Does the Star Senior Citizen Red Carpet cover chronic illnesses?

Yes, the Star Senior Citizens Red Carpet Health Insurance Policy covers chronic illnesses, including pre-existing conditions, after a 12-month waiting period.

How does the waiting period affect my coverage?

The Star Senior Red Carpet Plan has a 30-day initial waiting period, except for accidental claims. Pre-existing diseases are covered after 12 months, while specific illnesses have a waiting period of up to 24 months.

What if I don’t use my health insurance benefits for the entire year?

If no claims are made during the policy year, the plan does not offer a No Claim Bonus (NCB), but continuous coverage ensures financial protection for future medical expenses.

Does the Star Senior Red Carpet Plan cover treatment abroad?

The plan provides coverage only within India and does not include international medical treatment. For global coverage, consider a separate international health insurance policy.

OneAssure

Health Insurance

Star

Red Carpet Senior Citizens

Star Senior Citizen Red Carpet

Experience India's most trusted health insurance with Star Health Insurance. Get instant cashless treatment at 14000 network hospitals with sum insured up to ₹50 lakhs.

82.31%

Claim Settlement Ratio

14000+

Network Hospitals

6.8

Customer Rating

Policy Policy Wording

Get a Quote

82.31%

Claim Settlement Ratio

14000+

Network Hospitals

6.8

Customer Rating

Policy Policy Wording

Our Verdict

Expert Review: Star Red Carpet Senior Citizens

Final Verdict

Star Senior Citizens Red Carpet offers accessible coverage without pre-screening for ages 60-75, including pre-existing conditions after a year. Co-payment applies, but add-ons like compassionate travel enhance its value for senior healthcare needs.

About

About Star Red Carpet Senior Citizens

Star Health’s Senior Citizens Red Carpet Policy covers individuals aged 60–75 with lifelong renewability. It requires no pre-acceptance medical screening and offers sums insured from ₹1 lakh to ₹25 lakh. Coverage includes hospitalization, modern treatments, and pre-existing diseases after 12 months. Co-payment applies, and cashless treatment is available at 9,900+ hospitals.

Red Carpet Senior Citizens Ratings

Ratings: Star Red Carpet Senior Citizens

Insurer Rating

7.07

out of 10

Insurance Rating

1

out of 10

No Room Rent Limit

No

Consumables Covered

No

No Co-payment

No

Loyalty Bonus >= 500%

No

No Disease Sublimits

Add on

Unlimited Restoration

No

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

Yes

Maternity Available

No

Waiting Period Waiver

No

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

swipe

Inclusions and Exclusions

Inclusions and Exclusions of Star Red Carpet Senior Citizens

AYUSH Treatment

Medical expenses for Inpatient Hospitalization incurred on treatment under Ayurveda, Unani, Sidha and Homeopathy systems of medicines in a AYUSH Hospital is payable up to the sum insured.

Room Rent

Normal: 1,00,000 to 5,00,000: upto 1% sum insured.
Rs 7,50,000 to 10,00,000 : upto 6,000
Rs 15,00,000 : upto 7,000
Rs 20,00,000 : upto 8,500
Rs 25,00,000 : upto 10,000
ICU: Rs.1,00,000/- to Rs.10,00,000/- Up to 2% of the sum insured.
Rs.15,00,000/- to Rs.25,00,000/- Actuals

Advanced Treatments

Uterine artery Embolization and HIFU
Balloon Sinuplasty
Deep Brain Stimulation
Oral Chemotherapy
Immunotherapy Monoclonal Antibody to be given as injection
Intra Vitreal injections
Robotic surgeries
Stereotactic radio surgeries
Bronchical Thermoplasty
Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for hematological conditions

Co-payment

This policy is subject to co-payment of 30% for all claims.

Cashless Healthcare Providers

14,000+ network hospitals.

Waiting Period

Initial Waiting Period: A 30-day waiting period applies from the policy's inception, during which claims are not admissible, except for those arising from accidents.
Pre-existing Disease Waiting Period: For the Silver plan, pre-existing diseases are covered after 48 months of continuous coverage. For Gold and Platinum plans, this period is reduced to 24 months.
Specific Disease/Procedure Waiting Period: For individuals above 45 years of age, certain listed illnesses and procedures are covered after a 24-month waiting period from the policy's inception.

Daycare Treatment

The Medical Expenses for a day care procedure or surgery mentioned in the list of are Procedures in this Policy where the procedure or surgery is taken by the insured Person as an inpatient for less than 24 hours in a Hospital.

AYUSH Treatment

Medical expenses for Inpatient Hospitalization incurred on treatment under Ayurveda, Unani, Sidha and Homeopathy systems of medicines in a AYUSH Hospital is payable up to the sum insured.

Room Rent

Normal: 1,00,000 to 5,00,000: upto 1% sum insured.
Rs 7,50,000 to 10,00,000 : upto 6,000
Rs 15,00,000 : upto 7,000
Rs 20,00,000 : upto 8,500
Rs 25,00,000 : upto 10,000
ICU: Rs.1,00,000/- to Rs.10,00,000/- Up to 2% of the sum insured.
Rs.15,00,000/- to Rs.25,00,000/- Actuals

Advanced Treatments

Uterine artery Embolization and HIFU
Balloon Sinuplasty
Deep Brain Stimulation
Oral Chemotherapy
Immunotherapy Monoclonal Antibody to be given as injection
Intra Vitreal injections
Robotic surgeries
Stereotactic radio surgeries
Bronchical Thermoplasty
Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for hematological conditions

Exclusions

Pre-existing conditions are covered after the specified waiting period and are not immediately covered from the policy start date.
Cosmetic or aesthetic treatments, including plastic surgeries, unless medically necessary due to an accident or injury.
Treatments for alcohol or drug addiction, including rehabilitation and detoxification.
Any treatment related to HIV/AIDS, sexually transmitted diseases (STDs), or related conditions.
Injuries resulting from hazardous activities, self-inflicted harm, or participation in adventure sports.

Insurance Premium Calculator

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Name

Phone Number

Email

Your Enquiry

Name

Phone Number

Email

Your Enquiry

About the company

Star Health and Allied Insurance Co. Ltd is considered one of the major standalone insurers in India. Today, a bulk of insurance policyholders are served by Star Health in India. Plans are offered pertaining to individual health, family floater, senior citizen, critical illness, top-up and super top-up, personal accident, disease specific, maternity, and corporate/group insurance. A cashless hospital network of over 14,000 hospitals nationwide is the big number that helps to keep Star Health's reputation; that way, customers can gain access to quality treatment and services without having to give any upfront payments. As per the plan, treatment can include...

Star Health and Allied Insurance Co. Ltd is considered one of the major standalone insurers in India. Today, a bulk of insurance policyholders are served by Star Health in India. Plans are offered pertaining to individual health, family floater, senior citizen, critical illness, top-up and super top-up, personal accident, disease specific, maternity, and corporate/group insurance. A cashless hospital network of over 14,000 hospitals nationwide is the big number that helps to keep Star Health's reputation;...