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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 |
Galaxy Top Up Health Insurance Plan |
| Product Type | Individual and Family Health Insurance | Top Up and Super Top Up |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
- | Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
- | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
- | Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
- | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
- | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
- | Covered |
| Hospital_network (Number of Hospital Network in city) |
14000 | 3216 |
| 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) |
- | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
- | Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
- | Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
- | 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 | Adults: 18 to 65 years, Dependent children: 16 days to 25 years. |
| Plan Premium Entry Age and S/A | - | 1995 |
| Plan Waiting Period | 30 | 30 |
| Plan Coverage | - | Hospitalization expenses, pre and post-hospitalization expenses, daycare treatments, AYUSH treatment cover, organ transplant cover, ambulance, and air ambulance. |
| Plan Sample Premium | - | 1995 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1 / 2 / 3 year | 1, 2, 3 years |
| ICU Charges | - | Covered |
| Covid-19 Treatment | - | Covered |
| Cataract | - | Covered |
| Automatic Restoration | - | Not Covered |
| Ayush Treatment | - | Covered |
| Modern Treatment | - | Covered |
| E Consultation | - | Covered |
| Air Ambulance | - | Covered |
| Global Coverage | - | Not Covered |
| Claim Ratio | 99.06 | 98.9 |
| Solvency Ratio | 2.21 | 4.70 |
|
Star Health Insurance Plan Detailed Review |
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