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Insurance Plans Comparison

Star Special Care vs Niva Bupa Health Companion Variant 2

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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
Niva Bupa

Health Companion Variant 2

Add 20% of the base sum insured each claim-free year up to 100%, refill the base sum insured once for a different illness, and get animal-bite vaccination up to ₹5,000 with an annual health check-up.

What Makes It Special:

Health Companion Variant 2 is a Niva Bupa floater covering hospitalisation, day care, AYUSH and domiciliary treatment, with a refill benefit, no-claim bonus and 2- or 3-year term discounts. Variant-specific terms are not separated in the prospectus.

Best For:

  • Buyers who do not need maternity or OPD cover

  • Buyers who need hospitalisation, day care and AYUSH cover

  • Buyers who plan to pay for two or three years to get term discounts

  • Buyers who want a no-claim bonus that builds to 100%

  • Families who want a floater with a refill benefit

Insurance Plans Comparison

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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.

Niva Bupa Health Companion Variant 2

  • The refill applies only once a policy year.

  • The 20% co-payment for higher room categories applies on Variant 2023.

  • Maternity is not covered, so plan separately if needed.

  • Term discounts do not apply if premium is paid monthly, half-yearly or quarterly.

  • The 36-month PED wait applies, so buy early if you have an existing condition.

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
Health Companion Variant 2
Health Companion Variant 2

Health Insurance Plan

Brochure

Room Rent

Special Care

Up to ₹5,000 per day


VS

Health Companion Variant 2

  1. Normal Room: No limit (any single private room covered)
  2. ICU Charges: Fully covered (as per actual hospitalization expenses)
ICU Charges

Special Care

Covered as part of hospitalisation expenses

VS

Health Companion Variant 2

Covered up to the sum insured as part of in-patient care

Advanced Treatments

Special Care

Information Unavailable

VS

Health Companion Variant 2

  1. Robotic Surgery Therapy
  2. Bariatric Surgery 
  3. Oral Chemotherapy 
  4. Proton Beam Therapy 
  5. Deep Brain Stimulation 
  6. Implantable Devices 
Co-payment

Special Care

20% on every claim

VS

Health Companion Variant 2

No mandatory co-payment for most policyholders. However, for individuals aged 65 years and above at the time of entry, a co-payment of 20% applies to each claim.

Disease-wise sublimits

Special Care

Information Unavailable

VS

Health Companion Variant 2

No disease sublimit schedule in the prospectus

Cashless Healthcare Providers

Special Care

Cashless treatment available at network hospitals

VS

Health Companion Variant 2

10,000+ network hospitals.

Restoration Benefit

Special Care

Not specified

VS

Health Companion Variant 2

Information Unavailable

Cumulative Bonus

Special Care

Not specified

VS

Health Companion Variant 2

20% of the expiring base sum insured per claim-free year, up to 100%

Daycare Treatment

Special Care

All daycare treatments covered

VS

Health Companion Variant 2

Covered under the policy. 

Consumable Cover

Special Care

Not specified

VS

Health Companion Variant 2

Prescribed medicines and consumables during treatment are covered. Annexure II items are not.

AYUSH Treatment

Special Care

Covered up to Sum Insured for eligible inpatient treatment

VS

Health Companion Variant 2

Covered under this policy

Initial Waiting Period

Special Care

30 Days

VS

Health Companion Variant 2

30 days, except accidents

Specific Waiting Period

Special Care

24 Months

VS

Health Companion Variant 2

24 months for listed conditions

PED Waiting Period

Special Care

36 Months

VS

Health Companion Variant 2

36 months

Modern Treatment

Special Care

Covered subject to applicable limits

VS

Health Companion Variant 2

Covered up to the sum insured

Annual Health Checkup

Special Care

Not Specified

VS

Health Companion Variant 2

Annual from day one, for defined tests. Up to ₹500 per ₹1 lakh of base sum insured. Cashless only.

Pre-Hospitalisation

Special Care

Not specified as a separate benefit

VS

Health Companion Variant 2

60 days before admission

Post-Hospitalisation

Special Care

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


VS

Health Companion Variant 2

180 days after discharge

Outpatient Department Cover (OPD Expense)

Special Care

Specified outpatient therapies are covered

VS

Health Companion Variant 2

Not covered

Deductible Option

Special Care

Not specified


VS

Health Companion Variant 2

Annual aggregate deductible from ₹10,000 to ₹10 lakh

Coverage Options

Special Care

₹3 Lakh

VS

Health Companion Variant 2

Individual or floater, with optional hospital cash, personal accident and deductible

Claim Settlement Ratio

Special Care

Not specified

VS

Health Companion Variant 2

Claim Settlement Ratio (CSR) of 93.3% as a three-year IRDAI weighted average, and 95.6% in recent quarterly company disclosures (Q1 FY 2026-27).

Maternity Cover

Special Care

Not applicable

VS

Health Companion Variant 2

Not covered

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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

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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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  • Reduces financial stress of childbirth costs

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