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Star Senior Citizen Red Carpet Plan
Star Health Insurance
Star Senior Citizen Red Carpet
Designed to secure the health of senior citizens in their second innin ...Read More
Up to 1 Cr
Sum insured
1
No. of plans
850+
Pan India presence
99.06%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,761 reviews
🏥 14,000+ hospitals
📊 2.21 solvency ratio
✅ 99.06% claim settlement
About Star Senior Citizen Red Carpet
A quick read on what this Star Health Insurance plan covers and why it might be a fit for you.
A comprehensive 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 numerous benefits such as coverage for modern treatments, in-patient hospitalization, and day care procedures. Available on an individual and family floater basis, Star Health Insurance for Senior Citizens comes with a lifetime renewability option, providing lifelong support for medical expenses.
Plan at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
60 to 75 years
Plan type
Senior Citizen Health Insurance
Sum insured options
₹1 L, ₹2 L, ₹3 L, ₹4 L, ₹5 L, ₹7 L, ₹10 L, ₹15 L, ₹20 L, ₹25 L
Waiting period
30 days
Renewability
Lifetime
Policy term
1,2,3 Years
*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.
Pros & cons
A quick honest summary — the strengths and the trade-offs.
Pros
- Individual & family floater plan
- Flexible SI
- Road Ambulance Cover
- ICU cover
- Health Check-up cover
Cons
- Obesity Treatment Unavailable
- Hazardous Activity Not Covered
- HIV/AIDS Not Covered
- Cosmetic Surgery Unavailable
- Congenital Disease Not Covered
What's covered
Every CMS-driven coverage flag from the plan wording — only items with a published value render below.
Hospitalization
- Room rent Covered
- ICU charges Covered
- Pre-hospitalization Covered
- Post-hospitalization Covered
- Domiciliary hospitalization Not covered
- Day-care treatment Covered
- OPD charges Covered
- Covid-19 treatment Covered
- Cataract Covered
Bonuses & restoration
- No-claim bonus Not covered
- Automatic restoration of SI Not covered
- Daily hospital cash Not covered
Family & special care
- Maternity cover Not covered
- New-born baby cover Not covered
- IVF treatment Not covered
- AYUSH treatment Covered
- Organ donor expenses Not covered
Modern & preventive care
- Modern treatment Covered
- Road ambulance Covered
- Air ambulance Covered
- E-consultation Not covered
- Health check-up Covered
- Second medical opinion Covered
- Vaccination Not covered
Conditions & global
- Co-payment Applicable
- Sub-limits Applicable
- Compassionate travel Covered
- Global coverage Not covered
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.
Star Health Senior Citizen Red Carpet Plan
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.
Inclusions & exclusions
What the plan pays for, and what it doesn't.
Exclusions
- Star Health Insurance for Senior Citizens has certain treatments, procedures, or diseases that are not covered by the company. Below are the criteria excluded from the plan’s coverage:
- Permanent diseases or health conditions not covered under the Star Health Red Carpet plan include:
- Intentional self-injury
- Mental illness
- Cosmetic & aesthetic treatment
- Congenital disease
- Dental surgery
- AIDS
- Unproven treatments
- Hospitalization due to war, riot, strike, and nuclear weapons.
- Certain diseases and treatments are covered under the Star Health Senior Citizen Red Carpet after a specified waiting period. Details are below:
- Specified ailments after 24 Months
- Pre-existing diseases after 12 Months
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Entry Age: - 60 Years
- Max Entry Age: - 75 Years
- SI: - 1 L to 25 L
- Waiting Period: - 30 Days
Other features & benefits
- Flexible Premium Payment
- Cataract Treatment Available
- Modern Treatment Cover
- No Pre-Policy Medical Check-up
- OPD Consultation
Star Senior Citizens Red Carpet Plan: FAQs
The 10 most-asked questions about Star Senior Citizen Red Carpet, answered.
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.
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%
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
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.
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.
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.
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.
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).
Yes, the policy covers pre-and post-hospitalization charges.
The pre-existing diseases are covered under this policy second year onwards.
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Written and reviewed by
PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.
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