| Sr no. | Benefits | Senior Citizens Red Carpet Health Insurance Policy -STAR Health |
| 1 | Who can take the Policy | Any one from the age from the age of 60 and permits entry right up to the age of 75 |
| 2 | Eligibility | Any one from the age from the age of 60 and permits entry right up to the age of 75 |
| 3 | Medical Examination | No pre-acceptance medical screening. However medical examination will be done for those who declare adverse medical history. At present, 100% cost of such medical examination is borne by the company. Under all circumstances, the proposer will be intimated in advance about the need to undergo medical examination |
| 4 | Coverages | |
| 5 | Section – A- Hospitalisation | In-patient Hospitalization Cover Hospitalization Cover: Room, Boarding and Nursing expenses at 1% of the sum insured subject to a maximum of Rs.6000/- per day ICU charges up to 2% of the sum Insured per day. Surgeon’s fees, Consultant’s fees, Anesthetist’s and Specialist’s fees up to 25% of the sum insured per hospitalization. Anesthesia, Blood, Oxygen, Operation Theatre charges, Cost of Pacemaker etc up to 50%of the sum insured per hospitalization |
| 6 | Post-Hospitalisation: | A sum equivalent to 7% of the hospitalization expenses incurred comprising of Nursing Charges, Surgeon / Consultant fees, Diagnostic charges, Medicines and drugs only subject to a maximum of Rs.5,000/- per occurrence towards post hospitalization medical expenses wherever recommended by the attending Medical Practitioner |
| 7 | Ambulance Charges | Emergency ambulance charges for transporting the insured patient to the hospital up to a sum of Rs.600/- per hospitalization and overall limit of Rs.1200/- per policy period. |
| 8 | Cover for Medical Consultations as an Out Patient | Cover for expenses incurred as an outpatient towards medical consultation in a network hospital up to the limits mentioned in the table given below with a limits of Rs.200/- per consultation. Payment under this benefit will not reduce the sum insured and is payable only when the policy is in-force. Sum Insured Rs. Limit per policy period (Rs.) 1,00,000 – NA 2,00,000 – NA 3,00,000 – 600 4,00,000 – 800 5,00,000 – 1000 7,50,000 – 1200 10,00,000 – 1400 |
| 9 | Sublimits under the Policy | Applicable |
| 10 | PED waiting period | 12 months |
| 11 | Policy Term | 1 year |
