Star Health Insurance for Parents
  • No medical examinations
  • High sum insured
  • Daycare procedures
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Star Health Insurance for Parents

Turning sixty is a major milestone for a person. It is time to become more careful about one’s health. Any kind of illness can bring in a lot of anxiety and mental stress in the family. Besides, if your parents have just entered the second innings of life, buying health insurance for your parents can be the best decision you can make for them. So, not to worry anymore, STAR Health Insurance Company has come up with Star Senior Citizens Red Carpet Health Insurance Policy specifically aimed at your parents. It provides cover to anyone from the age of 60 and permits entry right up to the age of 75 with continuing cover thereafter till lifetime.

Star Health Insurance for Senior Citizens is exclusively designed for senior citizens or parents who want to meet high medical costs by paying a yearly premium. Star Health insurance for parents can come to your aid during a medical emergency. Star Senior citizen health insurance plans are specially designed to cover people aged over 60 years. Available on an individual or family floater basis, these plans offer utmost protection to your parents in their old age.

Star Health Insurance for Parents Eligibility Criteria

Entry Age

Minimum: 60 Years

Maximum Age

75 Years

Plan Type

Individual / Family Floater

Policy Term

1 / 2 / 3 year

Sum Insured

1 L | 2 L | 3 L | 4 L | 5 L | 7.5 L | 10 L | 15 L | 20 L | 25 L

Initial Waiting Period*

30 Days

  • The policy offers lifelong renewal to individuals who enter into the policy within a specified age gap.
  • No pre-insurance medical examination is required to buy Star Health Insurance for senior citizens.

Key features of Star Red Carpet Health Insurance Policy for Parents

Unlike most other plans, star health insurance policy does not require medical screening before buying the policy. Here are few more important features of the Star Health Insurance senior citizens policy:

  • The Star Health Insurance Policy for parents has a cooling off period of 30 days for all claims, except claims arising due to accidental injuries.
  • The star red carpet health insurance policy covers expense specific daycare procedures that would otherwise require hospitalization for a minimum of 24 hours.
  • Post hospitalization expenses equivalent to 7% of the hospitalization expenses comprising nursing charges, surgeon/ consultant fees, diagnostic charges, medicines and drugs expenses are covered as subject to a maximum limit.
  • The Star Red Carpet Health Insurance policy covers certain specific diseases for 24 months. These include glaucoma, gallbladder, cataract and pancreatic diseases and treatments.
  • A person can raise a claim for pre-existing medical conditions, post 12 months from the policy start date.
  • No pre-acceptance medical testing or medical screening is required to buy Star Health Insurance for Parents (Star Health Senior Citizen Red Carpet Policy).

Health Insurance Companies

Key Benefits of Star Red Carpet Health Insurance for Parents

Star Health Insurance for senior citizens comes loaded with many benefits to provide all round protection to your parents. Let's have a look at the prominent benefits of the policy.

  • Star Health Insurance company will bear boarding, nursing and room expenses. Such expenses paid are equal to 1% of the sum assured, this limit varies based on the sum insured.
  • The term of Star Health Insurance for Senior Citizens/Parents is one year.
  • Star Red Carpet Health Insurance provides post-hospitalisation charges for consultation, medicines, surgery, drugs and diagnostics equivalent to 7%. However, it should be recommended by a medical practitioner. Up to 2% of the whole sum insured is provided for the ICU charges.
  • As per hospitalization, up to 25% of the total sum assured, the fees of the medical practitioner, consultation, surgeon, anesthetist and specialist are provided.
  • The charges of anesthesia, blood, pacemaker, oxygen, and operation theater are provided per hospitalization up to 50% of the total sum assured.
  • The Company covers ambulance charges up to Rs. 600 to Rs. 1500 per hospitalization. The cap limit for this benefit is Rs. 1200 to Rs. 3000 per policy term. This is based on the sum insured chosen by the policyholder.

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Other Value-added Benefits

Other than the benefits, the policy provides some extra services. Read along to know more.

  • Portability : The policyholder has an option of transferring the policy to another insurer after the waiting period. The policy allows you to do so without losing accrued benefits.
  • Income tax benefit : Customers can receive tax benefits for the premiums paid towards this health insurance for senior citizens under Section 80D of the Income Tax Act, 1961.
  • Enhancement of sum insured : You can apply for an increased sum insured at the time of policy renewal. However, the insurance company may consider the request, if there is no claim made during the policy term.
  • Free-look period : For any reason, if the customer decides not to proceed with Star Health Insurance for Senior Citizens, you can return the policy to the company. The company offers a free-look period of 15 days from the date of receipt of the policy document.

Star Health insurance Plans for Parents

The Star Health Insurance Company offers a comprehensive senior citizen plan with high coverage options and benefits that make the life of your parents chaos free. Let's have a look at the plan and its features.

A comprehensive senior citizen health insurance plan that offers nursing at home, AYUSH cover and personal health coach.

Unique Features

  • Guaranteed lifelong renewals
  • No pre-acceptance medical test
  • Installment facility

Inclusions of Star Health Insurance for Parents

Star Health Insurance for Parents is a popular choice amongst customers for senior citizen insurance needs. Let us take a glimpse into the company's scope of coverage that will help you to analyze the company. Star Health Insurance for senior citizens come with the following inclusions:

In-patient hospitalization cover

Post-hospitalization expenses

Out-patient medical consultations

Emergency ambulance charges

Daycare procedures

Pre-hospitalization expenses

Modern treatments

Exclusions of Star Health Insurance for Parents

Before going for Star Health Insurance Plan one must go through plan documents to check what is excluded under


Sexually transmitted diseases

Self-inflicted injuries

Depression and mental disorders

Treatment for the overdose of drug and alcohol consumption

Cosmetic and aesthetic treatments

Dental treatment or surgery

Change-of-gender treatment

Treatments necessitated due to participation in hazardous or adventure sports.

Congenital external condition/defects/anomalies

Explore Star Health Insurance for Parents

Know more about Star Health Insurance plans, claim process, buying process and contact details of the company by clicking on the sections below:

Claim Process

Click to know Star Health Insurance Claim Process.

Buying Process

Click to know Star Health Insurance Buying Process.

Contact Us

Feel free to contact Star Health Insurance for more details.

Renewal Process

Click to know Star Health Insurance Renewal Process.

Explore Other Star Health Insurance Plan

Know more about Star Health Insurance plans, claim process, buying process and contact details of the company by clicking on the sections below:

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

The plan is specially designed for those individuals who are willing to secure their old-age medical needs after their retirement.

Unique Features

  • Guaranteed Lifelong renewals
  • No Pre-acceptance Medical test
  • Availability of Instalment Facility

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

Unique Features

  • Health Checkup for Claim-Free Years.
  • Hospital Cash Benefit
  • 100% Automatic Restoration

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

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

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

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

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

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 Diabetes Safe Insurance Policy

Designed specifically for diabetic persons. Hospitalization related to diabetes and non-diabetic problems is covered under this plan.

Unique Features

  • 30 days waiting period
  • Automatic restoration of Sum Insured
  • Outpatient Expenses

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

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

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 up to 50% of SI
  • 20% rural discount available

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

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 Criticare Plus Insurance 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 for Medicine and drugs cost

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

Health Insurance Articles

Star Health Insurance for Parents : FAQs

1. Why is it important to buy health insurance for senior citizens?

Old age makes people more prone to diseases and illnesses. Though falling ill is evident with aging, a health insurance plan ensures that all medical expenses are taken care of without a hassle.

2. Any premium discount offered to senior citizens?

A discount of 10% for lifetime healthy individuals on producing medical reports & accepted by Star Health Insurance for Senior citizens. The proposer needs to produce the following documents:

  1. Stress Thallium Report
  2. BP Report
  3. Sugar (blood & urine)
  4. Blood urea & creatinine

3. Does a senior citizen need pre medical checkup for Senior Citizen Red Carpet Health Insurance Policy?

No, the star health comprehensive policy does not cover critical illnesses.Asking elderly people to visit multiple times to diagnose will not be appreciated. So, pre-insurance medical screening is not required for any sum insured opted by the person.

4. Does Star Health Insurance for senior citizens come with any sub-limits?

Yes, Star Senior Citizens Red Carpet Health Insurance comes with sub-limits for cataract surgery, major surgeries and a few other treatments.

5. Do Red Carpet Senior Citizens have room rent restrictions?

Yes, Red Carpet Senior Citizens only lets you stay in a room of which the rent does not exceed 1% of your sum insured. In case you opt for a room with a higher rent, you would have to pay a huge chunk, sharing the costs with your insurer.

What Our Customers Have to Say

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sandeep singh


January 12, 2023

Dnt buy any policy from Star health They are big fraud my father is admitted in hospital crucial stage they reject our claims without reason i will filled case against company in consumer court...

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Sanjay naraware


November 8, 2022

Sanjay nanaware here, first of all I appreciate Star Health for your punctuality, service, conversation and I really thanks to Mr.Sanchin pathavnkar who has suggest star health policy.

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June 2, 2022

Star health insurance company is one of the most trusted brands and my experience has been good with the insurer.

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Himanshu Gada


May 25, 2022

Star is a good company. I have bought 2 plans from this company. One for myself, and another for my parents. I am happy with both the plan. Thank you for helping me to find this gre...

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samarth wadhwa


March 14, 2022

Star is one of the topmost insurance companies and they prove it with their services and plans. They have plans for each family member of mine starting from my parents to my own family and even...

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rachana singh


February 24, 2022

I am star health s customers from last 5 months where i have got best customer service. They have a huge list of network hospitals which keeps me relaxed that i can get cashless treatment

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February 17, 2022

No doubt that why people recommended me this company. They are loyal towards their customers and help them in every possible way.

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Yash Sharma


January 18, 2022

Best comparison portal and best services given by and this company is growing in insurance web aggregator sector

Naval Goel

Reviewed By: Naval Goel

Naval Goel is the CEO & founder of Naval has an expertise in the insurance sector and has professional experience of more than a decade in the Industry and has worked in companies like AIG, New York doing valuation of insurance subsidiaries. He is also an Associate Member of the Indian Institute of Insurance, Pune. He has been authorized by IRDAI to act as a Principal Officer of Insurance Web Aggregator.