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Insurance Plans Comparison

Star Special Care vs Royal Sundaram Family Plus

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
Royal Sundaram

Family Plus

Give each member an individual sum insured plus a shared floater, with no room rent cap, a one-time reload for a different illness after both are used up, and maternity cover of up to ₹50,000 a delivery.

What Makes It Special:

Family Plus focuses on providing essential health coverage at an affordable premium. It's designed for budget-conscious individuals who want reliable coverage.

Best For:

  • Not available

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.

Royal Sundaram Family Plus

Not available

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
Family Plus
Family Plus

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Special Care

Up to ₹5,000 per day


VS

Family Plus

Normal: No Room Rent Capping

ICU: Covered up to Sum Insured

ICU Charges

Special Care

Covered as part of hospitalisation expenses

VS

Family Plus

Information Unavailable

Advanced Treatments

Special Care

Information Unavailable

VS

Family Plus

Not mentioned

Co-payment

Special Care

20% on every claim

VS

Family Plus

Not mentioned

Waiting Period

Special Care

Information Unavailable

VS

Family Plus

Initial Waiting Period: 30 Days

Pre-existing Disease Waiting Period: 36 Months

Specific Disease/Procedure Waiting Period: 24 Months (16 specified diseases/conditions)

Maternity Waiting Period: 24 Months

Cashless Healthcare Providers

Special Care

Cashless treatment available at network hospitals

VS

Family Plus

7,000+ Network Hospitals

Restoration Benefit

Special Care

Not specified

VS

Family Plus

Information Unavailable

Cumulative Bonus

Special Care

Not specified

VS

Family Plus

Information Unavailable

Daycare Treatment

Special Care

All daycare treatments covered

VS

Family Plus

Covered up to Sum Insured

Consumable Cover

Special Care

Not specified

VS

Family Plus

Information Unavailable

AYUSH Treatment

Special Care

Covered up to Sum Insured for eligible inpatient treatment

VS

Family Plus

Covered

Initial Waiting Period

Special Care

30 Days

VS

Family Plus

Information Unavailable

Specific Waiting Period

Special Care

24 Months

VS

Family Plus

Information Unavailable

PED Waiting Period

Special Care

36 Months

VS

Family Plus

Information Unavailable

Modern Treatment

Special Care

Covered subject to applicable limits

VS

Family Plus

Information Unavailable

Annual Health Checkup

Special Care

Not Specified

VS

Family Plus

Information Unavailable

Pre-Hospitalisation

Special Care

Not specified as a separate benefit

VS

Family Plus

Information Unavailable

Post-Hospitalisation

Special Care

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


VS

Family Plus

Information Unavailable

Outpatient Department Cover (OPD Expense)

Special Care

Specified outpatient therapies are covered

VS

Family Plus

Information Unavailable

Deductible Option

Special Care

Not specified


VS

Family Plus

Information Unavailable

Coverage Options

Special Care

₹3 Lakh

VS

Family Plus

Information Unavailable

Claim Settlement Ratio

Special Care

Not specified

VS

Family Plus

Information Unavailable

Maternity Cover

Special Care

Not applicable

VS

Family Plus

Information Unavailable

Insurance Plans Comparison

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Talk to experienced advisors at no cost, and make confident decisions

24/7 Claim Assistance

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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

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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

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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)

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