Star Health Red Carpet Plan

Let's Get To Know The Product Better!

Star Health Red Carpet is a health insurance plan provided by the Star Health and Allied Insurance Company Limited and it is tailored specifically for elderly individuals or elderly couples. This specialised healthcare plan is crafted especially to meet the unique needs of senior citizens as they journey through their golden years. With a keen focus on addressing the distinctive health hurdles that come with ageing, you can rest assured knowing that your beloved parents will receive the essential medical attention they deserve, free from the worry of unforeseen financial strains.

What Are The Age Requirements To Be Eligible For The Plan?

Minimum Age Of Entry: 60 years
Maximum Age Of Entry: 75 years

Benefits And Limits of The Star Health Red Carpet Plan

In addition to covering inpatient hospitalisation expenses, which are hospitalisation expenses involving hospital stay exceeding 24 hours, the Star Health Red Carpet plan also includes other expenses. The inpatient expenses include covering room and boarding, nursing charges, the cost of prescribed medicines and drugs, medical practitioner's fees, ICU charges, and other related expenses. Here's a quick overview of some of the other expenses covered by the plan –

Pre & Post-Hospitalisation Expenses
The plan extends coverage to expenses incurred before hospital admission, referred to as pre-hospitalization expenses, for a duration of 30 days, up to the sum insured. Similarly, coverage for costs borne after discharge, known as post-hospitalization expenses, including medication, nursing, surgeon, consultant, and diagnostic charges, will be equivalent to 7% of the hospitalisation expenses for a period of 60 days. The maximum limit for such post-hospitalization expenses will vary based on the sum insured you choose.
Here’s what the maximum limits of post-hospitalisation expenses are based on the sum insured you choose for your plan -

Sum Insured (in Rs)	Post-hospitalisation Expenses Limits (in Rs)
1 Lakh to 7.5 Lakhs	Up to 5,000
10 Lakhs and 15 Lakhs	Up to 7,000
20 Lakhs and 25 Lakhs	Up to 10,000

It's important to note that these expenses will be covered by the insurer only if they are directly related to the condition for which you are hospitalised. Approval for these expenses must be obtained as part of the inpatient hospitalisation coverage.

Daycare Treatment Coverage
A daycare treatment can be explained as a medical procedure or surgery that previously necessitated an extended hospital stay but can now be accomplished within 24 hours because of advancements in medical technology. The Star Health Red Carpet plan comprehensively covers all daycare procedures without imposing any limit, ensuring that expenses are covered up to the sum insured.
Modern Treatment Coverage
The landscape of healthcare is swiftly advancing, propelled by technological breakthroughs that are revolutionising treatment options once deemed inconceivable. The Star Health Red Carpet Plan is meticulously crafted to keep pace with these innovations, providing coverage for the expenses associated with modern treatments. However, it's crucial to understand that specific sub-limits apply to various covered treatments, as detailed in the policy document.
Room Rent Limit
Room rent limit is the maximum amount that your insurance company will pay for the room you stay in while you're in the hospital. If you pick a room within your plan's limit, you won't need to pay anything extra. But if you choose a room with a higher rent, you'll have to pay some of the bill yourself. This means you'll have to pay a share of the total bill, not just the extra room cost. The Star Health Red Carpet plan sets specific limits on the room you can stay in at the hospital. The limit depends on how much coverage you choose. Here are the room rent limits for the plan -

Sum Insured (in Rs)	Maximum Allowance For Room Rent Per Day (in Rs)
1 Lakh to 5 Lakhs	Up to 1% of the sum insured
7.5 Lakhs and 10 Lakhs	Up to 6,000
15 Lakhs	Up to 7,000
20 Lakhs	Up to 8,500
25 Lakhs	Up to 10,000

Standout Features Of The Star Health Red Carpet Plan

OPD Coverage
Outpatient coverage in this plan shields you from expenses for consultations outside of hospital stays by providing extra funds. This means that even if you make a claim under this coverage, your main sum insured stays the same. It covers costs for outpatient consultations up to a set limit per person, depending on your chosen sum insured, with each consultation capped at Rs. 200, if done at a network hospital. Therefore, you can seek advice from your doctor for routine or minor health concerns, and the plan will cover it. However, this coverage is subject to various terms and conditions.
Annual Health Check-Up
As an added benefit, the plan covers the costs of undergoing a health checkup each claim-free policy year, up to a specified limit per person, determined by your selected sum insured. This means you can avail of these services only if you haven't made a claim in the previous policy year. Additionally, to qualify for this benefit, you must undergo the checkup at the insurer's network hospital. Keep in mind, this coverage is subject to various terms and conditions and eligibility criteria, so it's advisable to carefully review the policy details to prevent any unexpected surprises later on. Let’s take a look at the limits -

Sum Insured (in Rs)	Limit Per Person Per Policy Period For Policy With Sum Insured On Individual Basis (In Rs)	Limit For Policy With Sum Insured On Floater Basis Per Person (In Rs)	Limit For Policy With Sum Insured On Floater Basis Per Policy Period (In Rs)
5 Lakhs and 7.5 Lakhs	1,000	NA	NA
10 Lakhs and 15 Lakhs	2,000	2,000	3,500
20 Lakhs and 25 Lakhs	2,500	2,500	4,500

Understanding Waiting Periods

When you buy a health insurance policy, there is a certain period during which specific medical conditions or illnesses won't be covered. This duration is referred to as the waiting period. Once this waiting period concludes, you can start claiming for those health conditions. Waiting periods come in various types, and they include –

Initial Waiting Period
For the first 30 days after getting your health insurance, all medical conditions are not covered except accidents. During this period, you cannot claim for hospitalisation unless it is due to an accident.
Waiting Period For Pre-Existing Diseases
A pre-existing disease is explained as any medical condition or any illness that you have experienced within the 48 months prior to applying for the health insurance policy. With the Star Health Red Carpet plan, a waiting period of 12 months is applicable for pre-existing diseases. During this time, the plan will not cover any expenses related to your pre-existing conditions.
Waiting Period For Specific Diseases
Insurers maintain a specific list of medical conditions or illnesses, distinct from your pre-existing conditions, which entail a waiting period regardless of whether you've had those diseases previously. This waiting period is solely decided by the insurer and isn't influenced by your current health status. With the Star Health Red Carpet plan, there's a waiting period of 24 months for particular diseases.

What The Plan Doesn’t Cover?

Exclusions refer to situations not covered by your health insurance policy. These include –

Standard Permanent Exclusions: The IRDAI has set 'standard permanent exclusions' that all insurance companies must adhere to. Some of these include –
- Observation And Monitoring: Hospital stay for keeping an eye on your health.
- Rest, Cure, Rehabilitation, And Respite Care: Staying in a facility for rest without active treatment.
- Weight Control Or Obesity: Treatment or surgery to manage weight or deal with obesity.
- Gender Change Treatment: Treatment to change physical characteristics to the opposite sex.
- Plastic/Cosmetic Surgery: Surgery to change body characteristics or appearance.
- Hazardous Or Adventure Sports Profession: Treatment costs while participating professionally in activities like river rafting, mountaineering, scuba diving, horse racing, etc.
- Breach Of Law: Expenses for treating someone involved in a criminal act.
- Excluded Providers: Treatments from a medical practitioner or hospital not covered by the insurance company.
- Narcotics: Treatment for addictive conditions like alcohol, drug addiction, etc.
- Establishments For Domestic Purposes: Treatment expenses in health spas, nursing homes, or similar places arranged for domestic reasons.
- Dietary Supplements Without Prescription: Costs for vitamins, minerals, etc., not prescribed by a doctor.
- Refractive Error: Costs for correcting eyesight up to 7.5 diopters.
- Unproven Treatments: Surgeries or medical procedures not proven to be effective.
- Birth Control And Infertility: Contraception, sterilisation, artificial insemination, reproductive technologies like IVF, ZIFT, GIFT, ICSI, gestational surrogacy, etc.
- Maternity Expenses: Costs for pre/post-natal care, hospitalisation during childbirth, etc.
Additional Permanent Exclusions: Keeping aside the standard permanent exclusions mentioned above, insurance companies might add extra exclusions for specific situations or medical conditions. Like, for instance, you have certain diseases or severe medical conditions, insurers might deem it too risky to cover, and they may permanently exclude them from your plan. However, it's important to note that insurers are restricted to a list of illnesses specified by IRDAI for which they can impose a permanent exclusion.
Non-Standard Exclusions (Specific exclusions): These exclusions are particular exceptions that extend beyond the standard permanent exclusions outlined by the IRDAI. They can differ among insurance companies and may hinge on the specific terms and conditions of the policy. Here's a compilation of some key specific exclusions under the Star Health Red Carpet Plan -
- Congenital External Conditions/Defects/Anomalies.
- Convalescence, general debility, run-down condition, and nutritional deficiency states.
- Intentional self-harm.
- Injury/disease resulting directly or indirectly from war, invasion, acts of foreign enemies, or warlike operations (whether declared or not).
- Injury or disease resulting directly or indirectly from nuclear weapons/materials.
- Unconventional, untested, experimental therapies.
- Biologicals, except when administered during inpatient treatment when clinically indicated and hospitalisation warranted.
- Inoculation or Vaccination (except for post-bite treatment and medical treatment for therapeutic reasons).
- Expenses for treatment of diseases/illnesses/accidental injuries by systems of medicine other than allopathy.

A Quick Summary

Product Benefits	Coverage Limits
Pre Hospitalisation Expenses	Coverage for a duration of 30 days, up to the sum insured.
Post Hospitalisation Expenses	Coverage equivalent to 7% of the hospitalisation expenses for a period of 60 days. Maximum limits for post-hospitalization expenses vary based on the sum insured you choose - For sum insured of Rs. 1 Lakh to 7.5 Lakhs - Up to Rs. 5,000. For sum insured of Rs. 10 Lakhs and 15 Lakhs - Up to Rs. 7,000. For sum insured of Rs. 20 Lakhs and 25 Lakhs - Up to Rs. 10,000.
Daycare Treatment Coverage	All treatments covered up to the sum insured.
Modern Treatment Coverage	Covered with specific sub-limits applicable to various covered treatments, as detailed in the policy document.
Room Rent Limit	Specific limits on the room based on coverage amount chosen. For sum insured of Rs. 1 Lakh to 5 Lakhs – Up to 1% of the total sum insured. For sum insured of Rs. 7.5 Lakhs and 10 Lakhs – Up to Rs. 6,000. For sum insured of Rs. 15 lakhs – Up to Rs. 7,000. For sum insured of Rs. 20 Lakhs - Up to Rs. 8,500 For sum insured of Rs. 25 Lakhs - Up to Rs. 10,000
Pre-Existing Diseases	Covered after a 12-month waiting period
Specific Diseases	Covered after a 24-month waiting period

Here Are The Brochure And Policy Wording Links!

FAQs

What is the maximum cover one can opt for under the Star Health Red Carpet plan?
The maximum cover amount you can opt for under the Star Health Red Carpet plan is Rs. 25 lakhs.
Does Star Health Red Carpet have room rent restrictions?
Yes, Star Health Red Carpet plan imposes sub-limits on the hospital room depending on the sum insured you opt for -

Sum Insured (in Rs)	Maximum Allowance For Room Rent Per Day (in Rs)
1 Lakh to 5 Lakhs	Up to 1% of the sum insured
7.5 Lakhs and 10 Lakhs	Up to 6,000
15 Lakhs	Up to 7,000
20 Lakhs	Up to 8,500
25 Lakhs	Up to 10,000

Does the Star Health Red Carpet plan cover AYUSH treatments?
No, the plan doesn’t cover expenses incurred toward AYUSH treatment or alternative treatment.
Are consumables covered under the Star Health Red Carpet plan?
Unfortunately, no. There is no coverage for costs associated with consumables or non-medical items under the Star Health Red Carpet plan.
Does the Star Health Red Carpet plan cover domiciliary treatments?
No, the plan does not cover expenses associated with domiciliary treatment, i.e., treatment taken at home.