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Senior Citizens Red Carpet Health Insurance Policy

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Plan Essentials


Flexible Sum Insured

Available Sum Insured options for Individual basis - 1/2/3/4/5/7.5/10/15/20/25 lakhs and Floater (self and spouse) basis - 10/15/20/25 lakhs.

Modern Treatment

Expenses incurred for modern treatments such as Oral Chemotherapy, Intra Vitreal injections, Robotic Surgeries, etc. are covered up to the limits mentioned in the policy clause.

Premium Discounts

5% discount for purchasing and renewing the policy online. In addition, a 10% discount is applicable for healthy individuals who have taken the listed medical tests within 45 days before purchasing or renewing the policy.

Pre-Existing Diseases Waiting Period

Pre-Existing Diseases (PED) and their complications are covered after 12 months under this policy subject to the same being declared at the time of application and accepted by Insurer.

OP Consultation

Outpatient consultation at Network Hospitals is payable up to the limits mentioned in the policy clause.

Entry Age

Senior Citizens aged between 60 and 75 years can avail this policy with constant premium and lifelong renewal option.

Medical Examination

Pre-medical test is not mandatory to avail this policy.

Policy Type

This policy can be availed either on an Individual or Floater basis.

Understand what’s included


Policy Term

This policy can be availed for a term of one, two or three years.

Sum Insured

The Sum Insured options under this policy are Rs. 1,00,000/-, Rs. 2,00,000/-, Rs. 3,00,000/-, Rs. 4,00,000/-, Rs. 5,00,000/-, Rs. 7,50,000/- , Rs. 10,00,000/-, Rs. 15,00,000/-, Rs. 20,00,000/- and Rs. 25,00,000/-. The Sum Insured option of Rs. 10,00,000/- to Rs. 25,00,000/- is available on a Floater basis.

In-Patient Hospitalisation

Hospitalisation expenses incurred for a period of more than 24 hours on account of  illness, injury or accidents are covered. 


In addition to in-patient hospitalisation, the medical expenses incurred up to 30 days before the date of admission to the hospital are also covered.


Post-hospitalisation medical expenses are covered up to 7% of the hospitalisation expenses as per the limits mentioned in the policy clause.

Room Rent

Room, boarding and nursing expenses incurred during in-patient hospitalisation are covered up to Rs. 10,000/- for the maximum Sum Insured opted.

ICU Charges

Up to 2% of the Sum Insured is payable as ICU charges for the Sum Insured up to Rs. 10 lakhs. And, for the Sum Insured of Rs. 15 lakhs to Rs. 25 lakhs, ICU charges are covered up to actuals.

Road Ambulance

Ambulance charges incurred for transporting the insured person to the hospital by private ambulance service are covered.

Day Care Procedures

Medical treatments and surgical procedures that require less than 24 hours of hospitalisation due to technological advancements are covered.

Cataract Treatment

Expenses incurred for Cataract treatment are covered after a waiting period of 24 months up to the limits mentioned in the policy clause.


This policy is subjected to co-payment of 30% for all claims.

Health Check-Up

For every claim-free year, the expenses incurred for an annual health check-up at Network Hospitals are covered up to the specified limits.

Compassionate travel

In the event of the insured person being hospitalized for a life threatening emergency at a place away from his usual place of residence as recorded in the policy, the Company will reimburse the transportation expenses by air transportation incurred up to Rs. 10,000/- per occurrence for one immediate family member (other than the travel companion) for travel towards the place where hospital is located, provided the claim for hospitalization is admissible under the policy.

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. Note : Claims under Yoga and Naturopathy system of treatment will be payable subject to prior approval from the company.

Repatriation of Mortal Remains

Following an admissible claim for hospitalization under the policy, the Company shall reimburse up to Rs.10,000/- per policy period towards the cost of repatriation of mortal remains of the insured person (including the cost of embalming and coffin charges) to the residence of the Insured as recorded in the policy.

Second Medical Opinion

The Insured Person can obtain a Second Medical Opinion from a Doctor in the Company's network of Medical Practitioners.

Instalment Options

The policy premium can be paid on a monthly, quarterly or half-yearly basis. It can also be paid on an annual, biennial (once in 2 years) and triennial (once in 3 years) basis.
Please refer to the Policy Documents to know the policy details and Terms & Conditions.

Why Choose Star Health Insurance?

As a Health Insurance specialist, we extend our services from offering tailor-made products to fast in-house claim settlements. With our growing network of hospitals, we ensure easy access to fulfill your medical needs.

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Health Insurance for Senior Citizen


Aging - a natural process, stays to be a unique challenge for all sections of our society. Individual citizens of age group more than 60 years are considered as Senior Citizens. According to the first Longitudinal Aging Study in India (LASI), two out of every three senior citizens in India are suffering from some chronic illnesses. Diseases observed to be high among the elderly age groups include Cardiovascular diseases (CVD), chronic hypertension, Diabetes, Bone and Joint diseases and more. Health care needs are one of the retirements’ biggest ‘unknowns.’ From the financial standpoint of you, the Senior Citizens, getting a standard treatment for such chronic diseases may drain your savings with the rising medical cost and makes it hard to set your retirement saving goals. Health Insurance for Senior Citizens is needed to meet their unique health requirements. Hence, get yourself immediately covered with a right and efficacious health insurance that quenches your health care needs.

Senior Citizens Red Carpet Health Insurance Policy

Star Health Insurance presents the Senior Citizens Red Carpet Health Insurance Policy with a utilitarian approach towards the elderly citizens. This plan is uniquely designed for the senior citizens in the age group of 60 to 75 years.


The policy comes with the best benefits for the Senior Citizens, which includes a coverage for a wide range of daycare procedures involved in modern treatments, significant medical interventions, pre-existing diseases from the second policy year with the availability of constant premium with a lifelong renewable option. The policy is available on an Individual/Floater Sum Insured basis. It is apt for senior citizens looking for a best pocket-friendly premium towards medical insurance for senior citizens in India. The key highlight of the policy is that no pre-insurance medical check-up is required while buying the policy. On purchasing the policy you can also avail the benefit of tax exemption under section 80D.

Why 60+ Elderly People should take Star Health Medical Insurance


Star Health Insurance designs health plans aiming for senior citizens who had once built the nation. Senior Citizens Red Carpet Health Insurance Policy is a complete plan in support of the elderly community.

There are numerous valuable benefits enjoyed by the Senior Citizens on buying the policy:


  • Coverage on any outpatient medical consultations in a Network Hospital
  • No pre-insurance medical screening is required.
  • Pre-existing diseases (PED) are covered after a waiting period of one year.
  • A broader coverage for daycare procedures and modern treatments.


Dedicated Senior Citizens Claims & Grievances


Policyholders who have complaints against insurers are required to first approach the Complaints/Grievance Redressal Cell of the insurer in the link, or

If they do not receive a response from the insurer within a reasonable period or are dissatisfied with the response of the company, contact

Integrated Grievance Management System(IGMS) - IRDAI Portal at for registering the complaints Email to

And can call Toll Free No. 155255 or 1800 4254 732.


Tax Benefit from buying Senior Citizens Red Carpet Health Insurance Policy


The key benefit of the policy is, theInsured person is eligible for tax benefits under Section 80-D of the Income Tax Act 1961 in respect of the premium paid by any mode other than cash.