| Turning sixty is a major milestone. On the one hand, people tend to find more time for matters they couldn't adequately attend to during their years of career preoccupation. On the other, there is mounting anxiety about health. Yet, health insurance policies have hardly been available to address their needs. Star Health is proud to introduce India's first health insurance policy as a salute to our senior citizens. It provides cover for anyone over the age of 60 and permits entry right up to the age of 69 with continuing cover after that. It is our way of caring for a generation that has done so much to build the country. | | | | Major Product Features | | This Health Insurance Plan from Star Health is unique among Senior Health Insurance Policies and extends benefits of Hospitalisation Cover as well as Post Hospitalisation Cover. |  | For people aged between 60 and 69 years | | Guaranteed renewals beyond 69 years | | No pre-insurance medical test required | | Treatment at network hospitals only | | All pre-existing diseases are covered from first year, except those for which treatment or advice was recommended by or received during the immediately preceding 12 months from the date of proposal | | Disease for which treatment or advice was recommended by or received during the immediately preceding 12 months from the date of proposal will be covered from second year onwards | | | | | Policy Premium Including Service Tax | | 1,00,000 | 4,908 | | 2,00,000 | 9,326 | | 3,00,000 | 14,229 | | 4,00,000 | 17,097 | | 5,00,000 | 19,854 | | | | Senior Health Insurance Policy Red Carpet Benefits | | Hospitalization Cover: In-patient hospitalization expenses for a minimum of 24 hours. Includes room rent and boarding @1% of sum insured subject to a maximum of Rs. 4,000/- per day. | | ICU expenses per day @ 2% of sum insured | | Nursing expenses | | Surgeon's fees, consultant's fees, Anesthetist's and specialist's fees, per illness @ 25% of sum insured | | Cost of blood, oxygen, pacemaker | | Cost of drugs and diagnostic tests @ 50% of sum insured per hospitalization | | Treatment for Cardiovascular Diseases / Cerebrovascular Accident/Cancer and breakage of Bones: Upto Rs.75,000/- where the sum insured is Rs.1,00,000/- and upto Rs.1,50,000/- where the sum insured is Rs.2,00,000/-, Rs. 3,00,000/-, Rs. 4,00,000/- and Rs. 5,00,000/-. | | Cataract (both eyes included), up to Rs.15,000/- | | Renal Complications: Upto Rs.75,000/- where the sum insured is Rs.1,00,000/- and upto Rs.1,50,000/- where the sum insured is Rs.2,00,000/- Rs. 3,00,000/-, Rs. 4,00,000/- and Rs. 5,00,000/-. | | All other Major Surgeries: Upto Rs.60,000/- where the sum insured is Rs.1,00,000/- and upto Rs.1,20,000/- where the sum insured is Rs.2,00,000/- Rs. 3,00,000/-, Rs. 4,00,000/- and Rs. 5,00,000/-. | | Emergency Ambulance Charges for transporting the Insured Person to the Hospital @Rs.600/- per hospitalisation and Rs.1200/- per Policy period | | | | | Post-Hospitalization | | Post-hospitalization - a lumpsum calculated at 7% of the hospitalization expenses (excluding room charges), subject to a maximum of Rs 5,000 is payable. | | | | | Tax benefits in Senior Health Insurance | | Amount paid by any mode other than cash is eligible for relief as provided under Section 80 D of the Income Tax Act | | | | | What cannot be claimed? | | Treatments currently availed or availed during the previous 12 months from date of proposal | | Any expenses incurred for treatment of illness/disease/sickness contracted by the insured person during the first 30 days from the commencement date of the policy | | First year exclusions: Hernia, Piles, Hydrocele, Congenital Internal disease/defect, Sinusitis, Gall Stone/Renal Stone removal and Benign Prostrate Hypertrophy | | First Two-Year Exclusions: Hysterectomy, Cataract, Joint/Knee Replacement surgery(other than caused by an accident), Prolapsed Intervertebral Discs, Varicose Veins, Ulcers | | Naturopathy treatment | | Expenses which are purely diagnostic in nature with no positive existence of any disease | | Expenses for treatments that are mainly cosmetic in nature | | 50% co-payment applicable for pre-existing diseases/conditions | | 30% co-payment applicable for all other claims | | | | | Claims Procedure | | Call the 24-hour helpline 1800 425 2255 for assistance | | Inform the ID number/policy number for easy reference | | In case of a planned hospitalisation, please inform 24 hours prior to admission into the hospital | | In case of emergency hospitalisation, information to be given within 24 hours after hospitalisation | | At non-network hospitals, payments must be made upfront and then reimbursement will be effected on the submission of documents | | | | | Star Advantages | | No Third Party Administrator; direct in-house claims settlement | | Faster & hassle-free claim settlement | | Cashless hospitalization | | Network of more than 4700 hospitals across India | | 24x7 Toll- free Helpline | | Free General Physician Consultation over phone. Doctors on duty 24x7. By quoting the policy number, any person can contact our Doctor on the toll free number 1800 425 2255 for medical advices. | | Free Health magazines are issued to policy holders at regular intervals | | | | | NOTE:The benefits and exclusions mentioned herein are only an outline of the policy details, please contact your nearest Star Health office. | |
