Insurance Plans Comparison
Star Special Care vs Care Enhance Super Top-up One
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreSpecial Care
Star Special Care
What Makes It Special:
Star Special Care is a specialised health insurance policy for children and young adults aged 3 to 25 years who are diagnosed with Autism Spectrum Disorder. It combines hospitalisation and daycare coverage with specified therapy benefits, including behavioural therapy, physiotherapy, occupational therapy and speech therapy
Best For:
Individuals requiring specified developmental support therapies
Parents looking for therapy-related coverage
Families seeking specialised health insurance
Young adults with Autism Spectrum Disorder up to age 25
Children diagnosed with Autism Spectrum Disorder
VS
Enhance Super Top-up One
Extra hospitalisation cover with flexible deductibles to help manage major medical expenses.
What Makes It Special:
Enhance 1 is Care Health Insurance's super top-up health insurance product. The Enhance 1 variant offers a sum insured of ₹1 lakh to ₹30 lakh, with deductible options beginning at ₹50,000. It covers eligible inpatient hospitalisation, specified daycare procedures, organ donor expenses, pre- and post-hospitalisation expenses, annual health check-ups and eligible...
Best For:
Customers seeking flexible cover levels: People who want to choose among the available ₹1 lakh–₹30 lakh sum-insured options and permitted deductible combinations.
People who can manage a deductible: Customers with sufficient base insurance or savings to handle eligible expenses up to the chosen threshold.
Families planning for expensive treatment: Households looking for an additional layer of financial protection, subject to the selected deductible and family floater terms.
Individuals seeking higher hospitalisation cover: Customers who want to supplement their base policy with additional protection for major hospital bills.
Customers with existing health insurance: People who want additional protection against eligible medical expenses that exceed their current coverage.
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Quick Decision Guide
The policy can be renewed until the insured reaches 25 years of age.
No pre-acceptance medical check-up is required.
Specified therapy benefits are available, including outpatient therapy.
Hospitalisation and daycare treatments are covered.
The product is specifically designed for eligible persons with Autism Spectrum Disorder.
Assess the benefits you actually need. Review daycare coverage, pre- and post-hospitalisation expenses, organ donor cover, exclusions and the absence of an established standard restoration benefit.
Check room eligibility and co-payment. Ensure that a single private room meets your needs and account for the 20% co-payment if the entry-age condition applies.
Review waiting periods. Understand the initial waiting period, the waiting period for specified illnesses and the applicable pre-existing disease waiting period.
Understand how multiple claims are assessed. Check how eligible expenses from separate hospitalisations are accumulated and applied against the deductible during the policy year.
Compare the deductible with your base policy. Check whether your existing health insurance can meet the deductible and whether you can afford any shortfall yourself.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Special Care Health Insurance Plan VS VS |
Enhance Super Top-up One Health Insurance Plan |
| Room Rent |
|---|
Special Care Up to ₹5,000 per day |
VS VS |
Enhance Super Top-up One The documented Enhance 1 offering provides eligibility for a single private room. It does not include the next-category room upgrade advertised for Enhance 2. Choosing a room outside the permitted category may affect claim payment under the applicable policy terms. |
| ICU Charges |
|---|
Special Care Covered as part of hospitalisation expenses |
VS VS |
Enhance Super Top-up One ICU expenses are covered up to the applicable sum insured, without a separate monetary sublimit under the documented Enhance 1 offering. The deductible and other policy conditions still apply. |
| Co-payment |
|---|
Special Care 20% on every claim |
VS VS |
Enhance Super Top-up One A 20% co-payment applies where the applicable entry-age condition is met: age 61 or older at entry for an individual policy, or the eldest insured member's age at entry for a family floater. The insured must bear the applicable share of admissible expenses. |
| Disease-wise sublimits |
|---|
Special Care Information Unavailable |
VS VS |
Enhance Super Top-up One The documented schedule provides no separate monetary sublimit for ICU charges and doctors' fees. This does not establish the absence of every disease-specific or treatment-specific restriction; other policy limits and exclusions continue to apply. |
| Cashless Healthcare Providers |
|---|
Special Care Cashless treatment available at network hospitals |
VS VS |
Enhance Super Top-up One Care's official website reports more than 22,100 cashless healthcare providers as of December 2025. Network participation can change, and cashless treatment is subject to hospital participation, pre-authorisation and policy conditions. |
| Restoration Benefit |
|---|
Special Care Not specified |
VS VS |
Enhance Super Top-up One An automatic restoration benefit is not established as a standard benefit in the documented Enhance 1 schedule. Do not assume that the sum insured replenishes automatically after a claim. |
| Cumulative Bonus |
|---|
Special Care Not specified |
VS VS |
Enhance Super Top-up One A cumulative bonus is not included as a standard benefit in the documented Enhance 1 benefit schedule. Do not attribute a bonus advertised for another Care product to this variant. |
| Daycare Treatment |
|---|
Special Care All daycare treatments covered |
VS VS |
Enhance Super Top-up One The documented prospectus covers 170 specified daycare surgeries or procedures that require less than 24 hours of hospitalisation. Coverage is subject to the applicable list and policy terms. |
| Consumable Cover |
|---|
Special Care Not specified |
VS VS |
Enhance Super Top-up One Separate cover for consumables and non-medical hospital items is not established as a standard benefit. Such expenses should not be assumed payable unless they qualify under the applicable policy terms or an expressly selected benefit. |
| AYUSH Treatment |
|---|
Special Care Covered up to Sum Insured for eligible inpatient treatment |
VS VS |
Enhance Super Top-up One Eligible inpatient Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homoeopathy treatment is covered up to the applicable sum insured, subject to policy conditions and eligible treatment requirements. |
| Initial Waiting Period |
|---|
Special Care 30 Days |
VS VS |
Enhance Super Top-up One 30 days from the policy's commencement for illnesses, subject to the applicable policy terms and the exception for covered accidental injuries. |
| Specific Waiting Period |
|---|
Special Care 24 Months |
VS VS |
Enhance Super Top-up One 24 months of continuous coverage for specified illnesses, surgeries and treatments listed in the applicable policy wording, subject to the stated exceptions. |
| PED Waiting Period |
|---|
Special Care 36 Months |
VS VS |
Enhance Super Top-up One The current Care Enhance product information specifies 36 months of continuous coverage for pre-existing diseases. The exact period applicable to an issued policy depends on its governing wording and endorsements. |
| Modern Treatment |
|---|
Special Care Covered subject to applicable limits |
VS VS |
Enhance Super Top-up One Eligible inpatient and daycare treatment expenses are covered under the applicable policy definitions. Do not assume separate enhanced coverage for every advanced medical technology; admissibility depends on the policy's covered-treatment provisions and exclusions. |
| Annual Health Checkup |
|---|
Special Care Not Specified |
VS VS |
Enhance Super Top-up One An annual health check-up is available for each covered adult member, irrespective of claim history, subject to the insurer's service and eligibility conditions. |
| Pre-Hospitalisation |
|---|
Special Care Not specified as a separate benefit |
VS VS |
Enhance Super Top-up One Eligible medical expenses incurred up to 30 days before hospitalisation are covered, subject to their connection with the hospitalisation and the policy's claim conditions. |
| Post-Hospitalisation |
|---|
Special Care Up to 60 Days, based on 7% of hospitalisation expenses or actuals |
VS VS |
Enhance Super Top-up One Eligible post-hospitalisation medical expenses are covered for up to 60 days after discharge under the documented Enhance 1 offering, subject to the policy's claim conditions. |
| Outpatient Department Cover (OPD Expense) |
|---|
Special Care Specified outpatient therapies are covered |
VS VS |
Enhance Super Top-up One Routine outpatient consultations, pharmacy purchases and diagnostic expenses are not established as a standard OPD reimbursement benefit. Certain healthcare services or discounts may be available separately, subject to their applicable terms. |
| Deductible Option |
|---|
Special Care Not specified |
VS VS |
Enhance Super Top-up One Enhance 1 offers a deductible of ₹50,000 and higher options from ₹1 lakh to ₹10 lakh in the available increments and combinations. The insurer's liability begins only after eligible expenses meet the applicable deductible, as calculated under the policy. |
| Coverage Options |
|---|
Special Care ₹3 Lakh |
VS VS |
Enhance Super Top-up One Sum insured ranges from ₹1 lakh to ₹30 lakh in ₹1 lakh multiples. Individual and family floater arrangements are available, subject to the insurer's eligibility rules and permitted deductible/sum-insured combinations. |
| Claim Settlement Ratio |
|---|
Special Care Not specified |
VS VS |
Enhance Super Top-up One This is an insurer-level measure, not an Enhance 1-specific guarantee. Use Care Health Insurance's verified ratio for a stated financial year and clearly identified methodology; it should not be interpreted as a promise that an individual claim will be approved. |
| Maternity Cover |
|---|
Special Care Not applicable |
VS VS |
Enhance Super Top-up One Maternity and routine delivery expenses are not established as a standard covered benefit under Enhance 1. Service discounts, if available, should not be treated as reimbursement for maternity hospitalisation. |
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