One of the most popular plans, Star Red Carpet Senior Citizen Insurance offers the following coverage benefits to the insured:
• In-patient hospitalization expenses ( min. 24 hrs.) are paid as incurred on hospital room rent expenses, doctor’s and specialist’s fees, oxygen, blood, medicines, etc.
• For senior citizens a lot of time day-care procedures are required, the policy covers all the day-care treatments and surgeries that do not require 24 hours of hospitalization
• 30 days of pre-hospitalization and post-hospitalization expenses are given in a lump sum
• Claim for ambulance charges is also accepted
• Sub-limits apply to certain specific illnesses. Check policy wordings for the same
• Modern day treatments like Balloon sinusplasty, Vaporisation of the prostate, Uterine artery Embolization and HIFU, Oral Chemotherapy, Deep Brain Stimulation, Robotic surgeries, Intra Vitreal injections, Bronchial Thermoplasty, Stereotactic radio surgeries, IONM-(Intra Operative Neuro Monitoring), and Stem cell therapy are covered but with sub-limits

• Pre Existing diseases until completion of 1-year
• Diseases diagnosed during the first 30 days of the policy period
• Dental treatment or surgery (excluding accidental hospitalization)
• Injuries related to nuclear weapons and war or breach of law
• Expenses on Vitamins and tonics that are not a part of the treatment
• Rehabilitation and respite care
• Other exclusions as mentioned in the policy wording
Cancellation
By providing a 15 days’ notice to the insurer, Star health insurance policy can be cancelled.