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

Claim settlement ratio

99.06%

premium

Sum insured

2 CR

premium

No. of Plans

21

premium

Solvency Ratio

1.7

premium

Pan India Presence

815

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

Claim settlement ratio

99.06%

premium

Sum insured

2 CR

premium

No. of Plans

21

premium

Solvency Ratio

1.7

premium

Pan India Presence

815

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 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

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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 Insurance Plan

To cater to the different medical needs of an individual & their family, Star Health offers several Health Plans. Along with Senior Citizen Red Carpet health plan, there are other plans to choose from. Take a look below to explore more:

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

Star Health Senior Citizens Red Carpet Policy

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

Senior Citizens Red Carpet Policy (Pros)

  • Individual & family floater plan
  • Flexible SI
  • Road Ambulance Cover
  • ICU cover
  • Health Check-up cover

Senior Citizens Red Carpet Policy (Cons)

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

Senior Citizens Red Carpet Policy (Other Benefits)

  • Flexible-Premium Payment
  • Cataract Treatment available
  • Modern treatment cover
  • No pre-policy checkup
  • OP Consultation

Senior Citizens Red Carpet Policy (Eligibility Criteria)

  • Entry Age - 60 Years
  • Max Entry Age - 75 Years
  • SI - 1 L to 25 L
  • Waiting Period - 30 Days

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

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

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

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

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

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 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

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

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

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

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

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

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

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

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

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

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.

Customer Review Image

hiendraptl

Vadodara

August 9, 2023

i have calim register in 20.7.23 for some of query by resolve it. but last one letter rejection for missprtaiton for agr rejected calim - but can not be any advise what to do - in the star hea...

Customer Review Image

Ranjan Kumar Verma

Patna

March 5, 2023

मैने 2016 में PolicyX.Com से Health Insurance Online Purchase किया था। अभी 2021 से मैं STAR HEALTH का Policy continue किया हूà¤à...

Customer Review Image

sandeep singh

Chandigarh

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...

Customer Review Image

Sanjay naraware

Pune

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.

Customer Review Image

Ritesh

Delhi

June 2, 2022

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

Customer Review Image

Himanshu Gada

Delhi

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 PolicyX.com for helping me to find this gre...

Customer Review Image

samarth wadhwa

Guwahati

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...

Customer Review Image

rachana singh

Ahmedabad

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

View All Star Health Insurance Reviews

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