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Turning sixty is a major milestone. It is a time to become more careful about one's health. Any illness can bring a lot of anxiety and mental stress to the family. If your parents have just entered the later years of life, buying health insurance for them can be the best decision you can make. To alleviate such concerns, Star Health Insurance Company has introduced the Star Senior Citizens Red Carpet Health Insurance Policy, specifically designed for parents. It permits entry from age 60 up to age 75, with lifelong renewability thereafter.
Star Health Insurance for Senior Citizens is exclusively designed for senior citizens or parents who want to manage high medical costs with a yearly premium. Star Health Insurance for parents can provide crucial support during medical emergencies. Star Senior Citizen health insurance plans are specially designed to cover people aged over 60 years. Available on an individual or family floater basis, these plans offer comprehensive protection for parents in their senior years.
| PLAN DETAILS |
Star Parents Plan |
Critical Care Plan |
| Product Type | Individual and Family Health Insurance | Individual and Family Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
- | Not Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
- | Not Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
- | Not Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
- | Not Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
- | Not Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
- | Not Covered |
| Hospital_network (Number of Hospital Network in city) |
14000 | 15000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
- | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
- | Not Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
- | Not Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
- | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
- | Not Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
- | Not Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
- | Not Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
- | Not Covered |
| Plan Entry Age | 60 - 75 Years | 18 to 65 years |
| Plan Premium Entry Age and S/A | - | 4088 |
| Plan Waiting Period | 30 | 90 |
| Plan Coverage | - | Individual & Family floater cover |
| Plan Sample Premium | - | 4088 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1 / 2 / 3 year | 1/2/3 years |
| ICU Charges | - | Not Covered |
| Covid-19 Treatment | - | Covered |
| Cataract | - | Not Covered |
| Automatic Restoration | - | Not Covered |
| Ayush Treatment | - | Not Covered |
| Modern Treatment | - | Not Covered |
| E Consultation | - | Not Covered |
| Air Ambulance | - | Not Covered |
| Global Coverage | - | Not Covered |
| Claim Ratio | 99.06 | 98 |
| Solvency Ratio | 2.21 | 1.76 |
|
Star Health Insurance Plan Detailed Review Manipal Cigna Health Insurance Plan Detailed Review |
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