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Insurance Plans Comparison

Star Special Care Gold vs Magma OneHealth 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 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
Magma

OneHealth Premium

Comprehensive Health Insurance with Hospitalisation, Daycare and Reload Benefits

What Makes It Special:

Health insurance plan with hospitalisation cover, 405 daycare procedures, cumulative bonus, reload of Sum Insured, pre and post-hospitalisation cover, emergency road ambulance and access to 6,100+ cashless network hospitals.

Best For:

  • Customers who prefer access to a large cashless hospital network

  • Customers who want cumulative bonus and reload benefits

  • Customers looking for multiple Sum Insured options

  • Families looking for individual or family floater coverage

  • Individuals looking for hospitalisation-focused health insurance

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.

Magma OneHealth Premium

  • Buyers should consider the waiting periods, sub-limits, co-payment conditions and exclusions before choosing the plan.

  • Includes reload of Sum Insured from the first claim, subject to policy terms

  • Provides cumulative bonus of 10% for every claim-free year, up to 50%

  • Offers Sum Insured options from ₹2 lakh to ₹10 lakh under the Elite plan

  • Covers inpatient hospitalisation, daycare, pre and post-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
OneHealth Premium
OneHealth Premium

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Special Care Gold

Up to 1% of Sum Insured per day

VS

OneHealth Premium

Up to 1% of Sum Insured or ₹5,000 per Day

ICU Charges

Special Care Gold

Up to 2% of Sum Insured per day

VS

OneHealth Premium

Up to 2% of Sum Insured or ₹6,000 per Day

Disease-wise sublimits

Special Care Gold

Specified treatment limits apply


VS

OneHealth Premium

Specific Disease-wise Sublimits Apply

Co-payment

Special Care Gold

20% on all claims; waiver available for additional premium


VS

OneHealth Premium

10% in Applicable Circumstances

Restoration Benefit

Special Care Gold

Not specified

VS

OneHealth Premium

Reload Available from the First Claim

Cashless Healthcare Providers

Special Care Gold

Cashless treatment available at network hospitals


VS

OneHealth Premium

6,100+ Network Hospitals

Cumulative Bonus

Special Care Gold

Not specified

VS

OneHealth Premium

10% per Claim-Free Year, Up to 50%

Daycare Treatment

Special Care Gold

All daycare procedures covered

VS

OneHealth Premium

405 Daycare Procedures Covered

Consumable Cover

Special Care Gold

Not specified

VS

OneHealth Premium

Available Through Optional Cover

AYUSH Treatment

Special Care Gold

Covered up to 100% of Sum Insured

VS

OneHealth Premium

Not Specifically Mentioned in the Brochure

Initial Waiting Period

Special Care Gold

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


VS

OneHealth Premium

30 Days

Specific Waiting Period

Special Care Gold

24 Months

VS

OneHealth Premium

2 Years for Specified Procedures

PED Waiting Period

Special Care Gold

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


VS

OneHealth Premium

3 Years

Modern Treatment

Special Care Gold

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

VS

OneHealth Premium

Not Specifically Mentioned in the Brochure

Annual Health Checkup

Special Care Gold

Not specified


VS

OneHealth Premium

Available After 2 Continuous Claim-Free Renewals

Pre-Hospitalisation

Special Care Gold

Up to 30 Days

VS

OneHealth Premium

Covered for Up to 30 Days

Post-Hospitalisation

Special Care Gold

Up to 60 Days

VS

OneHealth Premium

Covered for Up to 45 Days

Outpatient Department Cover (OPD Expense)

Special Care Gold

Not a standard OPD benefit


VS

OneHealth Premium

Not Covered as a Base Benefit

Deductible Option

Special Care Gold

Not specified

VS

OneHealth Premium

Not Specified in the Brochure

Coverage Options

Special Care Gold

₹4 Lakh and ₹5 Lakh, individual basis


VS

OneHealth Premium

Sum Insured Options from ₹2 Lakh to ₹10 Lakh

Claim Settlement Ratio

Special Care Gold

Not specified


VS

OneHealth Premium

Not Specified in the Brochure

Maternity Cover

Special Care Gold

Not specified as a standard maternity benefit

VS

OneHealth Premium

Not Covered Except Ectopic Pregnancy

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

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