HealthStar Health
Health First Family Floater
₹5–25 LakhNo room cap
From ₹14,880/yravailable
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Healthavailable
Star Health
SeniorCare Advantage
From ₹22,400/yr
IRDAI-approved wording · co-pay 20% after 65 keeps premium sustainable
| Insurer | Star Health |
|---|---|
| Entry | 60–80 years |
| Renewability | Lifetime |
| Co-pay | 20% after 65, 30% after 70 |
| Home care | Yes — 120 days |
| Screening | Tele + health check-up |
| Network | 14,000+ hospitals |
SeniorCare Advantage is designed for 60–80 entry where most health plans shut entry. Co-pay is explicit — 20% after 65 — which keeps the premium at ₹22,400 rather than ₹38,000 with hidden loading. The same co-pay is reduced to 10% if you go to Star's preferred hospitals for planned admissions.
Home care for 120 days post hospitalisation is included — nurse visits and physiotherapy that typical senior covers drop. We advise a family meeting before buying so expectations on co-pay are clear.
IRDAI disclaimer: Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure/policy wording carefully before concluding a sale. IRDAI Licence No.: BROK/INS/2020/184 — Kavach Insurance Brokers Pvt. Ltd. Premiums shown are indicative starting from and subject to underwriting.
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