Network hospitals
14000+
Incurred claim ratio
65%
Sum insured
Up to 2 CR
No. of Plans
24
Solvency Ratio
2.0
Pan India Presence
850+
Network hospitals
14000+
Incurred claim ratio
65%
Sum insured
Up to 2 CR
No. of Plans
24
Solvency Ratio
2.0
Pan India Presence
850+
Star Health Insurance for Senior Citizens is exclusively designed for senior citizens who want to meet high medical costs by paying a yearly premium. Besides, if you are someone who has just entered the second innings of life this can be the best option for you. Star Health insurance for senior citizens can come to your aid during a medical emergency. Ideally, you should invest in the Star Senior Citizens health plan as early as possible, so that your senior citizen parents can avail health benefits in the later stage of life.
Star Senior citizen health insurance plans are specially designed to cover people aged over 60 years. Available on an individual or family floater basis, these plans offer utmost protection to elderly people in their old age.
Star Health Insurance Plan Detailed Review
All about Star Health Insurance and Plans
Star Health Senior Citizen Red Carpet Plan
Minimum: 60 Years
75 Years
Individual / Family Floater
1 / 2 / 3 year
1 L | 2 L | 3 L | 4 L | 5 L | 7.5 L | 10 L | 15 L | 20 L | 25 L
30 Days
Here are some of the most important features of the Star Health Insurance senior citizens policy:
Star Health Insurance comes with a comprehensive senior citizen plan. The details of the plan are as follows:
The plan is specially designed for those individuals who are willing to secure their old-age medical needs after their retirement.
Unique Features
Star Health Insurance for senior citizens comes loaded with many benefits to provide all round protection to your parents. Let's have a look at the prominent benefits of the policy.
Star Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Star Health Insurance ensures that you are medically secured, irrespective of the city you reside in.
Other than the benefits, the policy provides some extra services. Read along to know more.
Star Health Insurance for senior citizens come with the following inclusions:
In-patient hospitalization cover
Post-hospitalization expenses
Out-patient medical consultations
Emergency ambulance charges
Daycare procedures
Pre-hospitalization expenses
Modern treatments
The following coverage is excluded under Star Health Insurance for senior citizens:
HIV AIDS
Sexually transmitted diseases
Self-inflicted injuries
Depression and mental disorders
Treatment for the overdose of drug and alcohol consumption
Cosmetic and aesthetic treatments
Dental treatment or surgery
Change-of-gender treatment
Treatments necessitated due to participation in hazardous or adventure sports.
Congenital external condition/defects/anomalies
To cater to the different medical needs of an individual & their family, Star Health offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to explore more:
Comprehensive
This policy is designed to provide complete protection against all health care eventualities to you and your family.
Unique Features
Comprehensive
The plan is ideal for the families who want to get covered under single sum insured.
Unique Features
Youth-specific
Created for young individuals under 40 years of age. It also offers various benefits such as discounts on renewals, incentive-led wellness programs, lowest waiting periods.
Unique Features
Protection Plan
This plan is designed to enhance your base health policy’s sum insured to provide maximum coverage for room rent, modern treatment, etc.
Unique Features
Standard
A standard health plan mandated by IRDAI that covers all essential healthcare benefits including Ayush treatment, day care procedures, etc. for individuals and families.
Unique Features
Comprehensive
A uniquely designed insurance policy that covers organ donor expenses up to sum insured, AYUSH treatments, modern treatments, and many more.
Unique Features
Flexible
Provides flexibility in terms of choosing the Sum Insured amount, premium amount, family size. It can be a perfect tax saver for you.
Unique Features
Individual Plan
A unique health plan for individuals above the age of 50 years with no upper age entry limit. The plan comes with a high SI.
Unique Features
Women Care
A special plan designed for women, wherein women can avail multifold benefits along with the coverage to the whole family.
Unique Features
Senior Citizen
The plan is specially designed for those individuals who are willing to secure their old-age medical needs after their retirement.
Unique Features
Top-up
The plan offers additional coverage to the policyholder in case their existing coverage is exhausted.
Unique Features
Critical Illness
Provides reimbursement of hospitalization expenses and also provides a total amount of sum insured if the insured person is diagnosed with a major illness.
Unique Features
Care Policy
A unique plan designed for cardiac care with a wide range of sum-insured options and flexible payment options
Unique Features
Affordable Plan
It is designed to care for your incidental expenses such as travel, food, etc. that are not covered under your Health Insurance Policy in the event of Hospitalization.
Unique Features
Cardiac
Star Cardiac Care is ideal for those individuals who want to cover the expenses of cardiac & non-cardiac ailments.
Unique Features
Cancer care
Covers the risk of spreading/recurrence of first cancer (metastasis) & second cancer (second malignancy)
Unique Features
Autism Spectrum Disorder
Star Special Care provides coverage to children (3 years to 25 years) who are diagnosed with Autism Spectrum Disorder.
Unique Features
Individual Plan
An individual and floater basis rural plan with SI of 1 lakh and 2 lakh respectively. Comes with installment on premiums and lifelong renewal.
Unique Features
Individual Plan
An OPD coverage policy with an individual and family floater option and 4 SI variants. Comes with 3 plan variants: Silver, Gold and Platinum.
Unique Features
Individual Plan
An accidental coverage policy for individuals and families and comes with high sum insured. The policy gives cumulative bonus and multiple discounts.
Unique Features
Individual Plan
Special Care Gold is a special product tailored specifically for individuals with disabilities and those who are HIV/AIDS positive.
Unique Features
COVID-19
This plan is for individuals who want to protect themselves and their families against the deadliest virus of Covid-19.
Unique Features
COVID-19
It covers the cost of hospitalization if the policyholder tested positive for COVID-19.
Unique Features
COVID-19
This policy offers 100% sum insured to the policyholder if he/she tested positive for COVID-19.
Unique Features
Accident Plan
A new-age plan with loaded benefits covering hospitalization expenses arising due to illness or accident.
Unique Features
Individual Plan
A specified plan for Type 1 or Type 2 Diabetes with flexible plan options. Offers automatic sum restoration with accident cover.
Unique Features
Platinum Plan
A cancer oriented policy which offers all-round protection and covers the high medical bills of the disease.
Unique Features
Critical Plan
A critical illness policy providing lump sum benefit on diagnosis of Critical illnesses related to Cancer, Heart, Brain & Nervous System, and Major Organs.
Unique Features
Critical Plan
A truly smart health plan launched by Star Health Insurance offering tailored healthcare solutions with a high sum insured of up to INR 1 crore.
Unique Features
Protection Plan
Star Extra Protect is an add-on Cover that enhances the limits of existing covers in addition to offering new features to the base policy
Unique Features
Old age makes people more prone to diseases and illnesses. Though falling ill is evident with aging, a health insurance plan ensures that all medical expenses are taken care of without a hassle.
A discount of 10% for lifetime healthy individuals on producing medical reports & accepted by Star Health Insurance for Senior citizens. The proposer needs to produce the following documents:
Asking elderly people to visit multiple times to diagnose will not be appreciated. So, pre-insurance medical screening is not required for any sum insured opted by the person.
Yes, Star Senior Citizens Red Carpet Health Insurance comes with sub-limits for cataract surgery, major surgeries and a few other treatments.
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Naval Goel is the CEO & founder of PolicyX.com. Naval has an expertise in the insurance sector and has professional experience of more than a decade in the Industry and has worked in companies like AIG, New York doing valuation of insurance subsidiaries. He is also an Associate Member of the Indian Institute of Insurance, Pune. He has been authorized by IRDAI to act as a Principal Officer of PolicyX.com Insurance Web Aggregator.
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