Star Red Carpet Senior Citizen Health Plan

Star Red Carpet Senior Citizen Health Plan - BimaBandhu

Star Red Carpet Senior Citizen Health Plan is a comprehensive health insurance policy tailored for individuals aged 60 and above. It has been designed with careful consideration for the unique healthcare needs of seniors in their golden years. A notable advantage of this plan is the absence of pre-medical screening requirements, providing a boon for esteemed senior citizens. This means a streamlined and hassle-free enrollment process, allowing these individuals to secure the coverage they need without the burden of extensive medical evaluations.

In this guide, we will cover the key features and offerings of the Star Red Carpet Senior Citizen Health Plan, specifically addressing the concerns and requirements of individuals between the ages of 60 and 75.

Features of Star Red Carpet Senior Citizen Health Plan

  • Individual/Family Floater Cover

Star Red Carpet Senior Citizen Health Plan offers flexibility with coverage options available on both an individual and family floater basis. 

  • Wide Range of Sum Insured Options

For individual coverage, the plan provides a diverse range of sum insured options, ranging from Rs 1 Lakh to Rs 25 Lakh. Families seeking comprehensive coverage can opt for the sum insured between Rs 10 Lakh and Rs 25 Lakh. Additionally, the plan introduces three new sum insured alternatives, providing even more choices at Rs.15 lakh, Rs.20 lakh, and Rs.25 lakh.

  • Cashless Hospitalization

Star Red Carpet Senior Citizen Health Plan also ensures hassle-free access to medical care with cashless hospitalization facilities available in a vast network of over 9900 hospitals. 

  • Pre-Existing Diseases Coverage

The policy covers pre-existing illnesses after a waiting period of 12 months. This feature addresses the health concerns of senior citizens, offering coverage for conditions that may have existed prior to policy enrollment.

  • Pre-Policy Medical Screening

While not mandatory, senior citizens have the option to undergo pre-policy medical screening. However, if the policyholder provides medical records including Blood Urea & Creatinine, BP Report, Sugar (blood & urine), and Stress Thallium Report, a noteworthy benefit is a 10% waiver on the premium.

  • Co-payment

Depending on the chosen sum insured, the Star Red Carpet Senior Citizen Health Plan implements co-payment structures. For sums insured between Rs 1 Lakh and Rs 10 Lakh, a 50% co-pay applies to pre-existing disease-related claims. On the other hand, for sums insured between Rs 15 Lakh and Rs 25 Lakh, a 30% co-pay is applied to all admissible claims, ensuring a fair and transparent cost-sharing mechanism for policyholders.

Also Read: All About Co-Pay in Health Insurance

Inclusions of Star Red Carpet Senior Citizen Health Plan

  • Coverage to in-patient hospitalization expenses lasting a minimum of 24 hours (encompassing charges for hospital room rent, doctor’s and specialist’s fees, along with costs associated with oxygen, blood, medicines, etc.)
  • Coverage for day-care procedures and surgeries that do not necessitate a continuous 24-hour hospital stay
  • Pre-hospitalization and post-hospitalization coverage in the form of a lump sum benefit 
  • ambulance charges, offering coverage for the essential transportation needed during medical emergencies
  • Sub-limits for specific illnesses as detailed in the policy wordings, ensuring a transparent understanding of the coverage param (these treatments may have sub-limits associated with them)

Exclusions of Star Red Carpet Senior Citizen Health Plan:

  • Just so you know, coverage for pre-existing conditions takes a little time to kick in – it becomes active after the first year of your policy. This waiting period is all about being fair and transparent, making sure everything’s squared away when it comes to existing health stuff.
  • Diseases diagnosed within the initial 30 days of the policy period are not covered. This provision aims to prevent the inclusion of illnesses that may have been pre-existing but were not known at the time of policy initiation.
  • Star Red Carpet Senior Citizen Health policy does not cover dental treatment or surgery expenses, except in cases of accidental hospitalization.
  • Costs incurred on vitamins and tonics that are not an integral part of the treatment are excluded. 
  • The policy won’t pick up the tab for expenses tied to rehabilitation and respite care. It’s crafted to focus on immediate medical needs.

For complete list of inclusions and exclusions, refer to the policy wording.

Recommended Read: All About Star Health Insurance

Eligibility Criteria for Star Red Carpet Senior Citizen Health Plan

  • Age Range: 60 to 75 years
  • Minimum Age: 60 years
  • Maximum Age: 75 years

Cancellation and Termination Policy of Star Red Carpet Senior Citizen Health Plan

This plan is subject to the following terms:

  • Policyholders can initiate the cancellation process by providing a 15 days’ notice to the insurer. 
  • The premium retained by the insurer in case of policy cancellation depends on the period on risk. 
  • The policy undergoes automatic termination upon the death of the insured.
  • Once the coverage limit is exhausted, the policy terminates automatically.

Understanding these cancellation and termination provisions equips policyholders with essential information. If you have further inquiries or require assistance in selecting the right plan for your parents or elderly individuals, you can ask health insurance experts to provide guidance tailored to your specific needs.


What is the age range for purchasing the Senior Citizen Red Carpet plan?

Individuals within the age bracket of 60 to 75 years are eligible to purchase the Senior Citizen Red Carpet health plan.

Does the Red Carpet plan include coverage for medical consultation expenses?

Yes, the Red Carpet plan provides coverage for out-patient medical consultation costs at Star Health Network Hospitals.

Is coverage available for pre-existing diseases under the Star Health Senior Citizen Red Carpet Health Policy?

Yes, the policy covers pre-existing diseases of the insured, commencing from the second year of the policy.

Is pre-medical screening mandatory when purchasing the Senior Citizen Red Carpet plan?

No, the Senior Citizen Red Carpet plan does not mandate pre-medical tests for applicants before policy purchase. However, if the applicant submits specific tests, including Blood Urea & Creatinine, BP Report, Sugar (blood & urine), and Stress Thallium Report, the insurer grants a 10% waiver on the premium.

Does the Star Health Senior Citizen Policy cover robotic surgeries?

Yes, robotic surgeries are covered under this policy, along with other modern treatments. It’s important to note that sub-limits are applicable to these procedures.

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