Star Red Carpet Health Insurance

Star Health Senior Citizens Red Carpet Health Insurance Policy is specially designed for older individuals. This health insurance plan provides coverage for people aged 60 and above and the coverage can be extended for a lifetime, making it an ideal way to ensure the well-being of your parents and other elderly family members. If the policy is issued for more than one year, the sum insured is applicable for each year, without any carryover advantage.

This policy, offered by Star Health, comes with several advantages and has a co-payment feature attached to it. There is no requirement for a pre-insurance medical test, and it covers outpatient medical consultations in network hospitals. With a variety of sum insured options, the policy ensures guaranteed lifetime renewal. You can choose between an individual or family floater basis for this policy. Additionally, it is available for durations of 1, 2, or 3 years, and can be easily renewed.

Star Red Carpet Health Insurance At a Glance

Check the features of Star Medical Insurance for senior citizens Red Carpet plan in the given table below:

Key Features of Star Red Carpet Health Insurance Plan

The following are the significant features of the Star Health Insurance for Senior Citizens Plan:

• Flexible Sum Insured: The Red Carpet Policy offers flexibility in choosing the Sum Insured, providing a range of options for both Individual and Floater bases. For Individual coverage, policyholders can select from sums such as Rs. 1, 2, 3, 4, 5, 7.5, 10, 15, 20, or 25 lakhs. If opting for a Floater basis that covers both the policyholder and their spouse, choices include sums of Rs. 10, 15, 20, or 25 lakhs.
• Modern Treatment Coverage: The insurance policy includes coverage for modern treatments, including expenses related to Oral Chemotherapy, Intra Vitreal injections, Robotic Surgeries, and more. The coverage extends up to the limits specified in the policy clause, ensuring that policyholders have financial support for advanced medical treatments that may be necessary for their well-being.
• Premium Discounts: Policyholders can benefit from premium discounts with the Red Carpet Policy. There is a 5% discount available for those who purchase or renew the policy online. Additionally, individuals who are proactive about their health and undergo the listed medical tests within 45 days before purchasing or renewing the policy can enjoy an extra 10% discount.
• Pre-Existing Diseases Waiting Period: The policy addresses Pre-Existing Diseases (PED) by covering them and their complications after a waiting period of 12 months. This waiting period is subject to the condition that the pre-existing conditions were declared at the time of application and accepted by the insurer, ensuring transparency and fair coverage for the policyholder.
• Outpatient Consultation Coverage: Outpatient consultation at network hospitals is covered by the Red Carpet Policy, with payment made up to the specified limits mentioned in the policy clause. This feature ensures that policyholders have financial assistance for outpatient medical consultations.
• Entry Age: The Red Carpet Policy caters specifically to senior citizens, allowing individuals aged between 60 and 75 years to avail themselves of this health insurance policy. With a constant premium and the option for lifelong renewal, the policy ensures that senior citizens can secure health coverage tailored to their age group, providing financial protection for an extended period.
• Flexible Policy Type: Policyholders have the flexibility to choose the type of policy that best suits their needs. The Red Carpet Policy can be availed either on an Individual or Floater basis, offering options for those who prefer coverage for themselves alone or coverage that extends to include their spouse under a single policy.
• Co-payment: Co-paymentis applicable to this health insurance policy. This means that when you make a claim, you have to pay a certain percentage of the costs yourself. In this policy, you are responsible for paying 30% of the expenses for any claims you make.

Eligibility Criteria of Star Red Carpet Health Insurance Plan

The eligibility criteria for the Star Red Carpet Health Insurance plan are as follows:

Benefits of Star Red Carpet Health Insurance Plan

The benefits of this health insurance plan are as follows:

• Tax Benefit under Section 80D: You can enjoy a tax benefit for the premium paid under Section 80D of the Income Tax Act, 1961. This means you get a deduction from your taxable income, providing a financial advantage while securing your health.
• 15-Day Free Look Period: Upon receiving the policy, you have a 15-day free look period to review and decide. If you find the policy doesn't meet your needs, you can cancel it within this period.
• Inpatient Hospitalisation Coverage: All expenses related to inpatient hospitalization are covered, giving you financial support for hospital stays and necessary medical treatments.
• Ambulance Charges Coverage: Charges for emergency ambulance transportation to the hospital are covered, ensuring you have assistance when you need urgent medical attention.
• Lump-sum Post-Hospitalisation Benefit: After hospitalisation, you receive a lump-sum payment up to the specified limit, helping you cover post-hospitalization expenses and recovery costs.
• Coverage for Day-Care Procedures: Certain day-care procedures, which don't require overnight hospital stays, are covered, providing comprehensive coverage for a range of medical treatments.
• Policy Portability: You have the flexibility to transfer your policy from one insurance provider to another, giving you the freedom to choose the health coverage that best suits your needs.
• ICU Expenses Coverage: Expenses incurred in the Intensive Care Unit (ICU) are covered, offering financial support for critical medical care when needed.

Inclusions of Star Red Carpet Health Insurance Plan

Listed below are the inclusions of this Star Health Insurance policy:

• In-Patient Hospitalisation: The Star Red Carpet Health Insurance plan offers coverage for hospitalisation expenses lasting more than 24 hours due to illness, injury, or accidents. This provides financial support for extended medical stays.
• Pre-Hospitalisation: In addition to in-patient care, medical expenses incurred up to 30 days before hospital admission are covered under the Star Red Carpet Health Insurance. This ensures comprehensive coverage from the early stages of treatment.
• Post-Hospitalization: Medical expenses after hospitalisation are covered, up to 7% of the hospitalisation expenses, offering support during the recovery phase within the specified policy limits.
• Room Rent: Coverage includes room, boarding, and nursing expenses during in-patient hospitalisation, with a maximum of Rs. 10,000 covered for the chosen Sum Insured.
• ICU Charges: Up to 2% of the Sum Insured is payable for ICU charges (up to Rs. 10 lakhs), and for Sum Insured from Rs. 15 lakhs to Rs. 25 lakhs, ICU charges are covered up to actuals.
• Road Ambulance: Ambulance charges for transportation to the hospital via private ambulance service are covered, ensuring timely and secure access to medical facilities.
• Day Care Procedures: Coverage for medical treatments and surgical procedures requiring less than 24 hours of hospitalisation due to technological advancements.
• Cataract Treatment: Expenses for cataract treatment are covered after a waiting period of 24 months, up to the specified limits in the policy clause.
• Health Check-Up: For each claim-free year, expenses for an annual health check-up at network hospitals are covered up to specified limits, promoting preventive healthcare for policyholders.

Exclusions of Senior Citizen Red Carpet Star Health Plan

The exclusions of the Senior Citizen Red Carpet Star Health Plan are mentioned below:

• Waiting Period for Pre-specified Conditions: Certain listed conditions, surgeries, or treatments won't be covered until 24 months of continuous coverage from the policy's start.
• Limited Coverage for Diagnostic Expenses: Diagnostic expenses unrelated to the ongoing treatment are not covered; only those directly tied to the current diagnosis and treatment will be considered.
• Exclusion of Custodial Care: Custodial care for daily activities, whether at home or in a nursing facility, is excluded from coverage. This includes assistance with tasks like bathing, dressing, and mobility.
• Conditions for Obesity: Expenses from obesity or weight control treatment not following standard protocols are not covered.
• Gender Change and Plastic Surgery: This Star Insurance Senior Citizen plan does not cover costs related to gender change, plastic surgery, or similar procedures.
• Limitations on Coverage for Hazardous Sports: Engaging in hazardous sports is excluded from coverage. Medical expenses resulting from such activities are not the responsibility of the policy.
• Non-Standard Treatment Exclusion: Unapproved or non-standard treatments for any ailment or condition will not be compensated.
• Exclusion of Substance Abuse Treatment: Treatment for alcoholism, drug abuse, or addictive conditions is not covered.
• No Coverage for Contraception or Fertility Treatment: Contraception and fertility treatments are not covered.
• Self-inflicted Injuries: Self-inflicted injuries, suicide attempts, or suicide are excluded from coverage.
• Nuclear Weapons or Materials Exclusion: Injuries or diseases caused by nuclear weapons or materials are not covered. The policy focuses on conventional medical needs.
• Limited Coverage for Eyesight Correction: Expenses for correcting eyesight with a refractive error of less than 7.5 diopters are not covered.

Documents Required for Star Health Senior Citizen Red Carpet Plan

To apply for the Star Health Senior Citizen Red Carpet Plan, you must submit the following:

• Completed Application Form.
• Proof of identity (Aadhar card, Passport, Voter ID, or Driver's license).
• Proof of age (Birth Certificate, School Leaving Certificate, or Passport).
• Proof of address (Utility Bills, Rental Agreement, or Aadhar Card).
• Passport-sized Photographs.
• In some instances, pre-policy health check-up reports.
• Any additional documents requested by the insurance company.

How to Purchase Star Red Carpet Health Insurance Plan?

Obtaining the Star Red Carpet Health Insurance through InsuranceDekho involves the following steps:

Step 1: Visit the InsuranceDekho website and click on "Health Insurance" in the Insurance section.

Step 2: Choose "Star Health Insurance" from the list of Health Insurance Companies.

Step 3: Select the "Red Carpet" plan from the available options.

Step 4: Review the terms and conditions in the Star Red Carpet policy document.

Step 5: Upload all required documents to complete the KYC process.

Step 6: Make the premium payment online after KYC.

Step 7: Receive the policy document in your email.

Claim Procedure for Star Red Carpet Health Insurance Plan

You can claim the Star Red Carpet Health Insurance Plan through two methods:

Cashless Claim

• Visit a hospital affiliated with Star Health Insurance.
• Provide your Star Health plan details and necessary information.
• Submit the required documents, and the insurance company will approve the expenses.
• The insurance company will directly settle the hospital bill after reviewing the claim.

Reimbursement Claim

• Choose a nearby hospital in the Star Health Insurance network.
• Pay your medical bills at the hospital.
• Request a reimbursement claim on the insurance company's website.
• Submit the Star Health Red Carpet claim form and all plan-related information.
• After reviewing your claim, the insurance company will reimburse you for the medical expenses.