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star health red carpet renewal

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30 Jul, 2023 by  ashok T

Hi,

my father is 73 year old, I have 5 lakh policy with star health red carpet senior citizen plan for him. Renewal is due in next 30 days for that policy. This policy got room rent cap, major disease cap, copay and so many sublimits. We live in Chennai so finding a room price in decent hospital will be around 8000 plus per day. Given all this policy limitation, is it worth to increase the sum insured to 10 or 15 lakhs in red carpet policy or no ?

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Health Insurance

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05 Aug, 2023
ashok T

Any response is highly appreciated please. Renewal date is nearing

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06 Aug, 2023

Hello Ashok,

Apologies for the delayed response!

There are better options for Senior Citizen Plans available in the market with fewer financial restrictions. If your father is in good health and doesn't have any pre-existing medical conditions, you can explore those alternatives. But, if you are unable to port, you can consider increasing the cover amount under the Star Health Red Carpet Plan; however, a 5 Lakh cover for a 73-year-old should be sufficient.

I would recommend you check out our free 1-to-1 personal consultation service. With this service, you can speak to an advisor of your choice and get a comprehensive PDF report with 100% unbiased recommendations powered by Beshak Research. Sharing the link here for your ready reference: https://www.beshak.org/advisor/

Thank you!

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06 Aug, 2023
ashok T
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07 Aug, 2023
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09 Aug, 2023
ashok T
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09 Aug, 2023
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