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Star Red Carpet Health Insurance

26 reviews Rate This
Star Health Insurance
Red Carpet
Claim Settlement Ratio90%
COVID-19 CoverYes
In-House Claim SettlementAvailable
Network Hospitals14,000+
Policies Sold37,34,365

About Star Red Carpet Health Insurance

Star Health Senior Citizens Red Carpet Health Insurance Policy is a plan for senior citizens. It offers cover to people from the age of 60 and allows the admission right up to the age of 75. The coverage can be extended, thereafter till lifetime. It is the best way to care for your parents, and other older loved ones. When the plan is issued for more than 1 year, the sum insured is for each and every year, without any carryover advantage thereof. The policy is available on an individual as well as a floater basis.

This policy of Star Health comes with a lot of benefits such as no acquirement for a pre-insurance medical test, medical consultations as an outpatient in a network hospital, a wide range of sum insured options and guaranteed lifetime renewal of the policy. The plan is available for 1 or 2 or 3 years that can be renewed.

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Key Inclusions and Exclusions of the Plan

What's Included

  • Tax benefit on the premium amount is available under section 80D of IT Act
  • Portability option can be availed by applying 45 days prior to renewal date
  • Co-payment is available for pre-existing and non-pre-existing diseases
  • All day care procedures are covered under this health insurance plan
  • The plan coverage involves hospitalisation cover and ICU charges etc.

What's Not Included

  • Use of intoxicating substances like drugs, alcohol, tobacco and so on
  • Treatment of venereal disease and sexually transmitted diseases
  • Intentional self-injury or injury caused due to a suicide attempt
  • The plan doesn’t include congenital external condition, defects or anomalies
  • Injury or disease caused due to warlike operations, nuclear materials etc.

Red Carpet Plan Details

Features/PlanRed Carpet
Room Rent
10 lakh - 1% of SI (max Rs. 6000), 15 lakh - Rs. 7000, 20 lakh - Rs. 8500, 25 lakh - Rs.10000
ICU Charges
2% of SI up to 10 lakh & 15 lakh; 20 lakh, 25 lakh - Actual
Pre and Post Hospitalization
Pre-hospitalization - 30 days, post hospitalization - maximum up to Rs. 10000 (depends on SI)
Day Care Procedure
Free Health Checkup
OPD Benefit
Rs. 200 per consultation, max up to Rs. 2600 (depends on SI)
Ambulance Cover
Max up to Rs. 3000 (depends on SI)
50% on all PED claims, 30% on all non-PED claims
Initial Waiting Period
30 days
Specific Illness Waiting Period
2 years
Waiting Period of PED
1 year
Special Feature
10% discount in premium*, policy without medical screening, premium does not increase with increase in age
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2658 Star Cashless Network Hospitals in India

Red Carpet User Reviews

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What users are saying
  • All
  • I already had one health insurance plan that i purchased from insurancedekho only but brought this too for ext...

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    By Preveen Singh
    On: Feb 18, 2020
  • I think the premium i paid for this plan is higher than what i would be paying if i had another similar produc...

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    By Nilesh Aggarwal
    On: Feb 18, 2020
  • Iam not really happy with the services of insurancedekho and hope they dont waste time of other callers too. I...

    Read More
    By Pankaj Kumar
    On: Feb 06, 2020
  • All you need to do to solve all your health insurance related queries is get in touch with the customer care e...

    Read More
    By Prahlad Ahuja
    On: Feb 06, 2020
  • My red carpet plan which I purchased from insurancedekho last month, gets my parents covered for many benefits...

    Read More
    By Sakshi Soni
    On: Jan 24, 2020

Star Red Carpet Expert Review

  • Expert Review

    Different people have different requirements for health insurance, depending on their age. And as far as old age is concerned, it becomes difficult to purchase an affordable health insurance policy then. But with Star Health’s Senior Citizens Red Carpet Insurance Policy, you need to worry less. This policy completely solves your purpose of living a healthy life at old age.     

    Senior Citizens Red Carpet Health Insurance Policy is the optimum policy for the individuals aged between 60 to 75 years. Available on Individual Sum Insured and Family Floater Sum Insured basis, this plan offers choice in Sum Insured options ranging from Rs. 1 Lakh to Rs. 7.5 Lakh on Individual basis and from Rs. 10 Lakh to Rs. 25 Lakh on Family Floater basis. If compared to other senior citizens health insurance plans, the Sum Insured options, for instance, in Religare’s Care Senior Plan, start from a higher amount. But this plan allows you to get coverage for Sum Insured of even Rs. 1 Lakh. 

  • Major Attractions

    Star Health Senior Citizens Red Carpet Health Insurance comes with several advantages that addresses the critical health care requirements during old age. Some of them are listed below:

    • All daycare procedures are covered
    • Room, boarding and nursing expenses
    • Emergency ambulance charges up to a specified limit
    • Surgeon, Anesthetist, Specialist’s or Consultant’s fee up to 25% of the Sum Insured for every hospitalisation
    • Expenses for outpatient consultation in the network hospitals up to a specific limit
    • 60 days post-hospitalisation expenses for hospitalisation due to disease, illness or injury
    • 30 days pre-hospitalisation expenses for hospitalisation due to disease, illness or injury
    • Cost of health check-up up to the specified limit at the network hospital for every claim-free year
    • Anesthesia, Oxygen, Blood, cost of Pacemaker, OT charges, etc. up to 50% of the Sum Insured for every hospitalisation  
  • What’s More?

    No, that’s not all. The plan comes with certain added advantages. These aim at greater customer satisfaction and provide some monetary benefits to the policyholders. Some of them are-

    • Guaranteed renewals for lifetime
    • Tax benefits under Section 80D of the Income Tax Act
    • Both self and spouse can avail discount under Floater policies by submitting medical reports
    • Though the pre-insurance medical test is not necessary under this plan, a discount of 10% on the premium is allowed if some specified medical records of at the time of policy purchase are submitted
    • Cashless hospitalisation under network hospitals
  • Conclusion

    Now that you know the major advantages of Star Health’s Senior Citizens Red Carpet Health Insurance Plan, you may consider it as the most appropriate plan for senior citizens.

    There are other plans for the senior citizens in the market too. To compare them with this one, you may get in touch with the customer care executives of the leading health insurance broker, InsuranceDekho and know the pros and cons to decide better. So, if you want to buy your parents a health insurance policy with less premium and less Sum Insured, you may undoubtedly give this one thought after getting Need Analysis from InsuranceDekho!

Star Red Carpet Brochure

  • 232.25 KB
  • PDF Document
  • Mar 25, 2019

Claim Process at Star Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Red Carpet Health Insurance Plan

  • Who are eligible to have this insurance policy?

    Any person between 60 and 75 years of age at the time of entry can take this insurance policy.

  • What is the limit of grace period under this policy?

    A grace period of 30 days from the date of expiry of the policy is available for renewal. If renewal is made within this 30 day period, the continuity of benefits with reference to waiting periods will be allowed.

  • Will investing in this policy bring any tax benefit for me?

    Yes. If you make the payment of premium by any mode other than cash for this health insurance policy, you get eligible for relief under Section 80D of the Income Tax Act 1961.

  • Does this policy have the portability feature?

    Yes, the policy is portable. If someone seeks to port a plan to another insurer at the time of renewal, he or she must present a duly filled application form before the insurance firm at least before 45 days from the date of renewal.

  • How much amount is insured under this plan subject to the charges of oxygen, blood, OT etc.?

    Anesthesia, Blood, Oxygen, Operation Theatre charges, Cost of Pacemaker, etc., are covered up to 50% of the sum insured per hospitalisation.

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