Is Senior Citizens Red Carpet Health Policy Good for Elderly People?

Health should be a priority. One cannot predict a health ailment, that’s why it is advisable to stay protected with an adequate health insurance plan. Buying medical insurance online is both time saving and convenient. You can check the policy coverage benefits and features of this senior citizen health insurance policy and make an informed decision without meeting anyone in person.

 Star Red Carpet senior citizen health policy offers comprehensive coverage to people older than 60 years.  Moreover, it does not require any pre-medical screening before getting insurance cover, which is one of the major constraints when buying medical insurance online. Check out what the entire plan has to offer for senior citizens.

Who can buy Star Red Carpet Health Insurance Plan?

Elderly people above the age of 60 years can buy this health plan up to the age of 75 years. Co-pay of 30% is applicable for sum insured between Rs 15 lakh and Rs 25 Lakh. For coverage amount ranging from Rs 1 lakh to Rs 10 Lakh, 50% co-pay is applicable to pre-existing diseases and 30% co-pay applies to all the other claims.

Wider Range of Sum Insured Options

You can buy this policy on an individual basis as well as family floater basis. The sum insured options for individual cover range from Rs 1 Lakh to Rs 25 Lakh. For family floater basis the minimum coverage amount has to be Rs 10 Lakh and the maximum is Rs 25 Lakh.

Things that are covered by Star Red Carpet Health Insurance Plan

Star Red Carpet Senior Citizen health plan is one of the best star health insurance plans that are tailor-made to meet the healthcare needs of senior citizens:

• Hospitalization expenses are covered if the patient has been admitted for more than 24 hours. Expenses like room rent charges, fees charged by the doctor, cost of medicines, blood, oxygen etc. are covered
• All the Daycare expenses can be claimedPre- hospitalization up to 30 days before hospital admission and post-hospitalization charges are paid in a lump sum up to the specified limit
• Ambulance charges are covered up to a specified limit
• Medical expenses are reimbursed at network hospitals only
• For senior citizens there are sub-limits applicable to specific illnesses and disease
• Pre-existing diseases to be covered after completion of the 12 months of the waiting period
• Cashless hospitalization is provided in more than 9900 network hospitals

What Will Not Be Covered In a Health Insurance That You Buy For Your Parents?

Sometimes, we forget reading the policy documents and then realize later when claim request gets nullified. It’s better than you know it beforehand -

• A claim arising due to pre-existing illness and injuries
• Cosmetic surgeries and aesthetic treatments
• Any illness that has been diagnosed within 30 days from policy purchase date
• Expenses incurred on non-allopathic treatment
• Self-inflicted injuries and anxiety disorders
• Intoxication and drug overdose
• Dental treatment unless it is an accidental injury
• Cost of lenses, spectacles and hearing aids
• Hospitalization required for treatment of HIV, AIDS, and STDs
• Injury resulting due to any terrorist activity, war, rebellion etc.

How to Buy Health Insurance for Your Parents Online?

Elucidated below are the steps that you can follow to buy the perfect health insurance policy for your parents -

• The first step is to go to our site, where you will find insurance quotes from star health insurance companies. If there is any confusion, you can write to us or choose the ‘call me’ option and address your queries to the experts
• Fill in all the particulars and the required details. It is recommended that you declare all the pre-existing conditions beforehand to avoid any consequences later
• Once you have decided, compare all the features based on the premium, coverage, co- payment clause, deductibles, the age of renewability, waiting period, etc.
• Download the star health insurance red carpet policy wordings, go through them and analyze the best one that meets most of your needs
• Click on the purchase and make the payment
• If you decide to change the policy, so that in the free look period. Usually, it is for 15 days but this may vary from one insurer to another

Over to you!

We do so much research while purchasing gadgets, clothes, then why not compare and buy the right health insurance for your parents. It is imperative for your parents to have an adequate health insurance policy that covers most of the health risks associated with their growing age. This will be one of the best investments of your life that will have long-term benefits for you and your family. All this is worth if you want to see your parents in the pink of health especially with their growing age.