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Insurance Plans Comparison

Star Special Care Gold vs Care Plus

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

Plus

Comprehensive Health Cover with Unlimited Recharge and Wellness Benefits

What Makes It Special:

Care Plus is a comprehensive health insurance plan from Care Health Insurance that combines hospitalisation cover with unlimited automatic recharge, inflation-linked sum insured increases, and a No Claim Bonus Protect benefit. It also offers annual health check-ups, OPD benefits and optional maternity and newborn cover. The available room category, co-payment...

Best For:

  • Eligible families considering optional maternity and newborn cover.

  • Customers interested in OPD and wellness-related benefits.

  • People seeking additional protection against rising medical costs.

  • Customers who value unlimited automatic recharge for repeated claims.

  • Individuals and families looking for comprehensive hospitalisation cover.

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 Plus

  • Check optional maternity cover, OPD limits, deductible choices and Smart Select co-payment conditions.

  • Compare the No Claim Bonus Protect and unlimited recharge conditions.

  • Review the 30-day initial, 24-month specific illness and 36-month PED waiting periods.

  • Check room eligibility carefully, particularly for sum insured below ₹5 lakh.

  • Choose a sum insured that reflects your family's potential hospitalisation expenses.

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
Plus
Plus

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Special Care Gold

Up to 1% of Sum Insured per day

VS

Plus

  1. Normal: eligible to opt for a single A/C room or any low category room.

     

  2. ICU: No limit, the plan will cover the entire costs without restrictions
ICU Charges

Special Care Gold

Up to 2% of Sum Insured per day

VS

Plus

For sum insured below ₹5 lakh, ICU charges are limited to 2% of the sum insured per day under the referenced brochure. For sum insured of ₹5 lakh or more, ICU charges have no separate monetary limit, subject to policy terms.

Advanced Treatments

Special Care Gold

Information Unavailable

VS

Plus

  1. Provides coverage for advanced treatments like;
  2. Deep brain stimulation
  3. Oral chemotherapy
  4. Uterine artery embolization
  5. HIFU
  6. Robotic surgeries And many more.
Disease-wise sublimits

Special Care Gold

Specified treatment limits apply


VS

Plus

Information Unavailable

Co-payment

Special Care Gold

20% on all claims; waiver available for additional premium


VS

Plus

Mandatory copayment limit of 20% for individuals above the age of 61.

Restoration Benefit

Special Care Gold

Not specified

VS

Plus

Unlimited automatic recharge of the sum insured is a key advertised benefit. The brochure states that it can be used for the same insured person and the same illness. Actual utilisation remains subject to the applicable recharge rules and policy conditions.

Cashless Healthcare Providers

Special Care Gold

Cashless treatment available at network hospitals


VS

Plus

24800 + network hospitals

Cumulative Bonus

Special Care Gold

Not specified

VS

Plus

The No Claim Bonus Protect benefit increases the sum insured by 50% for each claim-free policy year, up to 200% of the base sum insured. The accrued bonus can reduce after a claim, subject to the policy's claim thresholds and bonus rules.

Daycare Treatment

Special Care Gold

All daycare procedures covered

VS

Plus

3 - 7 lacs sum insured for up to 24 hour hospitalization. 

Consumable Cover

Special Care Gold

Not specified

VS

Plus

Standard hospitalisation coverage should not be interpreted as coverage for every non-medical consumable. Consumables are covered only where included under the applicable policy terms or an eligible add-on.

AYUSH Treatment

Special Care Gold

Covered up to 100% of Sum Insured

VS

Plus

3 - 7 lacs sum insured for any non allopathic treatment covered by AYUSH.

Initial Waiting Period

Special Care Gold

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


VS

Plus

30 days for illnesses from policy commencement. This waiting period does not apply to eligible accident-related treatment, subject to the policy terms.

Specific Waiting Period

Special Care Gold

24 Months

VS

Plus

24 months for specified illnesses and procedures listed in the policy. The applicable exclusions and conditions continue to apply.

PED Waiting Period

Special Care Gold

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


VS

Plus

36 months for pre-existing diseases under the referenced policy version, subject to accurate disclosure, underwriting and applicable policy terms.

Modern Treatment

Special Care Gold

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

VS

Plus

Covers eligible advanced technology treatment methods listed under the policy, subject to medical necessity, admissibility conditions and the applicable sum insured.

Annual Health Checkup

Special Care Gold

Not specified


VS

Plus

Available once in each policy year for each eligible insured member, subject to the insurer's prescribed arrangements and conditions.

Pre-Hospitalisation

Special Care Gold

Up to 30 Days

VS

Plus

Covers eligible medical expenses for up to 60 days before hospitalisation, subject to the related hospitalisation claim being admissible.

Post-Hospitalisation

Special Care Gold

Up to 60 Days

VS

Plus



Outpatient Department Cover (OPD Expense)

Special Care Gold

Not a standard OPD benefit


VS

Plus

OPD consultation and specified dental and ophthalmic treatment benefits are available within prescribed limits. The referenced brochure lists limits of ₹1,500 for sum insured of ₹5–7 lakh and ₹2,500 for sum insured of ₹10–25 lakh, with a maximum of ₹350 per consultation. Check the applicable variant terms for eligibility.

Deductible Option

Special Care Gold

Not specified

VS

Plus

Deductible options are available as optional choices, including ₹1 lakh, ₹2 lakh, ₹3 lakh and ₹5 lakh under the referenced prospectus. Availability and applicable terms depend on the selected policy option.

Coverage Options

Special Care Gold

₹4 Lakh and ₹5 Lakh, individual basis


VS

Plus

Deductible options are available as optional choices, including ₹1 lakh, ₹2 lakh, ₹3 lakh and ₹5 lakh under the referenced prospectus. Availability and applicable terms depend on the selected policy option.

Claim Settlement Ratio

Special Care Gold

Not specified


VS

Plus

Care Health Insurance's insurer-level claim settlement ratio is reported as 96.74% for FY 2024–25 in a secondary source referencing IRDAI data. This is an insurer-level metric, not a guarantee of approval for an individual Care Plus claim.

Maternity Cover

Special Care Gold

Not specified as a standard maternity benefit

VS

Plus

Deductible options are available as optional choices, including ₹1 lakh, ₹2 lakh, ₹3 lakh and ₹5 lakh under the referenced prospectus. Availability and applicable terms depend on the selected policy option.

Insurance Plans Comparison

Still Confused? Get Expert Advice

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Why Choose Our Expert Consultation?

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Free Expert Consultation

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

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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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