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Insurance Plans Comparison

Star Special Care vs ICICI Lombard Max Protect Premium

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

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Star

Special Care

For children and young adults aged 3 to 25 with autism, it covers hospital treatment with a 20% co-pay, pays up to ₹30,000 for seizure hospitalisation in a policy period, and includes outpatient behavioural, physiotherapy, occupational and speech therapy.

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
ICICI Lombard

Max Protect Premium

A ₹1 crore family cover with international treatment and any-room access

What Makes It Special:

Max Protect Premium is the higher MaxProtect variant with a ₹1 crore sum insured. It adds international treatment cover, air ambulance access, and a claim protector feature, and allows any room category except suite.

Best For:

  • Buyers who do not need maternity cover or outpatient consultations

  • Frequent travellers who want air ambulance access

  • Buyers who want access to any room category except suite

  • Families who want a ₹1 crore sum insured with restoration

  • Buyers who need international treatment cover

Insurance Plans Comparison

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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

  • 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.

ICICI Lombard Max Protect Premium

  • Kindly consult the insurer on co-payment and sublimits before buying.

  • Maternity and outpatient consultations are not covered.

  • Confirm the international cover limits, since the policy wording is not yet verified.

  • The PED waiting period is 3 years, so consider the add-on that reduces it to 2 years.

  • Premium costs more than Classic, so compare the added international benefits against your needs.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Special Care
Special Care

Health Insurance Plan

Brochure

Policy Wording

VS
Max Protect Premium
Max Protect Premium

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Special Care

Up to ₹5,000 per day


VS

Max Protect Premium

Any room except suite. Suite room charges are shared with the insurer.

ICU Charges

Special Care

Covered as part of hospitalisation expenses

VS

Max Protect Premium

Kindly refer to policy wording

Co-payment

Special Care

20% on every claim

VS

Max Protect Premium

Kindly refer to policy wording.

Disease-wise sublimits

Special Care

Information Unavailable

VS

Max Protect Premium

Kindly refer to the policy wording.

Cashless Healthcare Providers

Special Care

Cashless treatment available at network hospitals

VS

Max Protect Premium

14,000+ cashless network hospitals

Restoration Benefit

Special Care

Not specified

VS

Max Protect Premium

Restores up to 100% of the sum insured, multiple times in a policy year. Kindly consult the conditions.

Cumulative Bonus

Special Care

Not specified

VS

Max Protect Premium

Kindly review the policy wording.

Daycare Treatment

Special Care

All daycare treatments covered

VS

Max Protect Premium

Kindly refer to the policy wording.

Consumable Cover

Special Care

Not specified

VS

Max Protect Premium

Kindly refer to policy wording.

AYUSH Treatment

Special Care

Covered up to Sum Insured for eligible inpatient treatment

VS

Max Protect Premium

Kindly refer to policy wording.

Initial Waiting Period

Special Care

30 Days

VS

Max Protect Premium

30 DAYS

Specific Waiting Period

Special Care

24 Months

VS

Max Protect Premium

Kindly refer to policy wording.

PED Waiting Period

Special Care

36 Months

VS

Max Protect Premium

3 years, reducible to 2 years with the add-on

Modern Treatment

Special Care

Covered subject to applicable limits

VS

Max Protect Premium

Covered. Kindly consult for limits.

Annual Health Checkup

Special Care

Not Specified

VS

Max Protect Premium

Not offered

Pre-Hospitalisation

Special Care

Not specified as a separate benefit

VS

Max Protect Premium

60 days before hospitalisation. Kindly confirm.

Post-Hospitalisation

Special Care

Up to 60 Days, based on 7% of hospitalisation expenses or actuals


VS

Max Protect Premium

180 days after discharge. Kindly confirm.

Outpatient Department Cover (OPD Expense)

Special Care

Specified outpatient therapies are covered

VS

Max Protect Premium

Not covered. Doctor consultations are not covered.

Deductible Option

Special Care

Not specified


VS

Max Protect Premium

Kindly refer to policy wording.

Coverage Options

Special Care

₹3 Lakh

VS

Max Protect Premium

₹1 crore base cover. Room rent modifier and PED reduction add-ons available.

Claim Settlement Ratio

Special Care

Not specified

VS

Max Protect Premium

FY 24-25: ~84%

Maternity Cover

Special Care

Not applicable

VS

Max Protect Premium

Not offered

Insurance Plans Comparison

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What Our Experts Help You With

Personalised Recommendations

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

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

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

Insurance Plans Comparison

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  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

Insurance Plans Comparison

Frequently Asked Questions (FAQs)

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