Sum insured / coverIndividual options are ₹1 lakh, ₹2 lakh, ₹3 lakh, ₹4 lakh, ₹5 lakh, ₹7.5 lakh, ₹10 lakh, ₹15 lakh, ₹20 lakh and ₹25 lakh. Floater (self and spouse) options are ₹10 lakh, ₹15 lakh, ₹20 lakh and ₹25 lakh.View source

The current Star Health page lists the complete individual and self-and-spouse floater sum-insured options.

Source: Senior Citizens Red Carpet Health Insurance — Star Health
Page / section: Plan essentials — Flexible Sum Insured
Accessed: 28 Aug 2026
Confidence: high

Open official source ↗

CoveragePre-existing diseases and outpatient medical consultationsView source

The benefits section explicitly lists these covers.

Source: Senior Citizens Red Carpet Health Insurance Policy
Page / section: Benefits
Accessed: 20 Aug 2026
Confidence: high

Open official source ↗

Pre-insurance testNo pre-insurance medical test requiredView source

The benefits section says no pre-insurance medical test is required.

Source: Senior Citizens Red Carpet Health Insurance Policy
Page / section: Benefits
Accessed: 20 Aug 2026
Confidence: high

Open official source ↗

Senior Citizens Red Carpet eligibilityEntry is available from age 60 through 75 years, with continuing cover and guaranteed lifetime renewals. The sum insured applies per individual member covered.View source

The official Benefits and Eligibility sections publish age, renewal and per-member rules.

Source: Senior Citizens Red Carpet Health Insurance Policy
Page / section: Benefits / Eligibility
Accessed: 23 Aug 2026
Confidence: high

Open official source ↗

Senior Citizens Red Carpet benefitsThe policy requires no pre-insurance medical test, covers pre-existing diseases, includes outpatient medical consultations and offers a maximum sum insured of ₹25 lakh.View source

The official Benefits section publishes the medical-test, pre-existing disease, outpatient and sum-insured features.

Source: Senior Citizens Red Carpet Health Insurance Policy
Page / section: Benefits
Accessed: 23 Aug 2026
Confidence: high

Open official source ↗

Policy termThe policy is available for one-year, two-year or three-year terms and can be renewed; the product also offers guaranteed lifelong renewal subject to the policy terms.View source

The official page states that the policy term is 1, 2 or 3 years and describes lifelong renewal for eligible senior citizens.

Source: Senior Citizens Red Carpet Health Insurance — Star Health
Page / section: Policy term and Plan essentials
Accessed: 28 Aug 2026
Confidence: high

Open official source ↗

Waiting periodThe initial waiting period is 30 days (accidents are covered from day one); specified diseases or procedures have a 24-month wait; pre-existing diseases and complications are covered after 12 months when declared and accepted.View source

The current product page publishes 12 months for pre-existing diseases, 24 months for specified diseases/procedures and 30 days initial waiting period except accidents.

Source: Senior Citizens Red Carpet Health Insurance — Star Health
Page / section: Waiting Period
Accessed: 28 Aug 2026
Confidence: high

Open official source ↗

PremiumThe prospectus premium chart (excluding GST, after long-term discount) lists individual premiums for 1/2/3 years: ₹1 lakh ₹6,100/₹11,590/₹16,928; ₹2 lakh ₹10,700/₹20,330/₹29,693; ₹3 lakh ₹15,250/₹28,975/₹42,319; ₹4 lakh ₹18,300/₹34,770/₹50,783; ₹5 lakh ₹20,315/₹38,599/₹56,374; ₹7.5 lakh ₹22,755/₹43,235/₹63,145; ₹10 lakh ₹25,030/₹47,557/₹69,458; ₹15 lakh ₹29,285/₹55,642/₹81,266; ₹20 lakh ₹32,800/₹62,320/₹91,020; ₹25 lakh ₹36,080/₹68,552/₹1,00,122. Floater premiums for ₹10/15/20/25 lakh are ₹40,050/₹76,095/₹1,11,139; ₹46,855/₹89,025/₹1,30,023; ₹52,480/₹99,712/₹1,45,632; and ₹57,730/₹1,09,687/₹1,60,201 respectively.View source

The official prospectus publishes individual and floater premium rows for every available sum insured and all three policy terms; values are gross premium excluding and reflect the stated long-term discount.

Source: Senior Citizens Red Carpet Health Insurance — Star Health prospectus
Page / section: Premium Chart (Excluding Tax)
Accessed: 28 Aug 2026
Confidence: high

Open official source ↗

Key exclusionsThe current Star Health page lists cosmetic or plastic surgery, change-of-gender treatment, intentional self-injury, treatment resulting from hazardous or adventure sports, alcohol or drug-abuse treatment and congenital external conditions/defects/anomalies as exclusions. The prospectus and policy wording also contain the complete coded exclusion schedule, including the applicable waiting-period exclusions and expenses not medically necessary.Effective 6 Apr 2026View source

The current product page lists cosmetic or plastic surgery, change-of-gender treatment, intentional self-injury, hazardous/adventure sports, alcohol or drug abuse and congenital external conditions/defects/anomalies under exclusions; it directs readers to the policy wording for the detailed list.

Source: Senior Citizens Red Carpet Health Insurance Policy — Star Health
Page / section: Exclusions in the Policy
Accessed: 29 Aug 2026
Confidence: high

Open official source ↗

Geographic limitsPre-existing diseases and outpatient medical consultationsView source

The manually reviewed product record states: “Pre-existing diseases and outpatient medical consultations”.

Source: Senior Citizens Red Carpet Health Insurance Policy — official product page
Page / section: Published product metadata
Accessed: 20 Aug 2026
Confidence: high

Open official source ↗

Benefits and features

Pre-existing diseases and outpatient medical consultations

Eligibility

Entry is available from age 60 through 75 years, with continuing cover and guaranteed lifetime renewals. The sum insured applies per individual member covered.

Passing a listed condition does not mean the bank will approve an application.

Try the numbers

Private, instant and based on the values you enter.

Try your numbers

Life-cover needs estimate

See whether your current cover and savings may leave a gap for your family. This does not calculate an insurance premium.

Yearly household income to replaceThe income your family may need to replace.₹ten lakh rupees₹1,00,000₹1,00,00,000Years of income neededHow long your family may need that replacement income. years1 years30 yearsLoans still to be paidHome loans and other debts the cover may need to clear.₹twenty lakh rupees₹0₹5,00,00,000Cover and savings already availableExisting life cover and money already set aside for the family.₹five lakh rupees₹0₹5,00,00,000

Possible cover gap₹1,15,00,000one crore fifteen lakh rupees

Income your family may need₹1,00,00,000one crore rupees

Cover and savings already counted₹5,00,000five lakh rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

Exclusion

Cosmetic / plastic surgery · Published treatmentExcluded unless covered under a stated policy exception

This value is copied from Senior Citizens Red Carpet — published exclusion summary. Check the table notes before relying on it.

Source: Senior Citizens Red Carpet Health Insurance Policy — Star Health · Exclusions in the Policy Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 7 rows · 2 columnsSenior Citizens Red Carpet — published exclusion summaryNamed exclusions from the current Star Health page; the full coded list remains in the cited prospectus and policy wording.View tableHide table

Scroll sideways to view every column

Senior Citizens Red Carpet — published exclusion summary
Exclusion	Published treatment
Cosmetic / plastic surgery	Excluded unless covered under a stated policy exception
Change-of-gender treatment	Excluded
Intentional self-injury	Excluded
Hazardous or adventure sports	Resulting treatment is excluded
Alcohol or drug abuse	Resulting treatment is excluded
Congenital external conditions	Conditions, defects and anomalies are excluded
Other coded exclusions	See the complete prospectus and policy wording before relying on cover

Waiting periods are recorded separately in the canonical waitingPeriod fact.
The insurer's current policy wording controls claims interpretation.

Senior Citizens Red Carpet Health Insurance Policy — Star Health · Exclusions in the Policy · effective 6 Apr 2026 · accessed 29 Aug 2026Open official source ↗

Related products

Accident Care Individual Insurance Policy

Individual or family personal-accident cover underwritten by Star Health, with accidental death, permanent and temporary disablement, cumulative bonus and optional medical, hospital-cash and home-convalescence benefits.

View product

Arogya Sanjeevani Policy - National

A standard National Insurance indemnity health policy distributed through Bank of Baroda, available on an individual or floater basis with ₹1 lakh–₹5 lakh sum-insured options, hospitalisation and day-care cover, 5% co-pay, published waiting periods, full premium matrices and lifelong renewability.

View product

Auto Secure Private Car Package Policy - TATA AIG

Tata private-car package motor insurance distributed through Bank of Baroda. It combines own-damage cover for accident, fire, theft, natural and social perils with third-party liability, owner-driver personal accident cover, an -based vehicle sum insured and optional add-ons such as depreciation reimbursement, hire car, engine, tyre, roadside and misfuelling assistance.

View product

Auto Secure Two-Wheeler Package Policy - TATA AIG

Tata two-wheeler motor insurance distributed by Bank of Baroda, with liability-only or comprehensive cover, -based own-damage protection, owner-driver personal accident cover, published depreciation schedules and optional roadside, medical, invoice, consumable, personal-accident, engine, electric-surge, battery and tyre/rim covers.

View product

Senior Citizens Red Carpet Health Insurance Policy

What the official sources publish

Benefits and features

Eligibility

Related official documents

Try the numbers

Life-cover needs estimate

Find the exact published value

Complete rates, limits and schedules

Related products

Accident Care Individual Insurance Policy

Arogya Sanjeevani Policy - National

Auto Secure Private Car Package Policy - TATA AIG

Auto Secure Two-Wheeler Package Policy - TATA AIG