About Star Senior Citizens Red Carpet Health Insurance Plan
Star Senior Citizens Red Carpet Health Insurance is a senior citizen health insurance policy designed for elderly people aged 60 years and above. It provides coverage for hospitalization expenses as well as doctor visits. Moreover, this plan does not require any pre-medical screening before policy purchase, which is beneficial for senior citizens.
Star Senior Citizens Red Carpet Health Insurance Plan: Key Highlights
| Categories | Specifications |
|---|---|
| Sum Insured | ₹1 lakh to ₹25 lakh |
| Pre-policy Medical Check-up | Not required |
| Pre-existing Diseases Waiting Period | 1 year |
| Discount | Up to 12.5% long term discount 10% discount on submitting PPMC reports 5% online discount |
| Co-payment | 30% for all claims |
or select from popular citiessSenior Citizen Red Carpet Features
Search Senior Citizen Red Carpet Cashless Network Hospital list
Key Benefits of Star Senior Citizens Red Carpet Health Insurance Plan
Star Senior Citizens Red Carpet Health Insurance Plan Inclusions & Exclusions
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In-patient Hospitalization ExpensesIt pays for medical expenses, like room rent, doctor and specialist's fees, ICU charges, oxygen cost, etc., if the insured is hospitalized for at least 24 hours
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Emergency Ambulance ChargesIt covers the cost of ambulance services used to transport the insured to the hospital for necessary medical treatment
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Pre-Hospitalization ExpensesIt pays for the expenses incurred for up to30 days prior to the hospitalization for an admissible claim
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Post-Hospitalization ExpensesIt covers medical expenses incurred after the insured is discharged from the hospital, if recommended by the treating doctor
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Day Care TreatmentsIt covers all day care procedures that require less than 24 hours of hospitalization due to technological advancement
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Modern TreatmentsIt covers modern treatments, like balloon sinusplasty, vaporisation of the prostate, uterine artery embolization and HIFU, oral chemotherapy, etc., done with the help of advanced medical technology
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Obesity TreatmentIt excludes medical expenses incurred on treatments for fat loss and weight management.
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Cosmetic SurgeryIt does not cover the cost for plastic surgery or cosmetic procedures unless medically necessary.
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Injuries from Adventure SportsIt excludes treatments for injuries arising due to adventure sports like rafting, mountaineering, etc.
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Treatment for Alcohol or Drug AddictionIt does not pay for the treatment of alcoholism or drug use and their consequences.
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Intentional Self-injuryIt does not cover injuries resulting from intentional self-harm or self-inflicted injuries.
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Unproven TreatmentIt does not pay for unproven treatments that are not supported by adequate medical documentation.
In case of emergency we are just a call away. Take care of your family, we will do the rest. Our claim specialists will reach your location & complete the formalties from filing the claim to documentation to coordinating with insurer, TPA & hospital. Available in New Delhi and 114+ cities View cities list ›Policybazaar Claim Process
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Star Super Surplus Insurance Policy: FAQs
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Q1. What is the age limit for Star Health Insurance for senior citizens?
Ans: The age limit to buy the Star Senior Citizens Red Carpet Health Insurance plan is 60 years to 75 years. -
Q2. What is the waiting period for the Star Senior Citizens Red Carpet health insurance policy?
Ans: The Star Senior Citizens Red Carpet plan has an initial waiting period of 30 days, a pre-existing disease waiting period of 12 months and a specific illnesses waiting period of 24 months. -
Q3. Does the Star Senior Citizens Red Carpet Health Insurance plan cover OPD consultation costs?
Ans: Yes, the Star Senior Citizens Red Carpet Health Insurance plan covers the cost of outpatient medical consultations availed at a network hospital.
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Q. What is the advantage of selecting a policy with a duration of more than 1 year?
Ans: If one buys Aditya Birla Health Insurance for more than a year, one can save 7.5 % and 10% on the 2 and 3 years premium, respectively.
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Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
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Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
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Q. What is a waiver of a mandatory co-pay cover?
Ans: This benefit is covered on payment of an additional premium. Therefore, any mandatory co-payment that is applicable under the Aditya Birla Activ Health Essential Plan will be waived off.
Star Health offers two types of claim settlements – cashless and reimbursement. Follow the steps to raise a claim:
- Find the nearest network hospital of Star Health
- Get admitted to the hospital
- Notify the insurance company about the hospitalization
- In case of pre-planned hospitalization, intimate the insurer before hospital admission.
- Fill up the pre-authorization form and submit it to the hospital staff
- The pre-authorization form will be sent to Star Health for approval.
- Once approved, obtain medical treatment.
- At the time of discharge, sign all the medical documents.
- Pay for the items/services not covered under the Star Health policy
- The network hospital will send the hospital bill to Star Health.
- After review, the insurance company will pay the bill amount directly to the network hospital.
- Inform the insurance company about the hospitalization
- In case of planned hospitalization, notify the insurer before hospital admission.
- Receive medical treatment
- At the time of discharge, pay the entire hospital bill in full.
- Collect all the medical documents, bills and payment receipts
Our Claim specialists in below cities will reach your hospital or home in 30 minutes to support your health insurance claim
