Skip to main content

Get the Best Health Insurance Plan Online in India---Server Name(





Most Popular Policies of Star Health Insurance

  • Star Health Criticare Plus Policy
    Star Health Criticare Plus Policy is a critical illness policy that provides hospitalization benefits along with critical illness cover.
    Key features of Star Health Criticare Plus Policy
    • 5% discount for up to 2 members and 10% discount for more than 2 members
    • Coverage available for non-allopathic treatments is available up to 25% of the sum insured
    • No medical screening for candidates below 50 years of age
    • Coverage available for specific day care process and ambulance charge
    Buy now
  • Star Health Family Health Optima Insurance
    Star Health Family Health Optima Insurance plan offers protection to the entire family for a single premium.
    Key features of Star Health Family Health Optima Insurance
    • Coverage for new born baby is available
    • Coverage for organ donor expenses is available
    • Coverage available for expenses due to domiciliary treatment
    • Restore benefit and recharge benefit are available
    Buy now
  • Star Health Senior Citizen Red Carpet Insurance Policy
    Star Health Senior Citizen Red Carpet Insurance Policy is designed for individuals between 60 to 75 years of age to look after their medical needs.
    Key features of Star Health Senior Citizen Red Carpet Insurance Policy
    • Lifelong renewal option
    • in-house claim settlement facility is available
    • Coverage for nursing and ICU expenses is available
    • Customized e -health records available
    Buy now
  • Star Cardiac Care Insurance Policy
    Star Cardiac Care Insurance policy is designed for people with previous history of heart related ailments.
    Key features of Star Cardiac Care Insurance Policy
    • Lifelong renewal option
    • Scope to increase sum insured amount at policy renewal
    • Coverage for Cardiac Medical Management in Gold Plan
    • Coverage available for pre and post hospitalization expenses
    Buy now

Star Health Senior Citizen Red Carpet Insurance

With your 60th birthday celebration, you achieve another milestone in your life. Now, it’s the time to pay more attention to your wellbeing and health, if you really want to relax and enjoy the rest of your life. When it comes to health protection, young people bank upon health insurance policies. Perhaps, you might be thinking that there are hardly any health protection plans available especially for senior citizens. There is! It is called Star Health Senior Citizen Red Carpet Insurance.

This policy is especially designed to address the needs senior citizens. It covers the sum spent on medical bills done by the insured on account of disease, sickness, illness, accidents or injuries. One of most unique features of this plan is, it provides coverage for pre-existing health conditions after 12 months for the beginning of the policy term.

Special features of the policy

  • Any individual who is in his or her 60s or more up to 75 years can opt for this plan.
  • The policy offers guaranteed renewals for the lifetime.
  • A prospective policyholder would not have to go for pre-acceptance health examinations to avail this policy.
  • It covers in-patient hospitalization expenses.
  • Also, out-patient medical consultation coverage is a part of this insurance plan.

Take a look at the benefits it offers:

  • Hospitalization expenses, including room rent, boarding charges and nursing costs are covered at the rate of 1% of the amount covered. It is subject to Rs. 6000/day to the maximum.
  • ICU expenses are paid at the rate of 2% of the amount covered.
  • The fees of surgeon, specialist, doctor, consultant and anesthetist are also covered. It is calculated at the rate of 25% of the amount insured.
  • Emergency ambulance costs incurred due to transportation of the insured patient to the hospital are also covered by the plan. It can go up to R. 600/hospitalization. The overall limit for the same is Rs. 1200/policy term.
  • Treatment of certain diseases (specified in the policy clauses) is also covered.

Take a look at the following image for more information:


Outpatient consultation

Cover of medical expenses done as an outpatient for medical consultation in an empanelled medical facility is also included in this policy. It is offers up to the limits shown in the chart given below with a provision of Rs. 200/consultation. Payments done under this clause does not reduce the amount of sum insured.

Sum Insured

Limit/Policy Term

Rs. 1,00, 000


Rs. 2,00, 000


Rs. 3,00, 000

Rs. 600

Rs. 4, 00, 000

Rs. 800

Rs. 5, 00, 000

Rs. 1000

Rs. 7, 50, 000

Rs. 1200

Rs. 10, 00, 000

Rs. 1400

Post hospitalization coverage

The Star Health Senior Citizen Red Carpet Insurance also covers post hospitalization expenses at the rate of 7% of the charges incurred while admitted in the hospital. This includes – nursing costs, consultant’s, surgeon’s fee, the cost of medicines and other diagnostic charges. A maximum amount of Rs. 5000/- can be availed per occurrence. The post hospitalization health care facility is recommended by the attending doctor.

Pre-acceptance medical screening

Although, no such screening is needed for purchasing this policy, there are certain tests done, in case the prospective policyholder has adverse medical records. Till now, the expenses for medical examinations (if needed) are borne by the insurance provider.

Policy premium details

Check with the table given below:

Sum Insured


Rs. 1,00, 000

Rs. 4,450/-

Rs. 2,00, 000

Rs. 8, 456/-

Rs. 3,00, 000

Rs. 12, 900/-

Rs. 4, 00, 000

Rs. 15, 501/-

Rs. 5, 00, 000

Rs. 18, 000/-

Rs. 7, 50, 000

Rs. 21, 000/-

Rs. 10, 00, 000

Rs. 22, 500/-

The insured is entitled to get 10% off on the premium, provided the proposer is able to produce the documents (it is subject to the satisfaction of the insurance provider) mentioned as under:

  • Blood Pressure report
  • Stress Thallium report
  • Sugar Level report, both urine and blood
  • Creatinine and blood urea

The tests mentioned above should not be undertaken 45 days prior from the proposal date.

Co-payment details

  • In case of claims made in regard to pre-existing medical conditions, the co-payment percentage is 50.
  • In case of all other claims, it’s 30%

Areas not covered by the policy

  • During the initial waiting period, which is of 30 days from the beginning of the policy term, your claim would not be accepted.
  • Some ailments or health conditions are not covered in the first year of the policy. They are – Piles, Fistula, Hydrocele, Hernia, Kidney and Gall Stone removal, congenital diseases, Sinusitis, Benign Prostate Hypertrophy, etc.
  • Some diseases or treatments are not covered in the initial 2 years of the policy. They are – Hysterectomy related to Menorrhagia, varicose ulcers, varicose veins, knee replacement surgery (except accident cases), etc.
  • Weight loss, cosmetic and naturopathy treatments are also excluded.
  • Expenses incurred against diagnostic tests are excluded.

Other features associated with the policy

  • Free-look period
  • Portability
  • Hassle-free claim settlements