Insurance Company
Star Health & Allied Insurance
Policy Name
Senior Citizens Red Carpet
Expert Overview -
Star Health was established in 2006 and is one of India’s earliest standalone health insurance companies. With extensive experience in health-focused underwriting, it has built wide hospital networks and strong market presence.
Plan Strategy -
Senior citizen health insurance policy for ages 60-75 with only 12-month pre-existing disease waiting but 30% co-payment on all claims and detailed sub-limits
Network Hospitals
14,000+
>8,500 recommended
Claim Ratio
86.13%
>95% recommended
Complaints
52.657
<20 recommended
Policy Features
Policy Analysis Detail
Inbuilt Value
Strategic Verdict
Co-payment
If yes, you will have to pay part of bill
30% of each bill to be paid by customer
No Co-payment
Room Rent Limit
If higher-category room, you pay part of the bill
Room rent capped
No room rent capping
Disease sub-limit
Leads to some disease not getting covered fully
Sub limits on specified diseases
No sub-limit
No Claim Bonus
Bonus you receive every year on renewal
50% each year (Minimum upto 100%)
Restoration Benefit
Even after claim, base cover gets restored
No restoration benefits
100% restoration once in a year
Pre-Hospitalization
Days covered before hospitalization
30 days
At least 60 days
Post-Hospitalization
Days covered after hospitalization
60 days
At least 120 days
Consumables
Coverage for non-medical consumable items
Non-medical consumables excluded
Consumables covered
Based on IRDAI Public Disclosures (2025-26)
Timing Constraints
Waiting Period Analysis
Initial Waiting Period
30 days
Specific Illness
2 years
Pre-Existing Disease
3 years
