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for Senior Citizens

Insurance is need, not luxury. You need insurance...

 ARE YOU 

SENIOR CITIZEN ?

(age 60+) Then READ CAREFULLY !

क्या आप 60 से 75 वर्ष की उम्र  के दायरे में हैं ?

क्या आपने अपने स्वास्थ संबंधित

बड़े ख़र्चे

भगवान भरोसे या सरकार भरोसे

छोड़ रखे हैं ?

on ICICI BANK, INDUS IND,YES BANK, HDFC BANK, KOTAK BANK, HSBC BANK, RBL BANK cards.

 आप बहुत बड़ा RISK ले रहे हैं।

खतरों के खिलाड़ी होना अलग बात है और समझदारी दिखाना अलग।

अपना स्वास्थ बीमा लीजिये और सर उठा के चलिये।


यह सुविधा सिर्फ 60 वर्ष आयु से 75 वर्ष आयु के वयस्क पुरुष व स्त्रियों के लिए उपलब्ध है।
नवीनीकरण हर साल जीवन भर किया जा सकता है।


HOW TO SAVE WEALTH USING SENIOR CITIZEN HEALTH COVER

Online contact and registration forms from Wufoo.

SAVE TAX extra upto 1,00,000 using HEALTH PLAN

Section 80D provides for tax deduction from the total taxable income for the payment (by any mode other than cash) of medical insurance premium paid by an Individual or a HUF. This tax deduction is available over and above the deduction of Rs. 1,50,000 under Sec. 80C.

अगर आप 60 से 75 वर्ष की उम्र  के दायरे में हैं तो

ध्यान दीजिये क्या आपके पास हस्पताल संबंधित खर्चों के लिए उचित प्रबंध है?

क्या आपको स्वास्थ कवर अपने या अपने बच्चों के नियोक्ता (COMPANY) से मिला है?

अगर आपको या बच्चों को नौकरी से निकाल दिया गया तो उस अवधि में आपके इलाज के हॉस्पिटल बिल कौन और कैसे भरेगा?

ढ़लती उम्र के साथ स्वाथ संबंधित समस्याओं की संभावना भती है।

आपको आर्थिक रूप से तैयार रहना चाहिये

भगवान न करे किसी को अस्पताल जाना पड़े, पर जब पड़ जाता है तो बहुत अधिक महँगा पड़ सकता है।
इसीलिये तैयार रहने में ही अक्लमंदी है

जिन्होंने ताउम्र आपके स्वास्थ्य का ध्यान रखा, अब उनका ध्यान रखना आपकी जिम्मेदारी है।

इसीलिये जरूरत पड़ने पर वरिष्ठ नागरिक रेड कारपेट प्लान से हॉस्पिटल के IPD बिल् पर 50 से 70% तक की छूठ पाएं।

वरिष्ठ नागरिक रेड कारपेट प्लान की मुख्य विशेषताएं

  • उम्र के साथ प्रीमियम नहीं भड़ता
  • cashless इलाज की सुविधा
  • लंबे वेटिंग पीरियड नहीं
  • भविष्य में बहुत पैसा बचेगा
  • नवीकरण पर भी वही प्रीमियम
  • जीवन भर नवीकरण उपलब्ध
  • कोई दावे के आधार पर अतिरिक्त प्रीमियम नहीं
  • कोई पूर्व चिकित्सा जांच नहीं
  • कोई चिकित्सा जाँच खर्च नहीं
  • IPD बिल्स पर अधिकतम 70% तक छूट
  • पुर्व मौजूद बीमारी 1 साल में ही कवर्ड
  • प्री एग्जिस्टिंग बीमारियों के IPD इलाज पर 50% तक छूट

Even if your parents are adequately covered by your employer, the cover provided would cease to exist post-retirement or you being fired or due to change in expenditure policy by employer. Considering the current rate of medical inflation in India, adequate health insurance has become a must-have for each and every individual, and if the individual happens to be your parent, the need to buy a senior citizen health insurance plan becomes all the more important.

REMEBER: your employer is not bound to cover your parents health expenses.

DO YOU HAVE

HEALTH COVER

IN AGE WHEN YOU NEED IT

MOST ?


If you are of 60 to 75 years of AGE... then SENIOR CITIZEN RED CARPET HEALTH PLAN IS FOR YOU.

  • No Medical Test.
  • O.P.D. benefits upto 1400pa.
  • P.E.D. cover just after 1 year.
  • Upto 70% dicsounts on IPD bills.
  • Cover available from 5 lacs to 25 lacs.
  • No increase in basic premium with higher AGE.

 

बढ़ती उम्र के साथ स्वास्थ संबंधी खर्चे भी भढते जाते हैं। health care की भढती कीमतों पर एक रिपोर्ट देखें :

One of the major worries for most senior citizens is deteriorating health. In the face of steep premiums for health insurance and rising healthcare costs, managing health-related expenses can be really challenging. Over the last few decades, the advancement in medical technology has made it possible to cure diseases that were once considered incurable. However, the cost of their treatment is so high, it is almost impossible for a middle class person to afford them.

Where does that money go? According to the study, spending can be broken down into 11 categories:

  •     Hospital care (32.7%)
  •     Physician services (15.6%)
  •     Other personal health care costs (15.1%)
  •     Prescription drugs (9.5%)
  •     The net cost of health insurance (6.6%)
  •     Nursing care facilities (4.8%)
  •     Investment spending (4.8%)
  •     Clinical services (4.3%)
  •     Home healthcare (2.8%)
  •     Government public health activities (2.5%)
  •     Government administration (1.3%)

Why Are Healthcare Costs Rising?
How five key factors were associated with healthcare increases over time:

  •     Population growth
  •     Population aging
  •     Disease prevalence or incidence
  •     Medical service utilization
  •     Service price and intensity

Why Do Healthcare Costs Keep Rising?

It's no surprise that Indian spend a huge amount of money on healthcare each year. High insurance premiums, high deductibles, copays, and other out-of-pocket expenses are just some of the costs associated with health and wellness in the country. One reason for rising healthcare costs is government policy. Since the inception of Medicare and Medicaid—programs that help people without health insurance—providers have been able to increase prices.
Still, there's more to rising healthcare costs than just government policy.

Growing and Aging Population

Healthcare gets more expensive when the population expands—as people get older and live longer. Therefore, it’s not surprising that 50% of the increase in healthcare spending comes from increased costs for services, especially inpatient hospital care.

Increase in Chronic Illnesses

Diabetes as the medical condition responsible for the greatest increase in spending over the study period. The increased cost of diabetes medications alone was responsible for $44.4 billion of the $64.4 billion increase in costs to treat that disease.

After diabetes, conditions with the greatest increase in costs were:

  1.     Low-back and neck pain: $57.2 billion
  2.     High blood pressure: $46.6 billion
  3.     High cholesterol: $41.9 billion
  4.     Depression: $30.8 billion
  5.     Urinary disease: $30.2 billion
  6.     Osteoarthritis: $29.9 billion
  7.     Bloodstream infection: $26 billion
  8.     Falls: $26 billion
  9.     Oral disease: $25.3 bil

Turning sixty is a major milestone. On the one hand, people tend to find more time for matters they couldn't adequately attend to during their years of career preoccupation. On the other, there is mounting anxiety about health. Yet, health insurance policies have hardly been available to address their needs. Star Health is proud to introduce India's first health insurance policy as a salute to our senior citizens. It provides cover for anyone over the age of 60 and permits entry right up to the age of 75 and guaranteed renewal thereafter. It is our way of caring for a generation that has done so much to build the country.

 

 

 

Major Product Features

This Health Insurance Plan from Star Health is unique among Senior Health Insurance Policies and extends benefits of Hospitalisation Cover as well as Post Hospitalisation Cover.

For people aged between 60 and 75 years
Guaranteed renewals beyond 75 years
No pre-insurance medical test required
Treatment at network hospitals only
All pre-existing diseases are covered from first year, except those for which treatment or advice was recommended by or received during the immediately preceding 12 months from the date of proposal

Disease for which treatment or advice was recommended by or received during the immediately preceding 12 months from the date of proposal will be covered from second year onwards

 














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When purchasing any mediclaim or health insurance plan always look for following things:

1) Cashless hospital network in your locality (more the hospital the better it is).

2) Quality of hospitals covered under cashless network.

3) Exclusions and waiting period of your health insurance plan.

4) Are there any cappings in your policy.

5) Who will support you in case you need to file any claim in emergency.

6) Do visit your local hospitals listed in your policy to ensure cashless facility is given.

7) Always take your policy from a wealth consultant rather than online, as they are more sensitive towards you and will be helpfull in case of emergencies as compared to any of the customer care desk executive.

Online contact and registration forms from Wufoo.

We provide FREE DIET CONSULTAION

to our clients through 3rd party expert dietician having over 14 years of experience and listed over practo.

KnowYourDietician


 

for Senior Citizens