Star Health Senior Citizens Red Carpet
Star Health · health insurance
“Why waste time say lot word, when few word do trick?”
Easy to get at 60-75 and the pre-existing wait is only 12 months, but you pay 30% of every claim and room rent is capped. Treat it as a fallback when a parent cannot get a fuller plan.
- Not scored yet
- Pricing band: Quote-based (age, city and cover)
- Best for: senior-citizens
Key facts
- Score
- Not scored yet
- Pricing
- Quote-based (age, city and cover)
- Best for
- senior-citizens
Plan details from the policy wording
Product UIN SHAHLIP26041V082526. Checked on 2026-10-18.
| Sum insured options | Individual Rs 1L to 7.5L; individual or floater Rs 10L, 15L, 20L, 25L |
|---|---|
| Entry age | 60 to 75 years; lifelong renewal |
| Room rent | Up to 1% of sum insured a day (Rs 1L-5L); Rs 6,000 (7.5L-10L); Rs 7,000 (15L); Rs 8,500 (20L); Rs 10,000 (25L). ICU up to 2% of sum insured to Rs 10L, actuals above |
| Co-payment | 30% on all claims |
| Pre-existing disease wait | 12 months |
| Initial waiting period | 30 days |
| Specific illness wait | 24 months |
| Restoration / reset | Not yet verified |
| No-claim / cumulative bonus | Not yet verified |
| Pre / post hospitalisation | 30 days before; after discharge 7% of hospitalisation expenses, capped at Rs 5,000-10,000 depending on sum insured |
| Day care | All day care procedures |
| AYUSH | Covered up to sum insured |
| Notable optional add-ons | Out-patient consultations in network hospitals (Rs 200 per visit, within limits); sub-limits apply to listed conditions such as cataract and cancer |
Sources
- Senior Citizens Red Carpet Health Insurance Policy brochure, UIN SHAHLIP26041V082526
- Senior Citizens Red Carpet prospectus
Insurers revise wordings. The policy wording issued with your policy is what counts, so check it before you buy.
Detailed review
Pros
- Accepts new buyers up to age 75 with lifelong renewal
- Pre-existing disease wait is only 12 months
Cons
- 30% co-payment on every claim
- Room rent is capped (1% of sum insured a day up to Rs 5 lakh), with proportionate deduction above the cap
- Post-hospitalisation is only 7% of the hospital bill, capped at Rs 5,000-10,000
- Disease-wise sub-limits on cataract, cancer, cardiac and other listed conditions
Our verdict
tldr.money editorial score: Not scored yet
Easy to get at 60-75 and the pre-existing wait is only 12 months, but you pay 30% of every claim and room rent is capped. Treat it as a fallback when a parent cannot get a fuller plan.
This is our editorial assessment, not a customer rating, and we do not publish testimonials. See how we score.
Alternatives to compare
| Criteria | Star Health Senior Citizens Red Carpet | Star Comprehensive | Star Health Assure |
|---|---|---|---|
| Score | Not scored yet | 7.7/10 | Not scored yet |
| Pricing | Quote-based (age, city and cover) | Rs 15k-30k | Quote-based (age, city and cover) |
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FAQ
Does Star Health Senior Citizens Red Carpet have a room-rent limit?
Up to 1% of sum insured a day (Rs 1L-5L); Rs 6,000 (7.5L-10L); Rs 7,000 (15L); Rs 8,500 (20L); Rs 10,000 (25L). ICU up to 2% of sum insured to Rs 10L, actuals above. Source: Senior Citizens Red Carpet Health Insurance Policy brochure, UIN SHAHLIP26041V082526.
What are the waiting periods in Star Health Senior Citizens Red Carpet?
Initial: 30 days. Pre-existing diseases: 12 months. Specific illnesses: 24 months.
Is there a co-payment in Star Health Senior Citizens Red Carpet?
30% on all claims
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