| Senior Citizen Red Carpet Health
Insurance Policy |
| Who Can Take This Insurance? |
 |
Any person between 60 and 75
years of age at the time of entry can take
this insurance |
|
The sum insured under this insurance
is per individual member covered. |
|
| Policy Benefits |
|
Hospitalisation Cover Protects
the insured for in patient hospitalisation
expenses for a minimum of 24 hrs.These expenses
include room rent,nursing and boarding charges,
Surgeon, Anaesthetist, Medical Practitioner,
Consultants, Specialist Fees,Cost of Medicines
and Drugs upto the limits specified. |
|
Ambulance charges for emergency
transportation to hospital as per specified
limits. |
|
Pre-Hospitalization expenses
up to 30 days prior to admission in the hospital. |
|
Specific day-care procedures
covered. |
|
Sub-limits applicable for specified
illness. |
|
Co-Payment : 30% for other than
claims for Pre-Existing Diseases and 50% for
Pre-Existing Diseases claims. |
|
| Pre-Existing Diseases / Illness
: |
|
Are covered after 12months of
continuous Insurance with any Indian Insurance
Company where the person has been availing
treatment for the diseases. |
|
| Pre-Existing Diseases / Illness
: |
|
There is no pre-acceptance medical
screening. |
|
| Tax Benefits |
|
Amount paid by any mode other
than by cash for this insurance is eligible
for relief under Section 80D of the Income
Tax Act. |
|
| Free look period : |
|
A free look period of 15 days
from the date of receipt of the policy is
available for reviewing the policy terms and
conditions. In case insured is not satisfied
he can seek cancellation of the policy and
in such event the Company will allow refund
of premium after adjusting the cost of pre-acceptance
of medical screening , stamp duty charges
and proportionate risk premium for the period
concerned provided no claim has been made
until such cancellation.Free look cancellation
is not applicable at the time of renewal. |
|
| Star Advantages |
|
No Third Party Administrator,
direct in-house claim settlement |
|
Faster and hassle free claim
settlement |
|
Network of more than 6000 hospitals
across India |
|
Facility for maintaining personal
health records in electronic format |
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