Senior Citizen Red Carpet
  • Guaranteed lifetime renewal with constant premium
  • No pre-medical check-up required
  • Coverage up to 25L for individuals & families
Star Health Insurance
premium

Network hospitals

14000+

premium

Incurred claim ratio

65%

premium

Sum insured

Up to 2 CR

premium

No. of Plans

24

premium

Solvency Ratio

2.0

premium

Pan India Presence

850+

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

premium

Network hospitals

14000+

premium

Incurred claim ratio

65%

premium

Sum insured

Up to 2 CR

premium

No. of Plans

24

premium

Solvency Ratio

2.0

premium

Pan India Presence

850+

Star Health Senior Citizen Red Carpet Plan

Perfect plan to secure your old age from medical expenses.

Star Senior Citizens Red Carpet Health Insurance Plan is designed to cater to the healthcare needs of people above 60. The plan offers myriads of benefits such as coverage for modern treatments, in-patient hospitalization, day care procedures, and much more. Available on an individual and family floater basis, Star Health Insurance for Senior Citizens comes with a lifetime renewability option to support you with medical expenses lifelong.

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Star Health Senior Citizen Red Carpet Plan

Star Health Senior Citizen Red Carpet Plan

Star Senior Citizen Red Carpet Specifications

To explore more about Star Health Insurance for Senior Citizens, take a look at the below section:

Plan Type

Individual and Family Floater

Sum Insured

Individuals: 1 | 2 | 3 | 4 | 5 | 7.5 | 10 | 15 | 20 | 25 L Family Floater: 10 | 15 | 20 | 25 L

Entry Age

60 years to 75 years

Policy Term

1,2,3 Years

Renewability

Lifetime

Initial Waiting Period*

30 Days

Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Read more specifications in the brochure.

Choose your Senior Citizen Red Carpet Plan

Star Health Insurance Red Carpet plan allows you to customize your plan according to your needs and budget. Take a look at the below section to explore more:

Coverage for SI: 1L

In-patient & Out-patient Coverage

Room Rent

Covered up to 1% of SI

ICU Charges

Covered up to 2% of SI

Pre-Hospitalization

Covered up to 30 days

Post-Hospitalization

Covered up to 5K

Domiciliary Hospitalization

Not Covered

Daycare Treatment

All day care procedures are covered

OPD Charges

Not covered

Coverage Terms

COVID-19 Treatment

Covered

Cataract

Covered up to 15K per person

No Claim Bonus

Not available

Automatic Restoration

Not available

Daily Hospital Cash

Not available

Organ Donor

Not Covered

Maternity Cover

Not available

New Born Baby Cover

Not available

Alternative Treatments

AYUSH Treatment

Not Covered

IVF Treatment

Not Covered

Modern Treatment

Covered up to the specified limits

Emergency Coverage

Ambulance

Covered up to 1.2K per policy period

Air Ambulance

Not available

Compassionate Travel

Not available

Global Coverage

Not available

Wellness Programmes

E-Consultation

Not available

Health Check-Up

Covered

Second Medical Opinion

Not available

Vaccination

Not Covered

Limitations

Co-payment

Applicable

Sub-limits

Applicable

What is Room Rent?

Room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.

Common Room categories covered under room rent are:

  • Private Single AC Room
  • Twin Sharing
  • General Ward

Coverage status under Star Senior Citizen Red Carpet Plan?

The room sub limits covered under this plan are:

Sum Insured (in Rs.) Room Rent Limit (per day)
1 Lakh - 5 Lakhs Up to 1% of SI
7.5 Lakhs & 10 Lakhs Up to 6K
15 Lakhs Up to 7K
20 Lakhs Up to 8.5K
25 Lakhs Up to 10K
What are ICU Charges?

It is a special department in the hospitals where patients with serious medical conditions are treated.

Coverage status under Star Senior Citizen Red Carpet Plan?

The ICU charges under this plan are covered as per the limits mentioned in the table below:

Sum Insured (in Rs.) ICU limit (per day)
1 Lakh-10 Lakhs Up to 2% of the sum insured
15 Lakhs & 20 Lakhs Up to the SI
What is Pre Hospitalization?

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under Star Senior Citizen Red Carpet Plan?

This plan covers medical expenses of up to 30 days before your hospitalization.

What is Post Hospitalization?

Medical expenses incurred after the discharge of the policyholder from the hospital.

Coverage status under Star Senior Citizen Red Carpet Plan?

The plan covers the post-hospitalization medical expenses up to 7% of the hospitalization expenses, maximum up to the limits mentioned in the table below:

Sum Insured (in Rs.) Limit per occurrence (in Rs.)
1 Lakh - 7.5 Lakhs 5K
10 Lakhs & 15 Lakhs 7K
20 Lakhs & 25 Lakhs 10K
What is Domiciliary Hospitalization?

Home hospitalization arrangement for the insured person due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get the financial coverage.

Coverage status under Star Senior Citizen Red Carpet Plan?

Not covered

What is Daycare Treatment?

Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.

Coverage status under Star Senior Citizen Red Carpet Plan?

This plan covers all day care procedures.

What are OPD charges?

The cost of doctor consultation and prescribed medical tests that may not require hospitalization.

Coverage status under Star Senior Citizen Red Carpet Plan?

OPD charges under this plan are covered as per the selected SI.

Sum Insured (in Rs.) Limit per person per policy period for the policy with Sum Insured on Individual Basis For Policy with Sum insured on Floater Basis
Limit per person
(in Rs.) 		Limit per policy period (in Rs.)
1 L Not Available Not Available
2L
3L 600
4L 800
5L 1K
7.5L 1.2K
10L 1.4K 1.4K 2.4K
15L 1.8K 1.8K 3K
20L 2.2K 2.2K 3.8K
25L 2.6K 2.6K 4K
What is COVID-19 Treatment?

Covers the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.

Coverage status under Star Senior Citizen Red Carpet Plan?

COVID-19 treatment cover is available under this plan.

What is Cataract Treatment?

A common eye condition in which your vision gets blurred.

Coverage status under Star Senior Citizen Red Carpet Plan?

This plan offers coverage for Cataract treatment as per the selected Sum Insured amount and the defined sub limits.

Cataract Sub-limits
Sum Insured (in Rs.) On Individual Basis On Family Floater Basis
Limit per person per policy period Limit per person  (in Rs.) Limit per policy period (in Rs.)
1L 15K Not Available
2L 15K
3L 18K
4L 20K
5L 21.5K
7.5L 23K
10L 25K 25K 45K
15L 30K 30K 50K
20L 35K 35K 60K
25L 40K 40K 70K
What is a No-Claim Bonus?

For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as no-claim bonus on policy renewal. However, in the case of claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.

Coverage status under Star Senior Citizen Red Carpet Plan?

Not available

What is Automatic Restoration?

Automatic restoration is a benefit in which the insurance company restores the total sum insured after it gets fully exhausted in treatments.

Coverage status under Star Senior Citizen Red Carpet Plan?

Not available

What is Daily Hospital Cash?

It is a cash amount that you will get each day during the time of hospitalization.

Coverage status under Star Senior Citizen Red Carpet Plan?

Daily hospital cash is not available under this plan.

What is an Organ Donor Cover?

Your health plan will cover the cost of the procedure for removing the damaged or malfunctioning organs from the body.

Coverage status under Star Senior Citizen Red Carpet Plan?

Not covered

What is a Maternity Cover?

It refers to the cover that includes expenses for normal and c-section procedures deliveries.

Coverage status under Star Senior Citizen Red Carpet Plan?

Maternity cover is not available under this plan.

*It is generally not covered under most health insurance plans as pregnancy is a planned condition.

What is a New Born Baby Cover?

It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the new born cover and these common treatments can vary from plan to plan:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Pre-mature delivery
  • Birth asphyxia
  • Day care treatment

Coverage status under Star Senior Citizen Red Carpet Plan?

Newborn baby expenses are not covered under this plan.

What is AYUSH Treatment?

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

Coverage status under Star Senior Citizen Red Carpet Plan?

This plan does not cover AYUSH treatments.

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)

Coverage status under Star Senior Citizen Red Carpet Plan?

Not Covered

What is a Modern Treatment?

Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.

Coverage status under Star Senior Citizen Red Carpet Plan?

This plan covers a wide range of modern treatments with certain sub limits as mentioned in the table below:

Coverage for Modern Treatment - On Individual Basis

SI (in Rs.) 1 L 2 L 3 L 4 L  5L 7.5L 10L 15L 20 L 25L
Uterine Artery Embolization and HIFU 60K 1.2L 1.5L 2L 2.25L 2.5L 2.75L 3L 3.25L 3.5L
Balloon Sinuplasty 60K 1.2L 1.5L 2L 2.25L 2.5L 2.75L 3L 3.25L 3.5L
Deep Brain Stimulation 60K 1.2L 1.5L 2L 2.25L 2.5L 2.75L 3L 3.25L 3.5L
Oral Chemotherapy 75K 1.5L 2L 2.25L 2.75L 3L 3.5L 4L 4.5L 5L
Immunotherapy 75K 1.5L 2L 2.25L 2.75L 3L 3.5L 4L 4.5L 5L
Intra Vitreal injections 10K 15K 20K 25K 30K 40K 50K 60K 75K 1L
Robotic surgeries 60K 1.2L 1.5L 2L 2.25L 2.5L 2.75L 3L 3.25L 3.5L
Stereotactic Radio Surgeries 75K 2L 2.25L 2.5L 2.25L 3L 3.50L 3.75L 4L 3.5L
Bronchial Thermoplasty 60K 1.2L 1.5L 2L 2.25L 2.5L 2.75L 3L 3.25L 3.5L
Vaporization of the prostate (Green laser/Holmium laser) 60K 1.2L 1.5L 2L 2.25L 2.5L 2.75L 3L 3.25L 3.5L
Intra Operative Neuro Monitoring 60K 1.2L 1.5L 2L 2.25L 2.5L 2.75L 3L 3.25L 3.5L
Stem Cell Therapy 75K 1.5L 2L 2.25L 2.75L 3L 3.5L 4L 4.5L 5L
What is an Ambulance Cover?

An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.

Coverage status under Star Senior Citizen Red Carpet Plan?

This plan covers Ambulance charges as per the selected SI.

Sum Insured (in Rs.) Limit per hospitalization (in Rs.) Limit per policy period (in Rs.)
1 Lakh to 4 Lakhs 600 1200
5 Lakhs to 10 Lakhs 1000 2000
15 Lakhs to 25 Lakhs 1500 3000
What is an Air Ambulance?

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

Coverage status under Star Senior Citizen Red Carpet Plan?

Not available

What is Compassionate Travel?

Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.

Coverage status under Star Senior Citizen Red Carpet Plan?

Not available

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India.

Coverage status under Star Senior Citizen Red Carpet Plan?

Not available

What is E-Consultation?

If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

Coverage status under Star Senior Citizen Red Carpet Plan?

Not Available

What is a Health Checkup?

A facility where the policyholder can avail free health check-ups after fulfilling the company's policies.

Coverage status under Star Senior Citizen Red Carpet Plan?

The policy allows health check-ups for all insured members up to the below mentioned limits:

Sum Insured (in Rs.) For Individual Policies For Floater Policies
Limit per person (in Rs.) Limit per policy period (in Rs.) Limit per person  (in Rs.) Limit per policy period (in Rs.)
1 Lakh to 4 Lakhs Not Available Not Available
5 Lakhs & 7 Lakhs 1,000 Not Available Not Available
10 Lakhs & 15 Lakhs 2,000 2,000 3,000
20 Lakhs & 25 Lakhs 2,500 2,500 4,500
What is a Second Medical Opinion?

If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company's network of medical practitioners.

Coverage status under Star Senior Citizen Red Carpet Plan?

Not available

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations is provided by the insurance companies.

Coverage status under Star Senior Citizen Red Carpet Plan?

Not available

What is Co-payment?

In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.

Coverage status under Star Senior Citizen Red Carpet Plan?

The policy is subjected to co-payment as mentioned in the table:

Sum Insured Co-pay
1 - 10 Lakhs PED: 50% of each admissible claim
Non-PED: 30% of each admissible claim
15 - 25 Lakhs 30% of each PED and Non PED claims
What is the Sub limit?

Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to pay by the policyholder.

Coverage status under Star Senior Citizen Red Carpet Plan?

Sub-limits under this plan apply to modern treatments, various surgeries, cataracts, etc.

Star Health Insurance Network Hospital List

Star Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Star Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Delhi

Mumbai

Bengaluru

Chennai

Kolkata

Hyderabad

Pune

Ahmedabad

Jaipur

Lucknow

Know More About Star Network Hospital

Choose Star Health Insurance Plan for

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Star Health Top-up Plan

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Star Insurance for Cancer

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Star Senior Citizen Red Carpet Exclusions

Star Health Insurance for Senior Citizens has certain treatments/ procedures/ diseases that are not covered by the company. Below-mentioned is such criteria that are excluded from the plan’s coverage:

Permanent Exclusions

Permanent diseases or health conditions that are not included under Star Health Red Carpet plan are:

Intentional self-injury

Mental illness

Cosmetic & aesthetic treatment

Congenital disease

Dental surgery

AIDS

Unproven treatments

Hospitalization out of war, riot, strike, and nuclear weapons.

Coverage after Waiting Period

Certain diseases and treatments are covered under the Star Health Senior Citizen Red Carpet after a certain time period. Read the details below:

Specified ailments after 24 Months

Pre-existing diseases after 12 Months

Star Health Senior Citizen Red Carpet: Sample Premium

Understand premium calculation of Star Health Insurance for Senior Citizens with the help of sample premium shown below. We at PolicyX.com have calculated the premium amount for Star Health Senior Citizen Red Carpet for both individuals and family floaters with different sums insured.

For Individual

Sum Insured (in Rs.)5 Lakhs10 Lakhs15 Lakhs20 Lakhs25 Lakhs
Premium Payable21,24026,55034,46238,59842,462

For Family Floater

Sum Insured (in Rs.)10 Lakhs15 Lakhs20 Lakhs25 Lakhs
Premium Payable45,13558,58765,62072,187

Star Senior Citizen Red Carpet Benefits

Senior Citizen Red Carpet health insurance plan helps customers with a multitude of advantages related to healthcare. Find the details below:

Installment Facility Available

Option to pay premium in installments.

No Pre-acceptance Medical Screening

Pre-medical checkup not required.

Constant Premium with Lifetime Renewal Guarantee

No rise in premium on policy renewals.

Tax Benefits

Enjoy tax exemption under section 80D.

Installment Facility Available

With Star Health Red Carpet, a policyholder has the option to pay their premium monthly, quarterly or half-yearly. One can also choose to pay their premiums annually, biennially (Once in 2 years) and triennially (Once in 3 years).

No Pre-acceptance Medical Screening

To avail of Star Health Red Carpet, there is no need to go through any pre-acceptance medical screening.

Constant Premium with Lifetime Renewal Guarantee

Star Senior Citizen Red Carpet offers the option to renew their policy for the rest of their lives without worrying about the rise in premium. The premium amount will remain the same as it was at the time of the inception of the policy.

Tax Benefits

Under Star Health Insurance for Senior Citizens, one can avail tax benefit on the premium amount under section 80D of Income Tax Act 1961.

Explore other Star Health Plans

To cater to the different medical needs of an individual & their family, Star Health offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to explore more:

Comprehensive

Star Comprehensive Plan

This policy is designed to provide complete protection against all health care eventualities to you and your family.

Unique Features

  • Avail free health check-ups
  • Hospital Cash Benefit
  • 100% Automatic Restoration

Star Comprehensive Plan (Pros)

  • 99.6% CSR
  • Up to 1 Cr SI
  • Maternity Cover
  • New Born Baby Cover
  • Road and Air Ambulance

Star Comprehensive Plan (Cons)

  • No Global Coverage
  • No IVF Treatment
  • No compassionate Travel
  • HIV/AIDS not covered

Star Comprehensive Plan (Other Benefits)

  • Individual and family floater
  • Mid-term inclusion available
  • Accidental Death
  • Permanent Total Disablement
  • Star Wellness Program

Star Comprehensive Plan (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 5 L to 1 Cr
  • Waiting Period - 30 Days

Comprehensive

Star Family Health Optima Policy

The plan is ideal for the families who want to get covered under single sum insured.

Unique Features

  • Automatic Restroration of SI
  • Instant Recharge UPTO 30% of SI
  • New born baby cover from 16th day

Family Health Optima Policy (Pros)

  • No Pre-Policy Check-up
  • Lifelong Renewability
  • High SI available
  • COVID-19 cover
  • OPD covered

Family Health Optima Policy (Cons)

  • PED cover not available
  • Obesity Treatment Unavailable
  • Hazardous Activities
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Family Health Optima Policy (Other Benefits)

  • Long term discounts
  • Premium Payment flexibility
  • Health Check-up Cover
  • Domiciliary Hospitalization
  • Modern Treatment Cover

Family Health Optima Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 1 L to 25 L
  • Waiting Period - 30 Days

Youth-specific

Star Young Star Policy

Created for young individuals under 40 years of age. It also offers various benefits such as discounts on renewals, incentive-led wellness programs, lowest waiting periods.

Unique Features

  • No-claim bonus
  • Hospital daily cash
  • Automatic restoration of SI

Star Young Star Policy (Pros)

  • Mid-term inclusion
  • 10% discount on early purchase
  • Star Wellness Program
  • Flexible-Premium Payment
  • 2 Plan variants

Star Young Star Policy (Cons)

  • PED waiting period
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Star Young Star Policy (Other Benefits)

  • Hospital Cash Benefit
  • Lifelong Renewal
  • E-opinion
  • No-claim bonus
  • Automatic Restoration

Star Young Star Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 40 Years
  • SI - 3 L to 1 Cr
  • Waiting Period - 30 Days

Protection Plan

Young Star Extra Protect

This plan is designed to enhance your base health policy’s sum insured to provide maximum coverage for room rent, modern treatment, etc.

Unique Features

  • Modern care optimization
  • Base plan enhancement
  • AYUSH treatment extender

Young Star Extra Protect (Pros)

  • Modern treatment coverage
  • Room rent limit extension
  • Base policy’s sum insured enhancement
  • Features similar to the base policy
  • Home care treatment

Young Star Extra Protect (Cons)

  • No maternity cover
  • Limited to SI of base policy
  • Organ donor expenses not covered
  • Vaccination not covered
  • COVID-19 care not covered

Young Star Extra Protect (Other Benefits)

  • Individual & family floater plan
  • Trusted insurance provider
  • Unlimited benefits up to SI
  • Cashless claim settlement
  • AYUSH Treatment cover

Young Star Extra Protect (Eligibility Criteria)

  • Minor entry age - 91 days - 25 years
  • Adult entry age - 18 - 40 year
  • SI - Base policy above INR 10 Lakhs
  • Waiting Period - As per the base policy

Standard

Star Arogya Sanjeevani Policy

A standard health plan mandated by IRDAI that covers all essential healthcare benefits including Ayush treatment, day care procedures, etc. for individuals and families.

Unique Features

  • Room rent up to 5K/day
  • Modern treatments covered
  • 20% rural discount available

Arogya Sanjeevani Policy (Pros)

  • Affordable Plan
  • 50% No Claim Bonus
  • Flexible Policy
  • Day Care Procedures Covered
  • Up to 25% of SI for Cataracts

Arogya Sanjeevani Policy (Cons)

  • 5% Co-payment
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Arogya Sanjeevani Policy (Other Benefits)

  • Lifelong Renewal
  • Road Ambulance Cover
  • Day Care Procedures Covered
  • AYUSH treatment Cover
  • Rural Discount

Arogya Sanjeevani Policy (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 1 L to 10 L
  • Waiting Period - 30 Days

Comprehensive

Star Medi Classic Policy (Individual)

A uniquely designed insurance policy that covers organ donor expenses up to sum insured, AYUSH treatments, modern treatments, and many more.

Unique Features

  • All Daycare procedures
  • Automatic Restoration
  • Domiciliary hospitalization

Medi Classic Policy (Individual) (Pros)

  • Plan Variants Available
  • Customizable Plan
  • Hospital-Cash Benefit
  • 5% Family Discount
  • Organ Donor Cover

Medi Classic Policy (Individual) (Cons)

  • 10% Co-payment
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Medi Classic Policy (Individual) (Other Benefits)

  • New Born Baby Cover
  • 100% Super Restoration
  • Up to 100% No-claim Bonus
  • Psychiatric coverage
  • Patient Care Cover

Medi Classic Policy (Individual) (Eligibility Criteria)

  • Entry Age - 16 Days
  • Max Entry Age - 65 Years
  • SI - 1.5 L to 25 L
  • Waiting Period - 30 Days

Flexible

Star Health Gain Policy

Provides flexibility in terms of choosing the Sum Insured amount, premium amount, family size. It can be a perfect tax saver for you.

Unique Features

  • All Daycare procedures
  • Coverage for Modern Treatment
  • Outpatient Expense

Star Health Gain Policy (Pros)

  • Day Care Procedures Covered
  • Road Ambulance Available
  • Modern Treatments Available
  • Outpatient Benefit

Star Health Gain Policy (Cons)

  • 20% Co-payment
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Star Health Gain Policy (Other Benefits)

  • Up to 60k Cataract cover
  • Room Rent Cover
  • ICU Cover
  • Wide SI options
  • Flexible Premiums

Star Health Gain Policy (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 65 Years
  • SI - 1 L to 5 L
  • Waiting Period - 30 Days

Individual Plan

Star Health Premier Policy

A unique health plan for individuals above the age of 50 years with no upper age entry limit. The plan comes with a high SI.

Unique Features

  • Affordable Premiums
  • Long Term Discounts
  • Automatic Restoration

Star Health Premier Policy (Pros)

  • Cataract Treatment Cover
  • 10% Health Check- Up Discount
  • High SI
  • Home Care Treatment
  • Road Ambulance Cover

Star Health Premier Policy (Cons)

  • 20% Co-pay applicable
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Star Health Premier Policy (Other Benefits)

  • Hospice Care
  • Pain Management
  • AYUSH Treatment
  • Modern Treatment
  • 100% Cumulative Bonus

Star Health Premier Policy (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - No Age Limit
  • SI - 10 L to 1 Cr
  • Waiting Period - 30 Days

Women Care

Star Women Care Plan

A special plan designed for women, wherein women can avail multifold benefits along with the coverage to the whole family.

Unique Features

  • Coverage for Modern Treatments
  • Coverage during Pregnancy
  • Preventive Health Check Up

Star Women Care Plan(Pros)

  • Designed for Women's Care
  • Cancer cover optional
  • Bariatric Surgery Cover
  • Mid-term inclusions
  • High SI

Star Women Care Plan (Cons)

  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Congenital Disease Cover

Star Women Care Plan (Other Benefits)

  • 10% long-term discount
  • 10% Air Ambulance Cover
  • Pain Management Cover
  • Assisted Reproduction
  • Automatic Restoration

Star Women Care Plan (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 75 Years
  • SI - 5 L to 1 Cr
  • Waiting Period - 30 Days

Top-up

Star Super Surplus Policy

The plan offers additional coverage to the policyholder in case their existing coverage is exhausted.

Unique Features

  • All Daycare procedure
  • Pre and Post Hospitalization
  • Organ Donor Expense

Star Super Surplus Policy (Pros)

  • Flexible Policy
  • Avail Long Term Discount
  • Cover family up to 2A+3C
  • Lifelong renewal
  • 2 Plan variants

Star Super Surplus Policy (Cons)

  • Includes Deductibles
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Congenital Disease Cover

Star Super Surplus Policy (Other Benefits)

  • Avail e-opinions
  • Star Wellness Services
  • Recharge benefit
  • Air Ambulance
  • No pre-policy Medical check-up

Star Super Surplus Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 5 L to 1 Cr
  • Waiting Period - 30 Days

Critical Illness

Star Criticare Plus Policy

Provides reimbursement of hospitalization expenses and also provides a total amount of sum insured if the insured person is diagnosed with a major illness.

Unique Features

  • Modern Treatment Covered
  • Non-allopathic Treatment
  • Coverage Medicine and drugs cost

Care Policy

Star Cardiac Care Policy-Platinum

A unique plan designed for cardiac care with a wide range of sum-insured options and flexible payment options

Unique Features

  • High SI available
  • 100% No Claim Bonus
  • Avail Non-Cardiac Cover

Star Cardiac Care Policy-Platinum (Pros)

  • Avail Heart Transplantation
  • Long Term Policy
  • Up to 15 L SI
  • Cardiac device cover
  • Installment options available

Star Cardiac Care Policy-Platinum (Cons)

  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Congenital Disease Cover

Star Cardiac Care Policy-Platinum (Other Benefits)

  • Wellness Services
  • Angiogram Test
  • Modern Treatments
  • Pain Management
  • Health Check-ups

Star Cardiac Care Policy-Platinum (Eligibility Criteria)

  • Entry Age - 7 Years
  • Max Entry Age - 70 Years
  • SI - 5 L to 15 L
  • Waiting Period - 30 Days

Affordable Plan

Star Hospital Cash Policy

It is designed to care for your incidental expenses such as travel, food, etc. that are not covered under your Health Insurance Policy in the event of Hospitalization.

Unique Features

  • Two Plan Variants
  • Individual and Family Floater
  • Affordable

Star Hospital Cash Policy (Pros)

  • 3 Years Policy Term
  • Cover up to 3 Children
  • 180 days of hospital cash days
  • Comprehensive Plan
  • Various Hospital Cash Covers

Star Hospital Cash Policy (Cons)

  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Injuries due to breach of law

Star Hospital Cash Policy (Other Benefits)

  • Sickness Hospital Cash
  • Accident Hospital Cash
  • ICU Hospital Cash
  • Child Birth Hospital Cash
  • Worldwide Hospital Cash

Star Hospital Cash Policy (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 65 Years
  • SI - 1k - 5k
  • Waiting Period - 30 Days

Cardiac

Star Cardiac Care Policy

Star Cardiac Care is ideal for those individuals who want to cover the expenses of cardiac & non-cardiac ailments.

Unique Features

  • Accidents and non-cardiac ailments
  • Day care procedure
  • No pre-acceptance Medical test

Star Cardiac Care Policy (Pros)

  • Flexible Product
  • Personal Accident Cover
  • 2 Plan Variants
  • Road Ambulance
  • Day Care Procedures

Star Cardiac Care Policy (Cons)

  • 10% Co-Payment
  • PED
  • Cosmetic Surgery
  • Obesity Treatment
  • Change of Gender Treatments

Star Cardiac Care Policy (Other Benefits)

  • Personal Accident Cover
  • Heart Transplantation
  • OPD expenses Cover
  • Modern Treatment Cover
  • COVID-19 Cover
  • Cataract Cover

Star Cardiac Care Policy (Eligibility Criteria)

  • Entry Age - 10 Years
  • Max Entry Age - 65 Years
  • SI - 3 L to 4 L
  • Waiting Period - 30 Days

Cancer care

Star Cancer Care Gold (Pilot Product)

Covers the risk of spreading/recurrence of first cancer (metastasis) & second cancer (second malignancy)

Unique Features

  • Pre-hospitalization (30 days)
  • All daycare procedure
  • Nursing Expense

Autism Spectrum Disorder

Star Special Care Policy

Star Special Care provides coverage to children (3 years to 25 years) who are diagnosed with Autism Spectrum Disorder.

Unique Features

  • No Pre-medical test
  • Nursing Expense
  • Emergency Ambulance Charges

Star Special Care Policy (Pros)

  • Modern Treatment Available
  • Day Care Procedures Available
  • Ambulance cover
  • Room rent cover
  • Shared Accommodation cover

Star Special Care Policy (Cons)

  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Pre-existing Diseases

Star Special Care Policy (Other Benefits)

  • Treatment of Seizures
  • Behavioral Therapy Cover
  • Speech Therapy Cover
  • Occupational Therapy Cover
  • Adeno Tonsillectomy

Star Special Care Policy (Eligibility Criteria)

  • Entry Age - 3 Years
  • Max Entry Age - 25 Years
  • SI - 3 L
  • Waiting Period - 30 Days

Individual Plan

Micro Rural and Farmers Care

An individual and floater basis rural plan with SI of 1 lakh and 2 lakh respectively. Comes with installment on premiums and lifelong renewal.

Unique Features

  • Day care procedures
  • Modern treatments
  • Cataract treatment

Micro Rural and Farmers Care (Pros)

  • Designed for Farmers
  • Flexible Policy
  • Day Care Procedures
  • Flexible Payment Options
  • PED cover available

Micro Rural and Farmers Care (Cons)

  • 20% co-pay
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Micro Rural and Farmers Care (Other Benefits)

  • No Pre-policy medical checkup
  • Modern Treatments Covered
  • Lifelong Renewal
  • Up to 15k Cataract Cover
  • ICU cover

Micro Rural and Farmers Care (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 1 L - 2 L
  • Waiting Period - 30 Days

Individual Plan

Star Out Patient Care

An OPD coverage policy with an individual and family floater option and 4 SI variants. Comes with 3 plan variants: Silver, Gold and Platinum.

Unique Features

  • Diagnostics and physiotherapy
  • Pharmacy
  • Ophthalmic cover

Star Out Patient Care (Pros)

  • Cover up to 6 family members
  • 3 Plan variants available
  • Dental Cover available
  • Physiotherapy cover
  • Pharmacy cover

Star Out Patient Care (Cons)

  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Breach of law

Star Out Patient Care (Other Benefits)

  • Dental Treatments Available
  • AYUSH Treatments Available
  • Ophthalmic Treatment
  • Outpatient Consultation
  • Renewal Discounts

Star Out Patient Care (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 50 Years
  • SI - 25k - 1 L
  • Waiting Period - 30 Days

Individual Plan

Star Accident Care Policy

An accidental coverage policy for individuals and families and comes with high sum insured. The policy gives cumulative bonus and multiple discounts.

Unique Features

  • Educational grant
  • Vehicle/Residence modification
  • Imported medicines

Individual Plan

Special Care Gold Insurance Policy

Special Care Gold is a special product tailored specifically for individuals with disabilities and those who are HIV/AIDS positive.

Unique Features

  • No pre-policy check-up
  • Affordable Plan
  • Flexible premium payment

Special Care Gold Insurance Policy (Pros)

  • HIV/AIDS Cover
  • Waiver of Co-Payment
  • Cataract Treatment Cover
  • Day Care Treatments
  • Road Ambulance Cover

Special Care Gold Insurance Policy (Cons)

  • 20% Co-pay applicable
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • Cosmetic Surgery unavailable
  • Injuries due to breach of law

Special Care Gold Insurance Policy (Other Benefits)

  • Pre Hospitalization Cover
  • Post Hospitalization Cover
  • Disability Cover
  • High SI
  • Modern Treatment Cover

Special Care Gold Insurance Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 4 L to 5 L
  • Waiting Period - 30 Days

COVID-19

Star Novel Coronavirus (nCoV) (COVID-19) Insurance Policy

This plan is for individuals who want to protect themselves and their families against the deadliest virus of Covid-19.

Unique Features

  • No pre-medical Test
  • Only 16 days of Waiting Period
  • Low premium amount

COVID-19

Corona Kavach Policy

It covers the cost of hospitalization if the policyholder tested positive for COVID-19.

Unique Features

  • AYUSH Treatments
  • Home Care Treatment
  • No pre-medical screening test

COVID-19

Corona Rakshak Policy

This policy offers 100% sum insured to the policyholder if he/she tested positive for COVID-19.

Unique Features

  • No pre-medical screening test
  • Sum insured: INR 50K to 2.5Lakhs
  • Only 15 days Waiting Period

Accident Plan

Star Health Assure Insurance Policy

A new-age plan with loaded benefits covering hospitalization expenses arising due to illness or accident.

Unique Features

  • Premium Payment Flexibility
  • Wellness Program
  • Short Waiting Period

Assure Insurance Policy (Pros)

  • Second Medical Opinion
  • Health Check-up Covered
  • 100% Cumulative Bonus
  • Compassionate Travel
  • AYUSH Treatment

Assure Insurance Policy (Cons)

  • 10% Co-pay applicable
  • Deductibles
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Injuries due to breach of law

Assure Insurance Policy (Other Benefits)

  • In Utero Fetal Surgery
  • Pain Management
  • Rehabilitation Cover
  • Organ Donor Cover
  • Modern Treatment Cover

Assure Insurance Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 75 Years
  • SI - 5 L - 2 Cr
  • Waiting Period - 30 Days

Individual Plan

Star Health Diabetes Safe Insurance Policy

A specified plan for Type 1 or Type 2 Diabetes with flexible plan options. Offers automatic sum restoration with accident cover.

Unique Features

  • Cataract Cover
  • Affordable Premiums
  • Flexible Payment Options

Diabetes Safe Policy (Pros)

  • Road Ambulance Cover
  • Pre and Post Hospitalization
  • ICU Cover
  • Room Rent Cover
  • Day Care Treatment Cover

Diabetes Safe Policy (Cons)

  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Injuries due to breach of law

Diabetes Safe Policy (Other Benefits)

  • Dialysis Cover
  • Kidney Transplant Cover
  • Artificial Limbs Cover
  • Personal Accident Cover
  • OPD Cover

Diabetes Safe Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 3 L to 10 L
  • Waiting Period - 30 Days

Platinum Plan

Star Cancer Care Platinum Insurance Policy

A cancer oriented policy which offers all-round protection and covers the high medical bills of the disease.

Unique Features

  • High SI
  • Affordable Premiums
  • Flexible Payment Options

Cancer Care Platinum Policy (Pros)

  • Cataract Cover
  • No pre-medical check-up
  • Lump Sum Cover
  • 50% Cumulative Bonus
  • Hospice Care

Cancer Care Platinum Policy (Cons)

  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Injuries due to breach of law

Cancer Care Platinum Policy (Other Benefits)

  • Second Medical Opinion
  • Rehabilitation Cover
  • Pain Management
  • Day Care Treatment
  • Modern Treatment Cover

Cancer Care Platinum Policy (Eligibility Criteria)

  • Entry Age - 5 Months
  • Max Entry Age - 65 Years
  • SI - 5 L to 10 L
  • Waiting Period - 30 Days

Critical Plan

Star Critical Illness Multipay Insurance Policy

A critical illness policy providing lump sum benefit on diagnosis of Critical illnesses related to Cancer, Heart, Brain & Nervous System, and Major Organs.

Unique Features

  • High SI
  • Affordable Premiums
  • Tax Benefits

Critical Illness Multipay Policy (Pros)

  • Flexible Payment
  • Long Term Policy
  • Bone Marrow Transplantation
  • Heart Disease Cover
  • 4 Group CI Covered

Critical Illness Multipay Policy (Cons)

  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Injuries due to breach of law

Critical Illness Multipay Policy (Other Benefits)

  • Open Chest CABG
  • Heart Transplantation
  • Coma of Specified Severity
  • Wellness Programs
  • Major Head Trauma

Critical Illness Multipay Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 5 L to 25 L
  • Waiting Period - 30 Days

Critical Plan

Smart Health Pro Plan

A truly smart health plan launched by Star Health Insurance offering tailored healthcare solutions with a high sum insured of up to INR 1 crore.

Unique Features

  • Tax Benefits
  • High SI
  • Multiple Optional Covers

Smart Health Pro Plan (Pros)

  • Modify Room Category
  • Up to 600% Cumulative Bonus
  • Reduced Waiting Period
  • Non-Medical Items Covered
  • Unlimited Automatic Restoration

Smart Health Pro Plan (Cons)

  • Adventure Sports Injuries
  • AIDS not covered
  • Injuries due to Illegal activities
  • No IVF Treatment
  • Obesity Not Covered

Smart Health Pro Plan (Other Benefits)

  • Multiple Discounts Available
  • Family Health Cover
  • Daycare Treatments
  • Air Ambulance
  • Domiciliary Hospitalization

Smart Health Pro Plan (Eligibility Criteria)

  • Entry Age: 18 Years
  • Maximum Entry Age: 50 Years
  • SI - 5 L to 1 Crore
  • Waiting Period - 30 Days

Protection Plan

Star Extra- Protect Insurance Policy

Star Extra Protect is an add-on Cover that enhances the limits of existing covers in addition to offering new features to the base policy

Unique Features

  • Additional SI
  • Enhanced Protection
  • Tax Benefits

Extra- Protect Policy (Pros)

  • Enhanced Room Rent
  • Non-Medical Items Covered
  • Affordable Premiums
  • Baby Food Cover
  • Ambulance Cover

Extra- Protect Policy (Cons)

  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Injuries due to breach of law

Extra- Protect Policy (Other Benefits)

  • Modern Treatment Cover
  • Oral Chemotherapy
  • Robotic surgeries
  • AYUSH Treatment
  • Home Care Treatment

Star Senior Citizens Red Carpet Plan: FAQs

1. Is the Star Senior Citizen Red Carpet ideal for my retired parents?

Senior Citizens Red Carpet health insurance policy comes with a range of benefits against various hospitalization expenses provided at affordable premiums. It also offers an added advantage of constant premium with lifetime renewals guaranteed. You can consider this plan if you are looking to buy a Senior Citizen Health plan.

2. What are the criteria for choosing an installment facility under the Star Health Insurance Red Carpet?

For choosing instalment mode of payment under Star Senior Citizen Red Carpet, there will be loading as per the below-limits:

  • Quarterly: 3%
  • Half-yearly: 2%

3. Does the Senior Citizen Red Carpet health insurance plan offer any discounts to the policyholders?

A policyholder is eligible to avail the discount of 10 % on the premium under Star Senior Citizen Red Carpet if they choose to submit their below-mentioned medical records:

  • Stress Thallium Report
  • BP Report
  • Sugar (Blood & urine) Fasting/Postprandial
  • Blood urea & creatinine

4. What is co-payment? How is it beneficial for my parents who are above 60?

A co-payment is a fixed percentage that the insured agrees to bear in the event of a claim, and the rest is paid by the insurer.

Having a co-pay clause in your policy can lower your premiums, and can help senior citizens in getting coverage for the pre-existing diseases that too at a lower premium.

5. Up to what amount the plan offers coverage for oxygen, surgeon, anesthesia, OT charges, etc.?

  • Surgeon, Anesthetist, Medical Practitioner, Consultants and Specialists fees are covered up to 25% of the sum insured per hospitalization.
  • Anesthesia, Blood, Oxygen, Operation Theatre charges, Cost of Pacemaker, etc., are covered up to 50% of the sum insured per hospitalization.

6. What is the Grace Period under Star Health Senior Citizen? Does it vary on the basis of premium paying frequency?

The grace period for Star Health Red Carpet plan for Senior Citizen is 30 days, whereas if the policyholder has chosen to pay their premiums half-yearly or quarterly, then the grace period would be 7 days.

7. Does the Star Health Senior Citizen Red Carpet Plan offer the benefit of PED buyback?

No, there is no PED Buy Back cover, however, the plan offers the co-pay clause wherein the policyholder can get coverage for pre-existing diseases by co-paying up to 50% of the claim amount.

8. Can the premium for this policy be paid in installments?

Yes, this policy accepts premium payment in installments. There is also an option to pay the premium annually (once a year), biennially (once in 2 years), or triennially (once in 3 years).

9. Do the policy cover pre-and post-hospitalization charges?

Yes, the policy covers pre-and post-hospitalization charges.

10. Are pre-existing diseases covered under this policy?

The pre-existing diseases are covered under this policy second year onwards.

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Star Health Insurance Policy Review

Read what customers think about the Star Health Insurance Policy.

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Simran

Jamshedpur

April 8, 2024

I am impressed by Star Health reward features and want to be associated with the insurer for a long time

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Dinesh

Belgaum

April 8, 2024

I required emergency hospitalization on my family trip to a remote city and PolicyX helped me find the nearest network hospital of Star health insurance

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Nitika

Jalandhar

April 8, 2024

My grandparents are over 60 years old and I wanted to look for the best senior citizen health plan for them when PolicyX introduced me to Star Red Carper Health policy

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Ashima

Amritsar

April 8, 2024

I was skeptical about investing in a family health plan thinking the coverage features will not be enough but Star comprehensive health plan proved me wrong, thank you policyX for finding the b...

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Shikha Bajaj

Gurgaon

April 8, 2024

I have been associated with Star Health Insurance for over 3 years now and have had a smooth insurance experience

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Kanupriya

Rajkot

April 8, 2024

I liked how my Star health insurance provides health check-ups, hospitalization, accidental cover, and so on at an affordable rate. Thank you PolicyX for encouraging me to buy it.

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Neha Sukheja

Indore

April 8, 2024

I got treated with Angioplasty surgery and I’m thankful that the Star Comprehensive plan covered my treatment expenses and saved my hard-earned money.

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Vaidehi Kanaujia

Indore

April 8, 2024

I have been insured with a Star Health Assure policy that I bought at the suggestion of PolicyX’s agent. I got my claims settled two times in a year and I highly recommend this policy.

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