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Insurance Plans Comparison

Star Special Care Gold vs Care Heart

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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Star

Special Care Gold

Special Care Gold

What Makes It Special:

Special Care Gold is designed for persons with disabilities and individuals with HIV/AIDS. The product provides individual indemnity and benefit coverage, with defined eligibility requirements, hospitalisation cover, daycare treatment, AYUSH treatment, modern treatment coverage and a 20% co-payment that can be waived through an optional benefit.

Best For:

  • Customers who need defined coverage with optional co-payment waiver

  • Customers looking for AYUSH hospitalisation coverage

  • Families seeking specialised health insurance for eligible members

  • Eligible individuals living with HIV/AIDS

  • Eligible persons with disabilities

VS
Care

Heart

Specialised Cardiac Health Insurance with 2-Year Cardiac PED Waiting Period

What Makes It Special:

Care Heart Health Insurance is a specialized policy designed for people with existing heart conditions or cardiac risks. It provides comprehensive coverage for hospitalization, surgeries, and treatments related to heart ailments, including pre and post-hospitalization expenses. The plan also covers annual health check-ups, ambulance charges, and optional add-ons for enhanced...

Best For:

  • Focused Protection for Cardiac Patients

  • Covers Pre and Post Hospitalization

  • Annual Health Check-Up Included

  • Lifelong Policy Renewability Option

Insurance Plans Comparison

Get Personalized Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Quick Decision Guide

Star Special Care Gold

  • No pre-policy medical test is required, subject to submission requirements.

  • A co-payment waiver is available for additional premium.

  • AYUSH inpatient treatment is covered up to 100% of Sum Insured.

  • Sum Insured options of ₹4 Lakh and ₹5 Lakh are available.

  • The product is specifically structured for disability and HIV/AIDS-related eligibility.

Care Heart

  • You have a past history of heart disease

  • You need coverage for cardiac-related hospitalization expenses

  • You want insurance despite pre-existing heart conditions

  • You seek affordable premiums for heart-focused care

  • You prefer lifelong renewability with cardiac protection

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Special Care Gold
Special Care Gold

Health Insurance Plan

Brochure

Policy Wording

VS
Heart
Heart

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Special Care Gold

Up to 1% of Sum Insured per day

VS

Heart

Up to ₹3 L sum insured – 1% of Sum Insured per day

Above ₹3 L sum insured – Single Private Room

ICU Charges

Special Care Gold

Up to 2% of Sum Insured per day

VS

Heart

Up to ₹3 L sum insured – 2% of Sum Insured per day

Above ₹3 L sum insured – No Limit

Disease-wise sublimits

Special Care Gold

Specified treatment limits apply


VS

Heart

Yes

Co-payment

Special Care Gold

20% on all claims; waiver available for additional premium


VS

Heart

In-built co-payment: 20% if entry age ≤ 70 years, 30% if entry age > 70 years.

Restoration Benefit

Special Care Gold

Not specified

VS

Heart

Provides 1 restoration of the base cover upon exhaustion, applicable for unrelated illnesses only

Cashless Healthcare Providers

Special Care Gold

Cashless treatment available at network hospitals


VS

Heart

21700+ Healthcare Providers

Cumulative Bonus

Special Care Gold

Not specified

VS

Heart

Your sum insured increases by 10% each policy year as a No-Claim Bonus, up to 50% of the sum insured. The bonus reduces by 10% for every claim paid

Daycare Treatment

Special Care Gold

All daycare procedures covered

VS

Heart

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

Consumable Cover

Special Care Gold

Not specified

VS

Heart

No. However available as an add-on.

AYUSH Treatment

Special Care Gold

Covered up to 100% of Sum Insured

VS

Heart

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

Initial Waiting Period

Special Care Gold

30 Days for indemnity basis; 90 Days for HIV/AIDS benefit basis


VS

Heart

30 days

Specific Waiting Period

Special Care Gold

24 Months

VS

Heart

2 years

PED Waiting Period

Special Care Gold

36 Months for PEDs other than specified disability and HIV/AIDS; 24 Months for pre-existing disability


VS

Heart

2 years

Modern Treatment

Special Care Gold

Covered up to 50% of Sum Insured for listed modern treatments

VS

Heart

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Annual Health Checkup

Special Care Gold

Not specified


VS

Heart

Health check-up is available from the first policy year

Pre-Hospitalisation

Special Care Gold

Up to 30 Days

VS

Heart

You get cover for medical tests and doctor visits up to 30 days before hospitalisation, if your main claim is approved

Post-Hospitalisation

Special Care Gold

Up to 60 Days

VS

Heart

You get cover for medical bills up to 60 days after discharge, including physiotherapy if your doctor prescribes it.

Outpatient Department Cover (OPD Expense)

Special Care Gold

Not a standard OPD benefit


VS

Heart

OPD expense is not included

Deductible Option

Special Care Gold

Not specified

VS

Heart

Not available

Coverage Options

Special Care Gold

₹4 Lakh and ₹5 Lakh, individual basis


VS

Heart

Available coverage options: ₹3L, ₹5L, ₹7L and ₹10L

Claim Settlement Ratio

Special Care Gold

Not specified


VS

Heart

96%

Maternity Cover

Special Care Gold

Not specified as a standard maternity benefit

VS

Heart

Not available

Insurance Plans Comparison

Still Confused? Get Expert Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Why Choose Our Expert Consultation?

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Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Free Expert Consultation

Talk to experienced advisors at no cost, and make confident decisions

24/7 Claim Assistance

24/7 Claim Assistance

Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

What Our Experts Help You With

Personalised Recommendations

  • Every suggestion is backed by expert analysis of your life stage, goals, and budget

Expert-Led Policy Review

  • We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later

Smart, Tech-Enabled Experience

  • From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free

Insurance Plans Comparison

Explore Insurance Category

Senior Citizen Health Plan

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

Most Popular

Family Health Plan

Family Health Plan

  • One policy covers the entire family

  • High sum insured with cashless care

  • Multiple coverage options based on your family needs

Maternity Health Plan

Maternity Health Plan

  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

Insurance Plans Comparison

Frequently Asked Questions (FAQs)

Having questions? We've got answers. Explore our FAQs to find the information you need.

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