Star Senior Citizen Red Carpet Plan
Star Health Insurance
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
Room Rent (Normal & ICU)
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 Periods
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.
Day Care Treatments
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.
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
Outpatient Consultation Coverage - This add-on reimburses expenses for medical consultations as an outpatient at network hospitals, up to specified limits. It ensures that routine check-ups and minor treatments are financially covered without affecting the sum insured.
Annual Health Check-Up Benefit - Policyholders can avail of annual health check-ups at network hospitals, with costs covered up to defined limits. This benefit promotes preventive healthcare and early detection of potential health issues.
Modern Treatment Coverage - This add-on provides coverage for advanced medical treatments, including procedures like oral chemotherapy, robotic surgeries, and stem cell therapy, subject to sub-limits as specified in the policy. It ensures access to cutting-edge medical interventions without significant out-of-pocket expenses.
Compassionate Travel Allowance - In case of hospitalization due to a life-threatening emergency away from the insured's usual residence, this benefit reimburses transportation expenses for an immediate family member to travel to the hospital location, up to ₹10,000 per occurrence. This ensures family support during critical times.
Repatriation of Mortal Remains - This add-on covers expenses up to ₹10,000 per policy period for transporting the insured person's mortal remains to their residence, including costs for embalming and coffin charges. It provides financial assistance during the unfortunate event of the insured's demise.
Add-ons
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About the Company
Star Health and Allied Insurance was founded in 2006 by Dr. A. Sakthivel, and its headquarters is located in Chennai, Tamil Nadu.
Star Health and Allied Insurance is a leading health insurance company in India, offering a range of plans to suit diverse customer needs. They specialize in medical, critical illness, and accidental insurance, providing affordable coverage to individuals and families. The company aims to ensure access to quality healthcare through an extensive network of hospitals. With over a decade of experience, Star Health continues to innovate in the insurance space, focusing on customer-centric services and simplifying claim processes.
About the Company
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