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Senior Citizens Red Carpet Health Insurance Policy

The optimum policy for seniors over 60 years of age with several advantages



Cover till 75 years

For Senior citizens aged between 60 to 75 years.

No pre-acceptance medical screening

Pre-insurance medical test is not required.

Covers pre-existing diseases

Covers pre-existing diseases from the second year onwards.

Flexible policy basis

Get Protected upto 25 Lakhs on Individual and Floater basis

Medical Consultations

Medical Consultations as an out-patient in a Network Hospital.

Constant premium

Constant premium with lifetime renewals guaranteed.

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 plan 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.
Benefits of Senior Citizens Red Carpet Health Insurance Policy
On purchasing the Senior Citizens Red Carpet Health Insurance Policy, one can reap abundant benefits as listed below:
  1. Availability of greater Sum Insured coverage up to Rs. 25 Lakhs on Individual basis and Rs. 10 lakhs to 25 lakhs on floater basis.
  2. Coverage for outpatient medical consultations at Network Hospitals.
  3. No pre-insurance medical screening is required irrespective of the person’s age and the sum insured opted.
  4. Pre-existing diseases (PED) are covered after a one-year waiting period.
  5. A broader coverage of daycare procedures/treatments and modern treatments with both cashless and reimbursement facilities in extensive wide-range of network hospitals.
  6. Availing tax benefits as per the prevailing Income Tax rules on the premium paid, eligibility for relief under Section 80-D of Income Tax Act.
  7. An added advantage of the lifetime renewability option.
  8. A 10% discount on the premium is allowed on submitting certain medical records.
  9. A 5% discount for the online purchase of the policy.
  10. Premiums can be paid on a quarterly and half-yearly basis. You can prefer to make payments on annual, biennial and triennial terms.

Red Carpet Coverage for Senior Citizen

The Senior Citizens Red Carpet Health Insurance Policy extends its coverage on multiple aspects to support you, the senior citizens on your health care needs and thereby making it a adequate mediclaim policy for 60+.
Daycare procedures
Expenses towards all day-care procedures, surgeries and treatments that would require hospitalization of less than 24 hours are covered.
In-patient hospitalisation expenses
Coverage for all in-patient hospitalisation expenses up to the sum insured.
Pre- and Post-hospitalisation expenses
Pre-hospitalisation expenses are covered for a maximum of 30 days before admission in the network hospitals.
Post-hospitalisation expenses covered for a maximum of 7% of the hospitalisation expenses incurred up to the limits as specified in the policy clause.
Modern Treatments
Twelve modern treatments are covered comprising balloon sinuplasty, immunotherapy and stem cell therapy, up to sub-limits mentioned in the policy clause.
Out-Patient expenses
Any medical consultation expenses as an outpatient incurred in a network hospital are covered up to the limits with a limit of Rs.200 per consultation.
Annual Health Check-Ups
Payment of expenses towards cost of health check-up up to the limits for every claim-free year at network hospitals.
Pre-Existing Disease (PED)
You can claim for treatments on pre-existing conditions after 12 months from the policy start date.
Specific Disease/Illness Coverage
The policy covers some specific diseases/treatments only after a 24-months waiting period. Covers for cataract surgery up to specific limits based on sum insured options.
Initial waiting period – 30 days (except for accidents).

Exclusions in the Policy

The policy does not cover the treatments and conditions listed below:
  1. Cosmetic or plastic surgery expenses
  2. Change-of-Gender treatment
  3. Intentional self injury
  4. Treatments necessitated due to participation in hazardous or adventure sports.
  5. Treatments for alcohol or drug abuse
  6. Congenital External Condition / Defects / Anomalies
Please refer to the policy clause and wording on the website to have a detailed list of such exclusions.

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:
  1. Coverage on any outpatient medical consultations in a Network Hospital
  2. No pre-insurance medical screening is required.
  3. Pre-existing diseases (PED) are covered after a waiting period of one year.
  4. 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.

Frequently Asked Questions of Outpatient Care Insurance Policy

What will be the premium for Senior Citizens Red Carpet Health Insurance Policy?

The Health insurance Premium for Senior Citizens Red Carpet Health Insurance Policy is based on the Sum Insured ranging from 1 lakh to 25 lakhs cover.
Premium is raging from INR. 4500/- to 36,000/- Excl. Taxes
The best option to buy 15 lakhs Sum Insured & the Premium would be around INR 29,000/- and avail Section 80D benefit.

Our Clients Love Us

Check what other persons are saying about our product. They are very happy with their purchase

Recently, I have taken a policy for my father . I would like to congratulate your firm for issuing and sending the policy hardly in two days. Do keep up the good work.

Suresh MVJJ

Good luck to the team Star Health.

Amrit Pal Singh

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