Star Health Insurance

Senior Citizen Red Carpet Plan

  • Comprehensive Coverage Up to 25 Lakhs
  • Fast Claim Settlement Process
  • Get Coverage for Pre-existing Disease
  • Medical consultation Outside Country
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(eldest member)


Star Senior Citizen Red Carpet Plan

Do you fall into the category of a senior citizen? Don’t forget seniority comes with lots of responsibilities and duties towards your family and health. The age of sixty is not only the age of retirement but also the age of devoting utmost attention to your health.

At 60s everyone witnesses a shrinkage in the body immune system to combat diseases and injuries. Due to this concern, Star Health composed Senior Citizen Red Carpet health insurance policy. This will ensure continued financial support to the senior citizen at the time of hospitalization for any pre-existing ailments or accidents.

Eligibility Criteria

Minimum Age of Entry 60 years
Maximum Age of Entry 75 years
Sum Insured Amount (in lakhs) For individual: 1/ 2/ 3/ 4/ 5/ 7.5/ 10/ 15/ 20/ 25 lakhs For family floater plan: 10/ 15/ 20/ 25 lakhs
Numbers of members included 2 adults maximum (self and spouse)
Period of the Policy 1/2/3 years
Pre-policy Medical screening Not required (if you submit your health reports by self, you will receive a discount of 10% on premium)
Co-payments (sharing claim amount with the company) 30% to 50% of the admissible claim
Renewability Lifelong renewability

Coverage Offered

Sum insured 1L/ 2L 3 lakhs 4 lakhs 5 lakhs 7.5 lakhs 10 lakhs 15 lakhs 20 lakhs 25 lakhs
Room, nursing, Boarding charges Up to 1% sum insured Up to 1% sum insured Up to 1% sum insured Up to 1% sum insured Up to 6,000 Up to 6,000 Up to 7,000 Up to 8,500 Up to 10,000
ICU charges Up to 2% of the sum insured Actual amount of expenses
Fees of Surgeon/Consultant/Anaesthetist 25% of the sum insured per hospitalization
Operation Theatre Expenses/ Dialysis/Medicines/Anaesthesia Up to 50% of the sum insured for each hospitalization
Pre-Hospitalization Covered for 30 days prior to hospitalization for a listed ailment
Post-Hospitalization Up to Rs 5,000 per occurrence Up to Rs 7,000 per occurrence Up to Rs 10,000 per occurrence
Day Care Procedures Covers all the daycare procedures requiring less than 24 hours
Ambulance Cover (transportation to nearby hospitals in emergencies) Rs 1,200 in a policy period
(600 per hospitalization)
Rs 2,000 in a policy period (1,000 per hospitalization) Rs 3,000 for a policy period (1,500 per hospitalization)
Health CheckUps (for each policy period) Not applicable Individual plan: Rs 1,000 Family floater: Not available Individual plan: Rs 1,000 Family floater: Rs 3,000 Individual plan: Rs 2,500 Family floater: Rs 4,500
Pre-existing Diseases Covered after 12 months starting from the policy inception date
Outpatient Consultation Not applicable Individual: Rs 600 Family floater: Not available Individual Rs 800 Family floater: Not available Individual: Rs 1,000 Family floater: Not available Individual: Rs 1,200 Family floater: Not available Individual: Rs 1,400 Family floater: Rs 2,400 Individual: Rs 1,800 Family floater: Rs 3,000 Individual: Rs 2,200 Family floater: Rs 3,800 Individual: Rs 2,600 Family floater: Rs 4,400


  • Congenital defects/ illness/ anomalies
  • Self-destruction activities like suicide, intake of poison, alcohol, tobacco or any hallucinogenic substance
  • Sexually transferred diseases like HIV/AIDS or venereal diseases.
  • Injuries sustained due to involvement in nuclear weapons/ radioactivities
  • Treatment for miscarriage/abortion/ childbirth/ sub-fertility
  • Plastic or cosmetic surgery/ change of sex/ obesity treatment
  • Dental treatment (occurred not due to accidents), Lasik laser/eye correction, hearing aid expenses.


1. Tax Benefits: Get tax deduction under section 80D of Income Tax act 1961 by paying the premium online while replacing the idea of cash payment.

2. Quick Claim Settlement: The company settle claims directly without the indulgence of the third party.

3. Cashless Hospitalization: Star health insurance company provide cashless treatment at 8800+ network hospitals located all around India.

4. Discounts:The insured will get 5% discount for online purchase of the policy and a 10% discount on premium paid if pre-policy medical checkup reports are submitted.

Premium Illustration

Given below are the premium rates against various sum insured for an individual as well as the family floater.

For Individuals:

Amount of the sum insured Term of the Policy
1 year 2 year 3 year
1 lakhs 4,450 8,610 12,710
2 lakhs 8,456 16,360 24,155
3 lakhs 12,900 24,960 36,845
4 lakhs 15,501 29,990 44,275
5 lakhs 18,000 34,825 51,410
7.5 lakhs 21,000 40,630 59,980
10 lakhs 22,500 43,530 64,265
15 lakhs 29,205 56,500 83,415
20 lakhs 32,710 63,285 93,425
25 lakhs 35,985 69,620 102,780

For Family Floater( maximum of 2 adults):

Amount of Sum insured 1 year 2 year 3 year
10 lakhs 38,250 74,000 109,245
15 lakhs 49,650 96,055 141,805
20 lakhs 55,610 107,585 158,830
25 lakhs 61,175 118,350 174,720

NOTE: The premiums mentioned above is before the addition of tax.


1. What is the notification period to make a claim?

The company must be informed within 24 hours after the insured has been admitted to the hospital which is only applicable to emergency hospitalization.
For planned hospitalization, the insured must share the information within 24 hours before the actual hospitalization.

2. Can we cancel the policy if we don’t like any of the clauses?

Yes, the insured will be given 15 days of time to evaluate all the terms and conditions where he/she has the provision to cancel the policy under 15 days of free look period.

3. Do we get refunds on cancellation of policy?

The company surely provide you refund based on the number of months or years the policy has remained active.

Period of policy remained Refund Percentage of Premium
1 year 2 year 3 year
Up to 1 months 75% of the premium paid 80% of the premium paid 82.5% of the premium paid
Up to 3 months 60% of the premium paid 70% of the premium paid 77.5% of the premium paid
Up to 6 months 40% of the premium paid 60% of the premium paid 70% of the premium paid
Up to 9 months 20% of the premium paid 50% of the premium paid 62.5% of the premium paid
Up to 12 months Not refunded 40% of the premium paid 55% of the premium paid
Up to 15 months 30% of the premium paid 47.5% of the premium paid
Up to 18 months 20% of the premium paid 42.5% of the premium paid
Up to 21 months 10% of the premium paid 35% of the premium paid
Up to 24 months Not refunded 27.5% of the premium paid
Up to 27 months 20% of the premium paid
Up to 30 months 12.5% of the premium paid
Up to 33 months 5% of the premium paid
More than 33 months Not refunded

4. What percentage of the claim amount does the insured need to pay or share with insurance provider?

Senior Citizen Red Carpet policy includes copayments where the insurer is liable to pay some amount of claim made by himself.

  • For Pre-existing Disease (PED) claim- 50% of each admissible claim if the sum insured lies between 1 lakhs to 10 lakhs and 30% if the sum insured is between 15 lakhs to 25 lakhs.
  • For Non-PED claim- 30% of each admissible claim, if the sum insured lies between 1 lakhs to 25 lakhs.

5. Are there any sub-limits for the treatment of cardiac diseases/surgeries/cataract/Hernia etc?

Yes, there is a presence of sublimits for particular diseases which are listed in the table-

Sum insured values Cataract Cerebrovascular Accident, Cardiovascular Diseases, Cancer (Including Chemotherapy / Radiotherapy) Medical Renal Diseases (Including Dialysis) Treatment of Breakage of Long Bones All other major surgeries
Individual Family Floater(per policy period) Individual Family Floater(per policy period) Individual Family Floater(per policy period)
1 lakhs 15,000 - 75,000 - 60,000 -
2 lakhs 15,000 - 1,50,000 - 1,20,000 -
3 lakhs 18,000 - 2,00,000 - 1,50,000 -
4 lakhs 20,000 - 2,25,000 - 2,00,000 -
5 lakhs 21,500 - 2,75,000 - 2,25,000 -
7.5 lakhs 23,000 - 3,00,000 - 2,50,000 -
10 lakhs 25,000
45,000 3,50,000 6,00,000 2,75,000 4,50,000
15 lakhs 30,000
50,000 4,00,000 7,00,000 3,00,000 5,00,000
20 lakhs 35,000 60,000 4,50,000 7,50,000 3,25,000 5,50,000
25 lakhs 40,000 70,000 5,00,000 8,50,000 3,50,000 6,00,000

NOTE: The company will only pay the claims which are under the sublimit.

6. What illnesses are covered after a waiting period of 24 months?

Some of the diseases are-

  • Cataract, thyroid, breast disease, ENT
  • Hernia (all kinds)
  • Fistula, fissure in Anus, hemorrhoids, stress incontinence and other related illness
  • Disease-linked to Cervix, Fallopian Tube, ovaries, uterus etc
  • Vertebral & degenerative diseases
  • Transplants & related surgeries
  • Umbilical Sinus & granuloma, ligament tumor etc

The policyholders are requested to read policy wording to get a complete list of diseases covered.

7. Do the insurer gives extra time after the policy renewal date has been expired?

The insurer will provide a grace period of 30 days after the date of expiry under which the policyholder has to submit the premium amount in order to renew the existing policy.

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