covered under this policy.
  • Any expenses on services taken for weight control are not included
  • Charges incurred on diagnosis with no positive result of a disease/sickness.
  • Cosmetic surgery and any other charges incurred on cosmetics are not covered
  • Dental implants are not payable

Eligibility criteria to apply for the Star Senior Citizens Red Carpet Insurance Plan

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.

The claim process for the Star Senior Citizens Red Carpet Insurance Policy

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.

Claim Intimation for Star Senior Citizens Red Carpet Insurance Plan

You can access the link www[dot]starhealth[dot]in/claims#1 to intimate the company about your claim.

  • You can call at the 24-hour help-line for assistance-1800 425 2255 / 1800 102 4477
  • In the case of planned hospitalization, you need to inform the company 24 hours prior to admission
  • In case of emergency hospitalization, you need to give information within 24 hours after hospitalization
  • The cashless facility will be available in any of the network hospitals wherever possible
  • If a patient is admitted in any non-network hospitals, an up-front payment needs to be made first. Reimbursement will be made on the submission of approved documents
  • You would be required to fill in details like patient’s information and contact details, hospital information and contact details, etc.
  • Once the details are filled, you can click on the “Submit” button
  • You can also download a health claims form. You can then fill it completely and submit it at any one of the authorized Star Health centres
  • You need to inform on the toll-free number before the form is filled. This is mandatory

List of Documents required for filing a claim

The following is the list of documents required to be filed for a reimbursement claim.

  • The claim form, duly filled, with complete details including the present address, Contact number, and E-mail ID
  • Original medical bills
  • Receipts and discharge certificate from the hospital.
  • Original prescription.
  • In case of accident cases, a Self-declaration/MLC/FIR is required
  • Treating doctor's certificate.
  • Receipt and investigation test reports from a pathologist in case of prescribed tests.
  • NEFT and KYC details

Please Note

  • All claims for Pre-hospitalization expenses will have a 15 days’ window to be submitted from the date of discharge
  • Under the policy for post-hospitalization, these claims are to be submitted within 15 days after completion of the period allowed.
  • In case of claim amount being more than Rs.1, 00,000/-, KYC is to be submitted
  • All Claim documents except the Health Card should be submitted in original.

To check claim status

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.

Required Documents to apply for the plan

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:

  • Copy of PAN Card
  • Copy of Aadhaar Card
  • Passport size photographs
  • Any other document-specific as asked by the team

How to buy the Star Senior Citizens Red Carpet Insurance Policy?

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.

  • For online applications, you can access the link https://retail.starhealth.in/instant-buy
  • You would be required to enter your name, contact number and email address.
  • Enter DOB, policy type, policy term and the number of adults.
  • You will then be asked to choose your insurance cover. Based upon your choice, the premium amount will be calculated and displayed, inclusive of taxes.
  • You can download the brochure and click on “Buy Now” to purchase the policy.

Renewal Process of the Star Senior Citizens Red Carpet Insurance plan

Star Health provides an easy and hassle-free process to renew your health insurance online.

  • You just need to keep your Insurance policy number handy and access the following link: https://www.starhealth.in/customerportal/instant-renewal
  • You will be asked to fill the policy number and DOB.
  • Once done, you may click on “Renew Now” and follow the instructions.
  • If you wish to migrate to another insurer, you need to draft your application for the same at least 45 days before the renewal date.

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.

Star Senior Citizens Red Carpet Insurance Policy FAQs

  • Q. What are the options provided by this policy for the sum insured?

    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.

  • Q. Can my Star Senior Citizens Red Carpet Insurance Policy be cancelled in any circumstances?

    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.

  • Q. Are there any discounts available in the Premium amount?

    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.

  • Q. Are there any tax benefits available if I buy this Star Senior Citizens Red Carpet Insurance plan?

    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.

  • Q. Can I withdraw my Health insurance policy?

    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.

  • Q. Is there any co-payment option available under the policy?

    Ans. Yes, this Star Senior Citizens Red Carpet Insurance plan is subject to Co-payment as mentioned below;

    • For Sum Insured of Rs. 1,00,000/- to 10,00,000/- 50% of each admissible claim of any pre-existing Diseases and 30% of each and every admissible claim for all other claims
    • For Sum Insured of Rs. 15,00,000/- to 25,00,000/- for all other claims 30% of each admissible claim
Written By: Paisawiki - Updated: 27 July 2020

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