Star Health for Senior Citizens

Key features of Star Health Insurance for Senior Citizens

The Star Health Senior Citizen Policy offers several features designed to meet the medical needs of older adults. Here are some of the key highlights of this health insurance policy for senior citizens.

• The Star Health Insurance policy covers specific daycare procedures that would otherwise require hospitalization for a minimum of 24 hours.
• Post-hospitalization expenses equivalent to 7% of the hospitalization expenses, comprising nursing charges, surgeon/consultant fees, diagnostic charges, medicines, and drug expenses, are covered, subject to a maximum limit.
• The Star Senior Citizen policy covers certain specific diseases for 24 months. These include glaucoma, gallbladder, cataract, and pancreatic diseases and treatments.
• The Star Health Insurance for senior citizens comes with a cooling-off period of 30 days for all claims, except for claims that arise due to accidental injuries.
• A person can raise a claim for pre-existing medical conditions 12 months from the policy start date.
• No pre-acceptance medical testing or medical screening is required to buy Star Health Insurance for senior citizens (Star Health Senior Citizen Red Carpet Policy).

Benefits of Star Health Insurance for Senior Citizens

Star Health Insurance for senior citizens comes loaded with many benefits to provide all-round protection to your parents. Let's look at the prominent benefits of the policy.

• Star Health Insurance company will bear boarding, nursing, and room expenses. Such expenses paid are equal to 1% of the sum assured; this limit varies based on the sum insured.
• The term of Star Health Insurance for Senior Citizens is one year.
• Star Health Insurance for senior citizens provides post-hospitalization charges for consultation, medicines, surgery, drugs, and diagnostics equivalent to 7%. However, it should be recommended by a medical practitioner. Up to 2% of the total sum insured is provided for ICU charges.
• For hospitalization, up to 25% of the total sum assured is provided for the fees of the medical practitioner, consultation, surgeon, anesthetist, and specialist.
• The charges for anesthesia, blood, pacemaker, oxygen, and operation theater are provided per hospitalization up to 50% of the total sum assured.
• The company covers ambulance charges up to Rs. 600 to Rs. 1500 per hospitalization, with a cap limit of Rs. 1200 to Rs. 3000 per policy term, based on the chosen sum insured.

Other Value-added Benefits

Other than the benefits, the policy provides some extra services. Read on to know more.

• Portability: The policyholder has the option of transferring the policy to another insurer after the waiting period. The policy allows you to do so without losing accrued benefits.
• Income tax benefit: Customers can receive tax benefits for the premiums paid towards this health insurance for senior citizens under Section 80D of the Income Tax Act, 1961.
• Enhancement of sum insured: You can apply for an increased sum insured at the time of policy renewal. However, the health insurance company may consider the request if no claim is made during the policy term.
• Free-look period: If, for any reason, the customer decides not to proceed with Star Health Insurance for Senior Citizens, they can return the policy to the company. The company offers a free-look period of 15 days from the date of receipt of the policy document.

Eligibility Criteria for Star Health Insurance for Senior Citizens

People need to fulfill the eligibility criteria given below to buy a Star Health Insurance plan for senior citizens: