Star Health Senior Citizen Red Carpet
Link: http://www.insurancemall.in/
To buy this plan at a special offer, contact http://www.insurancemall.in/ OR write to Madhura at analysis@insurancemall.in
After the age of 60, medical expenses create major financial problems. And it may quite difficult for senior citizens to alive with lot of burden of major medical expenses. There are many companies introducing Health insurance policies with age restriction up to 60 years. Then how will the Senior citizens get relief from their huge medical expenses? Star is one of the few companies introduced Health Insurance policy specifically for Senior Citizens. Star designed Health Red carpet Insurance policy for the people between 60 years to 69 years without the restrictions of pre-insurance medical tests. Renewal of the policy available beyond the age 69.
To buy this plan at a special offer, contact http://www.insurancemall.in/ OR write to Madhura at analysis@insurancemall.in
Special Features:
· No Medical Test
· Instant Insurance for Age 60 – 69
· Maximum Age for the entry is 69 yrs.
· Renewal of the Policy available beyond the age 69
· Claim benefit available on pre-existing diseases from 2nd year of date of proposal
The Benefits coverage under the policy:
· Hospitalization Cover: An In-patient hospitalization expense includes room rent and boarding (Inpatient: hospitalization required for a minimum of 24 hours.)
· post-hospitalization expenses
· Cashless facility can be availed in all network hospitals
· Emergency Ambulance Charges for transporting the Insured Person to the Hospital
· Medical expenses include the cost of followings:
(a) ICU expenses & Nursing expenses
(b) Cost of Blood, Oxygen, Pacemaker
(c) Cost of Drugs and Diagnostic tests
(d) Treatments for Cardiovascular Diseases / Cerebrovascular Accident / Cancer and Breakage of Bones
(e) Cataract (both eyes included)
(f) Renal Complications
(g) All other Major Surgeries
· Tax benefit is available with Premium paid by cheque is eligible for relief as provided under Section 80 D of the Income Tax .
To buy this plan at a special offer, contact http://www.insurancemall.in/ OR write to Madhura at analysis@insurancemall.in
Important Points:
· Claim benefit is not available if Treatment made at Non-network hospitals.
· All pre-existing diseases are covered immediately preceding 12 months from the date of proposal with 50 % co-payment ( Co-payment : deduction from claim amount)
· 30 % co-payment applicable for all other claims.
· Group Policy Facility is not available.
To buy this plan at a special offer, contact http://www.insurancemall.in/ OR write to Madhura at analysis@insurancemall.in
Claim Procedure :
· Call 24 hour help-line for assistance
· Inform ID number for easy reference
· For planned hospitalisation, please inform 24 hours prior to admission to the hospital
· For emergency hospitalisation, information to be given within 24 hours after hospitalisation
For Detailed Claim Procedure click here
Exclusions:
· Treatments currently availed or availed during the previous 12 months from date of proposal
· Any expenses incurred for treatment of illness / disease / sickness contracted by the Insured person during the first 30 days from the commencement of the policy
· First year exclusions : Hernia, Piles, Hydrocele, Congenital Internal disease / defect, Sinusitis, Gall Stone / Renal Stone removal and Benign Prostrate Hypertrophy
· Two years exclusions: Hysterectomy, Cataract, Joint / Knee replacement surgery (other than caused by an accident), prolapsed intervertebral discs, varicose veins/ulcers
Conclusion:
With the consideration of major important features like No Medical Test, Renewal available above the age 69, Instant Issuance ,this policy is most convenient for the Senior Citizens.
To buy this plan at a special offer, contact http://www.insurancemall.in/ OR write to Madhura at analysis@insurancemall.in
by madhura Sahasrabuddhe - Mumbai.
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