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Insurance Plans Comparison

Star Special Care Gold vs Star Cancer Care Platinum

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
Star

Cancer Care Platinum

Cancer Care Platinum

What Makes It Special:

A health insurance plan built for people who have already been diagnosed with cancer (any stage). It pays hospital bills for both cancer and non-cancer illnesses, needs no pre-policy medical tests, and offers an optional lump-sum payout if cancer comes back, spreads, or a new unrelated cancer develops.

Best For:

  • Buyers who prefer no pre-policy medical tests (past medical records are submitted instead)

  • Families planning for possible recurrence or spread of cancer through a lump-sum payout

  • Patients who want help with costs of advanced treatments like oral chemotherapy, immunotherapy and robotic surgery

  • Cancer survivors who want cover for both cancer and everyday hospital needs

  • People already diagnosed with cancer who find it hard to get regular 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.

Star Cancer Care Platinum

  • Things to Consider: 10% co-payment applies if the insured person's entry age is 61 or above; maternity is not covered.

  • Things to Consider: Several treatments have sub-limits (modern treatments, cataract, rehabilitation, hospice care).

  • Things to Consider: Room is limited to a Single Standard A/C room; post-hospitalisation is capped at 2% of SI per hospitalisation.

  • Things to Consider: Sum Insured is limited to Rs.5L, 7.5L or 10L and cannot be increased later, even on renewal.

  • Things to Consider: Pre-existing diseases, including the cancer itself, have a 30-month waiting period.

  • Reasons to Consider: Includes hospice care (up to 20% of SI), rehabilitation and pain management, health check-up and second medical opinion.

  • Reasons to Consider: Optional Section II pays a lump sum (50% of base SI) on recurrence, metastasis or a second unrelated cancer.

  • Reasons to Consider: No pre-policy medical tests, irrespective of age.

  • Reasons to Consider: Covers hospitalisation for both cancer and non-cancer conditions.

  • Reasons to Consider: Designed specifically for people with a cancer diagnosis, aged 5 months to 65 years.

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
Cancer Care Platinum
Cancer Care Platinum

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Special Care Gold

Up to 1% of Sum Insured per day

VS

Cancer Care Platinum

Single Standard AC Room

Covered up to Sum Insured

ICU Charges

Special Care Gold

Up to 2% of Sum Insured per day

VS

Cancer Care Platinum

Information Unavailable

Advanced Treatments

Special Care Gold

Information Unavailable

VS

Cancer Care Platinum

Covered

Disease-wise sublimits

Special Care Gold

Specified treatment limits apply


VS

Cancer Care Platinum

Information Unavailable

Co-payment

Special Care Gold

20% on all claims; waiver available for additional premium


VS

Cancer Care Platinum

Applicable for Senior Entry Ages

Waiting Period

Special Care Gold

Information Unavailable

VS

Cancer Care Platinum

Initial Waiting Period: 30 Days

Pre-existing Disease Waiting Period: 30 Months

Restoration Benefit

Special Care Gold

Not specified

VS

Cancer Care Platinum

Information Unavailable

Cashless Healthcare Providers

Special Care Gold

Cashless treatment available at network hospitals


VS

Cancer Care Platinum

Available

Cumulative Bonus

Special Care Gold

Not specified

VS

Cancer Care Platinum

Information Unavailable

Daycare Treatment

Special Care Gold

All daycare procedures covered

VS

Cancer Care Platinum

Covered

Consumable Cover

Special Care Gold

Not specified

VS

Cancer Care Platinum

Information Unavailable

AYUSH Treatment

Special Care Gold

Covered up to 100% of Sum Insured

VS

Cancer Care Platinum

Covered

Initial Waiting Period

Special Care Gold

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


VS

Cancer Care Platinum

Information Unavailable

Specific Waiting Period

Special Care Gold

24 Months

VS

Cancer Care Platinum

Information Unavailable

PED Waiting Period

Special Care Gold

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


VS

Cancer Care Platinum

Information Unavailable

Modern Treatment

Special Care Gold

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

VS

Cancer Care Platinum

Information Unavailable

Annual Health Checkup

Special Care Gold

Not specified


VS

Cancer Care Platinum

Information Unavailable

Pre-Hospitalisation

Special Care Gold

Up to 30 Days

VS

Cancer Care Platinum

Information Unavailable

Post-Hospitalisation

Special Care Gold

Up to 60 Days

VS

Cancer Care Platinum

Information Unavailable

Outpatient Department Cover (OPD Expense)

Special Care Gold

Not a standard OPD benefit


VS

Cancer Care Platinum

Information Unavailable

Deductible Option

Special Care Gold

Not specified

VS

Cancer Care Platinum

Information Unavailable

Coverage Options

Special Care Gold

₹4 Lakh and ₹5 Lakh, individual basis


VS

Cancer Care Platinum

Information Unavailable

Claim Settlement Ratio

Special Care Gold

Not specified


VS

Cancer Care Platinum

Information Unavailable

Maternity Cover

Special Care Gold

Not specified as a standard maternity benefit

VS

Cancer Care Platinum

Information Unavailable

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?

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Free Expert Consultation

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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

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.

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