Star Senior Citizen Red Carpet
Star
6.8/10
OneAssure Rating
6.8/10
OneAssure Rating
Highlighted Features
Advanced Treatments
Coverage includes advanced treatments such as coronary angiography, cancer radiotherapy, chemotherapy, and palliative care, ensuring access to essential medical support during critical times.
Room Rent (Normal & ICU)
The Star Senior Citizens Red Carpet Health Insurance Policy offers room rent coverage with specific limits. For normal hospitalization, room rent is capped at ₹10,000 per day, while ICU charges are covered up to ₹7,500 per day.
Policy Wording
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Our 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 the Plan
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.
About the Plan
Product Stats
Rating
Features of the Product
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
- Normal:
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.
- 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.
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.
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.
Treatment for congenital diseases or disorders unless explicitly mentioned in the policy.
Non-medical expenses like administrative charges, service fees, or room rent exceeding the specified limits.
Outpatient care (OPD) consultations and treatments that do not require hospitalization.
Exclusions
Related Variants
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Why OneAssure?
We help you maximize your coverage over time for stronger protection.
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 sum insured restoration, and preventive health check-ups.
Focusing on their customers' convenience, the insurer provides online policy management, claim tracking, and immediate claim settlement. Star Health looks forward to becoming the provider of financial security against medical emergencies while promoting health and well-being among individuals, families, and corporate clients, making it one of the trusted names in India's health insurance band.
About the Company
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