Star Health for Senior Citizens
  • No medical examinations
  • High sum insured
  • Daycare procedures
Star Health for Senior Citizens
Network hospitals

Network hospitals

14000+

Incurred claim ratio

Incurred claim ratio

65%

Sum insured

Sum insured

Up to 1 Cr

No. of Plans

No. of Plans

1

Solvency Ratio

Solvency Ratio

2.0

Pan India Presence

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

Star Health for Senior Citizens

Star Health Insurance for Senior Citizens is exclusively designed for senior citizens who want to meet high medical costs by paying a yearly premium. Besides, if you are someone who has just entered the second innings of life this can be the best option for you. Star Health insurance for senior citizens can come to your aid during a medical emergency. Ideally, you should invest in the Star Senior Citizens health plan as early as possible, so that your senior citizen parents can avail health benefits in the later stage of life.

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 elderly people in their old age.

Star Health Insurance Detailed Review

Star Health for Senior Citizens

Star Health for Senior Citizens Specifications

To understand Star Health for Senior Citizens Insurance in detail, take a look at the below table:

Entry Age

60 Years to 75 Years

Policy Type

Senior Citizen Health Insurance

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

Renewability

NA

Policy Term

1 / 2 / 3 year

*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.

Key features of Star Health Insurance for Senior Citizens

Here are some of the most important features of the Star Health Insurance senior citizens policy:

  • The star 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 senior citizen policy covers certain specific diseases for 24 months. These include glaucoma, gallbladder, cataract and pancreatic diseases and treatments.
  • The Star Health Insurance for senior citizens comes with a cooling off period of 30 days for all claims, except for the claims that arise due to accidental injuries.
  • 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 senior citizens (Star Health Senior Citizen Red Carpet Policy).

Benefits of Star Health Insurance for Senior Citizens

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 is one year.
  • Star Health Insurance for senior citizens 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 health 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.

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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 of Star Health Insurance for Senior Citizens

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 Senior Citizens

The following coverage is excluded under Star Health Insurance for senior citizens:

HIV AIDS

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 other Star Health Insurance

To cater to the different medical needs of an individual & their family, Star Health Insurance 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 Star Health Insurance plans explore more:

Critical Illness Health Insurance

Star Health Diabetes Safe Health Insurance Plan is a unique plan designed to offer coverage to individuals with diabetes both Type 1 and type 2. The p...

Unique Features

  • Diabetes Cover
  • High Sum Insured
  • OPD Cover

Star Diabetes Safe Insurance Policy (Pros)

Star Diabetes Safe Insurance Policy
  • Road Ambulance Cover
  • Pre and Post Hospitalization
  • ICU Cover
  • Room Rent Cover
  • Day Care Treatment Cover

Star Diabetes Safe Insurance Policy (Cons)

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

Star Diabetes Safe Insurance Policy (Other Benefits)

Star Diabetes Safe Insurance Policy
  • Dialysis Cover
  • Kidney Transplant Cover
  • Artificial Limbs Cover
  • Personal Accident Cover
  • OPD Cover

Star Diabetes Safe Insurance Policy (Eligibility Criteria)

Star Diabetes Safe Insurance Policy
  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 3 L to 10 L
  • Waiting Period - 30 Days

Senior Citizen Health Insurance

Star Health Premier Insurance Policy is a unique health plan designed to cover individuals who are 50 years and above with no maximum entry age limit....

Unique Features

  • Avail Health Rewards
  • SI Upto 1 Crore
  • Pain Management

Star Health Premier Policy (Pros)

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

Star Health Premier Policy (Cons)

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

Star Health Premier Policy (Other Benefits)

Star Health Premier Policy
  • Hospice Care
  • Pain Management
  • AYUSH Treatment
  • Modern Treatment
  • 100% Cumulative Bonus

Star Health Premier Policy (Eligibility Criteria)

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

Critical Illness Health Insurance

Star Cancer Care Platinum Insurance Policy is designed to cater to cancer patients. The plan helps the insured individual's family to be financially p...

Unique Features

  • SI Upto 10 L
  • Hospice Care
  • Pain Management

Star Cancer Care Platinum Insurance Policy (Pros)

Star Cancer Care Platinum Insurance Policy
  • Cataract Cover
  • No pre-medical check-up
  • Lump Sum Cover
  • 50% Cumulative Bonus
  • Hospice Care

Star Cancer Care Platinum Insurance Policy (Cons)

Star Cancer Care Platinum Insurance Policy
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Injuries due to breach of law

Star Cancer Care Platinum Insurance Policy (Other Benefits)

Star Cancer Care Platinum Insurance Policy
  • Second Medical Opinion
  • Rehabilitation Cover
  • Pain Management
  • Day Care Treatment
  • Modern Treatment Cover

Star Cancer Care Platinum Insurance Policy (Eligibility Criteria)

Star Cancer Care Platinum Insurance Policy
  • Entry Age - 5 Months
  • Max Entry Age - 65 Years
  • SI - 5 L to 10 L
  • Waiting Period - 30 Days

Critical Illness Health Insurance

Star Critical Illness Multipay Insurance Policy is designed to cater to individuals by providing them with a lump sum coverage on the diagnosis of any...

Unique Features

  • Wellness Benefit
  • Cancer Cover
  • Heart Cover

Star Critical Illness Multipay (Pros)

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

Star Critical Illness Multipay (Cons)

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

Star Critical Illness Multipay (Other Benefits)

Star Critical Illness Multipay
  • Open Chest CABG
  • Heart Transplantation
  • Coma of Specified Severity
  • Wellness Programs
  • Major Head Trauma

Star Critical Illness Multipay (Eligibility Criteria)

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

Individual and Family Health Insurance

Star Hospital Cash Insurance Policy is designed to provide insured individuals with additional protection and takes care of incidental expenses such a...

Unique Features

  • Accident Hospital Cash
  • ICU Hospital Cash
  • Daycare Treatment

Star Hospital Cash Policy (Pros)

Star Hospital Cash Policy
  • 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)

Star Hospital Cash Policy
  • 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)

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

Star Hospital Cash Policy (Eligibility Criteria)

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

Critical Illness Health Insurance

Ms. Aneesha, a 53-year-old working woman residing in Indore requires heart transplant surgery due to multiple cardiac ailments. However, since Ms. Ane...

Unique Features

  • Explore Star Cardiac Care
  • Benefits & Features
  • Eligibility Criteria

Star Cardiac Care Platinum (Pros)

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

Star Cardiac Care Platinum (Cons)

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

Star Cardiac Care Platinum (Other Benefits)

Star Cardiac Care Platinum
  • Wellness Services
  • Angiogram Test
  • Modern Treatments
  • Pain Management
  • Health Check-ups

Star Cardiac Care Platinum (Eligibility Criteria)

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

Individual and Family Health Insurance

A unique health insurance plan designed by Star Health Insurance to provide medical coverage to individuals with disabilities and HIV/AIDS. Star Speci...

Unique Features

  • Disability Cover
  • HIV/AIDS Cover
  • Waiver Of Co-Pay Available

Star Health Special Care Gold Plan (Pros)

Star Health Special Care Gold Plan
  • Modern Treatment Available
  • Day Care Procedures Available
  • Ambulance cover
  • Room rent cover
  • Shared Accommodation cover

Star Health Special Care Gold Plan (Cons)

Star Health Special Care Gold Plan
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Pre-existing Diseases

Star Health Special Care Gold Plan (Other Benefits)

Star Health Special Care Gold Plan
  • Treatment of Seizures
  • Behavioral Therapy Cover
  • Speech Therapy Cover
  • Occupational Therapy Cover
  • Adeno Tonsillectomy

Star Health Special Care Gold Plan (Eligibility Criteria)

Star Health Special Care Gold Plan
  • Entry Age - 3 Years
  • Max Entry Age - 25 Years
  • SI - 3 L
  • Waiting Period - 30 Days

Top Up and Super Top Up

Star Extra Protect insurance plan is an add-on cover under Star Health Insurance that enhances the limitations imposed on your existing base policy. Y...

Unique Features

  • Base policy coverage enhancer
  • Extended family coverage
  • Claim guard for the base policy

Star Extra Protect Plan (Pros)

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

Star Extra Protect Plan (Cons)

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

Star Extra Protect Plan (Other Benefits)

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

Star Extra Protect Plan (Eligibility Criteria)

Star Extra Protect Plan
  • 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

Individual and Family Health Insurance

Star Smart Health Pro policy is a newly launched digital plan by Star Health Insurance for customers who want a truly customizable health insurance pl...

Unique Features

  • Automatic Restoration Benefit
  • Air Ambulance Cover
  • Star Wellness Program

Star Smart Health Pro Plan (Pros)

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

Star Smart Health Pro Plan (Cons)

Star Smart Health Pro Plan
  • Adventure Sports Injuries
  • AIDS not covered
  • Injuries due to Illegal activities
  • No IVF Treatment
  • Obesity Not Covered

Star Smart Health Pro Plan (Other Benefits)

Star Smart Health Pro Plan
  • Multiple Discounts Available
  • Family Health Cover
  • Daycare Treatments
  • Air Ambulance
  • Domiciliary Hospitalization

Star Smart Health Pro Plan (Eligibility Criteria)

Star Smart Health Pro Plan
  • Entry Age: 18 Years
  • Maximum Entry Age: 50 Years
  • SI - 5 L to 1 Crore
  • Waiting Period - 30 Days

Individual and Family Health Insurance

Get comprehensive coverage at affordable premiums. Star Comprehensive insurance policy is a complete health insurance plan that looks after all the he...

Unique Features

  • No-Pre acceptance required
  • Get coverage up to 1 Crore
  • Midterm inclusion at additional premiums

Comprehensive Plan (Pros)

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

Comprehensive Plan (Cons)

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

Comprehensive Plan (Other Benefits)

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

Comprehensive Plan (Eligibility Criteria)

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

Individual and Family Health Insurance

Medi classic insurance policy provides cover for hospitalization expenses incurred as a result of illness/disease/sickness and/or accidental injuries ...

Unique Features

  • Secured hospitalization
  • Road accident protection
  • Comes in 2 variants

Medi Classic Insurance Policy (Pros)

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

Medi Classic Insurance Policy (Cons)

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

Medi Classic Insurance Policy (Other Benefits)

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

Medi Classic Insurance Policy (Eligibility Criteria)

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

Individual and Family Health Insurance

Gift yourself the Star Women Care Insurance Policy, because we all know your responsibilities are endless and you need the best health to face them wi...

Unique Features

  • Maternity Benefits
  • Preventive Health Check Up
  • Coverage for Modern Treatments

Star Women Care Policy (Pros)

Star Women Care Policy
  • Designed for Women& 039;s Care
  • Cancer cover optional
  • Bariatric Surgery Cover
  • Mid-term inclusions
  • High SI

Star Women Care Policy (Cons)

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

Star Women Care Policy (Other Benefits)

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

Star Women Care Policy (Eligibility Criteria)

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

Individual and Family Health Insurance

Young Star Extra Protect add-on cover policy is applicable for the Young Star insurance policy and acts as an enhancer for the benefits of the base in...

Unique Features

  • Base policy cover enhancer
  • Claim guard facility
  • AYUSH Coverage

Young Star Extra Protect Policy (Pros)

Young Star Extra Protect Policy
  • 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 Policy (Cons)

Young Star Extra Protect Policy
  • 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 Policy (Other Benefits)

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

Young Star Extra Protect Policy (Eligibility Criteria)

Young Star Extra Protect Policy
  • 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

Top Up and Super Top Up

A top-up plan for added coverage at affordable costs Star Super Surplus Insurance Policy is a top-up health insurance plan offering surplus coverage a...

Unique Features

  • No pre-acceptance screening required
  • Coverage for maternity expenses
  • Up to 1 crore cover at affordable rates

Star Health Super Surplus Policy (Pros)

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

Star Health Super Surplus Policy (Cons)

Star Health Super Surplus Policy
  • Includes Deductibles
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Congenital Disease Cover

Star Health Super Surplus Policy (Other Benefits)

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

Star Health Super Surplus Policy (Eligibility Criteria)

Star Health Super Surplus Policy
  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 5 L to 1 Cr
  • Waiting Period - 30 Days

Critical Illness Health Insurance

Medical insurance designed specially for heart patients. Star Health Cardiac Care Health Insurance plan is the perfect medical policy for individuals ...

Unique Features

  • Tailored Plan for Cardiac Patients
  • Coverage for Cardiac and Non-cardiac ailments
  • No Pre-acceptance checkup required

Star Cardiac Care (Pros)

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

Star Cardiac Care (Cons)

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

Star Cardiac Care (Other Benefits)

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

Star Cardiac Care (Eligibility Criteria)

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

Individual and Family Health Insurance

Star micro rural and farmers care is an individual and family floater plan with a sum insured of 1L and 2L respectively for individual and family floa...

Unique Features

  • Understanding the Need of Micro Rural
  • Sample Rates of Premium
  • Check the Eligibility Criteria of the Plan

Rural Micro Health Policy (Pros)

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

Rural Micro Health Policy (Cons)

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

Rural Micro Health Policy (Other Benefits)

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

Rural Micro Health Policy (Eligibility Criteria)

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

Individual and Family Health Insurance

A supersaver policy covering every family member. Star Family Health Optima is a strategically priced family health insurance plan. It offers comprehe...

Unique Features

  • Get coverage for the whole family
  • Additional SI for Road Traffic Accident
  • Coverage for Compassionate Travel

Star Family Health Optima (Pros)

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

Star Family Health Optima (Cons)

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

Star Family Health Optima (Other Benefits)

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

Star Family Health Optima (Eligibility Criteria)

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

Senior Citizen Health Insurance

Perfect plan to secure your old age from medical expenses. Star Senior Citizens Red Carpet Health Insurance Plan is designed to cater to the healthcar...

Unique Features

  • Guaranteed lifetime renewal
  • No pre-medical check-up required
  • Coverage up to 25L for individuals & families

Senior Citizen Red Carpet (Pros)

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

Senior Citizen Red Carpet (Cons)

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

Senior Citizen Red Carpet (Other Benefits)

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

Senior Citizen Red Carpet (Eligibility Criteria)

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

Critical Illness Health Insurance

Star Health has introduced Star Novel Coronavirus (nCoV) (COVID-19) Insurance policy. The policy provides coverage for the expenses incurred during th...

Unique Features

  • Explore the Key Features of the Plan
  • Check the Eligibility Criteria
  • How to Buy the Policy Online?

Star Novel Coronavirus (nCoV) (Pros)

Star Novel Coronavirus (nCoV)
  • Lumpsum payout on COVID-19 diagnosis
  • Short waiting period
  • No medical checkup required

Star Novel Coronavirus (nCoV) (Cons)

Star Novel Coronavirus (nCoV)
  • Global coverage NA
  • No other diseases covered except COVID-19
  • Self-inflicted injuries not covered

Star Novel Coronavirus (nCoV) (Other Benefits)

Star Novel Coronavirus (nCoV)
  • High SI options available
  • Tax benefit
  • Free-look period available

Star Novel Coronavirus (nCoV) (Eligibility Criteria)

Star Novel Coronavirus (nCoV)
  • Min. Entry Age: 18
  • Max. Entry Age: 65
  • SI: 21000 and 42000
  • Policy Term: 1 Year

Individual and Family Health Insurance

Young Star Insurance Policy is tailor-made for youngsters up to 40 years. This plan is available on an individual and family floater basis with two va...

Unique Features

  • No capping on room rent
  • No pre-acceptance checkup required
  • Pay premium in installments

Young Star Policy (Pros)

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

Young Star Policy (Cons)

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

Young Star Policy (Other Benefits)

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

Young Star Policy (Eligibility Criteria)

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

Individual and Family Health Insurance

Star Health Arogya Sanjeevani is a Health Insurance that safeguards you and your family from the financial burden and stress during hospitalization. A...

Unique Features

  • Comprehensive plan
  • Affordable premiums
  • Include loved ones

Arogya Sanjeevani (Pros)

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

Arogya Sanjeevani (Cons)

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

Arogya Sanjeevani (Other Benefits)

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

Arogya Sanjeevani (Eligibility Criteria)

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

Individual and Family Health Insurance

Star Health Gain Insurance Policy offered by Star Health is a medical insurance policy which is designed specifically to provide the best possible med...

Unique Features

  • Family coverage
  • Multiple sum insured
  • Save tax

Star Health Gain Insurance Policy (Pros)

Star Health Gain Insurance Policy
  • Day Care Procedures Covered
  • Road Ambulance Available
  • Modern Treatments Available
  • Outpatient Benefit

Star Health Gain Insurance Policy (Cons)

Star Health Gain Insurance Policy
  • 20% Co-payment
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Star Health Gain Insurance Policy (Other Benefits)

Star Health Gain Insurance Policy
  • Up to 60k Cataract cover
  • Room Rent Cover
  • ICU Cover
  • Wide SI options
  • Flexible Premiums

Star Health Gain Insurance Policy (Eligibility Criteria)

Star Health Gain Insurance Policy
  • Entry Age - 91 Days
  • Max Entry Age - 65 Years
  • SI - 1 L to 5 L
  • Waiting Period - 30 Days

Senior Citizen Health Insurance

Star Health Insurance for Senior Citizens is exclusively designed for senior citizens who want to meet high medical costs by paying a yearly premium....

Unique Features

  • No medical examinations
  • High sum insured
  • Daycare procedures

Star Health for Senior Citizens (Pros)

Star Health for Senior Citizens

Star Health for Senior Citizens (Cons)

Star Health for Senior Citizens

Star Health for Senior Citizens (Other Benefits)

Star Health for Senior Citizens

Star Health for Senior Citizens (Eligibility Criteria)

Star Health for Senior Citizens

Individual and Family Health Insurance

Star Health Insurance plans for a family are a golden investment when it comes to securing the future of your loved ones. Star family plans are design...

Unique Features

  • Avail maternity cover
  • Care Beyond Coverage
  • Avail Mid-term Inclusions

Star Health Insurance for Family (Pros)

Star Health Insurance for Family

Star Health Insurance for Family (Cons)

Star Health Insurance for Family

Star Health Insurance for Family (Other Benefits)

Star Health Insurance for Family

Star Health Insurance for Family (Eligibility Criteria)

Star Health Insurance for Family

Individual and Family Health Insurance

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 anxie...

Unique Features

  • No medical examinations
  • High sum insured
  • Daycare procedures

Star Health Insurance for Parents (Pros)

Star Health Insurance for Parents

Star Health Insurance for Parents (Cons)

Star Health Insurance for Parents

Star Health Insurance for Parents (Other Benefits)

Star Health Insurance for Parents

Star Health Insurance for Parents (Eligibility Criteria)

Star Health Insurance for Parents

Critical Illness Health Insurance

It is good to be prepared by having a health insurance policy that will take care of the medical and other expenses in case of illness. But, then the ...

Unique Features

  • Lumpsum payout
  • Accidental hospitalization cover
  • Non-allopathic treatments cover

Star Health Critical Illness (Pros)

Star Health Critical Illness

Star Health Critical Illness (Cons)

Star Health Critical Illness

Star Health Critical Illness (Other Benefits)

Star Health Critical Illness

Star Health Critical Illness (Eligibility Criteria)

Star Health Critical Illness

Individual and Family Health Insurance

Motherhood is a rewarding and fulfilling journey, it marks the start of a very important and exciting chapter in your life, but it also comes with its...

Unique Features

  • Lifetime Renewal
  • Newborn’s Immunizations
  • Pediatrician Consultation

Star Insurance for Maternity (Pros)

Star Insurance for Maternity

Star Insurance for Maternity (Cons)

Star Insurance for Maternity

Star Insurance for Maternity (Other Benefits)

Star Insurance for Maternity

Star Insurance for Maternity (Eligibility Criteria)

Star Insurance for Maternity

Accident Health Insurance

Star Health Accident Policy provides optimal care and cover in case of any unfortunate accidents. Accidents are an uninvited inconvenience in any indi...

Unique Features

  • Education Grant Available
  • Avail Home Care
  • Multiple discount benefits

Star Accident Care Policy (Pros)

Star Accident Care Policy

Star Accident Care Policy (Cons)

Star Accident Care Policy

Star Accident Care Policy (Other Benefits)

Star Accident Care Policy

Star Accident Care Policy (Eligibility Criteria)

Star Accident Care Policy

Individual and Family Health Insurance

Most often health insurance plans inadequately cover OPD (out-patient department) expenses for an insurance holder, however, Star Outpatient Care is a...

Unique Features

  • Plan Variants Available
  • Dental & Ophthalmic treatment
  • Lifelong Renewal Benefit

Star Outpatient Care (Pros)

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

Star Outpatient Care (Cons)

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

Star Outpatient Care (Other Benefits)

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

Star Outpatient Care (Eligibility Criteria)

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

Critical Illness Health Insurance

Star Criticare Plus Policy falls under a dual benefit plan, as policyholders can get the coverage of health insurance and as well as critical illnesse...

Unique Features

  • Cover 1 family member
  • 30% Co-payment
  • Non-allopathic treatments

Star Criticare Plus Policy (Pros)

Star Criticare Plus Policy

Star Criticare Plus Policy (Cons)

Star Criticare Plus Policy

Star Criticare Plus Policy (Other Benefits)

Star Criticare Plus Policy

Star Criticare Plus Policy (Eligibility Criteria)

Star Criticare Plus Policy

Individual and Family Health Insurance

Star health special care is a unique plan providing indemnity cover to individuals diagnosed with Autism and it is an individual plan. Star health spe...

Unique Features

  • Indemnity cover
  • Autism cover
  • Modern treatment

Star Special Care (Pros)

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

Star Special Care (Cons)

Star Special Care
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Pre-existing Disease

Star Special Care (Other Benefits)

Star Special Care
  • Treatment of Seizures
  • Behavioral Therapy Cover
  • Speech Therapy Cover
  • Occupational Therapy Cover
  • Adeno Tonsillectomy

Star Special Care (Eligibility Criteria)

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

Top Up and Super Top Up

Top-up health plans from Star Health Insurance can help you protect your health in the event of a medical emergency after you have exhausted the sum i...

Unique Features

  • High Sum Insured
  • Recharge Benefit
  • Wellness Benefit

Star Health Top-up Plans (Pros)

Star Health Top-up Plans

Star Health Top-up Plans (Cons)

Star Health Top-up Plans

Star Health Top-up Plans (Other Benefits)

Star Health Top-up Plans

Star Health Top-up Plans (Eligibility Criteria)

Star Health Top-up Plans

Critical Illness Health Insurance

Cancer is a deadly and difficult disease to deal with, causing patients and their families to struggle emotionally, physically, and psychologically. C...

Unique Features

  • High Sum Insured
  • 37 Critical Illnesses
  • Cancer Cover

Star Health for Cancer (Pros)

Star Health for Cancer

Star Health for Cancer (Cons)

Star Health for Cancer

Star Health for Cancer (Other Benefits)

Star Health for Cancer

Star Health for Cancer (Eligibility Criteria)

Star Health for Cancer

Critical Illness Health Insurance

The burden of medical expenses for cancer treatment can be overwhelming leaving the individuals and their families under financial strain. Star Cancer...

Unique Features

  • Stage 1 & 2 Cancer Cover
  • Specifications
  • Cashless Hospitalization

Cancer Care Gold (Pros)

Cancer Care Gold

Cancer Care Gold (Cons)

Cancer Care Gold

Cancer Care Gold (Other Benefits)

Cancer Care Gold

Cancer Care Gold (Eligibility Criteria)

Cancer Care Gold

Individual and Family Health Insurance

Star Health Assure Insurance Policy is a versatile 360-degree health insurance plan providing wide coverage for self, spouse, dependent children, pare...

Unique Features

  • Maternity Benefit
  • Air Ambulance Cover
  • Star Wellness Program

Star Health Assure Policy (Pros)

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

Star Health Assure Policy (Cons)

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

Star Health Assure Policy (Other Benefits)

Star Health Assure Policy
  • In Utero Fetal Surgery
  • Pain Management
  • Rehabilitation Cover
  • Organ Donor Cover
  • Modern Treatment Cover

Star Health Assure Policy (Eligibility Criteria)

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

Individual and Family Health Insurance

Star Health Insurance Company has launched one of the most revolutionary insurance plans - the Super Star Health Plan. It has the flexibility to custo...

Unique Features

  • Premium discounts
  • Freeze age benefit
  • Dental cover

Super Star Health Plan (Pros)

Super Star Health Plan
  • Daycare procedures
  • Modern treatment
  • Second medical opinion
  • Maternity cover

Super Star Health Plan (Cons)

Super Star Health Plan
  • Compassionate travel
  • Global coverage
  • Adventure sports
  • Breach of law
  • STDs not covered

Super Star Health Plan (Other Benefits)

Super Star Health Plan
  • Newborn baby cover
  • Assisted reproduction cover
  • Home care
  • Domiciliary treatment cover

Super Star Health Plan (Eligibility Criteria)

Super Star Health Plan
  • Adult 18 years to No max limit
  • Dependent children 91 days to 25 years

Star Health Insurance for Senior Citizens: FAQs

1. 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.

2. 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.

3. 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: Stress Thallium Report BP Report Sugar (blood & urine) Blood urea & creatinine

4. 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.

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Himanshu Kumar

Written By: Naval Goel

Naval Goel is the Founder and CEO of PolicyX.com (IRDA- Approved Insurance Comparison Website). He is a CFA charter holder (USA) and FRM (GARP). He holds an MBA from IIFT, Delhi, and is also an Associate from the Insurance Institute of India. Naval is an avid investor and entrepreneur who has a deep understanding of the Indian equity market and insurance sector. He has been investing for more than 10 years now and is a CFA charter holder.