Star Senior Citizen Red Carpet Health Insurance Plan
Star Senior Citizen Red Carpet Health Insurance Plan Age at Entry – Adult 60 years to 65 years Policy Type Individual Policy – Specially designed for Senior Citizens Sum Insured Options 1Lac / 2Lac / 3Lac / 4Lac / 5Lac / 7.5Lac & 10Lac Policy Period 1 Year Renewal Guarantee Life Long Renewal Grace Period 30 days – To continue policy without loss of continuity benefits(Waiting Period PED Coverage) Hospitalisation in-patient hospitalisation – Minimum period of 24 hours Room Rent, Boarding and Nursing Expenses 1 % of SI – MAX Rs.6000 per day – whichever is lower ICU Charges 2 % of SI Medical Professional Fees including specialist’s fee Surgeon, Anaesthetist, Medical Practioner, Consultant, Specialist Fees – MAX 25 % of SI (Per Hospitalisation) Other Medical Expenses Anaesthesia, Blood, Oxygen, OT Charges, Surgical Appliances, Medicines and Drugs, Diagnostic Materials, X-ray, Diagnostic Imaging, Dialysis, Chemotherapy, Radiotherapy, Pacemaker, Stent etc. – Max 50% of SI (Per Hospitalisation) Road Ambulance Charges Rs.600 per hospitalisation & Rs.1200 per policy year Pre – Hospitalisation Expenses Not Available Post – Hospitalisation Expenses 7% of nursing, surgeon/consultant fees, diagnostic expenses, drugs cost only – Max Rs. 5000 per occurrence Day Care Procedure covered (Sub-limits) Lithotripsy-Rs. 20000/Tonsillectomy-Rs.7500/Cutting and Drainage of Abscess- Rs.1500/Liver Aspiration-Rs.2000; Pleural Effusion Aspiration-Rs.2000/Colonoscopy-Rs.2000/Scelerotheraphy-Rs.5000; Chemotherapy(Part of Cancer sublimit); Radiotherapy(Part of Cancer Sublimit); Dialysis(Part of Renal complication Sublimit); Dental Surgery; Cataract-(SI Based Sub-limit) Sub-limit for Day Care Procedure for Cataract – SI/ Per Policy Period 1&2Lac-Rs.15000; 3Lac-Rs.18000; 4Lac-Rs.20000; 5Lac-Rs.21500; 7.5Lac- Rs.23000; 10Lac-Rs.25000 Specified Surgeries – CVA, CVD, Cancer, Renal Complications, Breakage of Bones – Sub-limit 1Lac-Rs.75K / 2Lac-Rs.1.5Lac / 3Lac-Rs.2Lac / 4Lac-Rs.2.25Lac / 5Lac-Rs.2.75Lac/ 7.5Lac-Rs.3Lac/ 10Lac-Rs.3.5Lac Other Major Surgeries – Sub-limit 1Lac SI -Rs.60K / 2Lac-Rs.1.2Lac / 3Lac-Rs.1.5Lac / 4Lac-Rs.2Lac / 5Lac-Rs.2.25Lac /7.5Lac-Rs.2.5Lac; 10Lac-Rs.2.75Lac Out-patient Consultation at network hospitals-Rs. 200 per consultation – Pay-out will not reduce SI Max. in a year – 1&2Lac-Not available; 3Lac-Rs.600; 4Lac-Rs.800; 5Lac-Rs.1000; 7.5Lac-Rs.1200; 10Lac-Rs.1400 10% Discount on Premium (Fresh and Renewal) by Providing Medical Report Medical Report taken within 45days prior to Date of Proposal – Stress Thallium Report, BP, Sugar (Blood and Urine). Blood Urea & Creatinine – Cost to be borne by the client. Recharge, Restoration, No claim Bonus, Health Check-up Not available Co-pay-for claims on Pre-Existing Disease 50% Co-pay applied on all PED Claims Co-pay for Claims on other than PED Claims 30% Co-pay applied on all Non-PED Claims 30 days waiting Period of Accident 12 months waiting Period Pre-Existing Diseases(PED) declared in Proposal, Accepted and Endorse in Policy 24 months waiting Period Veins Ulcers, Hernia, Fistula/Fissure, Congenital internal Disease, – For full list refer Product Boucher Permanent Exclusions Diseases, Psychiatric treatments, Intentional Self-Injury, Pregnancy and Child Birth related, Weight control, Cosmetic Treatments, Plastic Surgery – for full list refer Product Boucher Declined Risks (Not Eligible to buy) Heart diseases, Cancer, Kidney Diseases, Major CNS ailments(CVA, Parkinson’s Disease, Alzheimer’s Disease), Cirrhosis of Liver, Chronic Obstructive Pulmonary Disease (COPD), Auto immune/Connective tissue disorders requiring long term steroids and immunosuppressant Documentary Requirements Questionnaire Acceptance Limits Any Age – Without PED – Accepted at Operating Office Any Age – With PED -Medical Opinion through lab portal by the Corporate Office Pre-Acceptance Medical Screening No Pre-Insurance Medical Screening Required – Providing specific medical Tax Benefits – Sec-80D Rs. 30000 – for Age 60 years and above clients
Category: Health Insurance