Star Health and Allied Insurance is India`s first stand alone Health Insurance provider, providing excellent services at affordable rates for health, accident, travel and senior citizen red carpet.

1. Star Health and Allied Insurance Company Limited
Branch Office.: No74, Chella Chamber, 2nd Floor, Covai Main Road,, Karur – 639 002 Ph. 04324 241545
CORPORATE OFFICE: No.1, New Tank Street, Valluvar Kottam High Road, Nungambakkam, Chennai - 600034. Ph: 044-28288800
Help Line. 99946 12916, 93628 54443 E-mail.: dhanasekaran.p@starhealth.
SENIOR CITIZEN RED CARPET POLICY
Features of the Policy
Age at Entry : 60 years to 75 years [Revised]
Renewability : Lifetime
SI Options : Rs.1,00,000 to Rs.5,00,000
Coverage : Individual Coverage
Co pay : 50% for PED
30% for other illness
Payable Premium
Sum Insured Premium S.Tax [10.30%] T. Premium
1,00,000 4,450 550 5,000
2,00,000 8,456 1,045 9,501
3,00,000 12,900 1,594 14,494
4,00,000 15,501 1,916 17,417
5,00,000 18,000 2,225 20,225
Special Features
• No medical Examination Report is required
• Policy is issued based on the declared PED in the proposal.
• All Claims subject to Co pay
• Sub limit for specific diseases
Avoidance of Risk
Persons who are suffering from or have suffered from CVA (Brain Stroke) Cancer, Renal
Complications, Parkinsons’ disease, and Alzhiemers’ Disease cannot be covered in this policy.
Benefits
Hospitalization Benefit
Cashless treatment or Reimbursement of expenses incurred owing to illness, sickness or accidents
as inpatient for a minimum period of 24 hours.
Post Hospitalization - 7% of the Hospital expenses subject to a maximum of Rs. Rs. 5000/-
Room Ren : 1% of Sum Insured subject to maximum of Rs.4000 per day
ICU Charges : 2% of Sum Insured
Doctors’ fee : 25% of Sum Insured
Other charges : 50 % of Sum Insured
Ambulance Charges at Rs.600 per hospitalization subject to a maximum of Rs. 1200 per policy
period
Day Care Procedure
12 treatments are covered as day procedure in case of less than 24 hours hospitalization.

2. Star Health and Allied Insurance Company Limited
Branch Office.: No74, Chella Chamber, 2nd Floor, Covai Main Road,, Karur – 639 002 Ph. 04324 241545
CORPORATE OFFICE: No.1, New Tank Street, Valluvar Kottam High Road, Nungambakkam, Chennai - 600034. Ph: 044-28288800
Help Line. 99946 12916, 93628 54443 E-mail.: dhanasekaran.p@starhealth.
Catract, Dialysis, Radiotheraphy, Chemotherap Rs. 15,000 per policy period
Pleural Effusion Rs. 2,000 per occurrence
Liver Aspiration Rs. 2,000 per occurrence
Tonsills Rs. 7,500 per occurrence
Lithotripsy Rs. 20,000 per occurrence
Colonoscopy Rs. 2,000 per occurrence
Scelerotheraphy Rs. 5,000 per occurrence
Dental owing to accidents Cutting and draining of abscess Rs.1,500 per occurrence
Exclusions
First 2 years’ Exclusions
Cataract Hysterectomy following menorrhia or fibromyoma, Knee Replacement Surgery,
Joint Replacement Surgery Prolapse of intervertibral disc Varicose veins/ulcers
First year Exclusions
Benign prostate hypertrophy, Hernia , Hydrocele, Fistula in Anus, Piles, Sinusitis,
Congenital internal disease/defect, Renal stone and Gall stone removal
PED cover
All declared PED covered at 50% co pay
If the declared PED falls under the exclusions, the same is covered after the
specified exclusion period
Any Treatment taken (whether IP or day care) in the last 12 months from the date
of commencement of policy is excluded in the first policy year
Sub limit for specific diseases
Sum Insured [Rs]
Limit of Company’s Liability [Rs.]
Treatment for
Cardiovascular
Diseases /
Cerebrovascular
Accident/Cancer and
breakage of Bones
Renal Complications
All other Major
Surgeries
1,00,000 75,000 75,000 60,000
2,00,000 1,50,000 1,50,000 1,20,000
3,00,000 1,60,000 1,60,000 1,30,000
4,00,000 1,70,000 1,70,000 1,40,000
5,00,000 1,80,000 1,80,000 1,50,000
Loading
Loading is based upon the last two years’ claims experience in the policy.

3. Star Health and Allied Insurance Company Limited
Branch Office.: No74, Chella Chamber, 2nd Floor, Covai Main Road,, Karur – 639 002 Ph. 04324 241545
CORPORATE OFFICE: No.1, New Tank Street, Valluvar Kottam High Road, Nungambakkam, Chennai - 600034. Ph: 044-28288800
Help Line. 99946 12916, 93628 54443 E-mail.: dhanasekaran.p@starhealth.
Claim Amount Loading
Between 100 - 125% of the premium 20 %
Between 126 - 150% of the premium 30 %
More than 150 % of the premium 50 %
Underwriting Guidelines
• All PED should be declared clearly in the proposal form for underwriting the coverage.
• Age proof of the person to be insured is compulsory.
• Any treatment for which either Daycare or Inpatient has been taken in the last 12 months’
from the date of commencement of policy is excluded in the first policy year.
• Other declared PED is covered.
• The excluded or covered PED is printed in the policy schedule.
• The proposal form has columns for “In the past months” and “Before 12 months”
Diseases mentioned In the past 12 months is Excluded for one year and those mentioned
in before 12 months is covered PED
• When the declared PED has to be covered , the same has to be keyed in the Risk element
under the column that reads ”Disease / Illness / Conditions suffered before 12 months ”
Any treatment that has been taken in the past 12 months should be keyed in the Risk
element under the column that reads “Disease/Illness/Conditions suffered in the past 12
months ”. This is displayed in the excluded period. If the declared PED falls under the
Exclusions, mention has to be made that they are covered after specific exclusion period.
• Self Declaration from the insured that he/she has not or is not suffering from CVA, Cancer,
Renal Complications, Parkinsons’ Disease , Alzhiemers’ Disease
• Choice to increase the Sum Insured in the renewal year is available. For increased Sum
Insured option fresh proposal form along with renewal notice is necessary.