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

Network hospitals



Claim settlement ratio



Sum insured

2 CR


No. of Plans



Solvency Ratio



Pan India Presence


Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member


Network hospitals



Claim settlement ratio



Sum insured

2 CR


No. of Plans



Solvency Ratio



Pan India Presence


Star Health Insurance 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 for Senior Citizens Plan Specifications

Entry Age

Minimum: 60 Years

Maximum Age

75 Years

Plan Type

Individual / Family Floater

Policy Term

1 / 2 / 3 year

Sum Insured

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

Initial Waiting Period*

30 Days

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

Key features of Star 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).

Star Health Insurance Plans for Senior Citizens

Star Health Insurance comes with a comprehensive senior citizen plan. The details of the plan are as follows:

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 installment facility

Health Insurance Companies

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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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.

Other Value-added Benefits

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

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

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:


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

Star Health Insurance for Senior Citizens: FAQs

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

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

2. Any premium discount offered to senior citizens?

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

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

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

Asking elderly people to visit multiple times to diagnose will not be appreciated. So, pre-insurance medical screening is not required for any sum insured opted by the person.

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

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

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Read what customers think about the Star Health Insurance Policy.

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Ranjan Kumar Verma


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 हूँ...

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sandeep singh


January 12, 2023

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

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Sanjay naraware


November 8, 2022

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

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June 2, 2022

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

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Himanshu Gada


May 25, 2022

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

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samarth wadhwa


March 14, 2022

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

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rachana singh


February 24, 2022

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

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February 17, 2022

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

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Naval Goel

Reviewed By: Naval Goel

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