Oneassure

Partner with us

Insurance Plans Comparison

Star Special Care Gold vs Care Plus Youth

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

Read more
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 Youth

Care Plus Youth is a health insurance plan for young adults, offering hospitalisation cover, unlimited automatic recharge, OPD benefits and protection against rising medical costs.

What Makes It Special:

Care Plus Youth is designed for young adults, with individual and family floater options. Its benefits include hospitalisation, OPD consultations and dental and eye treatments, No Claim Bonus Protect, Inflation Shield and unlimited automatic recharge, subject to policy terms.

Best For:

  • Couples or families considering optional maternity and newborn cover.

  • Individuals looking for automatic recharge and a no-claim bonus.

  • Customers who value OPD consultations and dental and eye treatment benefits.

  • People who want hospitalisation and eligible daycare treatment cover.

  • Young adults looking to buy individual health insurance early.

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 Youth

  • If you need maternity cover, verify eligibility, the 24-month waiting period and the applicable benefit limit.

  • Check the OPD limits and whether the optional Smart Select benefit suits your preferred hospitals.

  • Review room-rent and ICU limits based on your chosen sum insured.

  • Check the 30-day initial waiting period, 24-month named-ailment waiting period and 36-month PED waiting period.

  • Choose a sum insured that suits your healthcare needs and budget.

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 Youth
Plus Youth

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Special Care Gold

Up to 1% of Sum Insured per day

VS

Plus Youth

For sum insured below ₹5 lakh, room rent is limited to 1% of the sum insured per day. For sum insured of ₹5 lakh or above, the brochure lists a single private AC room.

ICU Charges

Special Care Gold

Up to 2% of Sum Insured per day

VS

Plus Youth

For sum insured below ₹5 lakh, ICU charges are limited to 2% of the sum insured per day. For sum insured of ₹5 lakh or above, the brochure states no ICU charge limit.

Disease-wise sublimits

Special Care Gold

Specified treatment limits apply


VS

Plus Youth

Room-rent, ICU and benefit-specific limits apply. OPD, ambulance and optional maternity/newborn cover have defined monetary limits. Review the policy schedule for other applicable restrictions.

Co-payment

Special Care Gold

20% on all claims; waiver available for additional premium


VS

Plus Youth

The Smart Select optional benefit offers a 15% discount on the base benefit premium and eligible maternity/newborn premium. If treatment is taken at a non-Smart Select network hospital, a 20% co-payment per claim applies under this option.

Restoration Benefit

Special Care Gold

Not specified

VS

Plus Youth

Unlimited Automatic Recharge is included as a listed base benefit. It can replenish the sum insured for eligible claims, subject to the policy’s recharge conditions.

Cashless Healthcare Providers

Special Care Gold

Cashless treatment available at network hospitals


VS

Plus Youth

Cashless treatment is available through eligible network hospitals, subject to network status, pre-authorisation and policy conditions. Confirm the current hospital count before publishing a number.

Cumulative Bonus

Special Care Gold

Not specified

VS

Plus Youth

No Claim Bonus Protect increases the sum insured by 50% per claim-free policy year, up to 200% of the sum insured. If the total claim amount in a policy year is below 25% of the applicable sum insured, the accrued bonus is not reduced in the subsequent year. If the claim amount reaches or exceeds 25%, the accrued bonus may reduce according to the policy terms.

Daycare Treatment

Special Care Gold

All daycare procedures covered

VS

Plus Youth

All eligible daycare procedures are covered up to the sum insured, subject to the policy’s definitions and exclusions.

Consumable Cover

Special Care Gold

Not specified

VS

Plus Youth

A separate comprehensive consumables benefit is not specified in the uploaded brochure.

AYUSH Treatment

Special Care Gold

Covered up to 100% of Sum Insured

VS

Plus Youth

Eligible AYUSH treatment is covered up to the sum insured, subject to the policy wording.


Initial Waiting Period

Special Care Gold

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


VS

Plus Youth

30 days from policy commencement for illnesses, except claims arising from accidents, as specified in the brochure.


Specific Waiting Period

Special Care Gold

24 Months

VS

Plus Youth

24 months for named ailments and procedures, subject to the policy wording and applicable exclusions.

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 Youth

36 months for pre-existing diseases, subject to disclosure, acceptance and policy terms.

Modern Treatment

Special Care Gold

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

VS

Plus Youth

Covers eligible advanced technology treatments up to the sum insured, subject to policy terms, exclusions and applicable treatment definitions.

Annual Health Checkup

Special Care Gold

Not specified


VS

Plus Youth

Available for adult insured members, subject to the applicable policy terms.

Pre-Hospitalisation

Special Care Gold

Up to 30 Days

VS

Plus Youth

Eligible medical expenses are covered for up to 60 days before an admissible hospitalisation, up to the sum insured.

Post-Hospitalisation

Special Care Gold

Up to 60 Days

VS

Plus Youth

Eligible medical expenses are covered for up to 90 days after discharge from an admissible hospitalisation, up to the sum insured.

Outpatient Department Cover (OPD Expense)

Special Care Gold

Not a standard OPD benefit


VS

Plus Youth

Outpatient consultations and outpatient dental and ophthalmic treatments are covered within specified limits. For sum insured of ₹5 lakh–₹7 lakh, the brochure lists up to ₹1,500; for ₹10 lakh–₹25 lakh, up to ₹2,500. Consultation limits are ₹350 per consultation.

Deductible Option

Special Care Gold

Not specified

VS

Plus Youth

No deductible option is listed in the uploaded brochure’s optional-benefit section.

Coverage Options

Special Care Gold

₹4 Lakh and ₹5 Lakh, individual basis


VS

Plus Youth

Available as individual or family floater cover, with annual sum insured options listed from ₹3 lakh to ₹25 lakh. The brochure lists several family combinations.

Claim Settlement Ratio

Special Care Gold

Not specified


VS

Plus Youth

This is an insurer-level metric, not a product-specific ratio. Use Care Health Insurance’s verified latest financial-year claim settlement figure if required; the uploaded brochure does not provide one.

Maternity Cover

Special Care Gold

Not specified as a standard maternity benefit

VS

Plus Youth

Optional maternity and newborn cover: ₹15,000 for sum insured up to ₹5 lakh and ₹25,000 for sum insured above ₹5 lakh. Available only under specified family-floater combinations, with a 24-month waiting period and eligibility conditions.


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?

End-to-End Support

End-to-End Support

From choosing the right policy to managing claims, every step is handled for you

Zero Spam. Zero Hassle

Zero Spam. Zero Hassle

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.

1-5 of 10 FAQs

Compare With Other Health Insurance Plans

Special Care Gold vs Optima Secure

Special Care Gold vs Super Mediclaim

Special Care Gold vs Health Recharge

Special Care Gold vs Cancer Cover Activ Cancer Secure Plan

Special Care Gold vs Optima Secure Plus

Plus Youth vs Optima Secure

Plus Youth vs Super Mediclaim

Plus Youth vs Health Recharge

Plus Youth vs Cancer Cover Activ Cancer Secure Plan

Plus Youth vs Optima Secure Plus

Oneassure

Health Insurance

Compare Health Insurance Plans

Special Care Gold Vs Plus Youth

Policy Pal

Chat with PolicyPal

Get a free policy review

No pressure. No product push. Just honest advice.