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

Get a Quote

82.31

Claim Settlement Ratio

14000

Network Hospitals

6.8

Customer Rating

Our Verdict

Expert Review: Star Health Insurance

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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 Health Insurance

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.

Inclusions and Exclusions

Inclusions and Exclusions of Star Insurance Company Limited

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.

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.

Cashless Healthcare Providers

14,000+ network hospitals.

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

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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.
Routine medical check-ups, preventive care, and vaccinations unless specifically covered by the policy.
Hospitalization solely for diagnostic tests, investigations, or observation without active treatment.
Treatments arising from war, terrorism, nuclear risks, or biological warfare.

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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 hospitalization, along with pre-and post-hospitalization expenses, day-care procedures, AYUSH treatments, ambulance charges, and maternity benefits, etc. Policyholders also enjoy benefits such as no-claim bonuses, automatic...

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;...