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| Senior Citizens Health Insurance /Mediclaim Policy in India |
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| Policy information of health insurance products for senior citizens including comparison rates, policy language, coverage etc. |
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| 6- Senior Citizens Mediclaim Policies - Star Health and Allied Insurance Co. Ltd. |
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| Senior Citizen Red Carpet |
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| Turning sixty is a major milestone and for people,a time to start being more careful about their health.It is a matter of concern that insurance policies are hardly available to address this critical requirement.STAR Health is proud to introduce India's first health insurance policy aimed specifically at 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. |
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| Major product features |
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- 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
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| Policy benefits |
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- Hospitalization Cover: In-patient hospitalization expenses for a minimum of 24 hours.Includes room rent and boarding @1% of sum
- 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/-
- 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/-
- 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/-
- Emergency Ambulance Charges for transporting thhe Insured Person to the Hospital @Rs.600/- per Hospitalisation and Rs.1200/- per Policy period
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| Post-hospitalization |
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| Post-hospitalization- lumpsum calculated at 7% of the hospitalization expenses (excluding room charges),subject to a maximum of Rs 5,00o is payable. |
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| Policy Premium |
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- 1,00,000:- 4,908
- 2,00,000:- 9,326
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| Tax benefits |
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| Premium paid by cheque or credit card is eligible for relief as provided under Section 80 D of the Income Tax Act. |
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| Exclusions |
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- 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 Two-year exclusions Hernia, Piles, Hydrocele, Congenital Internal disease/defect, Sinusitis, Gall Stone/Renal Stone removal and Benign Prostrate Hypertrophy
- Two-Year Exclusions:Hysterectomy,Cataract,Joint/Knee Replacement surgery (other than caused by an accident), Prolapsed Intervertebral Discs,Varicose Veins,Ulcers
- Naturopathy treatement
- Expenses which are purely diagnostic in nature with no positive existence of any disease
- Expenses for treatments that are mainly cosemtic in nature
- 50% co-payment applicable for pre-existing diseases conditions
- 30% co-paument applicable for all other claims
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| Note: For a detailed list of exclusions,refer policy document |
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| Claim procedures |
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- Call the 24-hour helpline for assistance
- Inform the ID 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 the hospitalisation
- Cashless facility can be availed at all network hospitals
- In non-network hospitals, payments must be made up-front and then reimbursement will be effected on submission of documents
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| NOTE: The benefits and exclusions mentioned herein are only an outline of the policy.For complete details,please contact your nearest Star Health office. |
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