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| Eligibility | |
| Entry Age (years) | |
| Minimum | 60 |
| Maximum | 69 |
| Coverage Type | Senior Citizens |
| Sum Insured (Rs) | |
| Maximum | 5 lakh |
| Minimum | 1 lakh |
| Policy Term (years) | 1 |
| Tax Benefit | Premium paid is eligible for tax benefit under section 80D of the Income Tax Act |
| Discount | 10% on premium if proposer produces certain documents to satisfaction of the company. Documents include Stress Thallium Report, BP Report, Sugar (blodd and urine), blood urea & creatinine and Self-declaration stating that heart/ brain/ cancer or related surgeries have not been done in past |
| Pre Policy Medical Check Up | Not required |
| Grace Period for Policy Renewal | 15 days |
| Customer Service | |
| Address |
Star Health and Allied Insurance Company Limited Corporate Office: No.1, New Tank Street, Valluvar Kottam High Road, Nungambakkam, Chennai - 600034. |
| Mail to | [email protected], [email protected] |
| Call to | 1800 425 2255/ / 044 2826 3300 |
| SMS | STAR to 56677 |
| Scope Of Cover | |
| Cashless facility | Available at empanelled network hospitals in India |
| Post Hospitalisation | lumpsum calculated at 7% of the hospitalization expenses (excluding room charges) subject to a maximum of Rs.5,000 per occurrence |
| In-patient hospitalisation | Covered |
| Room rent, boarding | 1% of Sum Insured subject to a maximum of Rs. 4,000 per day |
| ICU expenses | 2% of Sum Insured per day |
| Nursing expenses, Cost of Blood, Oxygen, Pacemaker | covered |
| Cost of Drugs and Diagnostic testsu00A0 | covered @ 50% of sum insured per hospitalization |
| Fees for Doctor / Surgeon / Consultant / Anesthetist per illnes | covered @ 25% of Sum Insured per illness |
| Cataract | Covered upto maximum of Rs 15000 both eyes including |
| Emergency Ambulance | Rs 600 per hospitalisation upto maximum of Rs 1200 per policy period |
| Exclusions and Waiting Period | |
| Pre existing diseases | Covered from first year itself except those germinated during immediate preceeding 12 months. Such diseases will be covered from second year and onwards |
| No claim period | Any disease contracted during the first 30 days of commencement of the policy |
| Waiting Period | Certain diseases such as hernia, piles, sinusitis etc shall be covered after a waiting period of 1 year.Certain diseases such as Cataract, Joint/Knee Replacement surgery(other than caused by an accident), Varicose Veins, Ulcers etc. will be covered after a period of 2 years |
| Co-payment | 50% for pre-existing diseases and 30% for all other admissible claims |
| General exclusions | Cosmetic or beauty related treatmentsNaturopathy treatment |