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Last updated on: September 23, 2025
The Star Senior Citizen Red Carpet Plan and Star Young Gold Plan are health insurance products from Star Health, designed for different age groups. The Senior Citizen Red Carpet Plan specifically caters to individuals aged 60 and above, offering coverage for pre-existing diseases without medical tests and tailored benefits like higher co-payment and specific age-related features. In contrast, the Young Gold Plan targets individuals aged 18 to 40 years, emphasizing modern features like wellness benefits, lower waiting periods, and cashless OPD. While both plans provide hospitalization coverage and optional add-ons, the Red Carpet Plan suits elderly applicants prioritizing age-specific health needs, whereas the Young Gold Plan is ideal for younger adults seeking comprehensive, flexible, and preventive health solutions. Choosing between the two depends on your age, health needs, and desired policy features.
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The process of choosing the appropriate health insurance policy in India depending on your age and health requirements may be a bewildering experience. The families nowadays seek the plans that will provide them with the stability, great hospital coverage, and special benefits depending on the age group. Star Health Insurance has two extremely popular policies namely the Star Senior Citizen Red Carpet Plan and the Star Young Gold Plan. You are looking to get health cover to cover the ageing parents or you are a young professional, it is important to have these plans before you purchase them so that you are assured of peace of mind and financial security.
This 2025 guide provides a concise, professional plan comparison of both plans with characteristics, eligibility, advantages, and disadvantages, and professional guidance, so you are very much assured to discover the most suitable one to your needs.
Star Senior Citizen Red Carpet Plan is a designed plan aimed at individuals older than 60 years. It deals with offering holistic health cover to elderly citizens who might have other underlying health issues or age predispositions.
The Star Young Gold Plan on the other hand is aimed at persons aged 18-40. This is to cater to the young adults, newly married couples and small families seeking broader medical protection, such as maternity benefits, wellness benefits.
Does Star Health Red Carpet work with 65 years old?
Yes, the plan will be aimed at individuals to the age of entry of 75 and lifelong renewal.
Star Senior Citizen Red Carpet Plan is restricted to individuals between 60-75 years on joining. It is the policies of the seniors, and the ones under 60 are not eligible to take this policy.
Star Young Gold Plan is only designed to cover 18-40 years. The proposers over 40 at renewal have the option to continue and not enter.
The two policies permit lifetime renewals, which gives additional protection regardless of the plan that you settle.
These two policies are markedly different in their strengths but they have entirely different objectives:
Did you know?
Star Young Gold policy has now been modified to facilitate digital health monitoring through the use of Star Health mobile app, offering premium discounts in maintenance of healthy lifestyle.
Selecting an appropriate plan involves examining the coverage and benefits amount that is appropriate based on age and medical profile.
Is Star Red Carpet cashless?
Yes, it is going to be cashless in more than 13000 network hospitals in India.
Waiting intervals are important particularly in cases of pre existing diseases that are prevalent in the elderly. Let’s look at both:
Senior Citizen Red Carpet Plan normally has a 12 month waiting period of any pre existing diseases, claims on this pre existing diseases are then allowed. Some of the treatments listed (such as cataract, joint replacement) have a longer waiting time.
Young Gold Plan also includes waiting periods on certain illnesses however, the plan is more centered on the wellness and future health. Maternity cover also has a 12 month wait period.
Expert’s insight
The waiting period policy has the capability to influence early settlement on claims. Never make a choice of plan before reviewing your medical history and consulting your advisor about waiting terms.
Most elderly people are concerned about medical examinations as they grow older.
It is not mandatory that Senior Citizen Red Carpet Plan will make pre-policy medical checkups to join it as long as the insured persons are in a position to present a recent medical report, although it varies depending on the underwriter.
Young Gold Plan since it applies to the younger population, most of the times does not require any type of testing unless stated health conditions.
Making a choice is a factor of considering the advantages and constraints to your convenience.
Would I keep working at Star Young Gold after age 40?
Yes, the current policyholders can still renew the plan even after the 40 years limit.
Both plans have around 13000 plus cashless hospitals.
The high likelihood of higher claims by the age group makes Senior Citizen Red Carpet Plan not offer any no claim bonus.
Young Gold Plan will not receive claim bonus up to 100 percent and, as well, the premium discount on the event of their participation in their wellness or fitness programs. This may take the form of a direct saving in case you are fit and have to make few or no claims.
Top illustrations (2025, according to market averages regarding individual cover):
| Plan | Entry Age | Sum Insured | Annual Premium (Est.) | Co Payment |
|---|---|---|---|---|
| Senior Citizen Red Carpet | 65 | INR 10 lakhs | INR 44000 | 30 percent. |
| Senior citizen red carpet | 70 | INR 25 lakhs | INR 92,000 | 30 percent |
| Young Gold | 30 | INR 10 lakhs | INR 14,000 | 0 percent. |
| Young Gold Plan | 35 | INR 25 lakh | INR 24,000 | 0 percent. |
Red Carpet also has a compulsory co payment of 30 percent on any claims, which implies that the insured is required to pay some portion of the medical bills. Young Gold Plan is not subject to any compulsory co payment except in some special conditions such as overseas claims.
The two plans do not include claims that are made due to particular incidents such as cosmetic surgeries, self mutilation, or non approved surgeries. Certain exclusions and restrictions could be in place such as
Did you know?
The IRDAI guidelines will promote more open disclosures on exclusions in the year 2025 and thus, all applicants will receive a list of dos and dons during policy formation.
The two products appeal to the different needs.
And in the case of people over 60, or who are purchasing as an agent of aged parents, Senior Citizen Red Carpet Plan comes into play, particularly when other insurance companies are unwilling to cover them because of their age or history.
Young adults, those who are planning their family in future, and care about their wellness and high sum insured should have Young Gold Plan.
When there are young and old members in your family, it is better to have a family floater that has the seniors and the young adults separately since this will have the best prices.
Star Senior Citizen Red Carpet Plan of 60 years and above without medical examinations, up to 25 lakh cover, pre existing diseases within one year, 30 percent co payment.
Star Young Gold Plan 18 to 40 years to cover up to 1crore, maternity, wellness, OPD, fitness reward, no co payment, high no claim bonus.
Decide on age, health, family status, and what one wants in 2025.
| Characteristic | Senior citizen Red Carpet | Young gold plan. |
|---|---|---|
| Entry Age | 60 to 75 years | 18 to 40 years |
| Highest Sum Insured | INR 25 lakh | INR 1 crore |
| Pre Existing Disease Reimbursement | After 1 year | After waiting period. |
| Maternity Cover | No | Yes |
| Wellness/O.P.D | Minimal | Extensive. |
| No Claim Bonus | No | Up to 100 percent. |
| Co Payment | 30 percent | Nil |
| Room Rent Limit | Limit up to INR 10,000 | Limit up to high cover. |
| Renewal | Lifelong | Lifelong |
What plan includes maternity coverage?
Only Star Young Gold Plan gives cover to maternity and newborn baby, after the 12 month waiting period.
Is it possible to purchase Red Carpet among parents that are over 70 years old?
Yes, one may purchase to any one between 60 and 75 at entry, and renew forever.
Which plan will offer better hospital cash and wellness rewards?
With Star Young Gold Plan, there are more benefits on wellness programs, fitness programs and even preventive health check up.
Does Red Carpet plan cover OPD?
The Red Carpet plan is not as generous as OPD benefit is. The coverage of Young Gold Plan regarding OPD, diagnostics, and even teleconsultation is much broader.
Is Star Health inclusive of psychiatric illness?
Yes, the Young Gold Plan includes inpatient treatment of the psychiatric aspect.
Is it possible to transfer between Star plans?
Porting can be done as per IRDAI rules of 2025 depending on the rules of underwriting and policy of Star Health.
Are they both covered by AYUSH?
Yes, they both have hospitalization coverage of AYUSH up to sum insured/policy limit.
To get specific policy information, premium quotes and the new features, refer to your insurance advisor always or refer to the official Star health insurance site which will provide information that is current.
How could we improve this article?
Written by Prem Anand, a content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors.
Prem Anand is a seasoned content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors. He has a strong command of industry-specific language and compliance regulations. He specializes in writing insightful blog posts, detailed articles, and content that educates and engages the Indian audience.
The content is prepared by thoroughly researching multiple trustworthy sources such as official websites, financial portals, customer reviews, policy documents and IRDAI guidelines. The goal is to bring accurate and reader-friendly insights.
This content is created to help readers make informed decisions. It aims to simplify complex insurance and finance topics so that you can understand your options clearly and take the right steps with confidence. Every article is written keeping transparency, clarity, and trust in mind.
Based on Google's Helpful Content System, this article emphasizes user value, transparency, and accuracy. It incorporates principles of E-E-A-T (Experience, Expertise, Authoritativeness, Trustworthiness).
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