Star Red Carpet Plan
🌟 Introduction
Star Health Insurance ne apne Senior Citizens ke liye ek khas health insurance plan launch kiya hai, jiska naam hai “Red Carpet Health Insurance Policy.” Yeh plan un logon ke liye design kiya gaya hai jo 60 se 75 saal ke beech ke hain. Is plan ka main goal hai senior citizens ko unki health-related zaruraton ko poora karne mein madad karna, bina kisi tension ke.
🛡️ Key Features
Entry Age: 60 se 75 saal tak
Exit Age: Lifetime renewability
Sum Insured Options: ₹1 lakh se ₹25 lakh tak
Policy Term: 1, 2, ya 3 saal
Premium Payment Options: Monthly, Quarterly, Half-Yearly, Annually, Biennial (2 saal), Triennial (3 saal)
Co-payment: 30% har claim par
Pre-acceptance Medical Screening: Nahi chahiye, lekin agar kuch medical reports diye jaate hain, to 10% ka discount milta hai premium par Star Health and Allied Insurance
✅ Coverage Details
1. Hospitalization Cover
Room Rent: Sum insured ke 1% tak per day
ICU Charges: ₹6,000 se ₹10,000 per day, sum insured ke hisaab se
Surgeon, Anesthetist, Consultant Fees: Sum insured ka 25% per hospitalization
Anesthesia, Blood, Oxygen, Operation Theatre Charges: Sum insured ka 50% per hospitalization
Emergency Ambulance Charges: ₹600 per hospitalization, ₹1,200 per policy period Star Health and Allied Insurance
2. Pre and Post-Hospitalization
Pre-Hospitalization: 30 din tak ke medical expenses cover hote hain
Post-Hospitalization: Hospitalization expenses ka 7% cover hota hai, maximum ₹5,000 per hospitalization Star Health and Allied Insurance
3. Day Care Procedures
Coverage: Un surgeries aur treatments ke liye jo 24 ghante se kam time mein hospital mein kiye jaate hain Star Health and Allied Insurance
4. Modern Treatments
Coverage: Chemotherapy, Angiography, Robotic Surgeries, Stem Cell Therapy, etc. Star Health and Allied Insurance
5. AYUSH Treatments
Coverage: Ayurveda, Unani, Siddha, aur Homeopathy treatments ko bhi cover kiya gaya hai, agar treatment AYUSH hospital mein hota hai Star Health and Allied Insurance
6. Compassionate Travel
Coverage: Agar insured person life-threatening emergency mein hospitalize hota hai aur ghar se door hai, to ₹10,000 tak ka travel expense ek family member ka cover hota hai Star Health and Allied Insurance
7. Repatriation of Mortal Remains
Coverage: ₹10,000 tak ka expense cover hota hai agar insured person ki death ho jaati hai aur body ko ghar bhejna padta hai Star Health and Allied Insurance
8. Second Medical Opinion
Coverage: Insured person ko ek second opinion lene ka option milta hai, jo company ke panel doctor se hota hai Star Health and Allied Insurance
💡 Additional Benefits
No Pre-Acceptance Medical Screening: Policy lene se pehle koi medical test ki zarurat nahi hai
Lifelong Renewability: Policy ko lifetime renew kar sakte hain
Pre-Existing Diseases Coverage: 12 mahine ke baad pre-existing diseases ko cover kiya jaata hai
Health Check-Up Benefit: Har claim-free year mein health check-up ka benefit milta hai Star Health and Allied Insurance
🚫 Exclusions
Cosmetic Treatments: Beauty-related treatments cover nahi hote
Substance Abuse: Alcohol ya drug addiction treatments cover nahi hote
HIV/AIDS Treatment: Is related treatments cover nahi hote
Self-Inflicted Injuries: Apne aap ko chot pahuchana cover nahi hota
Non-Allopathic Treatments: Allopathic ke alawa treatments cover nahi hote Star Health and Allied Insurance
📊 Premium Calculation
Premium aapke age, sum insured, aur policy term par depend karta hai. Example ke liye:
₹1 Lakh Sum Insured: ₹4,450 per year
₹5 Lakh Sum Insured: ₹22,250 per year
₹10 Lakh Sum Insured: ₹44,500 per year Turtlemint Insurance
Note: Yeh premium indicative hai aur actual premium aapke details par depend karega.
🏥 Network Hospitals
Star Health ka pan-India 14,000+ hospitals ka network hai jahan aap cashless treatment le sakte hain. Aap apne nearest network hospital ki list Star Health ki website ya customer care se le sakte hain.
🧠 Conclusion
Star Health ka Senior Citizens Red Carpet Health Insurance Policy un logon ke liye ek valuable option hai jo apne health expenses ko manage karna chahte hain bina hospitalisation ke. Yeh policy aapko financial security deti hai aur aapke health-related expenses ko manageable banati hai. Agar aapko lagta hai ki aapke regular doctor visits, tests, aur medicines ka kharcha zyada ho raha hai, to yeh policy aapke liye beneficial ho sakti hai.