Star Health Senior Citizen Red Carpet Insurance

Star Health Senior Citizen Red Carpet Insurance Plan is a comprehensive health insurance policy for senior citizen which covers medical expenses incurred by a person due to any illness, disease sickness, injury or accidents. Senior Citizens require adequate health care at all times and hence it becomes crucial for them to have a proper health insurance policy. This plan of Star health which is specially designed for senior citizen is very popular because it covers pre-existing diseases from the second policy year.

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No medical tests
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Pre-existing diseases
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Emergency ambulance charges
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Key Features

Specially for individuals between the age group of 60 and 74 years
No medical tests are required for this policy
Pre-existing diseases are covered from the second policy year
Hospital room accommodation

is provided upto 1% of sum insured and upto 2% of sum insured for ICU expenses

Nursing expenses, Surgeon's fees, Consultant's fees, Anesthetist's and Specialist's fees are all included.
Emergency ambulance charges are paid till specific limit as mentioned.
Cost of medicines and drugs, blood, oxygen, pace-maker and diagnostic tests are covered till 50% of sum insured.
Post hospitalization benefits are paid for upto 7% of hospitalization expenses upto a maximum of Rs 5000.

Disease for which treatment or advice was recommended by or received during the immediately preceding 12 months from the date of proposal will be covered from second year onwards.

Certain treatment have an upper limit mentioned as below:
  • Cardiovascular Diseases and Cerebrovascular Accident/Cancer and breakage of Bones: Upto Rs.75,000 for sum insured of Rs.1,00,000 and upto Rs.1,50,000 for sum insured of Rs.2,00,000
  • Both eyes Cataract surgery is covered upto Rs.15,000
  • Renal Complications upto Rs.75,000 for sum insured of Rs.1,00,000 and upto Rs.1,50,000 for sum insured of Rs.2,00,000
Other Major Surgeries

Other Major Surgeries are covered upto Rs.60,000 for sum insured of Rs.1,00,000 and upto Rs.1,20,000 for sum insured of Rs.2,00,000


Family floater policy will cover

Not available with this plan.

Tax Benefit


Health Insurance premiums paid in any mode other than cash up to Rs. 15,000 and Rs 20,000 for senior citizen are allowed as a deduction from the taxable income each year under section 80D of the Income Tax Act.


  Minimum Maximum
Coverage Amount (in Rs.) 1,00,000 2,00,000
Policy Term (in years) 1 1
Entry Age (in years) 60 years 74 years
Renewable till Age (in years) - No Limit


  • Initial waiting period of 30 days from commencement of the policy, no claims will be admitted.
  • Certain diseases are excluded in the first year of operation like Fistula in anus, Piles, Sinusitis and related disorders, congenital internal disease/defects, removal of gallstones and renal stone, Benign Prostate Hypertrophy, Hernia, Hydrocele
  • Some of the diseases are excluded in the first Two Years of operation, which are knee replacement surgery which is caused other than by an accident, Cataract, Hysterectomy for Menorrhagia or Fibromyoma, Prolapse of inter-vertebral disc (other than caused by accident),varicose veins and varicose ulcers
  • Cosmetic surgery and Naturopathy treatment are not included
  • Expenses which are purely diagnostic in nature is also not included in this plan