Star Health Red Carpet senior citizen plan: what the wording says
Senior Citizens Red Carpet (UIN SHAHLIP26041V082526) has a 30% co-payment on every claim. Pre-existing diseases wait only 12 months. The bill is capped in several places: room rent by sum insured, surgeon and doctor fees at 25% of the sum insured per stay, and medicines, theatre and tests at 50%. Post-hospital cover is 7% of the hospital bill up to a cap. There is no cumulative bonus and no restoration.
The caps on each hospital stay
| Item | What the wording says |
|---|
| Co-payment | 30% of every claim. |
|---|
| Room | 1% of the sum insured a day up to ₹5 lakh cover; ₹6,000 a day at ₹7.5 to 10 lakh; ₹7,000 at ₹15 lakh; ₹8,500 at ₹20 lakh; ₹10,000 at ₹25 lakh. |
|---|
| ICU | 2% of the sum insured a day up to ₹10 lakh cover; actuals from ₹15 lakh. |
|---|
| Surgeon, doctor and specialist fees | Up to 25% of the sum insured per stay. |
|---|
| Medicines, theatre, tests, implants | Up to 50% of the sum insured per stay. |
|---|
| Before a hospital stay | 30 days. |
|---|
| After a hospital stay | 7% of the hospital bill, capped at ₹5,000 to ₹10,000 by sum insured. No day limit. |
|---|
| Road ambulance | ₹600 to ₹1,500 per hospitalisation by sum insured. |
|---|
Waiting periods
| Waiting period | What the wording says |
|---|
| Any illness after you first buy | 30 days. Accidents are covered from day 1. |
|---|
| Pre-existing diseases | 12 months. |
|---|
| Listed illnesses and surgeries | 24 months. |
|---|
What it does not have
- No cumulative bonus and no restoration.
- No organ donor cover.
- Items a hospital bill normally leaves out are not paid.
Frequently asked questions
What is the co-payment in Star Health Red Carpet?
30% of every claim.
What is the pre-existing disease waiting period in Red Carpet?
12 months of continuous cover.
Does Red Carpet have a room-rent limit?
Yes. It is 1% of the sum insured a day up to ₹5 lakh cover, then fixed amounts from ₹6,000 to ₹10,000 a day for higher covers.
Can I increase the sum insured for parents on Red Carpet?
Any increase is subject to the insurer's acceptance at renewal, and the waiting periods start again for the increased amount.
Compare these plans clause by clause
Where this comes from
- Star Senior Citizens Red Carpet Health Insurance Policy wording, UIN SHAHLIP26041V082526. Clauses Section 1 A to G (room, ICU, fees, ambulance, pre and post), M co-payment, Excl01, Excl02.
Checked against the wording on 2026-10-09.
Terms on this page, explained
Related
All plans