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Insurance Plans Comparison

Star Special Care Gold vs Care Senior

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

Senior

Health Insurance for Senior Citizens 60+ with Lifelong Renewability

What Makes It Special:

Care Senior is tailored specifically for the healthcare requirements of senior citizens aged 60 and above.

Best For:

  • Customers wanting automatic recharge protection

  • Families covering elderly parents

  • Elderly individuals seeking senior-specific health screening benefits

  • Buyers looking for health insurance with no upper entry age cap

  • Senior citizens aged 60 and above

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 Senior

  • Senior health screening included

  • Inbuilt 1-time automatic sum insured recharge

  • Includes a mandatory 20% co-payment per claim

  • Pre-existing disease waiting period is 48 months (or 24 months based on option)

  • Entry starts from age 60 with no maximum entry age limit

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
Senior
Senior

Health Insurance Plan

Brochure

Room Rent

Special Care Gold

Up to 1% of Sum Insured per day

VS

Senior

Room rent is covered up to the sum insured, subject to the applicable room-category terms of the plan.

ICU Charges

Special Care Gold

Up to 2% of Sum Insured per day

VS

Senior

ICU charges are covered up to your sum insured during the policy period.

Disease-wise sublimits

Special Care Gold

Specified treatment limits apply


VS

Senior

Yes, sublimits apply to specified diseases and treatments as per the policy terms.

Co-payment

Special Care Gold

20% on all claims; waiver available for additional premium


VS

Senior

20% co-payment is applicable on all claims. An additional 20% co-payment applies for treatment taken outside Smart Select network hospitals.

Restoration Benefit

Special Care Gold

Not specified

VS

Senior

Yes, your sum insured is automatically recharged by an amount equal to the opted sum insured, unlimited times during the policy year, for related or unrelated illnesses.

Cashless Healthcare Providers

Special Care Gold

Cashless treatment available at network hospitals


VS

Senior

22,100+ cashless healthcare providers.

Cumulative Bonus

Special Care Gold

Not specified

VS

Senior

Your sum insured increases by 10% for every claim-free year, up to a maximum of 50% of the sum insured.

Daycare Treatment

Special Care Gold

All daycare procedures covered

VS

Senior

Covers all eligible Day Care Procedures, including treatments such as cataract, chemotherapy, dialysis and stone removal, up to your sum insured.

Consumable Cover

Special Care Gold

Not specified

VS

Senior

Consumable expenses are not covered under the plan.

AYUSH Treatment

Special Care Gold

Covered up to 100% of Sum Insured

VS

Senior

Covers AYUSH treatment expenses up to your sum insured, subject to the policy terms and treatment being taken at an AYUSH-certified facility.

Initial Waiting Period

Special Care Gold

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


VS

Senior

30 days for illnesses, except injuries caused by an accident.

Specific Waiting Period

Special Care Gold

24 Months

VS

Senior

2 years for specified named ailments.

PED Waiting Period

Special Care Gold

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


VS

Senior

3 years for pre-existing diseases.

Modern Treatment

Special Care Gold

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

VS

Senior

Modern treatment methods are not covered under the plan.

Annual Health Checkup

Special Care Gold

Not specified


VS

Senior

Annual health check-up is available for all insured members.

Pre-Hospitalisation

Special Care Gold

Up to 30 Days

VS

Senior

You get cover for medical expenses up to 60 days before hospitalisation, subject to the main hospitalisation claim being admissible.

Post-Hospitalisation

Special Care Gold

Up to 60 Days

VS

Senior

You get cover for medical expenses up to 180 days after discharge from the hospital.

Outpatient Department Cover (OPD Expense)

Special Care Gold

Not a standard OPD benefit


VS

Senior

OPD expense is not included.

Deductible Option

Special Care Gold

Not specified

VS

Senior

Not available as a standard deductible option.

Coverage Options

Special Care Gold

₹4 Lakh and ₹5 Lakh, individual basis


VS

Senior

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

Claim Settlement Ratio

Special Care Gold

Not specified


VS

Senior

96.74% for FY 2024-25.

Maternity Cover

Special Care Gold

Not specified as a standard maternity benefit

VS

Senior

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?

End-to-End Support

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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

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