Star Health Insurance for Senior Citizens

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      Star Health Insurance for Senior Citizens

      Star health insurance for senior citizens covers the medical expenses of individuals aged 60 years and above. Star Health and Allied Insurance Company Limited offers comprehensive medical insurance coverage to elderly people through the Star Senior Citizens Red Carpet plan to cover age-related illnesses and rising medical costs.

      Key Benefits of Star Health Insurance for Senior Citizens

      Here are the key features of the Star health insurance plan for senior citizens:

      • Pre-existing diseases are covered only after a waiting period of 1 year, instead of the traditional 3 years.
      • Policy can be issued without a pre-policy medical check-up.
      • Annual health check-up is available from the first policy year itself, after a 30-day waiting period.
      • Senior citizens can avail tax benefits on the premium paid under Section 80D every financial year.
      • Cashless hospitalization is offered in more than 11,000 empanelled hospitals.
      • 10% discount is applicable at the time of policy purchase if specified medical records are submitted.
      • You can choose between an individual or a family health insurance policy.
      • Sum insured options ranging from ₹1 lakh to ₹25 lakh are available.
      • Premium installment can be paid monthly, quarterly and half-yearly.

      Star Health Insurance Plans for Senior Citizens

      Check out the details of the medical insurance policy for senior citizens offered by Star Health and Allied Insurance Company Limited:

      Plan Name Sum Insured (₹Rs) Co-Payment
      Star Senior Citizens Red Carpet Insurance Plan 1 lakh to 25 lakh 50% (for PED Claims up to ₹10 lakh)
      30% (for remaining claims)
      View Plan

      Eligibility Criteria for Star Health Insurance Plan for Senior Citizens

      Eligibility for health insurance for senior citizens differs across plans. Elderly people must fulfil the following criteria to buy the Star health insurance senior citizen plan:

      Categories Eligibility Criteria
      Minimum Entry Age 60 years
      Maximum Entry Age 75 years
      Family Members Covered Self and spouse
      Renewability Lifelong

      Inclusions of Star Health Insurance for Senior Citizens

      Here are the benefits included in the Star health insurance for senior citizens:

      • In-patient Hospitalization Cover
      • Day Care Procedures
      • Pre-Hospitalization Expenses
      • Post-Hospitalization Expenses
      • OPD Consultations
      • Emergency Ambulance Charges
      • Modern Treatments
      • Home Care Treatments
      • AYUSH Treatments
      • Second Medical Opinion
      • Compassionate Travel
      • Repatriation of Mortal Remains
      • Unlimited Tele-consultations

      Exclusions of Star Health Insurance for Senior Citizens

      The following coverage is excluded under the Star health insurance plan for senior citizens:

      • HIV AIDS
      • Sexually transmitted diseases
      • Self-inflicted injuries
      • Obesity treatment
      • Treatment for the overdose of drug and alcohol consumption
      • Cosmetic and aesthetic treatments
      • Dental treatment or surgery
      • Unproven treatments

      Disclaimer: The inclusion and exclusion list is indicative. Refer to the Star Senior Citizens Red Carpet policy wording for complete details.

      Star Health Insurance for Senior Citizens - FAQs

      • Q1. Does Star health insurance for senior citizens come with any sub-limits?

        Ans: Yes. Star Senior Citizens Red Carpet health insurance has sub-limits on room rent, cataract surgery, major surgeries and a few other treatments. Here are the sub-limits for some of the coverages:

        Room rent limit is as follows:

        • For SI ₹1 lakh to ₹5 lakh - up to 1% of the sum insured
        • For SI above ₹5 lakh - ₹6,000 to ₹10,000

        Capping on ICU charges is as follows:

        • For SI ₹1 lakh to ₹10 lakh - up to 2% of the sum insured
        • For SI ₹15 lakh - On actuals

        Emergency ambulance services have a coverage limit of up to ₹1,500 per hospitalization and up to ₹3,000 per policy year

        Cataract surgery has a sub-limit of ₹40,000

        Other major surgeries have a coverage limit of ₹3,50,000

      • Q2. What are the various waiting periods applicable to Star Health Insurance for senior citizens?

        Ans: The following waiting periods apply to Star Senior Citizens Red Carpet health insurance:

        • Pre-existing Diseases Waiting Period – 12 months
        • Specified Diseases/Procedures Waiting Period – 24 months
        • Initial Waiting Period – 30 days
      • Q3. Where can I find the premium chart of Star Health Insurance for senior citizens?

        Ans: You can find the premium chart of Star Senior Citizens Red Carpet health insurance by referring to the brochure or prospectus on the insurer’s website. Alternatively, you can also use a health insurance premium calculator on Policybazaar.com to get an estimated cost of your insurance policy.

      • Q4. Are Star health insurance plans good for senior citizens?

        Ans: Star Health and Allied Insurance Company Limited provides a senior citizen medical insurance policy without any pre-policy tests, making it a unique benefit. It can be a good choice for senior citizens since it has a PED waiting period of only 1 year and a large network of cashless hospitals. Apart from in-patient hospitalization, it also offers value-added services that can be helpful for senior citizens, including annual health check-ups and second medical opinions.

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      • 24*7 claims assistance In 30 mins. guaranteed*
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      Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.

      *Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2027, License category- Composite Broker| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

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